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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 0.07
TFSL's Cash-to-Debt is ranked lower than
96% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. TFSL: 0.07 )
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 Max: No Debt
Current: 0.07
Equity-to-Asset 0.13
TFSL's Equity-to-Asset is ranked higher than
75% of the 1628 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 1.08
TFSL's Interest Coverage is ranked lower than
63% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. TFSL: 1.08 )
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: 1.08
Current: 1.08
0.07
1.08
Beneish M-Score: -2.58
WACC vs ROIC
3.83%
2.05%
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 : 6/10

vs
industry
vs
history
Operating Margin % 43.98
TFSL's Operating Margin % is ranked higher than
76% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. TFSL: 43.98 )
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: 43.98
Current: 43.98
4.33
43.98
Net Margin % 29.26
TFSL's Net Margin % is ranked higher than
68% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. TFSL: 29.26 )
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: 29.26
Current: 29.26
3.35
29.26
ROE % 5.13
TFSL's ROE % is ranked lower than
75% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. TFSL: 5.13 )
Ranked among companies with meaningful ROE % only.
TFSL' s ROE % Range Over the Past 10 Years
Min: 0.53  Med: 2.28 Max: 5.13
Current: 5.13
0.53
5.13
ROA % 0.67
TFSL's ROA % is ranked lower than
65% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. TFSL: 0.67 )
Ranked among companies with meaningful ROA % only.
TFSL' s ROA % Range Over the Past 10 Years
Min: 0.09  Med: 0.38 Max: 0.67
Current: 0.67
0.09
0.67
3-Year Revenue Growth Rate 2.00
TFSL's 3-Year Revenue Growth Rate is ranked lower than
62% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 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
69% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 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
72% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 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 30-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

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522120    SIC: 6035
Compare:NYSE:FNB, NYSE:PB, NAS:FCNCA, NYSE:WBS, NAS:WTFC, NAS:UBSI, NAS:BPOP, NAS:IBKC, NAS:UMPQ, NYSE:FHN, NAS:FHB, NAS:HBHC, NAS:PVTB, NYSE:WAL, NYSE:ASB, NAS:TCBI, NAS:UMBF, NAS:MBFI, NYSE:SNV, NAS:HOMB » details
Traded in other countries:PWT.Germany,
Headquarter Location:USA
TFS Financial Corp is the holding company of the Third Federal Savings and Loan Association based in the United States. Its business consists of originating and servicing residential real estate mortgage loans and attracting retail savings deposits.

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 51.81
TFSL's PE Ratio is ranked lower than
94% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. TFSL: 51.81 )
Ranked among companies with meaningful PE Ratio only.
TFSL' s PE Ratio Range Over the Past 10 Years
Min: 51  Med: 83.47 Max: 478.67
Current: 51.81
51
478.67
PE Ratio without NRI 51.81
TFSL's PE Ratio without NRI is ranked lower than
94% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. TFSL: 51.81 )
Ranked among companies with meaningful PE Ratio without NRI only.
TFSL' s PE Ratio without NRI Range Over the Past 10 Years
Min: 51  Med: 83.47 Max: 478.67
Current: 51.81
51
478.67
Price-to-Owner-Earnings 45.85
TFSL's Price-to-Owner-Earnings is ranked lower than
93% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. TFSL: 45.85 )
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: 64.25 Max: 170
Current: 45.85
31.12
170
PB Ratio 2.63
TFSL's PB Ratio is ranked lower than
93% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. TFSL: 2.63 )
Ranked among companies with meaningful PB Ratio only.
TFSL' s PB Ratio Range Over the Past 10 Years
Min: 1.4  Med: 2.05 Max: 3.38
Current: 2.63
1.4
3.38
PS Ratio 14.78
TFSL's PS Ratio is ranked lower than
97% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. TFSL: 14.78 )
Ranked among companies with meaningful PS Ratio only.
TFSL' s PS Ratio Range Over the Past 10 Years
Min: 7.05  Med: 13.5 Max: 29.71
Current: 14.78
7.05
29.71
Price-to-Free-Cash-Flow 41.77
TFSL's Price-to-Free-Cash-Flow is ranked lower than
94% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. TFSL: 41.77 )
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: 27.84 Max: 230.34
Current: 41.77
7.32
230.34
Price-to-Operating-Cash-Flow 40.06
TFSL's Price-to-Operating-Cash-Flow is ranked lower than
94% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. TFSL: 40.06 )
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: 27.48 Max: 178.13
Current: 40.06
7.25
178.13
EV-to-EBIT 57.85
TFSL's EV-to-EBIT is ranked lower than
93% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. TFSL: 57.85 )
Ranked among companies with meaningful EV-to-EBIT only.
TFSL' s EV-to-EBIT Range Over the Past 10 Years
Min: -586.2  Med: 60.65 Max: 326.7
Current: 57.85
-586.2
326.7
EV-to-EBITDA 49.60
TFSL's EV-to-EBITDA is ranked lower than
93% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. TFSL: 49.60 )
Ranked among companies with meaningful EV-to-EBITDA only.
TFSL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1562.8  Med: 53.15 Max: 326.9
Current: 49.6
-1562.8
326.9
PEG Ratio 1.29
TFSL's PEG Ratio is ranked higher than
54% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. TFSL: 1.29 )
Ranked among companies with meaningful PEG Ratio only.
TFSL' s PEG Ratio Range Over the Past 10 Years
Min: 1.15  Med: 1.61 Max: 49.64
Current: 1.29
1.15
49.64
Shiller PE Ratio 99.06
TFSL's Shiller PE Ratio is ranked lower than
96% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.16 vs. TFSL: 99.06 )
Ranked among companies with meaningful Shiller PE Ratio only.
TFSL' s Shiller PE Ratio Range Over the Past 10 Years
Min: 51.23  Med: 115.14 Max: 135.21
Current: 99.06
51.23
135.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.20
TFSL's Dividend Yield % is ranked higher than
60% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. TFSL: 3.20 )
Ranked among companies with meaningful Dividend Yield % only.
TFSL' s Dividend Yield % Range Over the Past 10 Years
Min: 0.4  Med: 1.91 Max: 3.24
Current: 3.2
0.4
3.24
Dividend Payout Ratio 1.58
TFSL's Dividend Payout Ratio is ranked lower than
96% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. TFSL: 1.58 )
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: 1.58
0.32
5.25
Forward Dividend Yield % 3.24
TFSL's Forward Dividend Yield % is ranked higher than
62% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. TFSL: 3.24 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.25
TFSL's 5-Year Yield-on-Cost % is ranked lower than
53% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. TFSL: 3.25 )
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: 1.9 Max: 3.28
Current: 3.25
0.4
3.28
3-Year Average Share Buyback Ratio 2.80
TFSL's 3-Year Average Share Buyback Ratio is ranked higher than
93% of the 1086 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 2.63
TFSL's Price-to-Tangible-Book is ranked lower than
90% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. TFSL: 2.63 )
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: 2.07 Max: 3.26
Current: 2.63
1.42
3.26
Price-to-Intrinsic-Value-Projected-FCF 1.50
TFSL's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
88% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. TFSL: 1.50 )
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: 1.4 Max: 2.06
Current: 1.5
0.91
2.06
Price-to-Median-PS-Value 1.09
TFSL's Price-to-Median-PS-Value is ranked higher than
55% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. TFSL: 1.09 )
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: 2.06
Current: 1.09
0.6
2.06
Price-to-Peter-Lynch-Fair-Value 2.51
TFSL's Price-to-Peter-Lynch-Fair-Value is ranked lower than
83% of the 464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. TFSL: 2.51 )
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: 2.75 Max: 20.02
Current: 2.51
2.46
20.02
Price-to-Graham-Number 2.46
TFSL's Price-to-Graham-Number is ranked lower than
95% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. TFSL: 2.46 )
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: 2.98 Max: 6.81
Current: 2.46
2.29
6.81
Earnings Yield (Greenblatt) % 1.72
TFSL's Earnings Yield (Greenblatt) % is ranked lower than
71% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. TFSL: 1.72 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
TFSL' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -0.6  Med: 1.6 Max: 3.9
Current: 1.72
-0.6
3.9
Forward Rate of Return (Yacktman) % 22.84
TFSL's Forward Rate of Return (Yacktman) % is ranked higher than
74% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. TFSL: 22.84 )
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: 24.4 Max: 59.2
Current: 22.84
-20.1
59.2

More Statistics

Revenue (TTM) (Mil) $295.58
EPS (TTM) $ 0.30
Beta0.34
Short Percentage of Float2.32%
52-Week Range $14.86 - 19.89
Shares Outstanding (Mil)282.73
» 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
ADDING MULTIMEDIA Bridge Loan Activity on the Rise at Third Federal as Pace of Homes Sales Increases Jun 26 2017
ETFs with exposure to TFS Financial Corp. : June 19, 2017 Jun 19 2017
TFS Financial Corp. :TFSL-US: Earnings Analysis: Q2, 2017 By the Numbers : June 16, 2017 Jun 16 2017
TFS Financial Corp. : TFSL-US: Dividend Analysis : June 09th, 2017 (record date) : By the numbers :... Jun 08 2017
Mutual Holding Company for TFS Financial Corporation To Seek Member Approval for Dividend Waivers Jun 06 2017
New Third Federal Loan Gives Qualified Borrowers Power to Buy Next Home Before Selling Jun 05 2017
TFS Financial Corporation Declares Dividend May 25 2017
Third Federal CEO Marc Stefanski Honored by Rainey Institute for His Support of Cleveland Youth and... May 15 2017
TFS Financial Corp. breached its 50 day moving average in a Bearish Manner : TFSL-US : May 12, 2017 May 12 2017
TFS Financial posts 2Q profit Apr 28 2017
Strongest Quarterly Results for TFS Financial in Past 10 Years Apr 28 2017
Tree Planting Event Scheduled for April 22 in Slavic Village Apr 10 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

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