TFS FinancialTFSL -0.09%56 PS Ratio is 14.57 as of Jun. 28, 2026, which is 3% above its 10-year median of 14.15. 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 1,519 Banks companies, TFS Financial ranks worse than 98.88% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, TFS Financial's share price is $17.51.
TFS Financial's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $1.20. Hence, TFS Financial's PS Ratio for today is 14.57.
Warning Sign:
TFS Financial Corp stock PS Ratio (=14.57) is close to 3-year high of 14.57.
The historical rank and industry rank for TFS Financial's PS Ratio or its related term are showing as below:
TFSL'
s PS Ratio Range Over the Past 10 Years
Min: 9.99 Med: 14.15 Max: 21.3
Current: 14.57
During the past 13 years, TFS Financial's highest PS Ratio was 21.30. The lowest was 9.99. And the median was 14.15.
TFSL's PS Ratio is ranked worse than 98.88% of 1519
companies
in the Banks industry
Industry Median: 2.98
vs TFSL: 14.57
TFS Financial Corp has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of TFS Financial was 10.30% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 3.20% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 1.70% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 0.70% per year.
During the past 13 years, TFS Financial's highest 3-Year average Revenue per Share Growth Rate was 71.50% per year. The lowest was -1.90% per year. And the median was 1.90% per year.
Back to Basics: PS Ratio
TFS Financial (NAS:TFSL) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
TFS Financial PS Ratio Related Terms
TFS Financial PS Ratio Historical Data
* Premium members only.
The historical data trend for TFS Financial's PS Ratio 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 PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, TFS Financial's PS Ratio distribution charts can be found below:
* The bar in red indicates where TFS Financial's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
TFS Financial's Share Price of today is $17.51. TFS Financial's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.20.
* 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.
It can also be calculated from the numbers for the whole company:
TFS Financial (TFSL) has a PS Ratio of 14.57 as of Jun. 28, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on TFS Financial and its competitors. This is near median its historical median of 14.15. Over the past decade, TFS Financial's PS Ratio has ranged from 9.99 to 21.30. According to the industry distribution chart, TFS Financial ranks #1502 out of 1519 companies in the Banks industry, placing it in the top 98.9%.
Is TFS Financial's PS Ratio too high?
TFS Financial's current PS Ratio of 14.57 is near median its 10-year median of 14.15. Over the past 10 years, this metric has ranged from a low of 9.99 to a high of 21.30. The Banks industry median PS Ratio is 2.98. TFS Financial's value of 14.57 is 388.9% above this industry median. Based on the distribution chart, TFS Financial ranks #1502 out of 1519 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 PS Ratio compare to IBOC and TCBI?
According to the Banks industry distribution chart, TFS Financial ranks #1502 out of 1519 companies for PS Ratio. This places TFS Financial in the lower half of its industry. The industry median PS Ratio is 2.98. TFS Financial's value of 14.57 is 388.9% above this benchmark. Historically, TFS Financial's own PS Ratio has ranged from 9.99 to 21.30 over the past decade. While the company's 10-year median is 14.15 vs. the industry median of 2.98, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.98, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TFS Financial's current PS Ratio of 14.57 is 388.9% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on TFS Financial and its competitors. For the Banks industry, the median PS Ratio is 2.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TFS Financial's current PS Ratio is 14.57, which is near median its own 10-year median of 14.15. 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 PS Ratio is 14.57, which is near median its 10-year median of 14.15 and 388.9% above the Banks industry median of 2.98. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For TFS Financial (TFSL), the current PS Ratio is 14.57 as of Jun. 28, 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:
PS Ratio: 14.57 (near median its 10-year median of 14.15)
GF Value™: $14.61 vs. price of $17.51 (19.8% above fair value)
Industry Position: 388.9% above the Banks median (#1502 of 1519)
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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