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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.07
TFSL's Cash to Debt is ranked lower than
96% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.19 vs. TFSL: 0.07 )
Ranked among companies with meaningful Cash to Debt only.
TFSL' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 1.31 Max: No Debt
Current: 0.07
Equity to Asset 0.14
TFSL's Equity to Asset is ranked higher than
80% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. TFSL: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
TFSL' s Equity to Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.16 Max: 0.2
Current: 0.14
0.11
0.2
Interest Coverage 1.02
TFSL's Interest Coverage is ranked lower than
62% of the 1524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.63 vs. TFSL: 1.02 )
Ranked among companies with meaningful Interest Coverage only.
TFSL' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 0.17 Max: 0.97
Current: 1.02
0.07
0.97
F-Score: 5
M-Score: -2.59
WACC vs ROIC
5.22%
2.16%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 39.51
TFSL's Operating margin (%) is ranked higher than
71% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.01 vs. TFSL: 39.51 )
Ranked among companies with meaningful Operating margin (%) only.
TFSL' s Operating margin (%) Range Over the Past 10 Years
Min: 4.33  Med: 22.84 Max: 37.16
Current: 39.51
4.33
37.16
Net-margin (%) 26.13
TFSL's Net-margin (%) is ranked higher than
62% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.39 vs. TFSL: 26.13 )
Ranked among companies with meaningful Net-margin (%) only.
TFSL' s Net-margin (%) Range Over the Past 10 Years
Min: 3.35  Med: 14.66 Max: 24.66
Current: 26.13
3.35
24.66
ROE (%) 4.42
TFSL's ROE (%) is ranked lower than
78% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. TFSL: 4.42 )
Ranked among companies with meaningful ROE (%) only.
TFSL' s ROE (%) Range Over the Past 10 Years
Min: 0.53  Med: 2.28 Max: 4.38
Current: 4.42
0.53
4.38
ROA (%) 0.63
TFSL's ROA (%) is ranked lower than
66% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. TFSL: 0.63 )
Ranked among companies with meaningful ROA (%) only.
TFSL' s ROA (%) Range Over the Past 10 Years
Min: 0.09  Med: 0.38 Max: 0.6
Current: 0.63
0.09
0.6
Revenue Growth (3Y)(%) 2.00
TFSL's Revenue Growth (3Y)(%) is ranked lower than
54% of the 1338 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. TFSL: 2.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TFSL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 1.90 Max: 36.1
Current: 2
0
36.1
EBITDA Growth (3Y)(%) 53.10
TFSL's EBITDA Growth (3Y)(%) is ranked higher than
94% of the 1230 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. TFSL: 53.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TFSL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -11.00 Max: 53.1
Current: 53.1
0
53.1
EPS Growth (3Y)(%) 86.40
TFSL's EPS Growth (3Y)(%) is ranked higher than
97% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. TFSL: 86.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TFSL' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -16.80 Max: 91.9
Current: 86.4
0
91.9
» TFSL's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

TFSL Guru Trades in Q2 2015

Jim Simons 4,882,122 sh (-0.61%)
» More
Q3 2015

TFSL Guru Trades in Q3 2015

Paul Tudor Jones 31,352 sh (New)
Jim Simons 5,043,022 sh (+3.30%)
» More
Q4 2015

TFSL Guru Trades in Q4 2015

Jim Simons 5,188,900 sh (+2.89%)
Paul Tudor Jones 29,567 sh (-5.69%)
» More
Q1 2016

TFSL Guru Trades in Q1 2016

Jim Simons 5,428,800 sh (+4.62%)
Paul Tudor Jones 26,368 sh (-10.82%)
» More
» Details

Insider Trades

Latest Guru Trades with TFSL

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:SIVB, NAS:ZION, NAS:PACW, NAS:CBSH, NAS:BOKF, NYSE:CFR, NYSE:SNV, NYSE:PB, NAS:OZRK, NAS:FNFG, NYSE:WAL, NAS:UMPQ, NAS:PVTB, NAS:FMER, NYSE:FHN, NYSE:BKU, NAS:SBNY, NYSE:WBS, NYSE:CIT, NAS:FCNCA » details
Traded in other countries:PWT.Germany,
TFS Financial Corp through its subsidiaries, is engaged in retail consumer banking, including mortgage lending, deposits gathering and other financial services.

TFS Financial Corp was organized in 1997 as the mid-tier stock holding Company for Third Federal Savings and Loan Association of Cleveland. The Company completed its initial public stock offering on April 20, 2007. It is a federally chartered stock holding Company, conducts its activities through its wholly owned subsidiaries. The main line of business of the Company is retail consumer banking, including mortgage lending, deposit gathering, and other financial services. The Company's operating subsidiaries include Third Federal Savings and Loan Association of Cleveland (the Association or Third Federal Savings and Loan) and Third Capital, Inc. ("Third Capital"). The Association is a federal savings association, which provides retail loan and savings products to its customers in Ohio and Florida through its 38 full-service branches and 8 loan production offices, customer service call center and internet site. The Association also provides savings products and first mortgage refinance loans and home equity lines of credit in states outside of its branch footprint. The Third Capital was formed to hold non-thrift investments and subsidiaries, which include a limited liability Company the purpose of which is to acquire and manage commercial real estate, a Vermont captive reinsurance company, an entity that pursues merger and acquisition opportunities for the holding companies and investments in private equity investment funds. It also originates residential real estate mortgage loans; equity loans and equity lines of credit; and construction loans for the purchase of developed lots and for the construction of single-family residences, as well as commercial and consumer loans. The Association faces intense competition in its market areas both in making loans and attracting deposits. The Association invests in debt securities issued by the United States Government and agencies of the United States Government, which include Fannie Mae and Freddie Mac.

Ratios

vs
industry
vs
history
P/E(ttm) 66.84
TFSL's P/E(ttm) is ranked lower than
96% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.82 vs. TFSL: 66.84 )
Ranked among companies with meaningful P/E(ttm) only.
TFSL' s P/E(ttm) Range Over the Past 10 Years
Min: 43.18  Med: 84.61 Max: 531.85
Current: 66.84
43.18
531.85
PE(NRI) 66.84
TFSL's PE(NRI) is ranked lower than
96% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.82 vs. TFSL: 66.84 )
Ranked among companies with meaningful PE(NRI) only.
TFSL' s PE(NRI) Range Over the Past 10 Years
Min: 44.04  Med: 85.86 Max: 478.67
Current: 66.84
44.04
478.67
Price/Owner Earnings (ttm) 67.09
TFSL's Price/Owner Earnings (ttm) is ranked lower than
96% of the 832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.66 vs. TFSL: 67.09 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
TFSL' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 31.12  Med: 66.97 Max: 167.38
Current: 67.09
31.12
167.38
P/B 3.07
TFSL's P/B is ranked lower than
94% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. TFSL: 3.07 )
Ranked among companies with meaningful P/B only.
TFSL' s P/B Range Over the Past 10 Years
Min: 1.4  Med: 2.01 Max: 3.22
Current: 3.07
1.4
3.22
P/S 17.56
TFSL's P/S is ranked lower than
98% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. TFSL: 17.56 )
Ranked among companies with meaningful P/S only.
TFSL' s P/S Range Over the Past 10 Years
Min: 7.05  Med: 12.88 Max: 29.36
Current: 17.56
7.05
29.36
PFCF 62.04
TFSL's PFCF is ranked lower than
96% of the 855 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.14 vs. TFSL: 62.04 )
Ranked among companies with meaningful PFCF only.
TFSL' s PFCF Range Over the Past 10 Years
Min: 9.19  Med: 26.84 Max: 185.56
Current: 62.04
9.19
185.56
POCF 55.72
TFSL's POCF is ranked lower than
96% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.83 vs. TFSL: 55.72 )
Ranked among companies with meaningful POCF only.
TFSL' s POCF Range Over the Past 10 Years
Min: 9.07  Med: 26.20 Max: 151.82
Current: 55.72
9.07
151.82
EV-to-EBIT 62.41
TFSL's EV-to-EBIT is ranked lower than
94% of the 1508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.21 vs. TFSL: 62.41 )
Ranked among companies with meaningful EV-to-EBIT only.
TFSL' s EV-to-EBIT Range Over the Past 10 Years
Min: -574.9  Med: 60.50 Max: 326.7
Current: 62.41
-574.9
326.7
EV-to-EBITDA 53.91
TFSL's EV-to-EBITDA is ranked lower than
95% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.95 vs. TFSL: 53.91 )
Ranked among companies with meaningful EV-to-EBITDA only.
TFSL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -574.9  Med: 53.60 Max: 326.9
Current: 53.91
-574.9
326.9
PEG 1.76
TFSL's PEG is ranked lower than
65% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. TFSL: 1.76 )
Ranked among companies with meaningful PEG only.
TFSL' s PEG Range Over the Past 10 Years
Min: 1.15  Med: 1.37 Max: 51.57
Current: 1.76
1.15
51.57
Shiller P/E 106.99
TFSL's Shiller P/E is ranked lower than
97% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.08 vs. TFSL: 106.99 )
Ranked among companies with meaningful Shiller P/E only.
TFSL' s Shiller P/E Range Over the Past 10 Years
Min: 49.33  Med: 99.41 Max: 118.31
Current: 106.99
49.33
118.31

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.22
TFSL's Dividend Yield is ranked lower than
65% of the 2228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.96 vs. TFSL: 2.22 )
Ranked among companies with meaningful Dividend Yield only.
TFSL' s Dividend Yield Range Over the Past 10 Years
Min: 0.4  Med: 1.77 Max: 3.05
Current: 2.22
0.4
3.05
Dividend Payout 1.39
TFSL's Dividend Payout is ranked lower than
97% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. TFSL: 1.39 )
Ranked among companies with meaningful Dividend Payout only.
TFSL' s Dividend Payout Range Over the Past 10 Years
Min: 1  Med: 1.41 Max: 7
Current: 1.39
1
7
Forward Dividend Yield 2.22
TFSL's Forward Dividend Yield is ranked lower than
71% of the 2106 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. TFSL: 2.22 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.21
TFSL's Yield on cost (5-Year) is ranked lower than
69% of the 2508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. TFSL: 2.21 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TFSL' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.4  Med: 1.77 Max: 3.05
Current: 2.21
0.4
3.05
3-Year Average Share Buyback Ratio 2.00
TFSL's 3-Year Average Share Buyback Ratio is ranked higher than
91% of the 1041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. TFSL: 2.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
TFSL' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -13.7  Med: 0.35 Max: 0
Current: 2
-13.7
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.09
TFSL's Price/Tangible Book is ranked lower than
93% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. TFSL: 3.09 )
Ranked among companies with meaningful Price/Tangible Book only.
TFSL' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.42  Med: 1.99 Max: 3.2
Current: 3.09
1.42
3.2
Price/Projected FCF 2.01
TFSL's Price/Projected FCF is ranked lower than
94% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.66 vs. TFSL: 2.01 )
Ranked among companies with meaningful Price/Projected FCF only.
TFSL' s Price/Projected FCF Range Over the Past 10 Years
Min: 1.08  Med: 1.34 Max: 2.14
Current: 2.01
1.08
2.14
Price/Median PS Value 1.36
TFSL's Price/Median PS Value is ranked lower than
83% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. TFSL: 1.36 )
Ranked among companies with meaningful Price/Median PS Value only.
TFSL' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.62  Med: 0.98 Max: 2.13
Current: 1.36
0.62
2.13
Price/Peter Lynch Fair Value 2.67
TFSL's Price/Peter Lynch Fair Value is ranked lower than
96% of the 406 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. TFSL: 2.67 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
TFSL' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 2.49  Med: 2.79 Max: 20.02
Current: 2.67
2.49
20.02
Price/Graham Number 3.03
TFSL's Price/Graham Number is ranked lower than
97% of the 1471 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. TFSL: 3.03 )
Ranked among companies with meaningful Price/Graham Number only.
TFSL' s Price/Graham Number Range Over the Past 10 Years
Min: 2  Med: 2.98 Max: 6.81
Current: 3.03
2
6.81
Earnings Yield (Greenblatt) (%) 1.57
TFSL's Earnings Yield (Greenblatt) (%) is ranked lower than
86% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. TFSL: 1.57 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TFSL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 1.60 Max: 3.9
Current: 1.57
0.3
3.9
Forward Rate of Return (Yacktman) (%) 51.80
TFSL's Forward Rate of Return (Yacktman) (%) is ranked higher than
91% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. TFSL: 51.80 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
TFSL' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -20.1  Med: 23.60 Max: 59.1
Current: 51.8
-20.1
59.1

More Statistics

Revenue (TTM) (Mil) $296.2
EPS (TTM) $ 0.27
Beta0.52
Short Percentage of Float1.98%
52-Week Range $15.58 - 19.42
Shares Outstanding (Mil)286.89

Analyst Estimate


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Sep16
Revenue (Mil $)
EPS ($) 0.22
EPS w/o NRI ($) 0.22
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for NAS:TFSL

Headlines

Articles On GuruFocus.com
My 3 Favorites from Higher Capitalized Dividend Stocks Close to New 52-Week Lows Nov 29 2012 
TFS Financial Corp. (TFSL) - $9.50 Jun 08 2012 
Weekly Guru Bargains Highlights: TFSL, THOR, CISG, VRX, DLR Dec 18 2010 
Weekly Guru Bargains Highlights: RF, AMLN, TFSL, THOR, and MI Nov 28 2010 
Weekly Guru Bargains Highlights: QGEN, BXS, ATHR, LYV, TFSL Oct 09 2010 
Weekly Top Insider Buys: Sears Holdings Corp., TFS Financial Corp., Quality Systems Inc., Novell Inc Sep 19 2009 
Weekly CEO Buys Highlight: TFS Financial Corp, Helix Energy Solutions Group Inc, Janus Capital Group Mar 07 2009 
TFS Financial Corp. (TFSL) CEO Marc A Stefanski buys 100,000 Shares Mar 04 2009 

More From Other Websites
Third Federal Named 18th Best Workplace in Fortune Survey Jun 30 2016
Third Federal Celebrates Cleveland’s Championship by Offering Reduced Home Mortgage Rates Jun 22 2016
“Growing a Healthy Community: What It Takes” Featuring Alex Kotlowitz, Journalist and Author Jun 15 2016
Mutual Holding Company for TFS Financial Corporation to Seek Member Approval for Dividend Waivers Jun 13 2016
Third Federal Tops Bauer Financial List Jun 13 2016
Mutual Holding Company for TFS Financial Corporation to Seek Member Approval for Dividend Waivers Jun 13 2016
TFS Financial Corp. breached its 50 day moving average in a Bearish Manner : TFSL-US : June 13, 2016 Jun 13 2016
TFS Financial Corporation Declares Dividend May 26 2016
TFS Financial Corporation Declares Dividend May 26 2016
TFS Financial Loan Volume Reflects Strengthening Housing Market May 26 2016
ETF’s with exposure to TFS Financial Corp. : May 4, 2016 May 04 2016
TFS Financial Corp. :TFSL-US: Earnings Analysis: Q2, 2016 By the Numbers May 03 2016
TFS Financial posts 2Q profit Apr 28 2016
TFS Financial posts 2Q profit Apr 28 2016
TFS Financial Loan Volume Reflects Strengthening Housing Market Apr 28 2016
Q2 2016 TFS Financial Corp Earnings Release - After Market Close Apr 28 2016
Growing a Healthy Community: Collaborating, Connecting and Educating; An Evening of Insight and... Apr 21 2016
Third Federal Expands Product Offerings to Include Home Purchase Mortgages in New Jersey;... Apr 04 2016
TFS Financial Corp. breached its 50 day moving average in a Bullish Manner : TFSL-US : March 14,... Mar 14 2016
TFS Financial Corporation Declares Dividend Feb 25 2016

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