TFS FinancialTFSL +2.64%56 Pretax Margin % is 35.01% as of Mar. 2026, which is 1% below its 10-year median of 35.28. 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 50.79% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. TFS Financial's Pre-Tax Income for the
three
months ended in Mar. 2026 was $29.8 Mil. TFS Financial's Revenue for the
three
months ended in Mar. 2026 was $85.2 Mil. Therefore, TFS Financial's pretax margin for the quarter that ended in Mar. 2026 was 35.01%.
The historical rank and industry rank for TFS Financial's Pretax Margin % or its related term are showing as below:
TFSL'
s Pretax Margin % Range Over the Past 10 Years
Min: 30.61 Med: 35.28 Max: 44.63
Current: 35.11
TFSL's Pretax Margin % is ranked better than 50.79% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs TFSL: 35.11
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
TFS Financial Pretax Margin % Related Terms
TFS Financial Pretax Margin % Historical Data
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The historical data trend for TFS Financial's Pretax 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.
TFSL vs IBOC, TCBI, SFBS: Pretax Margin % Comparison
For the Banks - Regional subindustry, TFS Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, TFS Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where TFS Financial's Pretax 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 Pretax Margin % of 35.01% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on TFS Financial and its competitors. This is near median its historical median of 35.28. Over the past decade, TFS Financial's Pretax Margin % has ranged from 30.61 to 44.63. According to the industry distribution chart, TFS Financial ranks #751 out of 1526 companies in the Banks industry, placing it in the top 49.2%.
Is TFS Financial's Pretax Margin % too high?
TFS Financial's current Pretax Margin % of 35.01% is near median its 10-year median of 35.28. Over the past 10 years, this metric has ranged from a low of 30.61 to a high of 44.63. The Banks industry median Pretax Margin % is 34.89. TFS Financial's value of 35.01% is 0.4% above this industry median. Based on the distribution chart, TFS Financial ranks #751 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 Pretax Margin % compare to IBOC and TCBI?
According to the Banks industry distribution chart, TFS Financial ranks #751 out of 1526 companies for Pretax Margin %. This puts TFS Financial in the upper half of its industry. The industry median Pretax Margin % is 34.89. TFS Financial's value of 35.01% is 0.4% above this benchmark. Historically, TFS Financial's own Pretax Margin % has ranged from 30.61 to 44.63 over the past decade. While the company's 10-year median is 35.28 vs. the industry median of 34.89, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TFS Financial's current Pretax Margin % of 35.01% is 0.4% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on TFS Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TFS Financial's current Pretax Margin % is 35.01%, which is near median its own 10-year median of 35.28. 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 Pretax Margin % is 35.01%, which is near median its 10-year median of 35.28 and 0.4% above the Banks industry median of 34.89. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For TFS Financial (TFSL), the current Pretax Margin % is 35.01% 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:
Pretax Margin %: 35.01% (near median its 10-year median of 35.28)
GF Value™: $14.60 vs. price of $17.51 (19.9% above fair value)
Industry Position: 0.4% above the Banks median (#751 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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