TFS Financial Corporation (TFSL) is a Financials stock trading at $17.48 (as of 2026-09-02), with a market capitalization of $4.90B and a trailing P/E of 50.2. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
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.
TFS Financial is a US community bank that lends residential mortgages and home equity loans to consumers, funded by their retail deposits. The spread between loan interest and deposit cost is the entire profit engine, with the mortgage and HELOC pipeline cycling between held-for-investment and sold to Fannie Mae.
Every dollar earned is the spread between what borrowers pay on mortgages and home equity lines and what depositors earn on savings and CDs; where the pipeline lands (held book vs. sold to GSE) sets the portfolio yield.
Business quality (Mixed): A small, spread-funded mortgage bank delivering 5% revenue growth and a 15% operating margin, but the stock trades 340% above the industry P/E, pricing in a growth arc the current numbers have not yet demonstrated.
Valuation: At 57× earnings, TFSL trades 340% above the Banking average (13×).
| Price | $17.48 |
| Market Cap | $4.90B |
| P/E Ratio | 50.2 |
| EV / EBITDA | 33.6 |
| Price / Book | 2.50 |
| Price / Sales | 6.23 |
| FCF Yield | 1.4% |
| DCF Value (model) | $2.90 |
| DCF Upside vs Price | -83.4% |
| Revenue (TTM) | $763.18M |
| Net Margin | 11.9% |
| Revenue Growth (YoY) | 5.6% |
| EPS Growth (YoY) | 37.5% |
| FCF Growth (YoY) | 16.0% |
| Stock P/E | 50.2 |
| Sector P/E (Financials) | 14.9 |
| Industry P/E (Banking) | 12.7 |
| vs Sector | 236.8% |
| vs Industry | 295.7% |
| Top Institutional Holder | VANGUARD GROUP INC ($66.93M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | Marc A. Stefanski |
| Employees | 919 |
| Country | US |
| IPO Date | 2007-04-23 |
Data as of 2026-09-02.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.