TFSL
TFS Financial CORP
Next earnings Jul 28, 2026 · consensus $0.08 EPS, $88.8M rev
Last earnings +2.2% on 2026-04-30
$17.49
▼ -0.11%$17.49▲ +45.69%
over 1Y
L $11.65EODHDH $17.51
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today-0.1%
1W+5.3%
1M+12.0%
3M+30.7%
YTD+33.9%
1Y+45.7%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 7 analysts
Sell
TFS Financial earns a paltry 4.8% ROE yet trades at 51x — a low-return mortgage thrift priced like a growth stock.
Return on equity 4.8% · FY2025
The read
Weak on both the fundamentals and the price — little to like at the current level.
TFS Financial is a federally chartered savings institution concentrated in residential mortgage lending across its core Ohio and Florida markets. FY2025 net income grew 14.3% to $91.0M and diluted EPS to $0.32, a respectable improvement, but the absolute level of profitability is the problem: return on equity is just 4.8%, far below what a healthy bank should earn and a sign that the equity base is not being deployed efficiently. The risk factors emphasize the heavy real-estate-collateral concentration, leaving the thrift exposed to housing and local-economy downturns and to interest-rate-driven margin pressure inherent in a mortgage-heavy book.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $81.0M | $74.6M | $75.3M | $79.6M | $91.0M |
| Diluted EPS | $0.29 | $0.26 | $0.26 | $0.28 | $0.32 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF69.1
PEG (trailing)3.83
Earnings yield1.9%
FCF yield1.4%
Quality & risk
ROIC (est.)—
Free cash flow$71.0M
Total debt—
Net cash$429M
Capital returns
Buyback yield0.1%
Dividend yield (est.)1.2%
Shareholder yield1.3%
Shares Δ YoY-0.1%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-25open ↗4Period ending 2026-06-152026-06-16open ↗4Period ending 2026-06-112026-06-12open ↗144Filing2026-06-11open ↗4Period ending 2026-06-092026-06-10open ↗4Period ending 2026-06-052026-06-08open ↗4Period ending 2026-06-052026-06-08open ↗4Period ending 2026-06-022026-06-04open ↗144Filing2026-06-02open ↗4Period ending 2026-05-292026-06-01open ↗8-KPeriod ending 2026-05-282026-05-28open ↗4Period ending 2026-05-262026-05-27open ↗
Frequently asked
- Is TFS Financial CORP (TFSL) a buy?
- TFSL currently carries a Sell rating with 3/5 conviction, derived from its latest SEC filings. TFS Financial earns a paltry 4.8% ROE yet trades at 51x — a low-return mortgage thrift priced like a growth stock.
- What is TFSL's fair value?
- A Modified-Graham model based on TFSL's SEC fundamentals estimates a fair value of about $8.62. It is an estimate from reported earnings, not a price target.
- Is TFSL overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, TFSL currently appears overvalued relative to its SEC-grounded earnings power.
- What is TFS Financial CORP's quality score?
- TFSL scores 61.588235294117645/100 (grade C+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001381668, latest 10-Q filed 2026-05-07) · EODHD · analysis by claude-code · as of 6/21/2026, 8:59:08 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.