TFSL (TFS Financial) Moat Score: 3/10 (As of Jun. 27, 2026)


TFSL TFS Financial Corp TFSL
56 GF Score
Price $17.51
GF Value $14.61
Valuation Modestly Overvalued
! 7 Warning Signs
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What is TFS Financial Moat Score?

TFS Financial TFSL -0.09% 56 Moat Score is 3 as of Jun. 27, 2026. GuruFocus rates TFSL with a GF Score™ of 56/100 and a GF Value™ of $14.61 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,610 Banks companies, TFS Financial ranks better than 74.41% on this metric.

TFS Financial has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

TFS Financial has No Moat: TFS Financial Corp operates in a competitive banking industry with limited differentiation. It lacks significant customer switching costs, brand strength, or regulatory barriers to establish a durable competitive advantage.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes TFS Financial might have No Moat - Very weak/transient advantages.

TFS Financial  (NAS:TFSL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

TFS Financial Moat Score Related Terms

TFSL vs IBOC, TCBI, SFBS: Moat Score Comparison

For the Banks - Regional subindustry, TFS Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, TFS Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where TFS Financial's Moat Score falls into.


TFSL
56GF Score
TFS Financial Corp TFSL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
TFS Financial (TFSL) has a Moat Score of 3 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, TFS Financial ranks #412 out of 1610 companies in the Banks industry, placing it in the top 25.6%.
Is TFS Financial's Moat Score too high?
TFS Financial's current Moat Score is 3. Based on the distribution chart, TFS Financial ranks #412 out of 1610 companies in the Banks industry, which is above 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 Moat Score compare to IBOC and TCBI?
According to the Banks industry distribution chart, TFS Financial ranks #412 out of 1610 companies for Moat Score. This puts TFS Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. TFS Financial's current Moat Score is 3. 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 $14.61, compared to a current price of $17.51 — trading 19.8% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For TFS Financial (TFSL), the current Moat Score is 3 as of Jun. 27, 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 19.8% above its estimated GF Value™ of $14.61. GuruFocus considers TFS Financial to be Modestly Overvalued.

Key valuation signals for TFSL:

  • Moat Score: 3
  • GF Value™: $14.61 vs. price of $17.51 (19.8% above fair value)
  • GF Score™: 56/100 with 7 warning signs

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 Business Description

Other Exchanges PWT:Germany
Address 7007 Broadway Avenue, Cleveland, OH, USA, 44105
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.51
Price
$14.61
GF Value