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TFS Financial Corporation (TFSL)

Upturn stock ratingUpturn stock rating
$13.19
Last Close (24-hour delay)
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PASS
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  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Upturn Advisory Summary

08/14/2025: TFSL (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$14 Target price
52w Low $11.05
Current$13.19
52w High $14.06

Analysis of Past Performance

Type Stock
Historic Profit -8.39%
Avg. Invested days 43
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

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

ai summary icon Upturn AI SWOT

TFS Financial Corporation

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 919

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.