TFS FinancialTFSL -0.55%56 5-Year Yield-on-Cost % is 6.46 as of Jul. 06, 2026, which is 3% below its 10-year median of 6.66. GuruFocus rates TFSL with a GF Score™ of 56/100 and a GF Value™ of $14.63 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,256 Banks companies, TFS Financial ranks better than 75.56% on this metric.
TFS Financial's yield on cost for the quarter that ended in Mar. 2026 was 6.46.
The historical rank and industry rank for TFS Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
TFSL'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.17 Med: 6.66 Max: 10.38
Current: 6.46
During the past 13 years, TFS Financial's highest Yield on Cost was 10.38. The lowest was 2.17. And the median was 6.66.
TFSL's 5-Year Yield-on-Cost % is ranked better than 75.56% of 1256
companies
in the Banks industry
Industry Median: 3.89
vs TFSL: 6.46
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
TFS Financial 5-Year Yield-on-Cost % Related Terms
TFSL vs IBOC, SFBS, FINN: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, TFS Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, TFS Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where TFS Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of TFS Financial is calculated as
TFS Financial (TFSL) has a 5-Year Yield-on-Cost % of 6.46 as of Jul. 06, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on TFS Financial and its competitors. This is near median its historical median of 6.66. Over the past decade, TFS Financial's 5-Year Yield-on-Cost % has ranged from 2.17 to 10.38. According to the industry distribution chart, TFS Financial ranks #307 out of 1256 companies in the Banks industry, placing it in the top 24.4%.
Is TFS Financial's 5-Year Yield-on-Cost % too high?
TFS Financial's current 5-Year Yield-on-Cost % of 6.46 is near median its 10-year median of 6.66. Over the past 10 years, this metric has ranged from a low of 2.17 to a high of 10.38. The Banks industry median 5-Year Yield-on-Cost % is 3.89. TFS Financial's value of 6.46 is 66.1% above this industry median. Based on the distribution chart, TFS Financial ranks #307 out of 1256 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 5-Year Yield-on-Cost % compare to IBOC and SFBS?
According to the Banks industry distribution chart, TFS Financial ranks #307 out of 1256 companies for 5-Year Yield-on-Cost %. This places TFS Financial in the top 24% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.89. TFS Financial's value of 6.46 is 66.1% above this benchmark. Historically, TFS Financial's own 5-Year Yield-on-Cost % has ranged from 2.17 to 10.38 over the past decade. While the company's 10-year median is 6.66 vs. the industry median of 3.89, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TFS Financial's current 5-Year Yield-on-Cost % of 6.46 is 66.1% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on TFS Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TFS Financial's current 5-Year Yield-on-Cost % is 6.46, which is near median its own 10-year median of 6.66. 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 $14.63, compared to a current price of $17.74 — trading 21.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 6.46, which is near median its 10-year median of 6.66 and 66.1% above the Banks industry median of 3.89. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For TFS Financial (TFSL), the current 5-Year Yield-on-Cost % is 6.46 as of Jul. 06, 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 $17.74 is trading 21.3% above its estimated GF Value™ of $14.63.
GuruFocus considers TFS Financial to be Modestly Overvalued.
Key valuation signals for TFSL:
5-Year Yield-on-Cost %: 6.46 (near median its 10-year median of 6.66)
GF Value™: $14.63 vs. price of $17.74 (21.3% above fair value)
Industry Position: 66.1% above the Banks median (#307 of 1256)
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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