TFS Financial Corporation(TFSL) Stock Research - Grey Stern Research
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TFS Financial Corporation (TFSL) Stock Analysis

$13.50 (-0.52%)

TFSL Financial Performance


Use the table below to view TFS Financial Corporation's financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q3 - 2024

Metric Value Ranking among Peers
Price $13.50 -
52 Week Low $11.70 -
52 Week High $15.25 -
Market Cap $3.8 Billion 1/21
Gross Margin 100% 1/21
Profit Margin 9% 16/21
EBITDA margin 12% 16/21
Q3 - 2024 Revenue $194.9 Million 4/21
Q3 - 2024 Earnings $18.2 Million 8/21
Q3 - 2024 Free Cash Flow $0 Million 4/21
Trailing 4 Quarters Revenue $752.3 Million 5/21
Trailing 4 Quarters Earnings $79.2 Million 6/21
Quarterly Earnings Growth -7% 7/21
Annual Earnings Growth 10% 2/21
Quarterly Revenue Growth 158% 1/21
Annual Revenue Growth 151% 1/21
Cash On Hand $0 10/21
Short Term Debt $0 6/21
Long Term Debt $4.8 Billion 1/21

TFS Financial Corporation Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare TFS Financial Corporation's metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 47.82 2/21
PS 5.04 2/21
PB 2.03 2/21
PC -1.00 10/21
Liabilities to Equity 8.18 7/21
ROA 0.00 14/21
ROE 0.04 13/21
Current Ratio 1.12 11/21
Quick Ratio 0.00 5/21
Long Term Debt to Equity 2.57 2/21
Debt to Equity 2.57 2/21
Burn Rate 0.00 6/21
Cash to Cap 0.00 7/21
CCR 4/21
EV to EBITDA 372.32 4/21
EV to Revenue 11.41 1/21

Company Details

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. Its deposit products include savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. The company also provides residential real estate mortgage loans, residential construction loans, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, it offers escrow and settlement services. The company provides its products and services through its main office in Cleveland, Ohio; and 37 full-service branches and 7 loan production offices located throughout the states of Ohio and Florida. The company was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

CEO: Mr. Marc Stefanski

Website: https://www.thirdfederal.com

Address: 7007 Broadway Ave CLEVELAND, OHIO

Exchange: NASDAQ Global Select

Industry: Banks—Regional

TFS Financial Corporation Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to TFS Financial Corporation. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
National Bank Holdings Corporation NBHC $1.8 Billion
First Hawaiian, Inc. FHB $3.5 Billion
Brookline Bancorp, Inc. BRKL $1.1 Billion
WSFS Financial Corporation WSFS $3.5 Billion
Heritage Financial Corporation HFWA $892.1 Million
Berkshire Hills Bancorp, Inc. BHLB $1.3 Billion
Bank of Hawaii Corporation BOH $3.0 Billion
Central Pacific Financial Corp. CPF $860.1 Million
Waterstone Financial, Inc. WSBF $288.9 Million
Heritage Commerce Corp HTBK $644.9 Million
Independent Bank Corp. INDB $3.0 Billion
Peapack-Gladstone Financial Corporation PGC $639.9 Million
Northfield Bancorp, Inc. (Staten Island, NY) NFBK $564.6 Million
Bankwell Financial Group, Inc. BWFG $259.5 Million
HarborOne Bancorp, Inc. HONE $572.7 Million
Territorial Bancorp Inc. TBNK $94.3 Million
Cambridge Bancorp CATC $0
Parke Bancorp, Inc. PKBK $273.9 Million
Richmond Mutual Bancorporation, Inc. RMBI $161.2 Million
William Penn Bancorporation WMPN $118.9 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
TFSL Income Statements
Quarter Year Revenue Earnings
Q4 2024 $ 194.9 Million $18.2 Million
Q3 2024 $ 191.0 Million $19.6 Million
Q2 2024 $ 189.2 Million $20.7 Million
Q1 2024 $ 177.2 Million $20.7 Million
Q4 2023 $ 75.5 Million $19.5 Million
Q3 2023 $ 74.6 Million $17.6 Million
Q2 2023 $ 74.6 Million $15.9 Million
Q1 2023 $ 80.3 Million $22.2 Million

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TFSL Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q4 2024 $0 $17.1 Billion $4.8 Billion $1.9 Billion
Q3 2024 $560.4 Million $17.0 Billion $4.8 Billion $1.9 Billion
Q2 2024 $594.3 Million $17.0 Billion $4.9 Billion $1.9 Billion
Q1 2024 $45.9 Million $17.1 Billion $0 $1.9 Billion
Q4 2023 $466.7 Million $16.9 Billion $5.3 Billion $1.9 Billion
Q3 2023 $436.2 Million $16.6 Billion $5.5 Billion $1.9 Billion
Q2 2023 $421.1 Million $16.3 Billion $5.2 Billion $1.8 Billion
Q1 2023 $443.6 Million $16.1 Billion $5.0 Billion $1.8 Billion

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TFSL Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q3 2024 $111.1 Million -$834,000 $0
Q2 2024 $21.1 Million -$812,000 $0
Q1 2024 $36.3 Million $0 $85.0 Million
Q4 2023 $12.8 Million -$1.1 Million $30.5 Million
Q3 2023 $17.6 Million $0 $17.6 Million
Q2 2023 -$36.2 Million -$500,000 -$22.5 Million
Q1 2023 $76.8 Million -$2.0 Million $74.0 Million
Q4 2022 -$13.4 Million -$1.2 Million -$18.0 Million

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