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    TFS Financial Corporation (TFSL)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $16.33
    +0.15 (+0.93%)

    Market Cap: $4.54B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    82%(32/39)
    Avg Surprise
    +10.37%
    Streak
    2 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.11
    Range$0.11 - $0.11
    2 analysts
    Revenue Consensus
    $90M
    Range$90M - $91M
    2 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.10
    Range$0.09 - $0.10
    2 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.09+5.6%
    60d ago$0.100.0%
    30d ago$0.100.0%
    7d ago$0.100.0%
    Current$0.10
    Revenue Consensus
    $91M
    Range$90M - $93M
    2 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.10---
    Sep 26EST
    		-$0.11---
    Jun 26
    Reported Jul 30
    		$0.11$0.08+37.50%Beat+37.5%
    Mar 26
    Reported Apr 30
    		$0.08$0.08+0.00%Beat+14.3%
    Dec 25
    Reported Jan 29
    		$0.08$0.09-11.11%Miss+0.0%
    Sep 25
    Reported Oct 30
    		$0.09$0.08+12.50%Beat+50.0%
    Jun 25
    Reported Jul 30
    		$0.08$0.08+0.00%Beat+14.3%
    Mar 25
    Reported Apr 30
    		$0.07$0.07+0.00%Beat+0.0%
    Dec 24
    Reported Jan 30
    		$0.08$0.06+33.33%Beat+14.3%
    Sep 24
    Reported Oct 30
    		$0.06$0.06+0.00%Beat-14.3%
    Jun 24
    Reported Jul 30
    		$0.07$0.06+16.67%Beat+16.7%
    Mar 24
    Reported Apr 30
    		$0.07$0.06+16.67%Beat+16.7%
    Dec 23
    Reported Jan 30
    		$0.07$0.06+16.67%Beat-12.5%
    Sep 23
    Reported Oct 26
    		$0.07$0.05+40.00%Beat-22.2%
    Jun 23
    Reported Jul 27
    		$0.06$0.04+50.00%Beat+0.0%
    Mar 23
    Reported Apr 27
    		$0.06$0.07-14.29%Miss+0.0%
    Dec 22
    Reported Jan 26
    		$0.08$0.08+0.00%Beat+33.3%
    Sep 22
    Reported Oct 27
    		$0.09$0.08+12.50%Beat+50.0%
    Jun 22
    Reported Jul 28
    		$0.06$0.06+0.00%Beat+0.0%
    Mar 22
    Reported Apr 28
    		$0.06$0.06+0.00%Beat-25.0%
    Dec 21
    Reported Jan 27
    		$0.06$0.06+0.00%Beat-33.3%
    Sep 21
    Reported Oct 28
    		$0.06$0.06+0.00%Beat+20.0%
    Jun 21
    Reported Jul 29
    		$0.06$0.06+0.00%Beat-40.0%
    Mar 21
    Reported Apr 29
    		$0.08$0.07+14.29%Beat+33.3%
    Dec 20
    Reported Jan 28
    		$0.09$0.07+28.57%Beat+12.5%
    Sep 20
    Reported Oct 29
    		$0.05$0.06-16.67%Miss-37.5%
    Jun 20
    Reported Jul 30
    		$0.10$0.05+100.00%Beat+66.7%
    Mar 20
    Reported Apr 30
    		$0.06$0.05+20.00%Beat-14.3%
    Dec 19
    Reported Jan 30
    		$0.08$0.06+33.33%Beat+14.3%
    Sep 19
    Reported Oct 30
    		$0.08$0.06+33.33%Beat+0.0%
    Jun 19
    Reported Jul 30
    		$0.06$0.07-14.29%Miss-14.3%
    Mar 19
    Reported Apr 30
    		$0.07$0.07+0.00%Beat-12.5%
    Dec 18
    Reported Jan 30
    		$0.07$0.08-12.50%Miss-22.2%
    Sep 18
    Reported Oct 29
    		$0.08$0.08+0.00%Beat+0.0%
    Jun 18
    Reported Jul 30
    		$0.07$0.09-22.22%Miss-12.5%
    Mar 18
    Reported Apr 30
    		$0.08$0.09-11.11%Miss+0.0%
    Dec 17
    Reported Jan 30
    		$0.09$0.08+12.50%Beat+28.6%
    Sep 17
    Reported Oct 30
    		$0.08$0.08+0.00%Beat-
    Jun 17
    Reported Jul 27
    		$0.08$0.07+14.29%Beat-
    Mar 17
    Reported Apr 28
    		$0.08$0.07+14.29%Beat-
    Dec 16
    Reported Jan 30
    		$0.07$0.07+0.00%Beat-

    Dividends

    Dividend Metrics

    Forward Yield7.78%
    Forward Annual Dividend$1.27
    Payout Ratio319.95%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+0.00%
    5Y CAGR+0.18%
    TFSL dividend history and ex-dividend datesRun TFSL in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio45.36EV/EBITDA67.31x
    Price/FCF53.03xFCF Yield1.89%
    Profitability
    Profit Margin29.40%Operating Margin45.40%
    ROE5.31%ROIC1.31%
    Financial Health
    Debt/Equity2.99xInterest Coverage0.27x
    Current Ratio0.01xQuick Ratio0.01x
    Trading Statistics
    Beta0.73Avg Volume758.34K
    52-Week High$19.1352-Week Low$11.83

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$16.34
    SMA 20$16.46
    SMA 50$16.89
    SMA 200$15.44
    EMA 10$16.30
    EMA 20$16.46
    EMA 50$16.72
    EMA 200$15.65

    MACD

    Line: -0.21Signal: -0.21Hist: N/A

    ADX

    ADX: 31.4+DI: 16.8-DI: 25.5

    Aroon & PSAR

    Aroon Up12.0
    Aroon Down80.0
    PSAR$16.72

    Bollinger Bands

    Upper Band$17.01
    Lower Band$15.90
    %B Position673%(Upper)
    Band Width0.39

    RSI (14-Day)

    Neutral
    43.6

    Momentum Oscillators

    Stoch %K31.0
    Stoch %D25.8
    Williams %R-58.8
    ROC (10d)-0.7%
    Momentum-0.11
    CCI (20d)-34.7
    MFI (14d)37.7

    Volatility Measures

    ATR (14d)$0.32(2.0%)
    StdDev (20d)0.28
    Hist Vol18.6%(Low)

    Volume Flow

    VWAP$16.33
    OBV28.8M
    AD Line-976.5M
    CMF (20d)0.024

    Volume Metrics

    Avg Vol (20d)768.0K
    Vol Ratio0.7x
    VWMA (20d)$16.47

    Pivot Points

    R3$16.52
    R2$16.36
    R1$16.27
    Pivot Point$16.11
    S1$16.02
    S2$15.86
    S3$15.77

    Advanced Oscillators

    TSI-21.04
    Ultimate Osc49.9
    KST-40.58

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$202.11M$202.91M$205.82M$207.21M$198.46M$193.02M$193.27M$194.94M$191.15M$189.22M$183.47M$173.84M
    Cost of Revenue$120.73M$117.66M$121.09M$122.73M$117.91M$115.40M$116.94M$120.80M$115.13M$111.11M$107.07M$98.88M
    Gross Profit$81.38M$85.24M$84.73M$84.48M$80.54M$77.62M$76.33M$74.14M$76.02M$78.10M$76.41M$74.96M
    Operating Expenses$50.60M$55.40M$56.23M$52.05M$53.19M$51.09M$47.94M$51.08M$50.79M$52.20M$50.28M$51.48M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$54.10M$33.74M$32.01M$19.13M$31.17M$35.28M$33.45M$33.48M$30.10M$31.51M$30.89M$32.29M
    Operating Income$30.78M$29.84M$28.50M$32.44M$27.36M$26.53M$28.39M$23.05M$25.23M$25.90M$26.13M$23.48M
    Interest Income$202.11M$195.47M$197.77M$199.05M$191.41M$185.95M$186.77M$188.52M$184.91M$183.49M$177.16M$168.74M
    Interest Expense$120.73M$117.66M$122.09M$121.73M$116.41M$113.90M$118.44M$119.80M$115.63M$112.11M$108.07M$98.38M
    Income Before Tax$38.68M$29.84M$28.50M$32.44M$27.36M$26.53M$28.39M$23.05M$25.23M$25.90M$26.13M$23.48M
    Income Tax Expense$8.14M$6.60M$6.22M$6.44M$5.84M$5.51M$5.96M$4.84M$5.28M$5.19M$5.42M$3.93M
    Net Income$30.54M$23.25M$22.27M$26.00M$21.51M$21.02M$22.43M$18.21M$19.95M$20.71M$20.71M$19.55M
    EBITDA$45.43M$35.69M$34.76M$38.68M$33.30M$32.08M$33.70M$28.01M$30.21M$30.42M$30.71M$28.21M
    EBIT$38.68M$29.84M$28.50M$32.44M$27.36M$26.53M$28.39M$23.05M$25.23M$25.90M$26.13M$23.48M
    * Some calculated fields are derived from available data when not provided by source

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    News

    (TFSL) and the Role of Price-Sensitive Allocations

    TFS Financial Corporation (NASDAQ: TFSL) is exhibiting weak near and mid-term sentiment, potentially challenging its long-term positive outlook...

    Stock Traders Daily•10/14/26•Somewhat-Bearish

    TFS Financial Corporation (TFSL) Stock Price, News, Quote & History

    TFS Financial Corporation (TFSL) stock closed at $16.07, down 0.74%, with after-hours trading showing a slight dip to $16.05. The company operates as a regional bank providing consumer banking services...

    Yahoo! Finance Canada•10/10/26•Neutral

    3 Reasons to Sell TFSL and 1 Stock to Buy Instead

    This article recommends selling TFS Financial (TFSL) due to its underperformance compared to the S&P 500, weak net interest income growth, low net interest margin...

    Yahoo Finance•10/9/26•Bearish

    3 Reasons to Sell TFSL and 1 Stock to Buy Instead

    This article from StockStory recommends selling TFS Financial (TFSL) due to its underperformance compared to the S&P 500 and concerning financial metrics. The analysis highlights three key reasons for caution...

    The Globe and Mail•10/9/26•Bearish

    Understanding the Setup: (TFSL) and Scalable Risk

    This article analyzes Tfs Financial Corporation (NASDAQ: TFSL), noting divergent sentiment across time horizons and a mid-channel oscillation pattern. It highlights an exceptional 22.2:1 risk-reward setup targeting...

    Stock Traders Daily•10/4/26•Neutral

    TFSL Valuation and Fair Value

    P/E
    45.4x
    Forward P/E
    76.9x
    EV/EBITDA
    67.3x
    P/FCF
    53.0x
    PEG
    72.6x
    P/B
    2.3x
    See GNG's fair value

    TFSL Profitability: Margins, ROIC and FCF

    Gross margin
    41.1%
    Operating margin
    45.4%
    Net margin
    29.4%
    ROIC
    1.3%
    ROE
    5.3%
    FCF margin
    10.5%
    FCF yield
    1.9%

    TFSL Competitors

    CompanyTicker
    Piper Sandler CompaniesPIPR
    Nelnet IncNNI
    Flagstar Financial, Inc.FLG
    The Baldwin Insurance Group, Inc.BWIN
    Hannon Armstrong Sustainable Infrastructure Capital IncHASI
    Qudian IncQD
    Cipher Mining IncCIFR
    First Financial Bankshares IncFFIN

    Sector: Financial Services

    TFSL Bull Case vs Bear Case

    Bull case

    • TFSL has a 29.4% net profit margin.
    • TFSL grew quarterly revenue 15.2% year over year.

    Bear case

    • TFSL trades at 45.4x trailing earnings.
    • TFSL beat EPS estimates in 37.5% of its last 8 reported quarters.
    • TFSL has a debt-to-equity ratio of 3.0x.

    TFSL Earnings: Beat Rate and Next Report

    Beat rate
    3 of 8 quarters (37.5%)
    Average surprise
    9.0%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.11

    TFSL Dividend

    Forward yield
    7.8%
    Payout ratio
    320.0%
    3Y DPS growth
    0.0%
    5Y DPS growth
    0.2%
    Pay months
    Mar, Jun, Sep, Dec
    TFSL dividend history

    Frequently Asked Questions About TFSL

    What is TFSL's current dividend yield?

    TFS Financial Corporation (TFSL) has a forward dividend yield of 7.78%.

    Does TFSL pay dividends?

    Yes, TFS Financial Corporation pays dividends with a forward dividend yield of 7.78%.

    What is TFSL's P/E ratio?

    TFS Financial Corporation has a price-to-earnings (P/E) ratio of 45.36.

    What is TFSL's market cap?

    TFS Financial Corporation (TFSL) has a market capitalization of $4.54B with a current stock price of $16.33.

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