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TFS FinancialTFSL -2.13%56 3-Year Share Buyback Ratio is 0.00 as of Mar. 2026. GuruFocus rates TFSL with a GF Score™ of 56/100 and a GF Value™ of $14.74 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,040 Banks companies, TFS Financial ranks worse than 96153.75% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. TFS Financial's current 3-Year Share Buyback Ratio was 0.00%.
The historical rank and industry rank for TFS Financial's 3-Year Share Buyback Ratio or its related term are showing as below:
During the past 13 years, TFS Financial's highest 3-Year Share Buyback Ratio was 2.80%. The lowest was -0.10%. And the median was 0.30%.
TFSL's 3-Year Share Buyback Ratio is not ranked *
in the Banks industry.
Industry Median: -0.2 * Ranked among companies with meaningful 3-Year Share Buyback Ratio only.
TFS Financial (NAS:TFSL) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
TFS Financial 3-Year Share Buyback Ratio Related Terms
TFSL vs FINN, FFIN, EBC: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, TFS Financial's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback 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 3-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, TFS Financial's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where TFS Financial's 3-Year Share Buyback Ratio falls into.
TFS Financial 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 0.00 mean?
TFS Financial (TFSL) has a 3-Year Share Buyback Ratio of 0.00 as of Mar. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for TFS Financial and its competitors. According to the industry distribution chart, TFS Financial ranks #999999 out of 1040 companies in the Banks industry.
Is TFS Financial's 3-Year Share Buyback Ratio too high?
TFS Financial's current 3-Year Share Buyback Ratio is 0.00. Based on the distribution chart, TFS Financial ranks #999999 out of 1040 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 3-Year Share Buyback Ratio compare to FINN and FFIN?
According to the Banks industry distribution chart, TFS Financial ranks #999999 out of 1040 companies for 3-Year Share Buyback Ratio. This places TFS Financial in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for TFS Financial and its competitors. TFS Financial's current 3-Year Share Buyback Ratio is 0.00. 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 $14.74, compared to a current price of $17.94 — trading 21.7% above its estimated fair value. The current 3-Year Share Buyback Ratio is 0.00. 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 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For TFS Financial (TFSL), the current 3-Year Share Buyback Ratio is 0.00 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 $17.94 is trading 21.7% above its estimated GF Value™ of $14.74.
GuruFocus considers TFS Financial to be Modestly Overvalued.
Key valuation signals for TFSL:
3-Year Share Buyback Ratio: 0.00
GF Value™: $14.74 vs. price of $17.94 (21.7% above fair value)
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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3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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