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TFS FinancialTFSL +0.34%62 3-Year EPS without NRI Growth Rate is 7.20% as of Jun. 2026. GuruFocus rates TFSL with a GF Score™ of 62/100 and a GF Value™ of $15.00 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,405 Banks companies, TFS Financial ranks worse than 50.75% on this metric.
During the past 12 months, TFS Financial's average EPS without NRI Growth Rate was 24.10% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 7.20% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 1.10% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 0.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of TFS Financial was 94.30% per year. The lowest was -43.90% per year. And the median was -1.20% per year.
TFS Financial (NAS:TFSL) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
TFS Financial 3-Year EPS without NRI Growth Rate Related Terms
TFSL vs FFIN, EBC, SFBS: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, TFS Financial's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, TFS Financial's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where TFS Financial's 3-Year EPS without NRI Growth Rate falls into.
TFS Financial 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 7.20% mean?
TFS Financial (TFSL) has a 3-Year EPS without NRI Growth Rate of 7.20% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for TFS Financial and its competitors. According to the industry distribution chart, TFS Financial ranks #713 out of 1405 companies in the Banks industry, placing it in the top 50.7%.
Is TFS Financial's 3-Year EPS without NRI Growth Rate too high?
TFS Financial's current 3-Year EPS without NRI Growth Rate is 7.20%. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. TFS Financial's value of 7.20% is 4% below this industry median. Based on the distribution chart, TFS Financial ranks #713 out of 1405 companies in the Banks industry, which is below the industry midpoint. Overall, TFS Financial has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does TFS Financial's 3-Year EPS without NRI Growth Rate compare to FFIN and EBC?
According to the Banks industry distribution chart, TFS Financial ranks #713 out of 1405 companies for 3-Year EPS without NRI Growth Rate. This places TFS Financial in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. TFS Financial's value of 7.20% is 4% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,405 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TFS Financial's current 3-Year EPS without NRI Growth Rate of 7.20% is 4% below 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for TFS Financial and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TFS Financial's current 3-Year EPS without NRI Growth Rate is 7.20%. 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 $15.00, compared to a current price of $17.57 — trading 17.1% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 7.20% and 4% below the Banks industry median of 7.50. TFS Financial's overall GF Score™ is 62/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For TFS Financial (TFSL), the current 3-Year EPS without NRI Growth Rate is 7.20% as of Jun. 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 $17.57 is trading 17.1% above its estimated GF Value™ of $15.00.
GuruFocus considers TFS Financial to be Modestly Overvalued.
Key valuation signals for TFSL:
3-Year EPS without NRI Growth Rate: 7.20%
GF Value™: $15.00 vs. price of $17.57 (17.1% above fair value)
Industry Position: 4% below the Banks median (#713 of 1405)
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.
62GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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