TFSL (TFS Financial) Tariff Resilience Score: 8/10 (As of Jun. 28, 2026)


TFSL TFS Financial Corp TFSL
56 GF Score
Price $17.51
GF Value $14.61
Valuation Modestly Overvalued
! 7 Warning Signs
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What is TFS Financial Tariff Resilience Score?

TFS Financial TFSL -0.09% 56 Tariff Resilience Score is 8 as of Jun. 28, 2026. 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 1,610 Banks companies, TFS Financial ranks better than 78.76% on this metric.

TFS Financial has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

TFS Financial has As a financial institution, it has minimal direct exposure to tariffs. No significant import/export activities and limited global supply chain dependencies. Historical tariff changes have had little impact. Strong domestic focus enhances resilience.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes TFS Financial might have Highly Resilient.

TFS Financial  (NAS:TFSL) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

TFS Financial Tariff Resilience Score Related Terms

TFSL vs IBOC, TCBI, SFBS: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, TFS Financial's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, TFS Financial's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where TFS Financial's Tariff Resilience Score falls into.


TFSL
56GF Score
TFS Financial Corp TFSL
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
TFS Financial (TFSL) has a Tariff Resilience Score of 8 as of Jun. 28, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, TFS Financial ranks #342 out of 1610 companies in the Banks industry, placing it in the top 21.2%.
Is TFS Financial's Tariff Resilience Score too high?
TFS Financial's current Tariff Resilience Score is 8. Based on the distribution chart, TFS Financial ranks #342 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position 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 Tariff Resilience Score compare to IBOC and TCBI?
According to the Banks industry distribution chart, TFS Financial ranks #342 out of 1610 companies for Tariff Resilience Score. This places TFS Financial in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. TFS Financial's current Tariff Resilience Score is 8. 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 Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For TFS Financial (TFSL), the current Tariff Resilience Score is 8 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:

  • Tariff Resilience Score: 8
  • GF Value™: $14.61 vs. price of $17.51 (19.8% 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

Get the complete analysis for TFSL

Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.51
Price
$14.61
GF Value