TFS Financial/$TFSL
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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
Primary listing
Employees
919
Headquarters
Website
TFS Financial Metrics
BasicAdvanced
$3.7B
45.75
$0.29
0.76
$1.13
8.52%
Price and volume
Market cap
$3.7B
Beta
0.76
52-week high
$14.35
52-week low
$11.29
Average daily volume
422K
Dividend rate
$1.13
Financial strength
Dividend payout ratio (TTM)
71.44%
Profitability
Net profit margin (TTM)
26.95%
Operating margin (TTM)
38.76%
Effective tax rate (TTM)
21.03%
Revenue per employee (TTM)
$340,000
Management effectiveness
Return on assets (TTM)
0.48%
Return on equity (TTM)
4.37%
Valuation
Price to earnings (TTM)
45.755
Price to revenue (TTM)
11.98
Price to book
1.96
Price to tangible book (TTM)
1.96
Price to free cash flow (TTM)
148.986
Free cash flow yield (TTM)
0.67%
Free cash flow per share (TTM)
0.089
Dividend yield (TTM)
8.52%
Forward dividend yield
8.52%
Growth
Revenue change (TTM)
1.03%
Earnings per share change (TTM)
3.58%
3-year revenue growth (CAGR)
3.50%
3-year earnings per share growth (CAGR)
8.03%
10-year earnings per share growth (CAGR)
2.81%
10-year dividend per share growth (CAGR)
14.97%
Bulls say / Bears say
TFS Financial’s net interest margin expanded by 9 basis points to 1.75% in Q2 and by another 6 basis points to 1.81% in Q3—a nine-quarter high—lifting net interest income. (Business Wire) (Nasdaq)
TFS Financial maintained strong capital ratios with a Tier 1 leverage ratio of 10.92% in Q2 and 10.86% in Q3, and Common Equity Tier 1 well over 17.75%, comfortably above “well-capitalized” regulatory requirements. (Business Wire) (Nasdaq)
TFS Financial’s provision for credit losses increased to $1.5 million in both Q2 and Q3, reversing a previous release and raising the allowance to $102.4 million, which points to rising credit risk. (Business Wire) (Nasdaq)
Non-interest expenses rose by 6.7% to $51.1 million in Q2 and by 4.1% to $53.2 million in Q3 due to higher marketing, appraisal, and staffing costs, putting pressure on operating leverage. (Business Wire) (Nasdaq)
Net income was flat at $21.0 million in Q2 (down from $22.4 million the previous quarter) and rose only slightly to $21.5 million in Q3, showing limited earnings growth despite higher rates. (Business Wire) (Nasdaq)
Data summarised monthly by Lightyear AI. Last updated on 5 Oct 2025.
TFS Financial News
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FAQs
What’s the current market cap for TFS Financial stock?
TFS Financial (TFSL) has a market cap of $3.7B as of October 11, 2025.
What is the P/E ratio for TFS Financial stock?
The price to earnings (P/E) ratio for TFS Financial (TFSL) stock is 45.75 as of October 11, 2025.
Does TFS Financial stock pay dividends?
Yes, the TFS Financial (TFSL) stock pays dividends to shareholders. As of October 11, 2025, the dividend rate is $1.13 and the yield is 8.52%. TFS Financial has a payout ratio of 71.44% on a trailing twelve-month basis.
When is the next TFS Financial dividend payment date?
The next TFS Financial (TFSL) dividend payment date is unconfirmed.
What is the beta indicator for TFS Financial?
TFS Financial (TFSL) has a beta rating of 0.76. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.