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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.07
TFSL's Cash to Debt is ranked lower than
95% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 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: 2.11 Max: No Debt
Current: 0.07
Equity to Asset 0.14
TFSL's Equity to Asset is ranked higher than
80% of the 1578 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: 0.1  Med: 0.16 Max: 0.19
Current: 0.14
0.1
0.19
Interest Coverage 0.98
TFSL's Interest Coverage is ranked lower than
65% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. TFSL: 0.98 )
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: 0.98
0.07
0.97
F-Score: 5
WACC vs ROIC
5.30%
2.15%
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 (%) 37.76
TFSL's Operating margin (%) is ranked higher than
67% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. TFSL: 37.76 )
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: 37.76
4.33
37.16
Net-margin (%) 25.01
TFSL's Net-margin (%) is ranked higher than
59% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. TFSL: 25.01 )
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: 25.01
3.35
24.66
ROE (%) 4.18
TFSL's ROE (%) is ranked lower than
78% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. TFSL: 4.18 )
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: 4.18
0.53
4.38
ROA (%) 0.60
TFSL's ROA (%) is ranked lower than
67% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. TFSL: 0.60 )
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: 0.6
0.09
0.6
Revenue Growth (3Y)(%) 2.10
TFSL's Revenue Growth (3Y)(%) is ranked higher than
50% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. TFSL: 2.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TFSL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 1.95 Max: 36.2
Current: 2.1
0
36.2
EBITDA Growth (3Y)(%) 53.00
TFSL's EBITDA Growth (3Y)(%) is ranked higher than
95% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. TFSL: 53.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TFSL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -11.20 Max: 54.7
Current: 53
0
54.7
EPS Growth (3Y)(%) 86.40
TFSL's EPS Growth (3Y)(%) is ranked higher than
97% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 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: 91.6
Current: 86.4
0
91.6
» TFSL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

TFSL Guru Trades in Q4 2014

Jim Simons 4,754,413 sh (+11.30%)
» More
Q1 2015

TFSL Guru Trades in Q1 2015

Jim Simons 4,911,955 sh (+3.31%)
» More
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
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 65.60
TFSL's P/E(ttm) is ranked lower than
95% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. TFSL: 65.60 )
Ranked among companies with meaningful P/E(ttm) only.
TFSL' s P/E(ttm) Range Over the Past 10 Years
Min: 43.18  Med: 91.28 Max: 531.85
Current: 65.6
43.18
531.85
Forward P/E 78.74
TFSL's Forward P/E is ranked lower than
100% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. TFSL: 78.74 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 65.30
TFSL's PE(NRI) is ranked lower than
95% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. TFSL: 65.30 )
Ranked among companies with meaningful PE(NRI) only.
TFSL' s PE(NRI) Range Over the Past 10 Years
Min: 44.04  Med: 94.17 Max: 478.67
Current: 65.3
44.04
478.67
P/B 2.78
TFSL's P/B is ranked lower than
95% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. TFSL: 2.78 )
Ranked among companies with meaningful P/B only.
TFSL' s P/B Range Over the Past 10 Years
Min: 1.4  Med: 1.99 Max: 3.18
Current: 2.78
1.4
3.18
P/S 16.17
TFSL's P/S is ranked lower than
97% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. TFSL: 16.17 )
Ranked among companies with meaningful P/S only.
TFSL' s P/S Range Over the Past 10 Years
Min: 7.03  Med: 12.56 Max: 29.36
Current: 16.17
7.03
29.36
PFCF 49.48
TFSL's PFCF is ranked lower than
95% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. TFSL: 49.48 )
Ranked among companies with meaningful PFCF only.
TFSL' s PFCF Range Over the Past 10 Years
Min: 8.85  Med: 22.38 Max: 222.67
Current: 49.48
8.85
222.67
POCF 46.66
TFSL's POCF is ranked lower than
96% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. TFSL: 46.66 )
Ranked among companies with meaningful POCF only.
TFSL' s POCF Range Over the Past 10 Years
Min: 6.88  Med: 23.85 Max: 167
Current: 46.66
6.88
167
EV-to-EBIT 61.68
TFSL's EV-to-EBIT is ranked lower than
94% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. TFSL: 61.68 )
Ranked among companies with meaningful EV-to-EBIT only.
TFSL' s EV-to-EBIT Range Over the Past 10 Years
Min: -574.9  Med: 60.60 Max: 326.7
Current: 61.68
-574.9
326.7
EV-to-EBITDA 53.19
TFSL's EV-to-EBITDA is ranked lower than
94% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. TFSL: 53.19 )
Ranked among companies with meaningful EV-to-EBITDA only.
TFSL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -3670  Med: 54.40 Max: 326.9
Current: 53.19
-3670
326.9
PEG 1.70
TFSL's PEG is ranked lower than
69% of the 618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. TFSL: 1.70 )
Ranked among companies with meaningful PEG only.
TFSL' s PEG Range Over the Past 10 Years
Min: 0.97  Med: 1.23 Max: 176.36
Current: 1.7
0.97
176.36
Shiller P/E 100.70
TFSL's Shiller P/E is ranked lower than
96% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. TFSL: 100.70 )
Ranked among companies with meaningful Shiller P/E only.
TFSL' s Shiller P/E Range Over the Past 10 Years
Min: 57.91  Med: 81.44 Max: 118.31
Current: 100.7
57.91
118.31

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.08
TFSL's Dividend Yield is ranked lower than
69% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. TFSL: 2.08 )
Ranked among companies with meaningful Dividend Yield only.
TFSL' s Dividend Yield Range Over the Past 10 Years
Min: 0.4  Med: 1.66 Max: 3.05
Current: 2.08
0.4
3.05
Dividend Payout 1.26
TFSL's Dividend Payout is ranked lower than
96% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. TFSL: 1.26 )
Ranked among companies with meaningful Dividend Payout only.
TFSL' s Dividend Payout Range Over the Past 10 Years
Min: 0.32  Med: 1.24 Max: 5.25
Current: 1.26
0.32
5.25
Forward Dividend Yield 2.45
TFSL's Forward Dividend Yield is ranked lower than
66% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. TFSL: 2.45 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.06
TFSL's Yield on cost (5-Year) is ranked lower than
71% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. TFSL: 2.06 )
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: 1.66 Max: 3.05
Current: 2.06
0.4
3.05
3-Year Average Share Buyback Ratio 1.10
TFSL's 3-Year Average Share Buyback Ratio is ranked higher than
88% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. TFSL: 1.10 )
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: -9.9  Med: -0.15 Max: 0
Current: 1.1
-9.9
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.78
TFSL's Price/Tangible Book is ranked lower than
95% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. TFSL: 2.78 )
Ranked among companies with meaningful Price/Tangible Book only.
TFSL' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.42  Med: 2.10 Max: 2.9
Current: 2.78
1.42
2.9
Price/Projected FCF 1.86
TFSL's Price/Projected FCF is ranked lower than
93% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. TFSL: 1.86 )
Ranked among companies with meaningful Price/Projected FCF only.
TFSL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.94  Med: 1.23 Max: 1.96
Current: 1.86
0.94
1.96
Price/Median PS Value 1.34
TFSL's Price/Median PS Value is ranked lower than
86% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. TFSL: 1.34 )
Ranked among companies with meaningful Price/Median PS Value only.
TFSL' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.73  Med: 1.00 Max: 1.66
Current: 1.34
0.73
1.66
Price/Peter Lynch Fair Value 2.61
TFSL's Price/Peter Lynch Fair Value is ranked lower than
96% of the 429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. TFSL: 2.61 )
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: 2.73  Med: 7.55 Max: 17.67
Current: 2.61
2.73
17.67
Price/Graham Number 2.85
TFSL's Price/Graham Number is ranked lower than
97% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. TFSL: 2.85 )
Ranked among companies with meaningful Price/Graham Number only.
TFSL' s Price/Graham Number Range Over the Past 10 Years
Min: 2.39  Med: 3.61 Max: 4.82
Current: 2.85
2.39
4.82
Earnings Yield (Greenblatt) (%) 1.60
TFSL's Earnings Yield (Greenblatt) (%) is ranked lower than
85% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. TFSL: 1.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TFSL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 1.50 Max: 3.9
Current: 1.6
0.3
3.9
Forward Rate of Return (Yacktman) (%) 63.30
TFSL's Forward Rate of Return (Yacktman) (%) is ranked higher than
91% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. TFSL: 63.30 )
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: 20.95 Max: 69.9
Current: 63.3
-20.1
69.9

More Statistics

Revenue(Mil) $295
EPS $ 0.25
Beta0.49
Short Percentage of Float3.23%
52-Week Range $13.94 - 19.42
Shares Outstanding(Mil)289.90

Analyst Estimate

Sep16
Revenue(Mil)
EPS($) 0.22
EPS without NRI($) 0.22

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:PWT.Germany,
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.
» More Articles for 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 

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