TFS FinancialTFSL +2.64%56 OCF Yield % is 1.87 as of Jun. 26, 2026, which is 12% below its 10-year median of 2.12. 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 1,502 Banks companies, TFS Financial ranks worse than 73.37% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
TFS Financial OCF Yield % Related Terms
TFS Financial OCF Yield % Historical Data
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The historical data trend for TFS Financial's OCF Yield % 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 Yield %, along with its competitors' market caps and OCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, TFS Financial's OCF Yield % distribution charts can be found below:
* The bar in red indicates where TFS Financial's OCF Yield % 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 Yield % of 1.87 as of Jun. 26, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on TFS Financial and its competitors. This is 12% below median its historical median of 2.12. Over the past decade, TFS Financial's OCF Yield % has ranged from 0.30 to 4.67. According to the industry distribution chart, TFS Financial ranks #1102 out of 1502 companies in the Banks industry, placing it in the top 73.4%.
Is TFS Financial's OCF Yield % too high?
TFS Financial's current OCF Yield % of 1.87 is 12% below median its 10-year median of 2.12. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 4.67. The Banks industry median OCF Yield % is 9.24. TFS Financial's value of 1.87 is 79.8% below this industry median. Based on the distribution chart, TFS Financial ranks #1102 out of 1502 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 Yield % compare to IBOC and TCBI?
According to the Banks industry distribution chart, TFS Financial ranks #1102 out of 1502 companies for OCF Yield %. This places TFS Financial in the lower half of its industry. The industry median OCF Yield % is 9.24. TFS Financial's value of 1.87 is 79.8% below this benchmark. Historically, TFS Financial's own OCF Yield % has ranged from 0.30 to 4.67 over the past decade. While the company's 10-year median is 2.12 vs. the industry median of 9.24, 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 Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.24, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TFS Financial's current OCF Yield % of 1.87 is 79.8% 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 Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on TFS Financial and its competitors. For the Banks industry, the median OCF Yield % is 9.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TFS Financial's current OCF Yield % is 1.87, which is 12% below median its own 10-year median of 2.12. 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 OCF Yield % is 1.87, which is 12% below median its 10-year median of 2.12 and 79.8% below the Banks industry median of 9.24. 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 Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For TFS Financial (TFSL), the current OCF Yield % is 1.87 as of Jun. 26, 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:
OCF Yield %: 1.87 (12% below median its 10-year median of 2.12)
GF Value™: $14.61 vs. price of $17.51 (19.8% above fair value)
Industry Position: 79.8% below the Banks median (#1102 of 1502)
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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