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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 : 7/10

vs
industry
vs
history
Cash to Debt 1.03
THRD's Cash to Debt is ranked higher than
73% of the 1266 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 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 1651 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
76% of the 1508 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 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: 0.30
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 (%) 27.11
THRD's Operating margin (%) is ranked higher than
71% of the 1652 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.46 vs. THRD: 27.11 )
THRD' s 10-Year Operating margin (%) Range
Min: -46.52   Max: 38.41
Current: 27.11

-46.52
38.41
Net-margin (%) 20.89
THRD's Net-margin (%) is ranked higher than
74% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.71 vs. THRD: 20.89 )
THRD' s 10-Year Net-margin (%) Range
Min: -29.44   Max: 26.31
Current: 20.89

-29.44
26.31
ROE (%) 6.93
THRD's ROE (%) is ranked higher than
70% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 vs. THRD: 6.93 )
THRD' s 10-Year ROE (%) Range
Min: -10.52   Max: 10.74
Current: 6.93

-10.52
10.74
ROA (%) 0.79
THRD's ROA (%) is ranked higher than
75% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. THRD: 0.79 )
THRD' s 10-Year ROA (%) Range
Min: -0.96   Max: 1.04
Current: 0.79

-0.96
1.04
ROC (Joel Greenblatt) (%) 99.03
THRD's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 1624 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.28 vs. THRD: 99.03 )
THRD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -45.77   Max: 134.41
Current: 99.03

-45.77
134.41
Revenue Growth (%) 2.70
THRD's Revenue Growth (%) is ranked higher than
80% of the 1452 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: 19.5
Current: 2.7

-1.2
19.5
EBITDA Growth (%) 16.30
THRD's EBITDA Growth (%) is ranked higher than
84% of the 1307 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. THRD: 16.30 )
THRD' s 10-Year EBITDA Growth (%) Range
Min: -10.6   Max: 25.1
Current: 16.3

-10.6
25.1
EPS Growth (%) 21.80
THRD's EPS Growth (%) is ranked higher than
87% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. THRD: 21.80 )
THRD' s 10-Year EPS Growth (%) Range
Min: -10   Max: 22.4
Current: 21.8

-10
22.4
» THRD's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

THRD Guru Trades in Q3 2013

Jim Simons 15,039 sh (+0.67%)
Private Capital 16,459 sh (unchged)
» More
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
» 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%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 23.20
THRD's P/E(ttm) is ranked higher than
57% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. THRD: 23.20 )
THRD' s 10-Year P/E(ttm) Range
Min: 10.09   Max: 24.07
Current: 23.2

10.09
24.07
P/B 1.30
THRD's P/B is ranked higher than
60% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. THRD: 1.30 )
THRD' s 10-Year P/B Range
Min: 0.61   Max: 1.78
Current: 1.3

0.61
1.78
P/S 4.10
THRD's P/S is ranked lower than
51% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.11 vs. THRD: 4.10 )
THRD' s 10-Year P/S Range
Min: 1.66   Max: 4.74
Current: 4.1

1.66
4.74
PFCF 14.70
THRD's PFCF is ranked higher than
71% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 109.09 vs. THRD: 14.70 )
THRD' s 10-Year PFCF Range
Min: 5.2   Max: 138.09
Current: 14.7

5.2
138.09
EV-to-EBIT 15.95
THRD's EV-to-EBIT is ranked higher than
73% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.74 vs. THRD: 15.95 )
THRD' s 10-Year EV-to-EBIT Range
Min: 9.3   Max: 38.4
Current: 15.95

9.3
38.4
PEG 2.92
THRD's PEG is ranked higher than
81% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. THRD: 2.92 )
THRD' s 10-Year PEG Range
Min: 1.53   Max: 11.25
Current: 2.92

1.53
11.25
Shiller P/E 23.80
THRD's Shiller P/E is ranked higher than
70% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.55 vs. THRD: 23.80 )
THRD' s 10-Year Shiller P/E Range
Min: 8.49   Max: 30.88
Current: 23.8

8.49
30.88

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.10
THRD's Dividend Yield is ranked lower than
81% of the 1413 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.42 vs. THRD: 1.10 )
THRD' s 10-Year Dividend Yield Range
Min: 0.7   Max: 4.91
Current: 1.1

0.7
4.91
Dividend Payout 0.25
THRD's Dividend Payout is ranked higher than
80% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.48 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
58% of the 979 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.40 vs. THRD: -26.70 )
THRD' s 10-Year Dividend growth (3y) Range
Min: -36.2   Max: 25.9
Current: -26.7

-36.2
25.9
Yield on cost (5-Year) 0.22
THRD's Yield on cost (5-Year) is ranked lower than
93% of the 1426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.64 vs. THRD: 0.22 )
THRD' s 10-Year Yield on cost (5-Year) Range
Min: 0.14   Max: 0.99
Current: 0.22

0.14
0.99
Share Buyback Rate -2.70
THRD's Share Buyback Rate is ranked higher than
69% of the 1240 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 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
70% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 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) 0.94
THRD's Price/DCF (Projected) is ranked higher than
72% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. THRD: 0.94 )
THRD' s 10-Year Price/DCF (Projected) Range
Min: 0.34   Max: 1.07
Current: 0.94

0.34
1.07
Price/Median PS Value 1.59
THRD's Price/Median PS Value is ranked higher than
56% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. THRD: 1.59 )
THRD' s 10-Year Price/Median PS Value Range
Min: 0.67   Max: 2.26
Current: 1.59

0.67
2.26
Price/Peter Lynch Fair Value 2.65
THRD's Price/Peter Lynch Fair Value is ranked higher than
85% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. THRD: 2.65 )
THRD' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.4   Max: 2.73
Current: 2.65

0.4
2.73
Price/Graham Number 1.21
THRD's Price/Graham Number is ranked higher than
66% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. THRD: 1.21 )
THRD' s 10-Year Price/Graham Number Range
Min: 0.53   Max: 1.61
Current: 1.21

0.53
1.61
Earnings Yield (Greenblatt) 6.30
THRD's Earnings Yield (Greenblatt) is ranked higher than
65% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. THRD: 6.30 )
THRD' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.6   Max: 10.7
Current: 6.3

2.6
10.7
Forward Rate of Return (Yacktman) 13.06
THRD's Forward Rate of Return (Yacktman) is ranked higher than
70% of the 1309 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.11 vs. THRD: 13.06 )
THRD' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.1   Max: 15.6
Current: 13.06

-2.1
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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