Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
TFSL 
TFS Financial Corporation (TFSL)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/15/2025: 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 -10.43% | Avg. Invested days 42 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.63B USD | Price to earnings Ratio 44.55 | 1Y Target Price 14 |
Price to earnings Ratio 44.55 | 1Y Target Price 14 | ||
Volume (30-day avg) 2 | Beta 0.74 | 52 Weeks Range 10.82 - 14.05 | Updated Date 10/17/2025 |
52 Weeks Range 10.82 - 14.05 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 8.92% | Basic EPS (TTM) 0.29 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 44.55 | Forward PE - | Enterprise Value 8061507072 | Price to Sales(TTM) 11.75 |
Enterprise Value 8061507072 | Price to Sales(TTM) 11.75 | ||
Enterprise Value to Revenue 27.79 | Enterprise Value to EBITDA - | Shares Outstanding 280688024 | Shares Floating 50236949 |
Shares Outstanding 280688024 | Shares Floating 50236949 | ||
Percent Insiders 0.46 | Percent Institutions 91.91 |
Upturn AI SWOT
TFS Financial Corporation
Company Overview
History and Background
TFS Financial Corporation is the holding company for Third Federal Savings and Loan Association of Cleveland, a savings association that was founded in 1938. The company primarily focuses on residential mortgage lending and savings deposit gathering. It has grown organically over the years, focusing on customer service and financial stability.
Core Business Areas
- Retail Banking: Third Federal provides a range of retail banking services, including savings accounts, checking accounts, and certificates of deposit.
- Mortgage Lending: The core business is mortgage lending, primarily focusing on single-family residential mortgages. They offer fixed-rate and adjustable-rate mortgages.
- Wealth Management: Offer Wealth Management services to complement the rest of the business
Leadership and Structure
Marc A. Stefanski is the Chairman and CEO. The company has a traditional hierarchical structure, with executive management overseeing various departments like lending, finance, and operations.
Top Products and Market Share
Key Offerings
- Single-Family Mortgages: Third Federal's primary product is single-family residential mortgages. They focus on traditional lending practices. Market share information is difficult to precisely determine due to varying geographic markets. Competitors include national banks like JP Morgan Chase (JPM), Bank of America (BAC), and regional banks like KeyCorp (KEY).
- Savings Accounts and CDs: Third Federal offers various deposit accounts, including savings, checking, and certificates of deposit. Revenue generated is primarily through the spread between lending and deposit rates. Competitors include online banks like Ally Financial (ALLY) and traditional brick-and-mortar banks.
Market Dynamics
Industry Overview
The mortgage lending industry is highly competitive and cyclical, influenced by interest rates, economic conditions, and government regulations. The banking industry is subject to regulation and highly scrutinized.
Positioning
TFS Financial Corporation is a regional player in the mortgage and savings market. Its competitive advantages include a strong brand reputation and a focus on customer service.
Total Addressable Market (TAM)
The TAM for mortgages is trillions of dollars annually in the US. TFS Financial Corporation is positioned as a regional bank so they have a small slice of the pie compared to national companies like JPM or BAC.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Focus on customer service
- Solid capital base
- Experienced management team
- Conservative Lending Practices
Weaknesses
- Geographic concentration (primarily Ohio and Florida)
- Limited product diversification
- Reliance on mortgage lending
- Small market capitalization compared to competitors
Opportunities
- Expansion into new markets
- Diversification of product offerings
- Increased online banking presence
- Strategic acquisitions
- Growing demand for mortgages
Threats
- Rising interest rates
- Increased competition
- Economic downturn
- Regulatory changes
- Mortgage industry competition
Competitors and Market Share
Key Competitors
- JP Morgan Chase (JPM)
- Bank of America (BAC)
- KeyCorp (KEY)
- Fifth Third Bancorp (FITB)
Competitive Landscape
TFS Financial Corporation operates in a highly competitive landscape dominated by larger national banks. Its advantages include a strong regional presence and customer service focus, but it faces challenges from larger competitors with greater resources and broader product offerings.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth unavailable, and would need to use public filings
Future Projections: Future Projections unavailable, and would need to use public filings
Recent Initiatives: Recent Initiatives unavailable, and would need to use public filings
Summary
TFS Financial Corporation is a regional bank with a strong foundation in mortgage lending. Their customer-centric approach is a positive attribute, however, they face significant competition from larger national banks. Diversification of products and expansion into new markets could boost growth. The company needs to watch out for interest rate fluctuations and regulatory changes impacting the mortgage industry.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and based on available industry data. Financial figures may be outdated and require verification from official sources.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.