TFS FinancialTFSL +2.64%56 OCF Margin % is 20.69% as of Mar. 2026, which is 30% below its 10-year median of 29.49. 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 1,500 Banks companies, TFS Financial ranks worse than 54.47% on this metric.
The historical rank and industry rank for TFS Financial's OCF Margin % or its related term are showing as below:
TFSL'
s OCF Margin % Range Over the Past 10 Years
Min: 13.37 Med: 29.49 Max: 41.21
Current: 27.35
During the past 13 years, the highest OCF Margin % of TFS Financial was 41.21%. The lowest was 13.37%. And the median was 29.49%.
TFSL's OCF Margin % is ranked worse than 54.47% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs TFSL: 27.35
TFS Financial OCF Margin % Related Terms
TFS Financial OCF Margin % Historical Data
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The historical data trend for TFS Financial's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, TFS Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where TFS Financial's OCF 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 OCF Margin % of 20.69% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on TFS Financial and its competitors. This is 30% below median its historical median of 29.49. Over the past decade, TFS Financial's OCF Margin % has ranged from 13.37 to 41.21. According to the industry distribution chart, TFS Financial ranks #817 out of 1500 companies in the Banks industry, placing it in the top 54.5%.
Is TFS Financial's OCF Margin % too high?
TFS Financial's current OCF Margin % of 20.69% is 30% below median its 10-year median of 29.49. Over the past 10 years, this metric has ranged from a low of 13.37 to a high of 41.21. The Banks industry median OCF Margin % is 29.44. TFS Financial's value of 20.69% is 29.7% below this industry median. Based on the distribution chart, TFS Financial ranks #817 out of 1500 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 OCF Margin % compare to IBOC and TCBI?
According to the Banks industry distribution chart, TFS Financial ranks #817 out of 1500 companies for OCF Margin %. This places TFS Financial in the lower half of its industry. The industry median OCF Margin % is 29.44. TFS Financial's value of 20.69% is 29.7% below this benchmark. Historically, TFS Financial's own OCF Margin % has ranged from 13.37 to 41.21 over the past decade. While the company's 10-year median is 29.49 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TFS Financial's current OCF Margin % of 20.69% is 29.7% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on TFS Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TFS Financial's current OCF Margin % is 20.69%, which is 30% below median its own 10-year median of 29.49. 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 OCF Margin % is 20.69%, which is 30% below median its 10-year median of 29.49 and 29.7% below the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For TFS Financial (TFSL), the current OCF Margin % is 20.69% 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:
OCF Margin %: 20.69% (30% below median its 10-year median of 29.49)
GF Value™: $14.60 vs. price of $17.51 (19.9% above fair value)
Industry Position: 29.7% below the Banks median (#817 of 1500)
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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