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TFS Financial Corporation (TFSL)



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Upturn Advisory Summary
08/14/2025: TFSL (1-star) is currently NOT-A-BUY. Pass it for now.
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 -8.39% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.66B USD | Price to earnings Ratio 44.97 | 1Y Target Price 14 |
Price to earnings Ratio 44.97 | 1Y Target Price 14 | ||
Volume (30-day avg) 2 | Beta 0.76 | 52 Weeks Range 11.05 - 14.06 | Updated Date 08/15/2025 |
52 Weeks Range 11.05 - 14.06 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 8.57% | Basic EPS (TTM) 0.29 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-28 | When After Market | Estimate 0.07 | Actual 0.08 |
Profitability
Profit Margin 26.95% | Operating Margin (TTM) 38.33% |
Management Effectiveness
Return on Assets (TTM) 0.48% | Return on Equity (TTM) 4.37% |
Valuation
Trailing PE 44.97 | Forward PE - | Enterprise Value 8094955520 | Price to Sales(TTM) 11.86 |
Enterprise Value 8094955520 | Price to Sales(TTM) 11.86 | ||
Enterprise Value to Revenue 27.56 | Enterprise Value to EBITDA - | Shares Outstanding 280688000 | Shares Floating 50200713 |
Shares Outstanding 280688000 | Shares Floating 50200713 | ||
Percent Insiders 0.46 | Percent Institutions 91.87 |
Upturn AI SWOT
TFS Financial Corporation

Company Overview
History and Background
TFS Financial Corporation, the holding company for Third Federal Savings and Loan Association of Cleveland, was founded in 1938. It has grown from a single branch to a regional savings and loan institution focused on residential mortgages.
Core Business Areas
- Retail Banking: Offers traditional retail banking services, including deposit accounts and personal loans.
- Mortgage Lending: Primarily focuses on residential mortgage lending, serving the needs of homebuyers.
- Commercial Real Estate Lending: Offers commercial real estate loans to businesses.
Leadership and Structure
Marc A. Stefanski serves as Chairman and CEO. The company operates with a traditional corporate structure with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Residential Mortgages: The primary product is residential mortgages, including fixed-rate and adjustable-rate mortgages. Market share information is difficult to pinpoint precisely but given the fragmented nature of the mortgage industry, it would be considered a small percentage. Competitors include large national banks like Wells Fargo, JPMorgan Chase, and Bank of America, as well as regional banks and credit unions.
- Deposit Accounts: Offers various deposit accounts such as checking, savings, and money market accounts. Market share is small compared to larger national banks. Competitors include local and national banks such as PNC, Huntington, and Bank of America.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Mortgage rates and housing market trends are key factors.
Positioning
TFS Financial Corporation is a regional savings and loan association primarily focused on residential mortgage lending. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for mortgage origination is in the trillions of dollars annually. TFS Financial Corporation captures a small percentage, focusing on its regional footprint.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Experienced management team
- Focus on residential mortgage lending
- Established presence in local markets
Weaknesses
- Concentration in mortgage lending
- Limited geographic diversification
- Reliance on interest rate spreads
- Smaller scale compared to national banks
Opportunities
- Expansion into new geographic markets
- Diversification of product offerings
- Increased mortgage demand
- Technological advancements in mortgage processing
Threats
- Rising interest rates
- Economic downturns
- Increased competition
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- BAC
- JPM
Competitive Landscape
TFS Financial Corporation faces stiff competition from larger national banks with greater resources. Its advantage lies in its local market expertise and customer service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by mortgage lending volume.
Future Projections: Analyst estimates suggest continued moderate growth, contingent on interest rate stability and housing market conditions.
Recent Initiatives: Recent strategic initiatives focus on improving mortgage processing efficiency and expanding into new markets.
Summary
TFS Financial Corporation is a regional savings and loan primarily focused on mortgage lending. While the company has a strong capital base and experienced management, it faces challenges from larger competitors and interest rate volatility. The company needs to diversify its product offerings and potentially expand its geographic footprint to drive future growth. Overall, TFS Financial is a stable company in a competitive industry but has risks tied to mortgage demand and rate environment.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Relations Materials
- Financial News Outlets
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual risk tolerance and thorough due diligence.
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 919 | Website https://www.thirdfederal.com |
Full time employees 919 | Website https://www.thirdfederal.com |
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company's deposit products include 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. 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.

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