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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.11
TFSL's Cash-to-Debt is ranked lower than
94% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. TFSL: 0.11 )
Ranked among companies with meaningful Cash-to-Debt only.
TFSL' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 1.05 Max: No Debt
Current: 0.11
Equity-to-Asset 0.13
TFSL's Equity-to-Asset is ranked higher than
74% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. TFSL: 0.13 )
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: 0.13
0.11
0.2
Interest Coverage 1.04
TFSL's Interest Coverage is ranked lower than
63% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. TFSL: 1.04 )
Ranked among companies with meaningful Interest Coverage only.
TFSL' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 0.19 Max: 1.04
Current: 1.04
0.07
1.04
Piotroski F-Score: 5
Beneish M-Score: -2.58
WACC vs ROIC
4.70%
2.06%
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 % 41.86
TFSL's Operating Margin % is ranked higher than
74% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. TFSL: 41.86 )
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: 41.86
Current: 41.86
4.33
41.86
Net Margin % 27.88
TFSL's Net Margin % is ranked higher than
66% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. TFSL: 27.88 )
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: 27.88
Current: 27.88
3.35
27.88
ROE % 4.87
TFSL's ROE % is ranked lower than
75% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. TFSL: 4.87 )
Ranked among companies with meaningful ROE % only.
TFSL' s ROE % Range Over the Past 10 Years
Min: 0.53  Med: 2.28 Max: 4.87
Current: 4.87
0.53
4.87
ROA % 0.65
TFSL's ROA % is ranked lower than
66% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. TFSL: 0.65 )
Ranked among companies with meaningful ROA % only.
TFSL' s ROA % Range Over the Past 10 Years
Min: 0.09  Med: 0.38 Max: 0.65
Current: 0.65
0.09
0.65
3-Year Revenue Growth Rate 2.00
TFSL's 3-Year Revenue Growth Rate is ranked lower than
62% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. TFSL: 2.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
TFSL' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2 Max: 36.1
Current: 2
0
36.1
3-Year EBITDA Growth Rate 13.40
TFSL's 3-Year EBITDA Growth Rate is ranked higher than
71% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. TFSL: 13.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
TFSL' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -6.3 Max: 53.1
Current: 13.4
0
53.1
3-Year EPS without NRI Growth Rate 15.90
TFSL's 3-Year EPS without NRI Growth Rate is ranked higher than
72% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. TFSL: 15.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
TFSL' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -8.2 Max: 94.3
Current: 15.9
0
94.3
GuruFocus has detected 2 Warning Signs with TFS Financial Corp $TFSL.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» TFSL's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q2 2016

TFSL Guru Trades in Q2 2016

Jim Simons 5,490,622 sh (+1.14%)
Paul Tudor Jones 20,923 sh (-20.65%)
» More
Q3 2016

TFSL Guru Trades in Q3 2016

Jim Simons 5,669,322 sh (+3.25%)
Paul Tudor Jones 14,624 sh (-30.11%)
» More
Q4 2016

TFSL Guru Trades in Q4 2016

Paul Tudor Jones 41,149 sh (+181.38%)
Jim Simons 5,982,022 sh (+5.52%)
» 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    NAICS: 522120    SIC: 6035
Compare:NYSE:WBS, NAS:BPOP, NYSE:FHN, NYSE:SNV, NYSE:PB, NAS:PVTB, NAS:FHB, NAS:BOKF, NYSE:WAL, NAS:TCBI, NAS:UMPQ, NYSE:BKU, NYSE:ASB, NAS:UMBF, NAS:HBHC, NAS:HOMB, NAS:WTFC, NAS:CBSH, NYSE:CFR, NAS:IBKC » 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
PE Ratio 59.47
TFSL's PE Ratio is ranked lower than
96% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. TFSL: 59.47 )
Ranked among companies with meaningful PE Ratio only.
TFSL' s PE Ratio Range Over the Past 10 Years
Min: 58.11  Med: 85.33 Max: 478.67
Current: 59.47
58.11
478.67
PE Ratio without NRI 59.47
TFSL's PE Ratio without NRI is ranked lower than
96% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. TFSL: 59.47 )
Ranked among companies with meaningful PE Ratio without NRI only.
TFSL' s PE Ratio without NRI Range Over the Past 10 Years
Min: 58.11  Med: 85.33 Max: 478.67
Current: 59.47
58.11
478.67
Price-to-Owner-Earnings 49.56
TFSL's Price-to-Owner-Earnings is ranked lower than
94% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. TFSL: 49.56 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
TFSL' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 31.12  Med: 65.65 Max: 170
Current: 49.56
31.12
170
PB Ratio 2.96
TFSL's PB Ratio is ranked lower than
94% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. TFSL: 2.96 )
Ranked among companies with meaningful PB Ratio only.
TFSL' s PB Ratio Range Over the Past 10 Years
Min: 1.4  Med: 2.04 Max: 3.38
Current: 2.96
1.4
3.38
PS Ratio 16.50
TFSL's PS Ratio is ranked lower than
98% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. TFSL: 16.50 )
Ranked among companies with meaningful PS Ratio only.
TFSL' s PS Ratio Range Over the Past 10 Years
Min: 7.05  Med: 13.22 Max: 29.71
Current: 16.5
7.05
29.71
Price-to-Free-Cash-Flow 45.66
TFSL's Price-to-Free-Cash-Flow is ranked lower than
91% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. TFSL: 45.66 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
TFSL' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 7.32  Med: 27.37 Max: 185.56
Current: 45.66
7.32
185.56
Price-to-Operating-Cash-Flow 42.79
TFSL's Price-to-Operating-Cash-Flow is ranked lower than
92% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. TFSL: 42.79 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
TFSL' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 7.25  Med: 26.94 Max: 151.82
Current: 42.79
7.25
151.82
EV-to-EBIT 61.58
TFSL's EV-to-EBIT is ranked lower than
95% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. TFSL: 61.58 )
Ranked among companies with meaningful EV-to-EBIT only.
TFSL' s EV-to-EBIT Range Over the Past 10 Years
Min: -586.2  Med: 61.1 Max: 326.7
Current: 61.58
-586.2
326.7
EV-to-EBITDA 52.68
TFSL's EV-to-EBITDA is ranked lower than
95% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. TFSL: 52.68 )
Ranked among companies with meaningful EV-to-EBITDA only.
TFSL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1562.8  Med: 53.5 Max: 326.9
Current: 52.68
-1562.8
326.9
PEG Ratio 1.51
TFSL's PEG Ratio is ranked lower than
51% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. TFSL: 1.51 )
Ranked among companies with meaningful PEG Ratio only.
TFSL' s PEG Ratio Range Over the Past 10 Years
Min: 1.15  Med: 1.56 Max: 52.61
Current: 1.51
1.15
52.61
Shiller PE Ratio 115.22
TFSL's Shiller PE Ratio is ranked lower than
97% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. TFSL: 115.22 )
Ranked among companies with meaningful Shiller PE Ratio only.
TFSL' s Shiller PE Ratio Range Over the Past 10 Years
Min: 53.28  Med: 116.28 Max: 135.21
Current: 115.22
53.28
135.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.59
TFSL's Dividend Yield % is ranked lower than
52% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. TFSL: 2.59 )
Ranked among companies with meaningful Dividend Yield % only.
TFSL' s Dividend Yield % Range Over the Past 10 Years
Min: 0.4  Med: 1.83 Max: 3.05
Current: 2.59
0.4
3.05
Dividend Payout Ratio 1.55
TFSL's Dividend Payout Ratio is ranked lower than
98% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. TFSL: 1.55 )
Ranked among companies with meaningful Dividend Payout Ratio only.
TFSL' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.32  Med: 1.38 Max: 5.25
Current: 1.55
0.32
5.25
Forward Dividend Yield % 2.89
TFSL's Forward Dividend Yield % is ranked higher than
52% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. TFSL: 2.89 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.59
TFSL's 5-Year Yield-on-Cost % is ranked lower than
62% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. TFSL: 2.59 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
TFSL' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.4  Med: 1.83 Max: 3.05
Current: 2.59
0.4
3.05
3-Year Average Share Buyback Ratio 2.80
TFSL's 3-Year Average Share Buyback Ratio is ranked higher than
93% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. TFSL: 2.80 )
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: 0.8 Max: 0
Current: 2.8
-13.7
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.95
TFSL's Price-to-Tangible-Book is ranked lower than
92% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. TFSL: 2.95 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
TFSL' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.42  Med: 2.03 Max: 3.26
Current: 2.95
1.42
3.26
Price-to-Intrinsic-Value-Projected-FCF 1.62
TFSL's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
87% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. TFSL: 1.62 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
TFSL' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.91  Med: 1.33 Max: 2.08
Current: 1.62
0.91
2.08
Price-to-Median-PS-Value 1.25
TFSL's Price-to-Median-PS-Value is ranked lower than
61% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. TFSL: 1.25 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
TFSL' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.61  Med: 1.02 Max: 2.11
Current: 1.25
0.61
2.11
Price-to-Peter-Lynch-Fair-Value 2.63
TFSL's Price-to-Peter-Lynch-Fair-Value is ranked lower than
86% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. TFSL: 2.63 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
TFSL' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 2.46  Med: 2.76 Max: 20.02
Current: 2.63
2.46
20.02
Price-to-Graham-Number 2.80
TFSL's Price-to-Graham-Number is ranked lower than
97% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. TFSL: 2.80 )
Ranked among companies with meaningful Price-to-Graham-Number only.
TFSL' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 2.29  Med: 3.04 Max: 6.81
Current: 2.8
2.29
6.81
Earnings Yield (Greenblatt) % 1.60
TFSL's Earnings Yield (Greenblatt) % is ranked lower than
72% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 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: 1.6 Max: 3.9
Current: 1.6
0.3
3.9
Forward Rate of Return (Yacktman) % 25.01
TFSL's Forward Rate of Return (Yacktman) % is ranked higher than
79% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. TFSL: 25.01 )
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: 24.8 Max: 59.1
Current: 25.01
-20.1
59.1

More Statistics

Revenue (TTM) (Mil) $295.2
EPS (TTM) $ 0.29
Beta0.40
Short Percentage of Float1.92%
52-Week Range $16.35 - 19.89
Shares Outstanding (Mil)283.47
» 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 

More From Other Websites
TFS Financial Corporation Declares Dividend Feb 23 2017
Third Federal Announces New Associate Assistance Fund; Celebrates its Value of Love Feb 14 2017
ETFs with exposure to TFS Financial Corp. : February 2, 2017 Feb 02 2017
TFS Financial Corp. :TFSL-US: Earnings Analysis: Q1, 2017 By the Numbers : January 31, 2017 Jan 31 2017
TFS Financial posts 1Q profit Jan 30 2017
TFS Financial posts 1Q profit Jan 30 2017
TFS Financial Corporation Earnings Remain Strong as Housing Sector Continues to Improve Jan 30 2017
TFS Financial Corp. : TFSL-US: Dividend Analysis : November 29th, 2016 (record date) : By the... Jan 23 2017
Free Tax Preparation to Be Offered at Cleveland Central Catholic High School Jan 23 2017
ETFs with exposure to TFS Financial Corp. : January 17, 2017 Jan 17 2017
TFS Financial Corp. breached its 50 day moving average in a Bearish Manner : TFSL-US : January 13,... Jan 13 2017
Third Federal Introduces Heritage Home Program Loan Jan 09 2017
Do Hedge Funds Love TFS Financial Corporation (TFSL)? Dec 20 2016
ETFs with exposure to TFS Financial Corp. : November 28, 2016 Nov 28 2016
TFS Financial Corp. :TFSL-US: Earnings Analysis: 2016 By the Numbers : November 25, 2016 Nov 25 2016
Is Southwestern Energy Company (SWN) A Good Stock To Buy? Nov 24 2016
TFS Financial Corporation Declares Dividend Nov 17 2016
TFS Financial Corporation Declares Dividend Nov 17 2016
TFS Financial Corp. breached its 50 day moving average in a Bullish Manner : TFSL-US : November 10,... Nov 10 2016
ETF’s with exposure to TFS Financial Corp. : November 2, 2016 Nov 02 2016

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