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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 : 3/10

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Interest Coverage 1.90
THRD's Interest Coverage is ranked lower than
99.99% of the 1537 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. THRD: 1.90 )
Ranked among companies with meaningful Interest Coverage only.
THRD' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.9
Current: 1.9
0
1.9
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 : 3/10

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» THRD's 10-Y Financials

Financials (Next Earnings Date: 0)


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

» Details

Guru Trades

THRD Guru Trades in

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 (-10.10%)
» More
Q4 2014

THRD Guru Trades in Q4 2014

Private Capital Sold Out
Jim Simons Sold Out
» 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%)

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:ICBK, NAS:HFFC, NAS:OFED, NAS:GCBC, NAS:RVSB, NAS:PBIP, NAS:LSBG, NAS:FCAP, NAS:MLVF, NAS:TSBK, NAS:ESSA, NAS:PROV, NAS:LPSB, NAS:CBNK, NAS:FSBK, NAS:SIFI, NAS:FCLF, OTCBB:NWIN, NAS:FNWB, NAS:LSBK » 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.

Ratios

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Dividend & Buy Back

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Dividend Yield 1.13
THRD's Dividend Yield is ranked lower than
87% of the 2218 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.95 vs. THRD: 1.13 )
Ranked among companies with meaningful Dividend Yield only.
THRD' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.13
Current: 1.13
0
1.13
Dividend Payout 0.25
THRD's Dividend Payout is ranked higher than
66% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. THRD: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
THRD' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.25
Current: 0.25
0
0.25
Yield on cost (5-Year) 1.13
THRD's Yield on cost (5-Year) is ranked lower than
87% of the 2523 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.51 vs. THRD: 1.13 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
THRD' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.13
Current: 1.13
0
1.13

Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $31.25
EPS (TTM) $ 1.80
Short Percentage of Float0.13%
52-Week Range $26.73 - 43.50
Shares Outstanding (Mil)3.16

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