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TFS Financial Corporation(TFSL)Earnings, Financials & Key Ratios
TFSL•NASDAQ•Banking & Credit
$15.10
$4.24B mkt cap·47.2× P/E·Price updated May 6, 2026
AboutTFS 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 37 full-service branches and 7 loan production offices located throughout the states of Ohio and Florida. The company 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.Show more
- Net Interest Income$293M+5.1%
- Total Revenue$792M+4.4%
- Net Income$91M+14.3%
- Return on Equity4.84%+15.3%
- Net Interest Margin1.68%+2.9%
- Efficiency Ratio25.79%-4.2%
- ROA0.53%+12.5%
- Equity / Assets10.85%-0.4%
- Book Value per Share6.77+1.5%
- Tangible BV/Share6.70+0.9%
- Debt/Equity2.59
TFSL Key Insights
TFS Financial Corporation (TFSL) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 25.8% efficiency ratio
- ✓11 consecutive years of dividend growth
- ✓Well capitalized: 10.8% equity/assets
- ✓Trading near 52-week high
✗Weaknesses
- ✗High debt to equity ratio of 2.6x
- ✗Weak 3Y average ROE of 4.3%
- ✗Weak NIM of 1.7%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
TFSL Price & Volume
TFS Financial Corporation (TFSL) stock price & volume — 10-year historical chart
Loading chart...
TFSL Growth Metrics
TFS Financial Corporation (TFSL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.86%
5 Years9.26%
3 Years22.28%
TTM-
Profit CAGR
10 Years2.28%
5 Years1.77%
3 Years6.85%
TTM11.68%
EPS CAGR
10 Years2.5%
5 Years1.3%
3 Years7.17%
TTM11.75%
Return on Capital
10 Years1.92%
5 Years1.57%
3 Years1.45%
Last Year1.65%
TFSL Recent Earnings
TFS Financial Corporation (TFSL) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 10/12 qtrs (83%)
Q2 2026Latest
Apr 30, 2026EPS
$0.08
Est $0.08
+0.0%
Revenue
$85M
Est $85M
+0.6%
Q1 2026
Jan 29, 2026EPS
$0.08
Est $0.09
-11.1%
Revenue
$84M
Est $86M
-2.5%
Q4 2025
Oct 30, 2025EPS
$0.09
Est $0.08
+12.5%
Revenue
$85M
Est $84M
+1.3%
Q3 2025
Jul 30, 2025EPS
$0.08
Est $0.08
+0.0%
Revenue
$82M
Est $82M
-0.2%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.08vs $0.08+0.0% | $85Mvs $85M+0.6% |
| Q1 2026 | Jan 29, 2026 | $0.08vs $0.09-11.1% | $84Mvs $86M-2.5% |
| Q4 2025 | Oct 30, 2025 | $0.09vs $0.08+12.5% | $85Mvs $84M+1.3% |
| Q3 2025 | Jul 30, 2025 | $0.08vs $0.08+0.0% | $82Mvs $82M-0.2% |
Based on last 12 quarters of dataView full earnings history →
TFSL Peer Comparison
TFS Financial Corporation (TFSL) competitors in Mortgage originators and servicers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 WAFD | 2.72B | 35.64 | 13.55 | -1.58% | 8.02% | 0.60 | ||
 HOMB | 5.32B | 27.03 | 13.45 | 9.47% | 10.86% | 0.30 | ||
 FMAO | 373.54M | 27.17 | 7.97 | 7.1% | 9.33% | 0.81 | ||
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 PFSI | 4.54B | 86.94 | 9.35 | 173.81% | 12.02% | 5.35 | ||
 RKT | 2.07B | 14.65 | 69.76 | 34.84% | -1.15% | 1.55 | ||
 UWMC | 542.86M | 3.49 | 29.08 | 65.83% | 1.67% | 9.06 | ||
 GHLD | 439.06M | 20.01 | 12.83 | 60.87% | 10.27% | 2.42 |
Compare TFSL vs Peers
TFS Financial Corporation (TFSL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
TFSL Income Statement
TFS Financial Corporation (TFSL) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Sep'17 | Sep'18 | Sep'19 | Sep'20 | Sep'21 | Sep'22 | Sep'23 | Sep'24 | Sep'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 278.9M | 280.94M | 265.42M | 242.27M | 231.63M | 267.4M | 283.57M | 278.46M | 292.69M | 300.05M |
| NII Growth % | 3.14% | 0.73% | -5.52% | -8.72% | -4.39% | 15.44% | 6.05% | -1.8% | 5.11% | 32.49% |
| Net Interest Margin % | 2.04% | 1.99% | 1.83% | 1.65% | 1.65% | 1.69% | 1.68% | 1.63% | 1.68% | 1.71% |
| Interest Income | 409M | 443.05M | 482.09M | 455.3M | 389.35M | 409.33M | 611.92M | 734.07M | 763.18M | 774.18M |
| Interest Expense | 130.1M | 162.1M | 216.67M | 213.03M | 157.72M | 141.94M | 328.35M | 455.62M | 470.49M | 474.14M |
| Loan Loss Provision | -17M | -11M | -10M | 3M | -9M | 1M | -1.5M | -1.5M | 2.5M | 3M |
| Non-Interest Income | 19.85M | 21.54M | 20.46M | 53.25M | 55.3M | 23.8M | 21.43M | 24.7M | 28.78M | 30.32M |
| Non-Interest Income % | 4.63% | 4.64% | 4.07% | 10.47% | 12.44% | 5.5% | 3.38% | 3.26% | 3.63% | 3.77% |
| Total Revenue | 428.84M▲ 0% | 464.58M▲ 8.3% | 502.55M▲ 8.2% | 508.55M▲ 1.2% | 444.65M▼ 12.6% | 433.14M▼ 2.6% | 633.35M▲ 46.2% | 758.78M▲ 19.8% | 791.96M▲ 4.4% | 804.51M▲ 0% |
| Revenue Growth % | 3.74% | 8.33% | 8.17% | 1.19% | -12.57% | -2.59% | 46.22% | 19.8% | 4.37% | 18.62% |
| Non-Interest Expense | 182.4M | 192.31M | 193.67M | 192.27M | 195.84M | 198.15M | 213.13M | 204.35M | 204.26M | 212.55M |
| Efficiency Ratio | 42.53% | 41.39% | 38.54% | 37.81% | 44.04% | 45.75% | 33.65% | 26.93% | 25.79% | 26.42% |
| Operating Income | 133.34M▲ 0% | 121.16M▼ 9.1% | 102.21M▼ 15.6% | 100.25M▼ 1.9% | 100.09M▼ 0.2% | 92.05M▼ 8.0% | 93.37M▲ 1.4% | 100.31M▲ 7.4% | 114.72M▲ 14.4% | 114.82M▲ 0% |
| Operating Margin % | 31.09% | 26.08% | 20.34% | 19.71% | 22.51% | 21.25% | 14.74% | 13.22% | 14.48% | 14.27% |
| Operating Income Growth % | 8.97% | -9.13% | -15.64% | -1.92% | -0.15% | -8.03% | 1.43% | 7.44% | 14.36% | - |
| Pretax Income | 133.34M▲ 0% | 121.16M▼ 9.1% | 102.21M▼ 15.6% | 100.25M▼ 1.9% | 100.09M▼ 0.2% | 92.05M▼ 8.0% | 93.37M▲ 1.4% | 100.31M▲ 7.4% | 114.72M▲ 14.4% | 114.82M▲ 0% |
| Pretax Margin % | 31.09% | 26.08% | 20.34% | 19.71% | 22.51% | 21.25% | 14.74% | 13.22% | 14.48% | 14.27% |
| Income Tax | 44.46M | 35.76M | 21.98M | 16.93M | 19.09M | 17.49M | 18.12M | 20.73M | 23.76M | 24.02M |
| Effective Tax Rate % | 33.35% | 29.51% | 21.5% | 16.89% | 19.07% | 19% | 19.4% | 20.66% | 20.71% | 20.92% |
| Net Income | 88.88M▲ 0% | 85.41M▼ 3.9% | 80.24M▼ 6.1% | 83.32M▲ 3.8% | 81.01M▼ 2.8% | 74.56M▼ 8.0% | 75.25M▲ 0.9% | 79.59M▲ 5.8% | 90.96M▲ 14.3% | 90.81M▲ 0% |
| Net Margin % | 20.72% | 18.38% | 15.97% | 16.38% | 18.22% | 17.22% | 11.88% | 10.49% | 11.49% | 11.29% |
| Net Income Growth % | 10.33% | -3.9% | -6.05% | 3.84% | -2.77% | -7.95% | 0.92% | 5.76% | 14.29% | 11.68% |
| Net Income (Continuing) | 88.88M | 85.41M | 80.24M | 83.32M | 81.01M | 74.56M | 75.25M | 79.59M | 90.96M | 90.81M |
| EPS (Diluted) | 0.32▲ 0% | 0.31▼ 3.1% | 0.28▼ 9.7% | 0.30▲ 7.1% | 0.29▼ 3.3% | 0.26▼ 10.3% | 0.26▲ 0.0% | 0.28▲ 7.7% | 0.32▲ 14.3% | 0.32▲ 0% |
| EPS Growth % | 14.29% | -3.13% | -9.68% | 7.14% | -3.33% | -10.34% | 0% | 7.69% | 14.29% | 11.75% |
| EPS (Basic) | 0.32 | 0.31 | 0.29 | 0.30 | 0.29 | 0.26 | 0.27 | 0.28 | 0.32 | - |
| Diluted Shares Outstanding | 279.27M | 277.3M | 277.37M | 277.8M | 278.58M | 278.69M | 278.58M | 279.14M | 279.76M | 283.3M |
TFSL Balance Sheet
TFS Financial Corporation (TFSL) balance sheet — assets, liabilities & shareholders' equity
| Line item | Sep'17 | Sep'18 | Sep'19 | Sep'20 | Sep'21 | Sep'22 | Sep'23 | Sep'24 | Sep'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 805.7M | 801.74M | 823.01M | 951.47M | 910.11M | 827.47M | 975.07M | 989.97M | 483.48M | 1.96B |
| Cash & Due from Banks | 268.22M | 269.77M | 275.14M | 498.03M | 488.33M | 369.56M | 466.75M | 463.72M | 429.44M | 456.71M |
| Short Term Investments | 537.48M | 531.97M | 547.86M | 453.44M | 421.78M | 457.91M | 508.32M | 526.25M | 54.05M | 4.08M |
| Total Investments | 12.96B | 13.4B | 13.75B | 13.59B | 12.94B | 14.72B | 15.68B | 15.87B | 16.24B | 16.21B |
| Investments Growth % | 5.93% | 3.45% | 2.56% | -1.12% | -4.81% | 13.79% | 6.47% | 1.2% | 2.37% | 8.64% |
| Long-Term Investments | 12.42B | 12.87B | 13.2B | 13.14B | 12.52B | 14.27B | 15.17B | 15.34B | 16.19B | 64.35B |
| Accounts Receivables | 35.48M | 38.7M | 40.82M | 36.63M | 31.11M | 40.26M | 53.91M | 59.4M | 62.55M | 60.3M |
| Goodwill & Intangibles | 8.38M | 8.84M | 8.08M | 7.86M | 8.94M | 7.94M | 7.4M | 7.63M | 18.28M | 8.83M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9.73M | 0 |
| Intangible Assets | 8.38M | 8.84M | 8.08M | 7.86M | 8.94M | 7.94M | 7.4M | 7.63M | 8.55M | 8.83M |
| PP&E (Net) | 60.88M | 63.4M | 61.58M | 41.59M | 37.42M | 34.53M | 34.71M | 33.19M | 40.02M | 40.45M |
| Other Assets | 362.48M | 352.7M | 409.46M | 464.73M | 551.99M | 612.95M | 677.88M | 660.77M | 664.39M | 721.78M |
| Total Current Assets | 841.18M | 840.44M | 863.83M | 988.11M | 941.22M | 867.73M | 1.03B | 1.05B | 546.04M | 521.08M |
| Total Non-Current Assets | 12.85B | 13.3B | 13.68B | 13.65B | 13.12B | 14.92B | 15.89B | 16.04B | 16.91B | 16.98B |
| Total Assets | 13.69B▲ 0% | 14.14B▲ 3.2% | 14.54B▲ 2.9% | 14.64B▲ 0.7% | 14.06B▼ 4.0% | 15.79B▲ 12.3% | 16.92B▲ 7.1% | 17.09B▲ 1.0% | 17.46B▲ 2.1% | 17.5B▲ 0% |
| Asset Growth % | 6.09% | 3.25% | 2.86% | 0.69% | -3.99% | 12.32% | 7.14% | 1.02% | 2.14% | 7.28% |
| Return on Assets (ROA) | 0.67% | 0.61% | 0.56% | 0.57% | 0.56% | 0.5% | 0.46% | 0.47% | 0.53% | 0.52% |
| Accounts Payable | 1.97M | 3.72M | 3.71M | 3.07M | 1.85M | 2.24M | 10.36M | 23.19M | 14.72M | 16.75M |
| Total Debt | 3.71B | 3.75B | 3.94B | 3.57B | 3.13B | 4.82B | 5.3B | 4.82B | 4.9B | 4.98B |
| Net Debt | 3.44B | 3.48B | 3.66B | 3.07B | 2.64B | 4.45B | 4.84B | 4.36B | 4.47B | 4.53B |
| Long-Term Debt | 3.71B | 3.75B | 3.94B | 3.57B | 3.13B | 4.82B | 5.3B | 4.82B | 4.9B | 4.98B |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 100.45M | 103M | 103.33M | 111.54M | 109.63M | 117.25M | 237.35M | 211.48M | 214.88M | 243.55M |
| Total Current Liabilities | 8.2B | 8.52B | 8.81B | 9.29B | 9.08B | 9.01B | 9.45B | 10.2B | 10.45B | 10.37B |
| Total Non-Current Liabilities | 3.81B | 3.86B | 4.04B | 3.68B | 3.24B | 4.94B | 5.54B | 5.03B | 5.12B | 5.23B |
| Total Liabilities | 12B | 12.38B | 12.85B | 12.97B | 12.33B | 13.95B | 14.99B | 15.23B | 15.56B | 15.6B |
| Total Equity | 1.69B▲ 0% | 1.76B▲ 4.1% | 1.7B▼ 3.5% | 1.67B▼ 1.5% | 1.73B▲ 3.6% | 1.84B▲ 6.5% | 1.93B▲ 4.5% | 1.86B▼ 3.4% | 1.89B▲ 1.7% | 1.9B▲ 0% |
| Equity Growth % | 1.78% | 4.05% | -3.51% | -1.47% | 3.61% | 6.47% | 4.5% | -3.36% | 1.68% | -1% |
| Equity / Assets (Capital Ratio) | 12.34% | 12.44% | 11.67% | 11.42% | 12.32% | 11.68% | 11.39% | 10.9% | 10.85% | 10.86% |
| Return on Equity (ROE) | 5.31% | 4.95% | 4.64% | 4.95% | 4.76% | 4.17% | 3.99% | 4.2% | 4.84% | 4.79% |
| Book Value per Share | 6.05 | 6.34 | 6.12 | 6.02 | 6.22 | 6.62 | 6.92 | 6.67 | 6.77 | 6.71 |
| Tangible BV per Share | 6.02 | 6.31 | 6.09 | 5.99 | 6.19 | 6.59 | 6.89 | 6.65 | 6.70 | 6.68 |
| Common Stock | 3.32M | 3.32M | 3.32M | 3.32M | 3.32M | 3.32M | 3.32M | 3.32M | 3.32M | 3.32M |
| Additional Paid-in Capital | 1.72B | 1.73B | 1.73B | 1.74B | 1.75B | 1.75B | 1.76B | 1.75B | 1.76B | 1.76B |
| Retained Earnings | 760.07M | 807.89M | 837.66M | 865.51M | 853.66M | 870.05M | 886.98M | 915.49M | 946.78M | 954.16M |
| Accumulated OCI | -7.49M | 23.22M | -69.38M | -131.97M | -67.8M | 23.15M | 85.21M | -15.61M | -21.23M | -21.23M |
| Treasury Stock | -735.53M | -754.27M | -764.59M | -767.65M | -768.03M | -771.99M | -776.1M | -772.2M | -774.34M | -774.31M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
TFSL Cash Flow Statement
TFS Financial Corporation (TFSL) cash flow — operating, investing & free cash flow history
| Line item | Sep'17 | Sep'18 | Sep'19 | Sep'20 | Sep'21 | Sep'22 | Sep'23 | Sep'24 | Sep'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 101.17M | 92.11M | 103M | 121.8M | 83.16M | 38.93M | 90.72M | 88.6M | 82.42M | 82.42M |
| Operating CF Growth % | 19.14% | -8.95% | 11.82% | 18.25% | -31.73% | -53.19% | 133.04% | -2.34% | -6.98% | 87.08% |
| Net Income | 88.88M | 85.41M | 80.24M | 83.32M | 81.01M | 74.56M | 75.25M | 79.59M | 90.96M | 90.81M |
| Depreciation & Amortization | 20.89M | 25.19M | 22.95M | 32.82M | 32.57M | 27.04M | 18.11M | 19.03M | 23.05M | 24M |
| Deferred Taxes | 3.55M | 3.95M | 21.94M | 21.8M | -14.25M | -26.88M | 3.73M | 2.7M | 1.35M | 1.36M |
| Other Non-Cash Items | -20.72M | -19.77M | -20.42M | -35.21M | -52.48M | -32.61M | -13.51M | -31.09M | -30.4M | -25.56M |
| Working Capital Changes | -2.68M | -14.01M | -13.48M | 6.95M | 22.6M | -14.2M | -2.87M | 8.86M | -12.19M | -4.93M |
| Cash from Investing | -754.81M | -474.86M | -341.98M | 147.58M | 547.36M | -1.88B | -1.01B | -124.71M | -383.98M | -367.29M |
| Purchase of Investments | -183.52M | -151.6M | -158.01M | -171.46M | -297.47M | -250.02M | -144.66M | -133.53M | -160.34M | -92.27M |
| Sale/Maturity of Investments | 153.31M | 139.85M | 152.56M | 268.56M | 317.07M | 163.57M | 83.57M | 141.72M | 170.34M | 159.33M |
| Net Investment Activity | -30.2M | -11.75M | -5.45M | 97.1M | 19.6M | -86.45M | -61.1M | 8.19M | 10M | 67.06M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -720.46M | -454.73M | -332.75M | 53.68M | 529.09M | -1.79B | -942.43M | -129.84M | -382.53M | -421.87M |
| Cash from Financing | 690.62M | 384.3M | 244.35M | -46.48M | -640.22M | 1.72B | 1.02B | 33.08M | 267.28M | 262.44M |
| Dividends Paid | -27.71M | -37.63M | -50.47M | -55.47M | -56.64M | -58.3M | -58.29M | -58.95M | -59.53M | -59.75M |
| Share Repurchases | -54.03M | -19.74M | -9.09M | -2.32M | -5.59M | -6.29M | -5.98M | -1.93M | -3.98M | -5.43M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -54.03M | -19.74M | -9.09M | -2.32M | -5.59M | -6.29M | -5.98M | -1.93M | -3.98M | -5.43M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | 1000K | 0 |
| Other Financing | -180.22M | 391.35M | 122.62M | 392.54M | -148.3M | 1.2B | 390.34M | 574.34M | 248.22M | 49.6M |
| Net Change in Cash | 36.98M▲ 0% | 1.56M▼ 95.8% | 5.37M▲ 244.8% | 222.89M▲ 4052.2% | -9.71M▼ 104.4% | -118.76M▼ 1123.5% | 97.18M▲ 181.8% | -3.03M▼ 103.1% | -34.28M▼ 1032.1% | -9.22M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 231.24M | 268.22M | 269.77M | 275.14M | 498.03M | 488.33M | 369.56M | 466.75M | 463.72M | 429.44M |
| Cash at End | 268.22M | 269.77M | 275.14M | 498.03M | 488.33M | 369.56M | 466.75M | 463.72M | 429.44M | 456.71M |
| Interest Paid | 123.59M | 161.56M | 225.11M | 213M | 114.58M | 113.68M | 363.75M | 532.61M | 529.08M | 520.27M |
| Income Taxes Paid | 38.21M | 32.52M | 9.69M | 1.67M | 25.77M | 39.6M | 21.78M | 15.68M | 16.48M | 87K |
| Free Cash Flow | 97.02M▲ 0% | 83.74M▼ 13.7% | 99.22M▲ 18.5% | 118.59M▲ 19.5% | 81.82M▼ 31.0% | 36.23M▼ 55.7% | 85.62M▲ 136.3% | 85.54M▼ 0.1% | 70.97M▼ 17.0% | 83.14M▲ 0% |
| FCF Growth % | 28.01% | -13.68% | 18.49% | 19.52% | -31.01% | -55.72% | 136.33% | -0.1% | -17.03% | -12.31% |
TFSL Banking Ratios
TFS Financial Corporation (TFSL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 5.31% | 4.95% | 4.64% | 4.95% | 4.76% | 4.17% | 3.99% | 4.2% | 4.84% | 4.79% |
| Return on Assets (ROA) | 0.67% | 0.61% | 0.56% | 0.57% | 0.56% | 0.5% | 0.46% | 0.47% | 0.53% | 0.52% |
| Net Interest Margin | 2.04% | 1.99% | 1.83% | 1.65% | 1.65% | 1.69% | 1.68% | 1.63% | 1.68% | 1.71% |
| Efficiency Ratio | 42.53% | 41.39% | 38.54% | 37.81% | 44.04% | 45.75% | 33.65% | 26.93% | 25.79% | 26.42% |
| Equity / Assets | 12.34% | 12.44% | 11.67% | 11.42% | 12.32% | 11.68% | 11.39% | 10.9% | 10.85% | 10.86% |
| Book Value / Share | 6.05 | 6.34 | 6.12 | 6.02 | 6.22 | 6.62 | 6.92 | 6.67 | 6.77 | 6.71 |
| NII Growth | 3.14% | 0.73% | -5.52% | -8.72% | -4.39% | 15.44% | 6.05% | -1.8% | 5.11% | 8.05% |
| Dividend Payout | 31.18% | 44.06% | 62.89% | 66.57% | 69.92% | 78.18% | 77.47% | 74.07% | 65.45% | 65.8% |
TFSL SEC Filings & Documents
TFS Financial Corporation (TFSL) SEC filings — annual & quarterly reports (10-K, 10-Q)
TFSL Frequently Asked Questions
TFS Financial Corporation (TFSL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
TFS Financial Corporation (TFSL) grew revenue by 4.4% over the past year. Growth has been modest.
Yes, TFS Financial Corporation (TFSL) is profitable, generating $90.8M in net income for fiscal year 2025 (11.5% net margin).
Dividend & Returns
Yes, TFS Financial Corporation (TFSL) pays a dividend with a yield of 1.41%. This makes it attractive for income-focused investors.
TFS Financial Corporation (TFSL) has a return on equity (ROE) of 4.8%. This is below average, suggesting room for improvement.
Industry Metrics
TFS Financial Corporation (TFSL) has a net interest margin (NIM) of 1.7%. NIM has been under pressure due to interest rate environment.
TFS Financial Corporation (TFSL) has an efficiency ratio of 25.8%. This is excellent, indicating strong cost control.
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