TFS FinancialTFSL +0.17%56 Cyclically Adjusted PS Ratio is 13.85 as of Jul. 06, 2026, which is 2% below its 10-year median of 14.10. GuruFocus rates TFSL with a GF Score™ of 56/100 and a GF Value™ of $14.63 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,301 Banks companies, TFS Financial ranks worse than 98.39% on this metric.
The historical rank and industry rank for TFS Financial's Cyclically Adjusted PS Ratio or its related term are showing as below:
TFSL'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 8.86 Med: 14.1 Max: 20.4
Current: 13.83
During the past years, TFS Financial's highest Cyclically Adjusted PS Ratio was 20.40. The lowest was 8.86. And the median was 14.10.
TFSL's Cyclically Adjusted PS Ratio is ranked worse than 98.39% of 1301
companies
in the Banks industry
Industry Median: 3.32
vs TFSL: 13.83
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
TFS Financial's adjusted revenue per share data for the three months ended in Mar. 2026 was $0.305. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $1.29 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
TFS Financial (NAS:TFSL) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.
TFS Financial Cyclically Adjusted PS Ratio Related Terms
TFS Financial Cyclically Adjusted PS Ratio Historical Data
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The historical data trend for TFS Financial's Cyclically Adjusted PS Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
TFSL vs IBOC, SFBS, FINN: Cyclically Adjusted PS Ratio Comparison
For the Banks - Regional subindustry, TFS Financial's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
TFS Financial Cyclically Adjusted PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, TFS Financial's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where TFS Financial's Cyclically Adjusted PS Ratio falls into.
TFS Financial Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.
TFS Financial's Cyclically Adjusted PS Ratio for today is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PS Ratio of 13.85 mean?
TFS Financial (TFSL) has a Cyclically Adjusted PS Ratio of 13.85 as of Jul. 06, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on TFS Financial and its competitors. This is near median its historical median of 14.10. Over the past decade, TFS Financial's Cyclically Adjusted PS Ratio has ranged from 8.86 to 20.40. According to the industry distribution chart, TFS Financial ranks #1280 out of 1301 companies in the Banks industry, placing it in the top 98.4%.
Is TFS Financial's Cyclically Adjusted PS Ratio too high?
TFS Financial's current Cyclically Adjusted PS Ratio of 13.85 is near median its 10-year median of 14.10. Over the past 10 years, this metric has ranged from a low of 8.86 to a high of 20.40. The Banks industry median Cyclically Adjusted PS Ratio is 3.32. TFS Financial's value of 13.85 is 317.2% above this industry median. Based on the distribution chart, TFS Financial ranks #1280 out of 1301 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, TFS Financial has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does TFS Financial's Cyclically Adjusted PS Ratio compare to IBOC and SFBS?
According to the Banks industry distribution chart, TFS Financial ranks #1280 out of 1301 companies for Cyclically Adjusted PS Ratio. This places TFS Financial in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.32. TFS Financial's value of 13.85 is 317.2% above this benchmark. Historically, TFS Financial's own Cyclically Adjusted PS Ratio has ranged from 8.86 to 20.40 over the past decade. While the company's 10-year median is 14.10 vs. the industry median of 3.32, TFS Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.32, based on 1,301 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TFS Financial's current Cyclically Adjusted PS Ratio of 13.85 is 317.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on TFS Financial and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TFS Financial's current Cyclically Adjusted PS Ratio is 13.85, which is near median its own 10-year median of 14.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TFS Financial stock overvalued right now?
Based on GuruFocus' analysis, TFS Financial (TFSL) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.63, compared to a current price of $17.87 — trading 22.1% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 13.85, which is near median its 10-year median of 14.10 and 317.2% above the Banks industry median of 3.32. TFS Financial's overall GF Score™ is 56/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For TFS Financial (TFSL), the current Cyclically Adjusted PS Ratio is 13.85 as of Jul. 06, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is TFS Financial (TFSL) Overvalued in 2026?
Based on GuruFocus' analysis, TFS Financial stock appears to be overvalued.
The current stock price of $17.87 is trading 22.1% above its estimated GF Value™ of $14.63.
GuruFocus considers TFS Financial to be Modestly Overvalued.
Key valuation signals for TFSL:
Cyclically Adjusted PS Ratio: 13.85 (near median its 10-year median of 14.10)
GF Value™: $14.63 vs. price of $17.87 (22.1% above fair value)
Industry Position: 317.2% above the Banks median (#1280 of 1301)
No single metric tells the full story. See the TFSL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
TFS Financial Corp 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.
56GF Score
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