TFS Financial (TFSL) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

TFS Financial

NasdaqGS•Financial Services•Banks - Regional

$16.90+0.09(0.01%)Market closed

Market Cap

$4.71B

P/E

46.2x

P/S

5.7x

P/B

2.4x

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including 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. TFS Financial Corporation 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.

How this company scores

WeakMetricSide Score: 70/100

Grade capped at D — Interest coverage below 1× (0.3x) — earnings cannot cover interest. Strongest: Profitability (21/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability21/25

Growth20/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality21/25

Strengths

Rising free cash flowStrong marginsRising earningsProfit converts from growth

Grade capped at D

Interest coverage below 1× (0.3x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 46.2x5y range 40.4x – 71.8x

Currently near its 20-quarter median.

P/S · 5.7x5y range 4.5x – 12.0x

Currently near its 20-quarter median.

P/B · 2.4x5y range 1.7x – 3.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Cash Burn

Watch

FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.

Price & Volume

Market Cap $4.71B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $825.95M
Q. Revenue: $210.01M
TTM EBITDA: $166.05M
TTM Op. Income: $129.46M
Q. Op. Income: $38.68M
TTM Net Income: $102.06M
Q. Net Income: $30.54M
EPS: $0.11
Shares Out.: $278.85M

$825.95M in TTM revenue grew 5.9% YoY, reaching $210.01M last quarter. TTM EBITDA of $166.05M and TTM operating income of $129.46M show growth is flowing through to the bottom line. TTM net income of $102.06M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 42.5%
EBITDA Margin: 21.6%
Op. Margin: 18.4%
Net Margin: 14.5%

Op. margin of 18.4% is up 4.6% YoY — cost efficiency is improving. Net margin at 14.5% and gross margin of 42.5% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 46.2x
P/S Ratio: 5.7x
P/B Ratio: 2.4x

At 46.2x P/E, the stock trades above typical market levels — the market expects above-average growth. P/S of 5.7x and P/B of 2.4x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 3 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $18.08B
Cash: $568.93M
Long-Term Debt: N/A
Book Value: $1.96B
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $32.51M
TTM Free Cash Flow: $86.27M
FCF Margin: 10.4%
FCF / Net Income: 0.8

TTM FCF of $86.27M on $32.51M in operating cash flow. The FCF / Net Income ratio of 0.8x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 248% — an improving trend.