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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.03
THRD's Cash to Debt is ranked higher than
73% of the 1551 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. THRD: 1.03 )
THRD' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: 1.03

Equity to Asset 0.12
THRD's Equity to Asset is ranked higher than
82% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. THRD: 0.12 )
THRD' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.19
Current: 0.12

0.07
0.19
Interest Coverage 2.17
THRD's Interest Coverage is ranked higher than
77% of the 1825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. THRD: 2.17 )
THRD' s 10-Year Interest Coverage Range
Min: 0.22   Max: 2.17
Current: 2.17

0.22
2.17
F-Score: 5
Z-Score: 0.33
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 : 8/10

vs
industry
vs
history
Operating margin (%) 23.88
THRD's Operating margin (%) is ranked higher than
67% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.16 vs. THRD: 23.88 )
THRD' s 10-Year Operating margin (%) Range
Min: -46.52   Max: 43.9
Current: 23.88

-46.52
43.9
Net-margin (%) 17.66
THRD's Net-margin (%) is ranked higher than
68% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.42 vs. THRD: 17.66 )
THRD' s 10-Year Net-margin (%) Range
Min: -29.44   Max: 31.71
Current: 17.66

-29.44
31.71
ROE (%) 5.92
THRD's ROE (%) is ranked higher than
64% of the 2016 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.57 vs. THRD: 5.92 )
THRD' s 10-Year ROE (%) Range
Min: -9.86   Max: 11.26
Current: 5.92

-9.86
11.26
ROA (%) 0.68
THRD's ROA (%) is ranked higher than
69% of the 2019 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. THRD: 0.68 )
THRD' s 10-Year ROA (%) Range
Min: -0.88   Max: 1.06
Current: 0.68

-0.88
1.06
ROC (Joel Greenblatt) (%) 91.74
THRD's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 1989 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.96 vs. THRD: 91.74 )
THRD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -68.58   Max: 188.06
Current: 91.74

-68.58
188.06
Revenue Growth (%) 2.70
THRD's Revenue Growth (%) is ranked higher than
80% of the 1727 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. THRD: 2.70 )
THRD' s 10-Year Revenue Growth (%) Range
Min: -1.2   Max: 48.4
Current: 2.7

-1.2
48.4
EBITDA Growth (%) 16.30
THRD's EBITDA Growth (%) is ranked higher than
85% of the 1558 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. THRD: 16.30 )
THRD' s 10-Year EBITDA Growth (%) Range
Min: -10.6   Max: 43.4
Current: 16.3

-10.6
43.4
EPS Growth (%) 21.80
THRD's EPS Growth (%) is ranked higher than
87% of the 1545 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. THRD: 21.80 )
THRD' s 10-Year EPS Growth (%) Range
Min: -10   Max: 40.4
Current: 21.8

-10
40.4
» THRD's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

THRD Guru Trades in Q4 2013

Jim Simons 15,139 sh (+0.66%)
Private Capital 14,584 sh (-11.39%)
» More
Q1 2014

THRD Guru Trades in Q1 2014

Jim Simons 15,439 sh (+1.98%)
Private Capital 14,584 sh (unchged)
» More
Q2 2014

THRD Guru Trades in Q2 2014

Jim Simons 19,039 sh (+23.32%)
Private Capital 13,559 sh (-7.03%)
» More
Q3 2014

THRD Guru Trades in Q3 2014

Jim Simons 21,839 sh (+14.71%)
Private Capital 12,189 sh (-10.1%)
» More
» Details

Insider Trades

Latest Guru Trades with THRD

(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
Private Capital 2012-12-31 Reduce -31.88%0.02%$22.06 - $24.84 $ 40.8776%16459
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) 22.80
THRD's P/E(ttm) is ranked higher than
69% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.50 vs. THRD: 22.80 )
THRD' s 10-Year P/E(ttm) Range
Min: 10.09   Max: 24.07
Current: 22.8

10.09
24.07
P/B 1.31
THRD's P/B is ranked higher than
72% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.34 vs. THRD: 1.31 )
THRD' s 10-Year P/B Range
Min: 0.61   Max: 1.78
Current: 1.31

0.61
1.78
P/S 4.03
THRD's P/S is ranked higher than
69% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.61 vs. THRD: 4.03 )
THRD' s 10-Year P/S Range
Min: 1.66   Max: 4.68
Current: 4.03

1.66
4.68
PFCF 14.39
THRD's PFCF is ranked higher than
85% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. THRD: 14.39 )
THRD' s 10-Year PFCF Range
Min: 5.15   Max: 138.09
Current: 14.39

5.15
138.09
EV-to-EBIT 17.12
THRD's EV-to-EBIT is ranked higher than
74% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.80 vs. THRD: 17.12 )
THRD' s 10-Year EV-to-EBIT Range
Min: -27   Max: 38.4
Current: 17.12

-27
38.4
PEG 2.87
THRD's PEG is ranked higher than
85% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. THRD: 2.87 )
THRD' s 10-Year PEG Range
Min: 1.54   Max: 10.77
Current: 2.87

1.54
10.77
Shiller P/E 23.34
THRD's Shiller P/E is ranked higher than
82% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. THRD: 23.34 )
THRD' s 10-Year Shiller P/E Range
Min: 8.49   Max: 30.8
Current: 23.34

8.49
30.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.13
THRD's Dividend Yield is ranked lower than
77% of the 1871 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.25 vs. THRD: 1.13 )
THRD' s 10-Year Dividend Yield Range
Min: 0.7   Max: 4.91
Current: 1.13

0.7
4.91
Dividend Payout 0.25
THRD's Dividend Payout is ranked higher than
81% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. THRD: 0.25 )
THRD' s 10-Year Dividend Payout Range
Min: 0.08   Max: 0.98
Current: 0.25

0.08
0.98
Dividend growth (3y) -26.70
THRD's Dividend growth (3y) is ranked higher than
59% of the 1118 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. THRD: -26.70 )
THRD' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 25.9
Current: -26.7

0
25.9
Yield on cost (5-Year) 0.23
THRD's Yield on cost (5-Year) is ranked lower than
93% of the 1883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.50 vs. THRD: 0.23 )
THRD' s 10-Year Yield on cost (5-Year) Range
Min: 0.14   Max: 0.99
Current: 0.23

0.14
0.99
Share Buyback Rate -2.70
THRD's Share Buyback Rate is ranked higher than
69% of the 1472 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. THRD: -2.70 )
THRD' s 10-Year Share Buyback Rate Range
Min: 12.6   Max: -2.7
Current: -2.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
THRD's Price/Tangible Book is ranked higher than
75% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. THRD: 1.40 )
THRD' s 10-Year Price/Tangible Book Range
Min: 0.66   Max: 2.64
Current: 1.4

0.66
2.64
Price/DCF (Projected) 0.90
THRD's Price/DCF (Projected) is ranked higher than
79% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.54 vs. THRD: 0.90 )
THRD' s 10-Year Price/DCF (Projected) Range
Min: 0.39   Max: 1.23
Current: 0.9

0.39
1.23
Price/Median PS Value 1.60
THRD's Price/Median PS Value is ranked higher than
66% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. THRD: 1.60 )
THRD' s 10-Year Price/Median PS Value Range
Min: 0.67   Max: 2.28
Current: 1.6

0.67
2.28
Price/Peter Lynch Fair Value 2.60
THRD's Price/Peter Lynch Fair Value is ranked higher than
88% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. THRD: 2.60 )
THRD' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.4   Max: 3.77
Current: 2.6

0.4
3.77
Price/Graham Number 1.20
THRD's Price/Graham Number is ranked higher than
72% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. THRD: 1.20 )
THRD' s 10-Year Price/Graham Number Range
Min: 0.53   Max: 1.61
Current: 1.2

0.53
1.61
Earnings Yield (Greenblatt) 5.80
THRD's Earnings Yield (Greenblatt) is ranked higher than
70% of the 1973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. THRD: 5.80 )
THRD' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.6   Max: 10.7
Current: 5.8

2.6
10.7
Forward Rate of Return (Yacktman) 12.75
THRD's Forward Rate of Return (Yacktman) is ranked higher than
73% of the 1512 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.69 vs. THRD: 12.75 )
THRD' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.5   Max: 15.6
Current: 12.75

-2.5
15.6

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
TF Financial Corporation was incorporated in Delaware in March 1994. It is the holding company for Third Federal Savings Bank, which operates thirteen branch offices in Bucks and Philadelphia Counties, Pennsylvania and in Mercer County, New Jersey. The Bank is a community oriented Pennsylvania-chartered stock savings bank offering a variety of financial services to meet the needs of the communities it serves. The Bank's deposits are insured up to the maximum amount allowable by the Federal Deposit Insurance Corporation (the "FDIC"). It attracts deposits from the general public and uses such deposits, together with borrowings and other funds primarily to originate or purchase loans secured by first mortgages on owner-occupied, one-to four-family residences in its market area and to invest in mortgage-backed and investment securities. The Bank's loan portfolio composition consists mainly of adjustable-rate ("ARM") and fixed-rate first mortgage loans secured by one-to four-family residences. It also makes commercial real estate and multi-family loans, construction loans and consumer and other loans. The Bank offers first mortgage loans secured by one-to four-family residences in the Bank's lending area. Typically, such residences are single-family homes that serve as the primary residence of the owner. The Bank also offers consumer and other loans in the form of home equity and second mortgage loans, automobile loans and student loans. The Bank faces varying degrees of competition from banks, thrift institutions and credit unions at its various branch locations. It is subject to regulatory oversight by the FRB.
» More Articles for THRD

Headlines

Articles On GuruFocus.com
TF Financial Corp. Reports Operating Results (10-Q) May 17 2010 
TF Financial Corp. Reports Operating Results (10-Q) Nov 16 2009 
TF Financial Corp. Reports Operating Results (10-Q) Aug 14 2009 
TF Financial Corp. Reports Operating Results (10-Q) May 14 2009 

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