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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 0.11
TFSL's Cash-to-Debt is ranked lower than
93% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 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
75% of the 1591 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
64% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 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
Beneish M-Score: -2.58
WACC vs ROIC
4.18%
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 : 5/10

vs
industry
vs
history
Operating Margin % 41.86
TFSL's Operating Margin % is ranked higher than
73% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 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 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 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 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 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 1612 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 1354 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
70% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 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
71% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 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 (Next Earnings Date: 2017-07-29 Est.)


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, NYSE:PB, NAS:PVTB, NYSE:FNB, NYSE:WAL, NYSE:FHN, NAS:BPOP, NYSE:SNV, NAS:FHB, OTCPK:FCNCB, NAS:IBKC, NAS:HBHC, NAS:PBCT, NAS:UMPQ, NAS:BOKF, NYSE:ASB, NAS:CBSH, NAS:TCBI, NYSE:BKU, NAS:WTFC » details
Traded in other countries:PWT.Germany,
Headquarter Location:USA
TFS Financial Corp through its subsidiaries, is engaged in retail consumer banking, including mortgage lending, deposits gathering and other financial services.

TFS Financial is the holding company for the Third Federal Savings and Loan Association of Cleveland. The company's ownership in the savings and loan association is its primary business activity. The association's principal business consists of originating and servicing residential real estate mortgage loans and attracting retail savings deposits. It does so by offering products with competitive rates and yields. The company also operates Third Capital, a wholly owned subsidiary that serves as a holding company or as an investor in vehicles such as private equity funds. Third Capital has interests in lease transactions of commercial buildings, title agencies providing escrow and settlement services, and reinsurance of private mortgage insurance on residential loans.

Ratios

vs
industry
vs
history
PE Ratio 57.03
TFSL's PE Ratio is ranked lower than
95% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. TFSL: 57.03 )
Ranked among companies with meaningful PE Ratio only.
TFSL' s PE Ratio Range Over the Past 10 Years
Min: 55.03  Med: 84.33 Max: 478.67
Current: 57.03
55.03
478.67
PE Ratio without NRI 57.03
TFSL's PE Ratio without NRI is ranked lower than
95% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. TFSL: 57.03 )
Ranked among companies with meaningful PE Ratio without NRI only.
TFSL' s PE Ratio without NRI Range Over the Past 10 Years
Min: 55.03  Med: 84.33 Max: 478.67
Current: 57.03
55.03
478.67
Price-to-Owner-Earnings 47.53
TFSL's Price-to-Owner-Earnings is ranked lower than
93% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. TFSL: 47.53 )
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: 65.28 Max: 170
Current: 47.53
31.12
170
PB Ratio 2.82
TFSL's PB Ratio is ranked lower than
93% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. TFSL: 2.82 )
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: 2.82
1.4
3.38
PS Ratio 15.83
TFSL's PS Ratio is ranked lower than
97% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. TFSL: 15.83 )
Ranked among companies with meaningful PS Ratio only.
TFSL' s PS Ratio Range Over the Past 10 Years
Min: 7.05  Med: 13.38 Max: 29.71
Current: 15.83
7.05
29.71
Price-to-Free-Cash-Flow 43.76
TFSL's Price-to-Free-Cash-Flow is ranked lower than
93% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. TFSL: 43.76 )
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: 27.75 Max: 185.56
Current: 43.76
7.32
185.56
Price-to-Operating-Cash-Flow 41.04
TFSL's Price-to-Operating-Cash-Flow is ranked lower than
94% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. TFSL: 41.04 )
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: 27.13 Max: 151.82
Current: 41.04
7.25
151.82
EV-to-EBIT 59.98
TFSL's EV-to-EBIT is ranked lower than
95% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. TFSL: 59.98 )
Ranked among companies with meaningful EV-to-EBIT only.
TFSL' s EV-to-EBIT Range Over the Past 10 Years
Min: -586.2  Med: 60.85 Max: 326.7
Current: 59.98
-586.2
326.7
EV-to-EBITDA 51.29
TFSL's EV-to-EBITDA is ranked lower than
95% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. TFSL: 51.29 )
Ranked among companies with meaningful EV-to-EBITDA only.
TFSL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1562.8  Med: 53.4 Max: 326.9
Current: 51.29
-1562.8
326.9
PEG Ratio 1.44
TFSL's PEG Ratio is ranked lower than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. TFSL: 1.44 )
Ranked among companies with meaningful PEG Ratio only.
TFSL' s PEG Ratio Range Over the Past 10 Years
Min: 1.15  Med: 1.59 Max: 52.61
Current: 1.44
1.15
52.61
Shiller PE Ratio 109.19
TFSL's Shiller PE Ratio is ranked lower than
97% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. TFSL: 109.19 )
Ranked among companies with meaningful Shiller PE Ratio only.
TFSL' s Shiller PE Ratio Range Over the Past 10 Years
Min: 51.23  Med: 115.8 Max: 135.21
Current: 109.19
51.23
135.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.87
TFSL's Dividend Yield % is ranked higher than
53% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. TFSL: 2.87 )
Ranked among companies with meaningful Dividend Yield % only.
TFSL' s Dividend Yield % Range Over the Past 10 Years
Min: 0.4  Med: 1.86 Max: 3.05
Current: 2.87
0.4
3.05
Dividend Payout Ratio 1.55
TFSL's Dividend Payout Ratio is ranked lower than
98% of the 1315 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 % 3.02
TFSL's Forward Dividend Yield % is ranked higher than
52% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. TFSL: 3.02 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.88
TFSL's 5-Year Yield-on-Cost % is ranked lower than
57% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. TFSL: 2.88 )
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: 1.85 Max: 3.05
Current: 2.88
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 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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 2.83
TFSL's Price-to-Tangible-Book is ranked lower than
91% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. TFSL: 2.83 )
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: 2.83
1.42
3.26
Price-to-Intrinsic-Value-Projected-FCF 1.55
TFSL's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
89% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. TFSL: 1.55 )
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: 1.55
0.91
2.08
Price-to-Median-PS-Value 1.18
TFSL's Price-to-Median-PS-Value is ranked lower than
55% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. TFSL: 1.18 )
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: 0.6  Med: 1 Max: 2.08
Current: 1.18
0.6
2.08
Price-to-Peter-Lynch-Fair-Value 2.53
TFSL's Price-to-Peter-Lynch-Fair-Value is ranked lower than
84% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. TFSL: 2.53 )
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: 2.53
2.46
20.02
Price-to-Graham-Number 2.68
TFSL's Price-to-Graham-Number is ranked lower than
97% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. TFSL: 2.68 )
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: 2.68
2.29
6.81
Earnings Yield (Greenblatt) % 1.67
TFSL's Earnings Yield (Greenblatt) % is ranked lower than
71% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. TFSL: 1.67 )
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: 1.67
0.3
3.9
Forward Rate of Return (Yacktman) % 25.13
TFSL's Forward Rate of Return (Yacktman) % is ranked higher than
78% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. TFSL: 25.13 )
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: 25.13
-20.1
59.1

More Statistics

Revenue (TTM) (Mil) $295.2
EPS (TTM) $ 0.29
Beta0.40
Short Percentage of Float2.34%
52-Week Range $15.93 - 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 posts 2Q profit Apr 28 2017
Strongest Quarterly Results for TFS Financial in Past 10 Years Apr 28 2017
TFS Financial Corp. breached its 50 day moving average in a Bearish Manner : TFSL-US : April 28,... Apr 28 2017
Tree Planting Event Scheduled for April 22 in Slavic Village Apr 10 2017
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 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. breached its 50 day moving average in a Bullish Manner : TFSL-US : November 10,... Nov 10 2016

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