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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 0.16
TFSL's Cash to Debt is ranked higher than
53% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. TFSL: 0.16 )
TFSL' s 10-Year Cash to Debt Range
Min: 0.16   Max: No Debt
Current: 0.16

Equity to Asset 0.16
TFSL's Equity to Asset is ranked higher than
93% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. TFSL: 0.16 )
TFSL' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.19
Current: 0.16

0.1
0.19
Interest Coverage 0.96
TFSL's Interest Coverage is ranked higher than
63% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. TFSL: 0.96 )
TFSL' s 10-Year Interest Coverage Range
Min: 0.07   Max: 9999.99
Current: 0.96

0.07
9999.99
F-Score: 6
Z-Score: 0.42
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 : 4/10

vs
industry
vs
history
Operating margin (%) 46.15
TFSL's Operating margin (%) is ranked higher than
91% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. TFSL: 46.15 )
TFSL' s 10-Year Operating margin (%) Range
Min: -100.35   Max: 42.88
Current: 46.15

-100.35
42.88
Net-margin (%) 18.25
TFSL's Net-margin (%) is ranked higher than
69% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. TFSL: 18.25 )
TFSL' s 10-Year Net-margin (%) Range
Min: 3.35   Max: 63.81
Current: 18.25

3.35
63.81
ROE (%) 3.53
TFSL's ROE (%) is ranked higher than
56% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. TFSL: 3.53 )
TFSL' s 10-Year ROE (%) Range
Min: 0.53   Max: 13.25
Current: 3.53

0.53
13.25
ROA (%) 0.57
TFSL's ROA (%) is ranked higher than
65% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. TFSL: 0.57 )
TFSL' s 10-Year ROA (%) Range
Min: 0.09   Max: 1.45
Current: 0.57

0.09
1.45
ROC (Joel Greenblatt) (%) 288.66
TFSL's ROC (Joel Greenblatt) (%) is ranked higher than
93% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. TFSL: 288.66 )
TFSL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 19.77   Max: 205.58
Current: 288.66

19.77
205.58
Revenue Growth (3Y)(%) 1.80
TFSL's Revenue Growth (3Y)(%) is ranked higher than
77% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. TFSL: 1.80 )
TFSL' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 32.6
Current: 1.8

0
32.6
EBITDA Growth (3Y)(%) 54.70
TFSL's EBITDA Growth (3Y)(%) is ranked higher than
97% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. TFSL: 54.70 )
TFSL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 54.7
Current: 54.7

0
54.7
EPS Growth (3Y)(%) 94.30
TFSL's EPS Growth (3Y)(%) is ranked higher than
98% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. TFSL: 94.30 )
TFSL' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   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

Q4 2013

TFSL Guru Trades in Q4 2013

Paul Tudor Jones 13,889 sh (New)
Steven Cohen Sold Out
Jim Simons 4,208,622 sh (-2.15%)
» More
Q1 2014

TFSL Guru Trades in Q1 2014

Paul Tudor Jones Sold Out
Jim Simons 3,930,981 sh (-6.6%)
» More
Q2 2014

TFSL Guru Trades in Q2 2014

Jim Simons 3,959,328 sh (+0.72%)
» More
Q3 2014

TFSL Guru Trades in Q3 2014

Jim Simons 4,271,650 sh (+7.89%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Burbank 2012-12-31 Sold Out 0.01%$8.18 - $9.43 $ 14.870%0
John Burbank 2012-09-30 New Buy0.01%$8.53 - $9.75 $ 14.861%29802
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 69.50
TFSL's P/E(ttm) is ranked higher than
65% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. TFSL: 69.50 )
TFSL' s 10-Year P/E(ttm) Range
Min: 43.18   Max: 531.85
Current: 69.5

43.18
531.85
P/B 2.44
TFSL's P/B is ranked higher than
62% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. TFSL: 2.44 )
TFSL' s 10-Year P/B Range
Min: 1.4   Max: 2.53
Current: 2.44

1.4
2.53
P/S 12.33
TFSL's P/S is ranked higher than
60% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. TFSL: 12.33 )
TFSL' s 10-Year P/S Range
Min: 8.35   Max: 18.4
Current: 12.33

8.35
18.4
PFCF 44.85
TFSL's PFCF is ranked higher than
74% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. TFSL: 44.85 )
TFSL' s 10-Year PFCF Range
Min: 1.12   Max: 222.67
Current: 44.85

1.12
222.67
EV-to-EBIT 32.41
TFSL's EV-to-EBIT is ranked higher than
64% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. TFSL: 32.41 )
TFSL' s 10-Year EV-to-EBIT Range
Min: -527   Max: 330.3
Current: 32.41

-527
330.3
PEG 1.69
TFSL's PEG is ranked higher than
87% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. TFSL: 1.69 )
TFSL' s 10-Year PEG Range
Min: 1.04   Max: 12.74
Current: 1.69

1.04
12.74
Shiller P/E 144.92
TFSL's Shiller P/E is ranked higher than
76% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. TFSL: 144.92 )
TFSL' s 10-Year Shiller P/E Range
Min: 36.45   Max: 152.57
Current: 144.92

36.45
152.57

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.95
TFSL's Dividend Yield is ranked lower than
84% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. TFSL: 0.95 )
TFSL' s 10-Year Dividend Yield Range
Min: 0.4   Max: 3.05
Current: 0.95

0.4
3.05
Dividend Payout 0.32
TFSL's Dividend Payout is ranked higher than
76% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. TFSL: 0.32 )
TFSL' s 10-Year Dividend Payout Range
Min: 0.32   Max: 5.25
Current: 0.32

0.32
5.25
Yield on cost (5-Year) 0.90
TFSL's Yield on cost (5-Year) is ranked lower than
82% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. TFSL: 0.90 )
TFSL' s 10-Year Yield on cost (5-Year) Range
Min: 0.4   Max: 3.05
Current: 0.9

0.4
3.05

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.44
TFSL's Price/Tangible Book is ranked higher than
64% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. TFSL: 2.44 )
TFSL' s 10-Year Price/Tangible Book Range
Min: 1.44   Max: 2.37
Current: 2.44

1.44
2.37
Price/DCF (Projected) 1.52
TFSL's Price/DCF (Projected) is ranked higher than
75% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. TFSL: 1.52 )
TFSL' s 10-Year Price/DCF (Projected) Range
Min: 0.77   Max: 1.48
Current: 1.52

0.77
1.48
Price/Median PS Value 1.07
TFSL's Price/Median PS Value is ranked higher than
81% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. TFSL: 1.07 )
TFSL' s 10-Year Price/Median PS Value Range
Min: 0.76   Max: 1.31
Current: 1.07

0.76
1.31
Price/Peter Lynch Fair Value 2.82
TFSL's Price/Peter Lynch Fair Value is ranked higher than
88% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. TFSL: 2.82 )
TFSL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 2.74   Max: 17.67
Current: 2.82

2.74
17.67
Price/Graham Number 2.73
TFSL's Price/Graham Number is ranked higher than
65% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. TFSL: 2.73 )
TFSL' s 10-Year Price/Graham Number Range
Min: 2.41   Max: 4.88
Current: 2.73

2.41
4.88
Earnings Yield (Greenblatt) 3.10
TFSL's Earnings Yield (Greenblatt) is ranked higher than
60% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. TFSL: 3.10 )
TFSL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 3.8
Current: 3.1

0.3
3.8
Forward Rate of Return (Yacktman) 66.23
TFSL's Forward Rate of Return (Yacktman) is ranked higher than
94% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. TFSL: 66.23 )
TFSL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -20.1   Max: 66.4
Current: 66.23

-20.1
66.4

Analyst Estimate


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Sep15
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 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 

More From Other Websites
Third Federal Again Named "Superior" for Strength and Safety Dec 18 2014
TFS FINANCIAL CORP Financials Dec 04 2014
10-K for TFS Financial Corp. Nov 28 2014
TFS FINANCIAL CORP Files SEC form 10-K, Annual Report Nov 26 2014
TFS Financial Corporation Declares Dividend Nov 22 2014
TFS FINANCIAL CORP Files SEC form 8-K, Other Events Nov 21 2014
TFS Financial Corporation Declares Dividend Nov 21 2014
TFS Financial Corporation's Earnings Highest Since 2007 IPO Oct 29 2014
TFS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 29 2014
TFS Financial Corporation's Earnings Highest Since 2007 IPO Oct 29 2014
Q4 2014 TFS Financial Corp Earnings Release - After Market Close Oct 29 2014
Today's Strong And Under The Radar Stock: TFS Financial (TFSL) Oct 20 2014
TFS Financial Corporation Announces Fiscal Year Ended September 30, 2014 Financial Results... Oct 08 2014
TFS Financial Declares Sixth Buyback Program, Shares Gain Sep 11 2014
TFS FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Sep 09 2014
TFS FINANCIAL CORP Files SEC form 8-K, Other Events Aug 28 2014
TFS FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 07 2014
TFS FINANCIAL CORP Files SEC form 8-K, Other Events Jul 31 2014
TFS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 30 2014

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