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TFS FinancialTFSL -0.47%62 Intrinsic Value: Projected FCF is $8.40 as of Sep. 12, 2026. GuruFocus rates TFSL with a GF Score™ of 62/100 and a GF Value™ of $15.01 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,297 Banks companies, TFS Financial ranks worse than 95.07% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-12), TFS Financial's Intrinsic Value: Projected FCF is $8.40. The stock price of TFS Financial is $17.01. Therefore, TFS Financial's Price-to-Intrinsic-Value-Projected-FCF of today is 2.0.
The historical rank and industry rank for TFS Financial's Intrinsic Value: Projected FCF or its related term are showing as below:
TFSL'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 1.41 Med: 1.79 Max: 2.59
Current: 2.03
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of TFS Financial was 2.59. The lowest was 1.41. And the median was 1.79.
TFSL's Price-to-Projected-FCF is ranked worse than 95.07% of 1297
companies
in the Banks industry
Industry Median: 0.6
vs TFSL: 2.03
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
TFS Financial's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
17.01
/
8.401105515199
=
2.02
* 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 Intrinsic Value: Projected FCF Related Terms
TFS Financial Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for TFS Financial's Intrinsic Value: Projected FCF 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 FFIN, EBC, SFBS: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, TFS Financial's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, TFS Financial's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where TFS Financial's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $8.40 mean?
TFS Financial (TFSL) has a Intrinsic Value: Projected FCF of $8.40 as of Sep. 12, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on TFS Financial and its competitors. According to the industry distribution chart, TFS Financial ranks #1233 out of 1297 companies in the Banks industry, placing it in the top 95.1%.
Is TFS Financial's Intrinsic Value: Projected FCF too high?
TFS Financial's current Intrinsic Value: Projected FCF is $8.40. The Banks industry median Intrinsic Value: Projected FCF is 0.60. TFS Financial's value of $8.40 is 1300% above this industry median. Based on the distribution chart, TFS Financial ranks #1233 out of 1297 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Intrinsic Value: Projected FCF compare to FFIN and EBC?
According to the Banks industry distribution chart, TFS Financial ranks #1233 out of 1297 companies for Intrinsic Value: Projected FCF. This places TFS Financial in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. TFS Financial's value of $8.40 is 1300% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,297 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TFS Financial's current Intrinsic Value: Projected FCF of $8.40 is 1300% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on TFS Financial and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TFS Financial's current Intrinsic Value: Projected FCF is $8.40. 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 $15.01, compared to a current price of $17.01 — trading 13.3% above its estimated fair value. The current Intrinsic Value: Projected FCF is $8.40 and 1300% above the Banks industry median of 0.60. TFS Financial's overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For TFS Financial (TFSL), the current Intrinsic Value: Projected FCF is $8.40 as of Sep. 12, 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 $17.01 is trading 13.3% above its estimated GF Value™ of $15.01.
GuruFocus considers TFS Financial to be Modestly Overvalued.
Key valuation signals for TFSL:
Intrinsic Value: Projected FCF: $8.40
GF Value™: $15.01 vs. price of $17.01 (13.3% above fair value)
Industry Position: 1300% above the Banks median (#1233 of 1297)
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
Get the complete analysis for TFSL
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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