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TFS Financial Corporation

Financial Services US TFSL

16.33USD
0.47(2.96%)

Last update at 2026-06-04T20:08:00Z

Day Range

15.9916.39
LowHigh

52 Week Range

10.5114.92
LowHigh

Fundamentals

  • Previous Close 15.86
  • Market Cap3579.07M
  • Volume1207547
  • P/E Ratio45.54
  • Dividend Yield8.74%
  • Revenue TTM304.09M
  • Revenue Per Share TTM1.09
  • Gross Profit TTM 290.20M
  • Diluted EPS TTM0.28

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Type yearly yearly yearly yearly yearly
Date 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Income before tax 93.37M 92.05M 100.09M 100.25M 102.21M
Minority interest - - - - -
Net income 75.25M 74.56M 81.01M 83.32M 80.24M
Selling general administrative 126.24M 118.70M 117.95M 114.63M 114.42M
Selling and marketing expenses 25.29M 21.26M 19.17M 16.51M 19.36M
Gross profit 305.00M 291.20M 286.93M 295.52M 285.88M
Reconciled depreciation - 27.04M 32.57M 32.82M 22.95M
Ebit - 233.99M 100.09M 100.25M 102.21M
Ebitda 93.37M 261.03M 132.66M 133.06M 125.16M
Depreciation and amortization - 27.04M 32.57M 32.82M 22.95M
Non operating income net other - - - - -
Operating income 93.37M 233.99M 100.09M 100.25M 102.21M
Other operating expenses 211.63M 57.21M 186.84M 195.27M 183.67M
Interest expense 328.35M 141.94M 157.72M 213.03M 216.67M
Tax provision 18.12M 17.49M 19.09M 16.93M 21.98M
Interest income 611.92M 409.33M 389.35M 455.30M 482.09M
Net interest income 283.57M 267.40M 231.63M 242.27M 265.42M
Extraordinary items - - - - -0.04400M
Non recurring - - - - -
Other items - - - - -
Income tax expense 18.12M 17.49M 19.09M 16.93M 21.98M
Total revenue 305.00M 291.20M 286.93M 295.52M 285.88M
Total operating expenses -211.62900M -57.20900M -186.83500M -195.27400M -183.67300M
Cost of revenue - - - - -
Total other income expense net - -141.93700M -157.72100M -213.03000M -216.66600M
Discontinued operations - - - - -
Net income from continuing ops 75.25M 74.56M 81.01M 117.17M 80.24M
Net income applicable to common shares - 74.56M 81.01M 83.32M 78.72M
Preferred stock and other adjustments - - - - -
Breakdown 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Type yearly yearly yearly yearly yearly
Date 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Total assets 16917.73M 15790.20M 14057.45M 14642.22M 14542.36M
Intangible assets 7.40M 7.94M 8.94M 7.86M 8.08M
Earning assets - - - - 896.85M
Other current assets - 49.92M 12648.09M 13151.22M 13061.01M
Total liab 5273.64M 13945.86M 12325.17M 12970.37M 12845.60M
Total stockholder equity 1927.36M 1844.34M 1732.28M 1671.85M 1696.75M
Deferred long term liab - - - - -
Other current liab - -2.23700M -1.85200M -3.06800M -3.71300M
Common stock 3.32M 3.32M 3.32M 3.32M 3.32M
Capital stock 3.32M 3.32M 3.32M 3.32M 3.32M
Retained earnings 886.98M 870.05M 853.66M 865.51M 837.66M
Other liab - 117.25M 109.63M 111.54M 103.33M
Good will - - - - 9.73M
Other assets 15338.31M 14422.09M 12648.09M 13151.22M 13061.01M
Cash 466.75M 369.56M 488.33M 498.03M 275.14M
Cash and equivalents - - - - -
Total current liabilities - 2.24M 1.85M 3.07M 3.71M
Current deferred revenue - - - - -
Net debt 4806.89M 4423.66M 2603.49M 3023.71M 3627.84M
Short term debt - - - - 337.62M
Short long term debt - - - - 337.62M
Short long term debt total 5273.64M 4793.22M 3091.82M 3521.74M 3902.98M
Other stockholder equity 951.84M 947.82M 943.10M 934.98M 925.15M
Property plant equipment - 34.53M 37.42M 41.78M 61.58M
Total current assets 1028.98M 867.73M 941.22M 988.11M 863.83M
Long term investments 508.32M 457.91M 421.78M 13139.93M 547.86M
Net tangible assets - 1844.34M 1732.28M 1671.85M 1687.02M
Short term investments 508.32M 457.91M 421.78M 453.44M 547.86M
Net receivables 53.91M 40.26M 31.11M 36.63M 40.82M
Long term debt 5273.64M 4793.22M 3091.82M 3520.07M 3895.18M
Inventory - 1.19M 0.29M 0.18M 2.16M
Accounts payable - 2.24M 1.85M 3.07M 3.71M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 85.21M 23.15M -67.80100M -131.96500M -69.37900M
Additional paid in capital - - - - -
Common stock total equity - 3.32M 3.32M 3.32M 3.32M
Preferred stock total equity - - - - -
Retained earnings total equity - 870.05M 853.66M 865.51M -
Treasury stock - -771.98600M -768.03500M -767.64900M -764.58900M
Accumulated amortization - - - - -
Non currrent assets other -0.20000M -0.29600M -0.28500M -0.48900M -2.60300M
Deferred long term asset charges - - - - -
Non current assets total 550.43M 500.38M 468.14M 502.89M 617.52M
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Type yearly yearly yearly yearly yearly
Date 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Investments -1119.08600M -86.45400M 19.60M 4377.84M -341.98200M
Change to liabilities - -1.15500M 14.90M 24.92M 0.00000M
Total cashflows from investing activities - -1875.09500M 547.36M 147.58M -341.98200M
Net borrowings - 1684.79M -434.10800M -381.23600M 182.70M
Total cash from financing activities -58.95200M 1717.40M -640.21800M -46.48400M 244.35M
Change to operating activities - -9.58700M 6.92M 18.63M -6.47200M
Net income 75.25M 74.56M 81.01M 83.32M 80.24M
Change in cash 0.08M -118.76200M -9.70700M 222.89M 5.37M
Begin period cash flow 1.34M 488.33M 498.03M 275.14M 269.77M
End period cash flow 1.42M 369.56M 488.33M 498.03M 275.14M
Total cash from operating activities 46.57M 38.93M 83.16M 121.80M 103.00M
Issuance of capital stock - - - - -
Depreciation 19.61M 27.04M 32.57M 32.82M 22.95M
Other cashflows from investing activities - -48.22900M -92.81200M -4227.06000M -7.57800M
Dividends paid 58.29M 58.30M 56.64M 55.47M 50.47M
Change to inventory - - - - -
Change to account receivables -16.66000M -13.04300M 7.70M -17.97000M -13.20200M
Sale purchase of stock -5.88400M -6.29000M 0.00100M -0.41300M -9.08700M
Other cashflows from financing activities -0.65800M 1785.64M -578.89200M -66.63300M -150.64400M
Change to netincome - -40.04100M -45.04200M 5.00M 19.49M
Capital expenditures 5.25M 2.70M 1.34M 3.21M 3.78M
Change receivables - -13.04300M 7.70M -17.97000M -
Cash flows other operating - -8.43200M -7.97900M -6.28900M -
Exchange rate changes - - - - -
Cash and cash equivalents changes - -118.76200M -9.70700M 222.89M -
Change in working capital 12.51M -22.63000M 14.62M 0.66M -13.48200M
Stock based compensation 1.86M 11.01M 13.71M 12.12M 11.78M
Other non cash items -30.63000M -24.17400M -44.50400M -28.92100M -20.42000M
Free cash flow 46.57M 36.23M 81.82M 118.59M 99.22M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
TFSL
TFS Financial Corporation		 0.47 2.96% 16.33 45.54 - 11.16 1.80
HDB
HDFC Bank Limited ADR		 0.48 2.04% 24.03 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.04 0.15% 30.44 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 1.22 2.50% 50.10 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

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 multiple full-service branches and loan production offices located throughout the states of Ohio and Florida. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation is a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

TFS Financial Corporation

7007 Broadway Avenue, Cleveland, OH, United States, 44105

Key Executives

Name Title Year Born
Mr. Marc A. Stefanski Chairman, Pres & CEO 1954
Ms. Meredith S. Weil COO & Director 1967
Ms. Cathy W. Zbanek Chief Synergy Officer and HR Officer of Third Federal Savings & Loan Association of Cleveland 1973
Mr. Timothy W. Mulhern Chief Financial Officer 1967
Ms. Susanne Noel Miller Chief Accounting Officer 1966
Ms. Kathleen Mary Danckers Chief Risk Officer & Chief Information Security Officer 1962
Mr. Andrew James Rubino Chief Information Officer of Third Federal Savings and Loan Association of Cleveland 1975
Mr. Russell C. Holmes Chief Retail Officer of Third Federal Savings and Loan Association of Cleveland 1963
Mr. Bradley T. Stefanski Chief Strategy Officer of Third Federal Savings and Loan Association of Cleveland 1988
Mr. Gavin B. Stefanski Chief Lending Officer of Third Federal Savings and Loan Association of Cleveland 1988

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