TFS FinancialTFSL +2.64%56 Net Margin % is 27.27% as of Mar. 2026, which is 3% below its 10-year median of 28.13. 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 1,526 Banks companies, TFS Financial ranks better than 53.08% on this metric.
Net margin is calculated as Net Income divided by its Revenue. TFS Financial's Net Income for the
three
months ended in Mar. 2026 was $23.2 Mil. TFS Financial's Revenue for the
three
months ended in Mar. 2026 was $85.2 Mil. Therefore, TFS Financial's net margin for the quarter that ended in Mar. 2026 was 27.27%.
The historical rank and industry rank for TFS Financial's Net Margin % or its related term are showing as below:
TFSL'
s Net Margin % Range Over the Past 10 Years
Min: 24.67 Med: 28.13 Max: 29.75
Current: 27.65
TFSL's Net Margin % is ranked better than 53.08% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs TFSL: 27.65
TFS Financial (NAS:TFSL) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
TFS Financial Net Margin % Related Terms
TFS Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for TFS Financial's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, TFS Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where TFS Financial's Net 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 Net Margin % of 27.27% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on TFS Financial and its competitors. This is near median its historical median of 28.13. Over the past decade, TFS Financial's Net Margin % has ranged from 24.67 to 29.75. According to the industry distribution chart, TFS Financial ranks #716 out of 1526 companies in the Banks industry, placing it in the top 46.9%.
Is TFS Financial's Net Margin % too high?
TFS Financial's current Net Margin % of 27.27% is near median its 10-year median of 28.13. Over the past 10 years, this metric has ranged from a low of 24.67 to a high of 29.75. The Banks industry median Net Margin % is 26.97. TFS Financial's value of 27.27% is 1.1% above this industry median. Based on the distribution chart, TFS Financial ranks #716 out of 1526 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 Net Margin % compare to IBOC and TCBI?
According to the Banks industry distribution chart, TFS Financial ranks #716 out of 1526 companies for Net Margin %. This puts TFS Financial in the upper half of its industry. The industry median Net Margin % is 26.97. TFS Financial's value of 27.27% is 1.1% above this benchmark. Historically, TFS Financial's own Net Margin % has ranged from 24.67 to 29.75 over the past decade. While the company's 10-year median is 28.13 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TFS Financial's current Net Margin % of 27.27% is 1.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on TFS Financial and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TFS Financial's current Net Margin % is 27.27%, which is near median its own 10-year median of 28.13. 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 Net Margin % is 27.27%, which is near median its 10-year median of 28.13 and 1.1% above the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For TFS Financial (TFSL), the current Net Margin % is 27.27% 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:
Net Margin %: 27.27% (near median its 10-year median of 28.13)
GF Value™: $14.60 vs. price of $17.51 (19.9% above fair value)
Industry Position: 1.1% above the Banks median (#716 of 1526)
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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