TFS Financial/$TFSL
1D1W1MYTD1Y5YMAX
Capital at risk
About TFS Financial
TFS Financial Corp is the holding company for the Third Federal Savings and Loan Association of Cleveland. The company's ownership in the savings and loan association is its primary business activity. The association's principal business consists of originating and servicing residential real estate mortgage loans and attracting retail savings deposits. It does so by offering products with competitive rates and yields. The company also operates Third Capital, a wholly owned subsidiary that serves as a holding company or as an investor in vehicles such as private equity funds. Third Capital has interests in lease transactions of commercial buildings, title agencies providing escrow and settlement services, and reinsurance of private mortgage insurance on residential loans.
- Ticker
- $TFSL
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 958
- Headquarters
- Cleveland, United States
- Website
- www.thirdfederal.com
TFS Financial Metrics
BasicAdvanced
$4.8B
47.42
$0.36
0.73
$1.13
6.62%
Price and volume
Market cap
$4.8B
Beta
0.73
52-week high
$19.49
52-week low
$12.54
Average daily volume
808K
Dividend rate
$1.13
Financial strength
Dividend payout ratio (TTM)
58.60%
Profitability
Net profit margin (TTM)
29.39%
Operating margin (TTM)
41.21%
Effective tax rate (TTM)
21.16%
Revenue per employee (TTM)
$360,000
Management effectiveness
Return on assets (TTM)
0.58%
Return on equity (TTM)
5.31%
Valuation
Price to earnings (TTM)
47.417
Price to revenue (TTM)
13.706
Price to book
2.43
Price to tangible book (TTM)
2.43
Price to free cash flow (TTM)
55.166
Free cash flow yield (TTM)
1.81%
Free cash flow per share (TTM)
0.309
Dividend yield (TTM)
6.62%
Forward dividend yield
6.62%
Growth
Revenue change (TTM)
12.51%
Earnings per share change (TTM)
24.12%
3-year revenue growth (CAGR)
3.69%
3-year earnings per share growth (CAGR)
7.86%
10-year earnings per share growth (CAGR)
2.53%
10-year dividend per share growth (CAGR)
10.94%
Bulls say / Bears say
TFS Financial delivered a strong June quarter: net income rose 41.9% year over year to $30.5 million, net interest income increased 8.5% to $81.4 million, and net interest margin expanded to 1.90% from 1.81%. (SEC)
Mortgage production momentum improved materially, with residential mortgage originations and acquisitions reaching $616.4 million in the June quarter versus $251.7 million in the March quarter; nine-month volume was $1.18 billion, up from $760.2 million a year earlier. (SEC)
The balance sheet remains well capitalized and liquid: the company reported a 16.88% Common Equity Tier 1 ratio, 95.6% of retail deposits within FDIC insurance limits, and $1.85 billion of additional borrowing capacity at June 30, 2026. (SEC)
Funding pressure remains a key risk: deposits declined to $9.99 billion from $10.45 billion at September 30, 2025, while borrowed funds rose 19.3% to $5.81 billion and quarterly borrowed-fund interest expense increased 21.7% year over year. (SEC)
The record June-quarter result was helped by a $3.5 million release of credit-loss provisions, which may not recur; nine-month earnings also benefited from a cumulative $4.5 million provision release. (SEC)
TFSL remains structurally exposed to interest-rate and duration risk because its mortgage-heavy assets can reprice more slowly than funding costs; the company specifically warns that older, low-rate mortgages may pressure net interest income and margin in adverse yield-curve conditions. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 9 Sept 2026.
Upcoming events
TFS Financial News
AllArticlesVideos
Funds containing TFS Financial
AllGBPUSDEUR
Fund name | Fund size | $TFSL weighting |
|---|---|---|
L&G Global Quality Dividends£LDGG | £279M | 0.01% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.01% |
iShares MSCI World Small Cap£WLDS | £6.7B | 0.01% |
SPDR MSCI All Country World IM€SPYI | €7.5B | 0.00% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.