TFS Financial (TFSL) Stock Price, News & Analysis

Company Overview

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. Its deposit products include savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. The company also provides residential real estate mortgage loans, residential construction loans, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, it offers escrow and settlement services. The company provides its products and services through its main office in Cleveland, Ohio; and multiple full-service branches and loan production offices located throughout the states of Ohio and Florida. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation is a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

Key Stats

• Today's Range: $12.53 to $12.80
• 50-Day Range: $12.58 to $14.53
• 52-Week Range: $11.70 to $15.25
• Volume: 592,219 shs
• Average Volume: 272,348 shs
• Market Capitalization: $3.58 billion
• P/E Ratio: 47.19
• Dividend Yield: 8.87%
• Price Target: $14.50
• Consensus Rating: Hold

TFS Financial Stock Analysis - MarketRank™

TFS Financial scored higher than 76% of companies evaluated by MarketBeat, and ranked 290th out of 937 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.0 / 5
• Analyst Rating: Hold

Consensus Rating

TFS Financial has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

TFS Financial has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 19.23%

Earnings Growth

Earnings for TFS Financial are expected to grow by 19.23% in the coming year, from $0.26 to $0.31 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of TFS Financial is 47.19, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 116.80.

Price to Earnings Ratio vs. Sector

The P/E ratio of TFS Financial is 47.19, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 34.17.

Price to Book Value per Share Ratio

TFS Financial has a P/B Ratio of 1.92. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

5.24% of the float of TFS Financial has been sold short.

Short Interest Ratio / Days to Cover

TFS Financial has a short interest ratio ("days to cover") of 10, which indicates bearish sentiment.

Change versus previous month

Short interest in TFS Financial has recently decreased by 3.20%, indicating that investor sentiment is improving.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Leadership

TFS Financial is a leading dividend payer. It pays a dividend yield of 8.56%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

TFS Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of TFS Financial is 418.52%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on EPS estimates, TFS Financial will have a dividend payout ratio of 364.52% in the coming year. This indicates that TFS Financial may not be able to sustain their current dividend.

Sustainability and ESG

• Score: 3.6 / 5
• Environmental Score: -0.86

Percentage of Shares Shorted

5.24% of the float of TFS Financial has been sold short.

Short Interest Ratio / Days to Cover

TFS Financial has a short interest ratio ("days to cover") of 10, which indicates bearish sentiment.

Change versus previous month

Short interest in TFS Financial has recently decreased by 3.20%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: N/A

News Sentiment

TFS Financial has a news sentiment score of 0.56. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.79 average news sentiment score of Finance companies.

Search Interest

Only 10 people have searched for TFSL on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

MarketBeat Follows

3 people have added TFS Financial to their MarketBeat watchlist in the last 30 days. This is an increase of 50% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, TFS Financial insiders have sold 420.38% more of their company's stock than they have bought. Specifically, they have bought $4,122.00 in company stock and sold $21,450.00 in company stock.

Percentage Held by Insiders

Only 1.13% of the stock of TFS Financial is held by insiders.

Percentage Held by Institutions

Only 9.81% of the stock of TFS Financial is held by institutions.

TFSL Stock Analysis - Frequently Asked Questions

How have TFSL shares performed this year?

TFS Financial's stock was trading at $14.69 at the beginning of the year. Since then, TFSL stock has decreased by 13.3% and is now trading at $12.74.
View the best growth stocks for 2024 here.

How were TFS Financial's earnings last quarter?

TFS Financial Co. (NASDAQ:TFSL) posted its quarterly earnings results on Wednesday, October, 30th. The bank reported $0.06 earnings per share for the quarter, hitting the consensus estimate of $0.06. The bank earned $194.94 million during the quarter. TFS Financial had a net margin of 10.49% and a trailing twelve-month return on equity of 4.22%.

Who are TFS Financial's major shareholders?

TFS Financial's top institutional investors include State Street Corp (0.44%), Geode Capital Management LLC (0.39%), Charles Schwab Investment Management Inc. (0.11%) and UBS AM a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC (0.06%). Insiders that own company stock include Meredith S Weil, Anthony J Asher, Bradley T Stefanski, Gavin B Stefanski, Marc A Stefanski, Ashley H Williams, Martin J Cohen, Daniel F Weir, Russell C Holmes, Barbara J Anderson, Ben S Stefanski III and Timothy W Mulhern.
View institutional ownership trends.

How do I buy shares of TFS Financial?

Shares of TFSL stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of TFS Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that TFS Financial investors own include American Water Works (AWK), AUO (AUOTY), Waste Connections (WCN), The RMR Group (RMR), DiamondRock Hospitality (DRH), Humana (HUM) and iShares Micro-Cap ETF (IWC).

Company Calendar

• Ex-Dividend for 9/24 Dividend: 9/10/2024
• Dividend Payable: 9/24/2024
• Last Earnings: 10/30/2024
• Ex-Dividend for 12/17 Dividend: 12/03/2024
• Dividend Payable: 12/17/2024
• Today: 12/21/2024
• Fiscal Year End: 9/30/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Federal savings institutions
• Sub-Industry: Thrifts & Mortgage Finance
• Current Symbol: NASDAQ:TFSL
• CUSIP: 87240R10
• CIK: 1381668
• Web: www.thirdfederal.com
• Phone: (216) 441-6000
• Fax: 216-441-7050
• Employees: 1,000
• Year Founded: 1938

Price Target and Rating

• Average Stock Price Target: $14.50
• High Stock Price Target: $15.00
• Low Stock Price Target: $14.00
• Potential Upside/Downside: +13.8%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $0.27
• Trailing P/E Ratio: 47.19
• Forward P/E Ratio: 49.00
• P/E Growth: N/A
• Net Income: $79.59 million
• Net Margins: 10.49%
• Pretax Margin: 13.22%
• Return on Equity: 4.22%
• Return on Assets: 0.47%

Debt

• Debt-to-Equity Ratio: 2.57
• Current Ratio: 1.54
• Quick Ratio: 1.54

Sales & Book Value

• Annual Sales: $303.16 million
• Price / Sales: 11.80
• Cash Flow: $0.34 per share
• Price / Cash Flow: 37.80
• Book Value: $6.64 per share
• Price / Book: 1.92

Miscellaneous

• Outstanding Shares: 280,711,000
• Free Float: 277,539,000
• Market Cap: $3.58 billion
• Optionable: Optionable
• Beta: 0.69