Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
12-1 Month Momentum % is the total return of the stock from 12-month ago to 1-month ago. As of today (2026-08-04), TFS Financial's 12-1 Month Momentum % is 39.05%.
The industry rank for TFS Financial's 12-1 Month Momentum % or its related term are showing as below:
TFSL's 12-1 Month Momentum % is ranked better than 71.38% of 1597
companies
in the Banks industry
Industry Median: 21.9
vs TFSL: 39.05
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 12-1 Month Momentum % measures the total return to a stock over the past twelve months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
TFS Financial 12-1 Month Momentum % Related Terms
TFSL vs FINN, FFIN, EBC: 12-1 Month Momentum % Comparison
For the Banks - Regional subindustry, TFS Financial's 12-1 Month Momentum %, along with its competitors' market caps and 12-1 Month Momentum % 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 12-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, TFS Financial's 12-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where TFS Financial's 12-1 Month Momentum % 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 12-1 Month Momentum % of 39.05% as of Aug. 04, 2026. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on TFS Financial and its competitors. According to the industry distribution chart, TFS Financial ranks #457 out of 1597 companies in the Banks industry, placing it in the top 28.6%.
Is TFS Financial's 12-1 Month Momentum % too high?
TFS Financial's current 12-1 Month Momentum % is 39.05%. The Banks industry median 12-1 Month Momentum % is 21.90. TFS Financial's value of 39.05% is 78.3% above this industry median. Based on the distribution chart, TFS Financial ranks #457 out of 1597 companies in the Banks industry, which is above the industry midpoint. Overall, TFS Financial has a GF Score™ of 54/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does TFS Financial's 12-1 Month Momentum % compare to FINN and FFIN?
According to the Banks industry distribution chart, TFS Financial ranks #457 out of 1597 companies for 12-1 Month Momentum %. This puts TFS Financial in the upper half of its industry. The industry median 12-1 Month Momentum % is 21.90. TFS Financial's value of 39.05% is 78.3% 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 12-1 Month Momentum % for a Banks company?
The median 12-1 Month Momentum % among Banks companies is 21.90, based on 1,597 companies in the industry. Companies in the top quartile (top 25%) have a 12-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 12-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TFS Financial's current 12-1 Month Momentum % of 39.05% is 78.3% 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 12-1 Month Momentum % mean?
A high 12-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on TFS Financial and its competitors. For the Banks industry, the median 12-1 Month Momentum % is 21.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TFS Financial's current 12-1 Month Momentum % is 39.05%. 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 $14.69, compared to a current price of $18.74 — trading 27.6% above its estimated fair value. The current 12-1 Month Momentum % is 39.05% and 78.3% above the Banks industry median of 21.90. TFS Financial's overall GF Score™ is 54/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 12-1 Month Momentum % calculated?
12-1 Month Momentum % is calculated from a company's financial statements. For TFS Financial (TFSL), the current 12-1 Month Momentum % is 39.05% as of Aug. 04, 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 $18.74 is trading 27.6% above its estimated GF Value™ of $14.69.
GuruFocus considers TFS Financial to be Modestly Overvalued.
Key valuation signals for TFSL:
12-1 Month Momentum %: 39.05%
GF Value™: $14.69 vs. price of $18.74 (27.6% above fair value)
Industry Position: 78.3% above the Banks median (#457 of 1597)
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.
54GF Score
Get the complete analysis for TFSL
12-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TFSL has been successfully added to your 
