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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 0.12
TFSL's Cash to Debt is ranked lower than
91% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. TFSL: 0.12 )
Ranked among companies with meaningful Cash to Debt only.
TFSL' s 10-Year Cash to Debt Range
Min: 0.12  Med: 1.12 Max: No Debt
Current: 0.12
Equity to Asset 0.14
TFSL's Equity to Asset is ranked higher than
80% of the 1355 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 10-Year Equity to Asset Range
Min: 0.11  Med: 0.16 Max: 0.2
Current: 0.14
0.11
0.2
Interest Coverage 0.96
TFSL's Interest Coverage is ranked lower than
64% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. TFSL: 0.96 )
Ranked among companies with meaningful Interest Coverage only.
TFSL' s 10-Year Interest Coverage Range
Min: 0.07  Med: 0.13 Max: 9999.99
Current: 0.96
0.07
9999.99
F-Score: 4
WACC vs ROIC
7.11%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 33.50
TFSL's Operating margin (%) is ranked higher than
59% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. TFSL: 33.50 )
Ranked among companies with meaningful Operating margin (%) only.
TFSL' s 10-Year Operating margin (%) Range
Min: -100.35  Med: 6.75 Max: 33.7
Current: 33.5
-100.35
33.7
Net-margin (%) 22.37
TFSL's Net-margin (%) is ranked higher than
52% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. TFSL: 22.37 )
Ranked among companies with meaningful Net-margin (%) only.
TFSL' s 10-Year Net-margin (%) Range
Min: 3.35  Med: 11.38 Max: 63.81
Current: 22.37
3.35
63.81
ROE (%) 3.61
TFSL's ROE (%) is ranked lower than
81% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. TFSL: 3.61 )
Ranked among companies with meaningful ROE (%) only.
TFSL' s 10-Year ROE (%) Range
Min: 0.53  Med: 2.95 Max: 13.25
Current: 3.61
0.53
13.25
ROA (%) 0.55
TFSL's ROA (%) is ranked lower than
69% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. TFSL: 0.55 )
Ranked among companies with meaningful ROA (%) only.
TFSL' s 10-Year ROA (%) Range
Min: 0.09  Med: 0.50 Max: 1.45
Current: 0.55
0.09
1.45
Revenue Growth (3Y)(%) 1.80
TFSL's Revenue Growth (3Y)(%) is ranked lower than
51% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. TFSL: 1.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TFSL' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -50.70 Max: 3.5
Current: 1.8
0
3.5
EBITDA Growth (3Y)(%) 54.70
TFSL's EBITDA Growth (3Y)(%) is ranked higher than
95% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. TFSL: 54.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TFSL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -64.55 Max: 54.7
Current: 54.7
0
54.7
EPS Growth (3Y)(%) 94.30
TFSL's EPS Growth (3Y)(%) is ranked higher than
97% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. TFSL: 94.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TFSL' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -13.75 Max: 94.3
Current: 94.3
0
94.3
» TFSL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

TFSL Guru Trades in Q3 2014

Jim Simons 4,271,650 sh (+7.89%)
» More
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
» 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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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 76.17
TFSL's P/E(ttm) is ranked lower than
97% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. TFSL: 76.17 )
Ranked among companies with meaningful P/E(ttm) only.
TFSL' s 10-Year P/E(ttm) Range
Min: 43.18  Med: 99.04 Max: 531.85
Current: 76.17
43.18
531.85
Forward P/E 78.74
TFSL's Forward P/E is ranked lower than
99% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. TFSL: 78.74 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 77.30
TFSL's PE(NRI) is ranked lower than
97% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. TFSL: 77.30 )
Ranked among companies with meaningful PE(NRI) only.
TFSL' s 10-Year PE(NRI) Range
Min: 44.04  Med: 101.53 Max: 478.67
Current: 77.3
44.04
478.67
P/B 2.85
TFSL's P/B is ranked lower than
96% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. TFSL: 2.85 )
Ranked among companies with meaningful P/B only.
TFSL' s 10-Year P/B Range
Min: 1.4  Med: 1.98 Max: 2.94
Current: 2.85
1.4
2.94
P/S 17.23
TFSL's P/S is ranked lower than
98% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. TFSL: 17.23 )
Ranked among companies with meaningful P/S only.
TFSL' s 10-Year P/S Range
Min: 7.03  Med: 12.25 Max: 29.36
Current: 17.23
7.03
29.36
PFCF 55.03
TFSL's PFCF is ranked lower than
94% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. TFSL: 55.03 )
Ranked among companies with meaningful PFCF only.
TFSL' s 10-Year PFCF Range
Min: 9.22  Med: 21.60 Max: 222.67
Current: 55.03
9.22
222.67
POCF 53.32
TFSL's POCF is ranked lower than
97% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. TFSL: 53.32 )
Ranked among companies with meaningful POCF only.
TFSL' s 10-Year POCF Range
Min: 8.88  Med: 21.24 Max: 167
Current: 53.32
8.88
167
EV-to-EBIT 68.06
TFSL's EV-to-EBIT is ranked lower than
95% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. TFSL: 68.06 )
Ranked among companies with meaningful EV-to-EBIT only.
TFSL' s 10-Year EV-to-EBIT Range
Min: -574.9  Med: 58.20 Max: 330.3
Current: 68.06
-574.9
330.3
PEG 2.80
TFSL's PEG is ranked lower than
81% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. TFSL: 2.80 )
Ranked among companies with meaningful PEG only.
TFSL' s 10-Year PEG Range
Min: 1  Med: 1.23 Max: 13.48
Current: 2.8
1
13.48
Shiller P/E 146.72
TFSL's Shiller P/E is ranked lower than
99% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. TFSL: 146.72 )
Ranked among companies with meaningful Shiller P/E only.
TFSL' s 10-Year Shiller P/E Range
Min: 36.45  Med: 123.10 Max: 152.57
Current: 146.72
36.45
152.57
Days Sales Outstanding 39.98
TFSL's Days Sales Outstanding is ranked lower than
58% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. TFSL: 39.98 )
Ranked among companies with meaningful Days Sales Outstanding only.
TFSL' s 10-Year Days Sales Outstanding Range
Min: 38.7  Med: 46.63 Max: 72.17
Current: 39.98
38.7
72.17

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.64
TFSL's Dividend Yield is ranked lower than
74% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. TFSL: 1.64 )
Ranked among companies with meaningful Dividend Yield only.
TFSL' s 10-Year Dividend Yield Range
Min: 0.4  Med: 1.61 Max: 3.05
Current: 1.64
0.4
3.05
Dividend Payout 1.26
TFSL's Dividend Payout is ranked lower than
97% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. TFSL: 1.26 )
Ranked among companies with meaningful Dividend Payout only.
TFSL' s 10-Year Dividend Payout Range
Min: 1  Med: 1.40 Max: 7
Current: 1.26
1
7
Yield on cost (5-Year) 1.65
TFSL's Yield on cost (5-Year) is ranked lower than
77% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. TFSL: 1.65 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TFSL' s 10-Year Yield on cost (5-Year) Range
Min: 0.4  Med: 1.61 Max: 3.05
Current: 1.65
0.4
3.05

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.85
TFSL's Price/Tangible Book is ranked lower than
96% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. TFSL: 2.85 )
Ranked among companies with meaningful Price/Tangible Book only.
TFSL' s 10-Year Price/Tangible Book Range
Min: 1.42  Med: 1.98 Max: 2.82
Current: 2.85
1.42
2.82
Price/Projected FCF 1.72
TFSL's Price/Projected FCF is ranked lower than
91% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. TFSL: 1.72 )
Ranked among companies with meaningful Price/Projected FCF only.
TFSL' s 10-Year Price/Projected FCF Range
Min: 0.91  Med: 1.24 Max: 1.7
Current: 1.72
0.91
1.7
Price/Median PS Value 1.40
TFSL's Price/Median PS Value is ranked lower than
84% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. TFSL: 1.40 )
Ranked among companies with meaningful Price/Median PS Value only.
TFSL' s 10-Year Price/Median PS Value Range
Min: 0.65  Med: 1.02 Max: 2.25
Current: 1.4
0.65
2.25
Price/Peter Lynch Fair Value 3.09
TFSL's Price/Peter Lynch Fair Value is ranked lower than
98% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. TFSL: 3.09 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
TFSL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 2.49  Med: 2.73 Max: 20.02
Current: 3.09
2.49
20.02
Price/Graham Number 3.12
TFSL's Price/Graham Number is ranked lower than
98% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. TFSL: 3.12 )
Ranked among companies with meaningful Price/Graham Number only.
TFSL' s 10-Year Price/Graham Number Range
Min: 2.31  Med: 3.08 Max: 6.92
Current: 3.12
2.31
6.92
Earnings Yield (Greenblatt) (%) 1.50
TFSL's Earnings Yield (Greenblatt) (%) is ranked lower than
85% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. TFSL: 1.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TFSL' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.3  Med: 1.60 Max: 3.9
Current: 1.5
0.3
3.9
Forward Rate of Return (Yacktman) (%) 67.69
TFSL's Forward Rate of Return (Yacktman) (%) is ranked higher than
94% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. TFSL: 67.69 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
TFSL' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -20.1  Med: 22.40 Max: 68.6
Current: 67.69
-20.1
68.6

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 39 full-service branches and 8 loan production offices. The Association also provides savings products in all 50 states and offers secured lines of credit in 18 states through its internet site. 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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