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TFSL 
TFS Financial Corporation (TFSL)
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Upturn Advisory Summary
12/02/2025: TFSL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $14
1 Year Target Price $14
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -10.94% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/02/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.92B USD | Price to earnings Ratio 43.69 | 1Y Target Price 14 |
Price to earnings Ratio 43.69 | 1Y Target Price 14 | ||
Volume (30-day avg) 2 | Beta 0.75 | 52 Weeks Range 10.61 - 14.44 | Updated Date 12/2/2025 |
52 Weeks Range 10.61 - 14.44 | Updated Date 12/2/2025 | ||
Dividends yield (FY) 8.00% | Basic EPS (TTM) 0.32 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.52% | Operating Margin (TTM) 42.41% |
Management Effectiveness
Return on Assets (TTM) 0.53% | Return on Equity (TTM) 4.84% |
Valuation
Trailing PE 43.69 | Forward PE - | Enterprise Value 8504833536 | Price to Sales(TTM) 12.3 |
Enterprise Value 8504833536 | Price to Sales(TTM) 12.3 | ||
Enterprise Value to Revenue 27.68 | Enterprise Value to EBITDA - | Shares Outstanding 280513055 | Shares Floating 50188713 |
Shares Outstanding 280513055 | Shares Floating 50188713 | ||
Percent Insiders 0.46 | Percent Institutions 92.55 |
Upturn AI SWOT
TFS Financial Corporation
Company Overview
History and Background
TFS Financial Corporation, formerly known as Third Federal Savings and Loan Association of Cleveland, was founded in 1938. It started as a savings and loan institution and has grown into a diversified financial services provider.
Core Business Areas
- Retail Banking: Provides banking services to individuals, including savings accounts, checking accounts, and certificates of deposit.
- Mortgage Lending: Offers residential mortgage loans for purchase, refinance, and construction.
- Commercial Lending: Provides commercial real estate loans.
Leadership and Structure
The leadership team includes Chairman, President & CEO and other key executives overseeing various departments. The organizational structure is hierarchical, with different departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Residential Mortgage Loans: Offers fixed-rate and adjustable-rate mortgages. The market share data is not publicly available at the product level. Competitors include large national banks like JPMorgan Chase (JPM) and Bank of America (BAC) and other regional banks.
- Savings Accounts: Provides various savings account options. The market share data is not publicly available at the product level. Competitors include all banks offering savings accounts.
Market Dynamics
Industry Overview
The banking industry is characterized by interest rate fluctuations, regulatory changes, and technological advancements. Competition is intense, with traditional banks facing challenges from fintech companies.
Positioning
TFS Financial Corporation is a regional bank focusing on community banking and mortgage lending. Its competitive advantages include a strong local presence and customer relationships.
Total Addressable Market (TAM)
The TAM for mortgage lending and retail banking in the regions TFS Financial Corporation serves is estimated at billions of dollars. TFS Financial Corporation holds a small but significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-focused approach
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic diversification
- Reliance on mortgage lending
- Lower brand recognition compared to national banks
- Limited tech advancement.
Opportunities
- Expanding into new markets within its region
- Increasing digital banking offerings
- Acquiring smaller banks or credit unions
- Diversifying into other financial services
Threats
- Rising interest rates
- Increased competition from larger banks
- Economic downturns affecting mortgage demand
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- KEY
Competitive Landscape
TFS Financial Corporation faces intense competition from larger national banks and regional players. Its smaller size can limit its ability to invest in technology and expand its product offerings.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady but not spectacular, mainly driven by mortgage lending.
Future Projections: Analyst estimates need to be consulted for future growth projections. These are not readily available without real-time data feeds.
Recent Initiatives: Initiatives will vary based on recent press releases and company announcements.
Summary
TFS Financial Corporation is a stable regional bank with a strong local presence. Its reliance on mortgage lending and limited geographic diversification are weaknesses. Expanding digital offerings and diversifying its product base are key opportunities for future growth, while the competition with national banks remains a major threat.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (e.g., 10-K reports)
- Financial news sources
- Market research reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Consult a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About TFS Financial Corporation
Exchange NASDAQ | Headquaters Cleveland, OH, United States | ||
IPO Launch date 2007-04-23 | Chairman, President & CEO Mr. Marc A. Stefanski | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 958 | Website https://www.thirdfederal.com |
Full time employees 958 | Website https://www.thirdfederal.com | ||
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. It also provides residential real estate mortgage loans, residential construction loans, purchase mortgages, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, the company offers escrow and settlement services. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.
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