TFSL (TFS Financial) ROC (Joel Greenblatt) %: % (As of Mar. 2026)


TFSL TFS Financial Corp TFSL
56 GF Score
Price $17.84
GF Value $14.62
Valuation Modestly Overvalued
! 7 Warning Signs
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What is TFS Financial ROC (Joel Greenblatt) %?

TFS Financial TFSL -0.22% 56 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates TFSL with a GF Score™ of 56/100 and a GF Value™ of $14.62 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 47 Banks companies, TFS Financial ranks worse than 2127657.45% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

TFSL
56GF Score
TFS Financial Corp TFSL
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
TFS Financial (TFSL) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on TFS Financial and its competitors. According to the industry distribution chart, TFS Financial ranks #999999 out of 47 companies in the Banks industry.
Is TFS Financial's ROC (Joel Greenblatt) % too high?
TFS Financial's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, TFS Financial ranks #999999 out of 47 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 ROC (Joel Greenblatt) % compare to IBOC and SFBS?
According to the Banks industry distribution chart, TFS Financial ranks #999999 out of 47 companies for ROC (Joel Greenblatt) %. This places TFS Financial in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 71.07. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 71.07, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on TFS Financial and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 71.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TFS Financial's current ROC (Joel Greenblatt) % is %. 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 $14.62, compared to a current price of $17.84 — trading 22% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For TFS Financial (TFSL), the current ROC (Joel Greenblatt) % is % 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 $17.84 is trading 22% above its estimated GF Value™ of $14.62. GuruFocus considers TFS Financial to be Modestly Overvalued.

Key valuation signals for TFSL:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $14.62 vs. price of $17.84 (22% above fair value)
  • GF Score™: 56/100 with 7 warning signs

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 Business Description

Other Exchanges PWT:Germany
Address 7007 Broadway Avenue, Cleveland, OH, USA, 44105
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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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.84
Price
$14.62
GF Value