TFS FinancialTFSL +2.64%56 FCF Margin % is 15.71% as of Mar. 2026, which is 44% below its 10-year median of 28.14. GuruFocus rates TFSL with a GF Score™ of 56/100 and a GF Value™ of $14.60 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,504 Banks companies, TFS Financial ranks worse than 52.79% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. TFS Financial's Free Cash Flow for the
three
months ended in Mar. 2026 was $13.4 Mil. TFS Financial's Revenue for the
three
months ended in Mar. 2026 was $85.2 Mil. Therefore, TFS Financial's FCF Margin % for the quarter that ended in Mar. 2026 was 15.71%.
The historical rank and industry rank for TFS Financial's FCF Margin % or its related term are showing as below:
TFSL'
s FCF Margin % Range Over the Past 10 Years
Min: 12.44 Med: 28.14 Max: 40.13
Current: 24.45
During the past 13 years, the highest FCF Margin % of TFS Financial was 40.13%. The lowest was 12.44%. And the median was 28.14%.
TFSL's FCF Margin % is ranked worse than 52.79% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs TFSL: 24.45
TFS Financial FCF Margin % Related Terms
TFS Financial FCF Margin % Historical Data
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The historical data trend for TFS Financial's FCF Margin % 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.
For the Banks - Regional subindustry, TFS Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, TFS Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where TFS Financial's FCF Margin % falls into.
* 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.
TFS Financial (TFSL) has a FCF Margin % of 15.71% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on TFS Financial and its competitors. This is 44% below median its historical median of 28.14. Over the past decade, TFS Financial's FCF Margin % has ranged from 12.44 to 40.13. According to the industry distribution chart, TFS Financial ranks #794 out of 1504 companies in the Banks industry, placing it in the top 52.8%.
Is TFS Financial's FCF Margin % too high?
TFS Financial's current FCF Margin % of 15.71% is 44% below median its 10-year median of 28.14. Over the past 10 years, this metric has ranged from a low of 12.44 to a high of 40.13. The Banks industry median FCF Margin % is 26.50. TFS Financial's value of 15.71% is 40.7% below this industry median. Based on the distribution chart, TFS Financial ranks #794 out of 1504 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to IBOC and TCBI?
According to the Banks industry distribution chart, TFS Financial ranks #794 out of 1504 companies for FCF Margin %. This places TFS Financial in the lower half of its industry. The industry median FCF Margin % is 26.50. TFS Financial's value of 15.71% is 40.7% below this benchmark. Historically, TFS Financial's own FCF Margin % has ranged from 12.44 to 40.13 over the past decade. While the company's 10-year median is 28.14 vs. the industry median of 26.50, TFS Financial has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TFS Financial's current FCF Margin % of 15.71% is 40.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on TFS Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TFS Financial's current FCF Margin % is 15.71%, which is 44% below median its own 10-year median of 28.14. 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 $14.60, compared to a current price of $17.51 — trading 19.9% above its estimated fair value. The current FCF Margin % is 15.71%, which is 44% below median its 10-year median of 28.14 and 40.7% below the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For TFS Financial (TFSL), the current FCF Margin % is 15.71% as of Mar. 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 $17.51 is trading 19.9% above its estimated GF Value™ of $14.60.
GuruFocus considers TFS Financial to be Modestly Overvalued.
Key valuation signals for TFSL:
FCF Margin %: 15.71% (44% below median its 10-year median of 28.14)
GF Value™: $14.60 vs. price of $17.51 (19.9% above fair value)
Industry Position: 40.7% below the Banks median (#794 of 1504)
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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