TFS Financial Corporation

TFS Financial Corporation

TFSL
TFS Financial CorporationUS flagNASDAQ Global Select
15.93
USD
-0.12
- -
4.47BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.98
0.98
1.02
1.05
1.08
1.1
1.04
1.07
1.04
1.05
1.1
1.09
1.15
1.21
Basic EPS, GAAP
0.19
0.22
0.25
0.29
0.32
0.31
0.29
0.3
0.29
0.27
0.27
0.29
0.33
0.33
Free Cash Flow per Basic Share
0.46
0.34
0.33
0.27
0.35
0.3
0.36
0.43
0.3
0.13
0.31
0.31
0.25
0.3
Dividend per Share
- -
0.02
0.07
0.08
0.1
0.14
0.18
0.2
0.2
0.21
0.21
0.21
0.21
0.21
Book Value per Share
1.76
1.98
2.23
2.49
2.75
2.94
3.05
3.15
3.1
3.15
3.21
3.3
3.41
3.46
Tangible Book Value per Share
6.15
6.11
5.93
5.87
6.07
6.35
6.13
6.03
6.23
6.62
6.92
6.67
6.76
6.86
Basic Weighted Avg Shares
302
299
290
282
277
276
275
276
277
277
277
278
279
279
Sales/Revenue/Turnover
297
293
294
295
299
302
286
296
287
291
305
303
321
336
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
21
13
17
19
21
25
23
33
33
27
18
19
23
24
Net Income, GAAP
56
66
73
81
89
85
80
83
81
75
75
80
91
93
Effective Tax Rate (%)
32.06
33.35
33.64
34.17
33.35
29.51
21.5
16.89
19.07
19
19.4
20.66
20.71
21.25
Profit Margin (%)
18.84
22.46
24.66
27.27
29.75
28.24
28.07
28.19
28.23
25.61
24.67
26.25
28.29
27.65
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
821
1,193
2,218
2,768
3,707
3,753
3,936
3,568
3,133
4,823
5,303
4,822
4,901
5,172
Total Equity
1,871
1,839
1,729
1,660
1,690
1,758
1,697
1,672
1,732
1,844
1,927
1,863
1,894
1,922
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
11.09
11.71
11.73
11.96
12.13
10.85
9.71
9.75
9.39
8.62
8.53
8.8
9.73
9.8

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
4,901
4,982
5,172
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
281
281
280
Market Capitalization
3,673
3,730
3,917

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
483
461
441
Accounts Receivable, Net
63
60
60
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
15
17
20
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
0.98%
2.58%
1.68%
Free Cash Flow
6.33%
6.49%
-17.03%
Net Income, GAAP
2.54%
2.05%
14.29%
Sales/Revenue/Turnover
0.94%
1.75%
6.04%
Total Cash Common Dividend
12.54%
1.43%
0.98%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
75
77
76
75
303
2025
75
79
82
85
321
2026
84
85
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.07
0.07
0.07
0.07
0.29
2025
0.08
0.08
0.08
0.09
0.33
2026
0.08
0.08
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.05
0.05
0.05
0.05
0.21
2025
0.05
0.05
0.05
0.05
0.21
2026
0.05
0.05
- -
- -
- -

Company Description

APIChat
CEO
Marc A. Stefanski
Full Time Employees
919
Sector
Financial Services
Industry
Banks - Regional
Address
7007 Broadway Avenue Cleveland OH United States of America 44105
IPO Date
Apr 23, 2007
Business
TFS Financial Corporation (NASDAQ:TFSL) is a federally chartered stock holding company that conducts retail consumer banking services through its wholly owned subsidiary, Third Federal Savings and Loan Association of Cleveland; the Association provides mortgage lending including first mortgage refinance loans in 27 states and the District of Columbia, deposit products such as savings accounts and certificates of deposit available nationwide in all 50 states, and other financial services. Headquartered in Cleveland, Ohio, the company was founded in 1938 as part of the mutual holding company structure, with approximately 81% of its shares owned by Third Federal Savings and Loan Association of Cleveland, MHC, as of September 30, 2024. It operates primarily in the U.S. residential mortgage and consumer banking segments, targeting individual consumers with competitive low-rate loans and high-yield deposits. In recent developments, TFS Financial reported record fiscal year 2025 earnings of $91 million on October 30, 2025, and declared a dividend on November 20, 2025, alongside announcing leadership changes. The company maintains total consolidated assets of $17.1 billion as of September 30, 2024, reflecting stable growth in its core mortgage and deposit operations amid a focus on customer-centric banking. No major acquisitions, funding rounds, or strategic expansions were reported in the last 1-2 years, with operations centered on organic retail banking activities.

Company News

APIChat
  • TFS Financial: The Dividend Looks Better Than The Fundamentals

  • TFS Financial Corporation Declares Dividend

  • Mutual Holding Company for TFS Financial Corporation To Seek Member Approval for Dividend Waivers

  • Compared to Estimates, TFS Financial (TFSL) Q2 Earnings: A Look at Key Metrics

  • TFS Financial (TFSL) Matches Q2 Earnings Estimates

  • TFS Financial Reports Results for Second Quarter Fiscal 2026

  • TFS Financial (NASDAQ:TFSL) Stock Price Passes Above Two Hundred Day Moving Average – Here’s Why

  • Weil Retiring; LaRocca Joins Third Federal

  • Third Federal Partners with Clearstead Advisory Solutions for Access to Wealth Management Services for Customers

  • Third Federal Named a top Financial Services Company by USA TODAY

  • TFS Financial Corporation Declares Dividend

  • Gavin Stefanski Sells 7,000 Shares of TFS Financial (NASDAQ:TFSL) Stock

  • Investment Manager Bets Big on TFSL, Adds 470,000 Shares, According to Recent SEC Filing

  • Free Tax Preparation to Be Offered at Cleveland Central Catholic High School

  • TFS Financial Corporation Announces First Quarter Fiscal Year 2026 Results

  • TFS Financial (NASDAQ:TFSL) Share Price Crosses Above 200 Day Moving Average – Here’s Why

  • TFS Financial Corporation $TFSL Shares Bought by Geode Capital Management LLC

  • TFS Financial Corporation Declares Dividend

  • TFS Financial: Huge Bargain At 7x Earnings With An 8%+ Dividend Yield

  • TFS Financial Reports Record $91 Million in Earnings for Fiscal Year 2025