QualityDipStocks / Finance · Savings Institutions
TFS Financial TFSL
Outside our quality screen, so we don’t track its dips. It’s 11% below its 52-week high.
Outside our quality screen. No fair value estimate for now: our model doesn’t fit it reliably.
- Fair value est.
- n/a
- Market Value
- forming
- Off 52-wk high
- −11%
- Risk vs market
- Lowbeta 0.50
2 bullish · 5 bearish See why
Repriced or dip?
Dip: business intact
The price is 11% below its 52-week high (Aug 4), but the business held up: earnings per share +9.6%, shares outstanding more shares, each owns less, revenue growth rate 0.0 pts.
Some numbers held up (earnings per share +9.6%, shares outstanding more shares, each owns less, revenue growth rate 0.0 pts), others slipped. The price is 11% below its 52-week high.
The price is 11% below its 52-week high, and the business changed too.
Within 10% of its 52-week high, so there is no dip to judge yet.
The evidence 7 numbers, high vs now
- Revenue, last 12 months$336M → $344M (+2.1%)held up
- Revenue growth rate+10.5% → +10.5% a year (0.0 pts)held up
- Earnings per share, 12 months$0.33 → $0.36 (+9.6%)held up
- Shares outstanding+0.2% (more shares, each owns less)held up
- Stock vs its sector (Finance)stock −11%, sector median −5% since Aug 4held up
- Price fall vs business numbersprice −11%, revenue/EPS/FCF median +6% (shown, not scored)
- Valuation multipleP/E 56.9× at the high → 46.1× now (shown, not scored)
Business numbers as reported at the high (12 months to Mar 31, 2026) vs the latest filing (12 months to Jun 30, 2026). Each measure is scored from −1 (business changed) to +1 (business intact) and weighted: revenue, earnings per share, free cash flow, operating margin, revenue growth rate, share count, net cash and the move vs its sector. 60 or more reads as a dip, 40 or less as a repricing. Analyst estimates are not in our data, so they are not used. How to read it
Data-based read, not advice.
Priced in
How much growth the market assumed at the 52-week high, the low and today (a reverse DCF).
52-wk high: P/E 56.9×; 52-wk low: P/E 45.5×; now: P/E 46.1×.
| High | Low | Now | |
|---|---|---|---|
| Price | $18.61Aug 4 | $13.29Nov 17 | $16.52 |
| P/E | 56.9× | 45.5× | 46.1× |
What this means: a lower P/E than at the high means you pay less for each dollar of profit than buyers did then.
How it’s computed
Banks, insurers and lenders: cash flow includes deposits and loans, so a cash-flow model doesn't fit; we show P/E at each point instead. P/E = that day's close × diluted shares / 12-month net income, using only the filings that were public on that day.
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
Estimate unreliable for TFSL: the book-value model gives 76% below the price, more than we can stand behind for a financial company. We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much TFSL moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Moves much less than the market, but its own price swings are 1.7× the S&P 500’s (it moves on its own news).
- Beta vs S&P 500
- 0.50
- Volatility
- 22% vs 13% SPY
- Correlation SPY
- 0.29
- Correlation QQQ
- 0.15
Valuation details
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 2 of 5
GrowthSales grew 10% to $344M over the last 12 months vs the 12 months before (SEC filings).
ProfitabilityNet margin of 29%, above the 22% median for the 281 Finance companies we cover.
Top bearish points 5 of 5
ValuationP/E of 46.1× vs a 13.6× median for the 291 Finance companies we cover.
ProfitabilityReturn on equity is only 5% over the last 12 months.
GrowthSales grew 3.4% a year over the last three fiscal years, below the 9.2% median for the 286 Finance companies we cover.
ValuationPrice / book of 2.4×, above the 1.7× median for the 296 Finance companies we cover.
QualityDoesn’t pass our quality screen: ROE under 12% and ROIC under 10%.
All fundamentals
P/E 46.1 · ROE 5% · Sales +10%
Valuation
- P/E
- 46.1×Finance median 13.6×
- Price / FCF
- n/acash flow isn't a clean measure for a bank
- FCF yield
- n/acash flow isn't a clean measure for a bank
- EV / EBITDA
- n/anot meaningful for a bank
- Price / sales
- 13.48×
- Price / book
- 2.37×
- Market cap
- $4.6Bprice × diluted shares
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $344Mnet interest income + noninterest income
- Sales growth, 12 months
- +10.5%vs the 12 months before
- Sales growth, 3 yrs
- +3.4%/yrfrom FY2022
- Diluted EPS, 12 months
- $0.36
- EPS growth, last FY
- +14.3%
- Net income, 12 months
- $101M
- Net income growth
- +23%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for a bank
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- 29.3%
- FCF margin
- 25.1%
- Return on equity
- 5%
- Return on invested capital
- n/anot meaningful for a bank
Balance sheet
- Cash & short-term inv.
- $569M
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a bank
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a bank
- Interest coverage
- n/anot meaningful for a bank
Cash flow & returns
- Free cash flow, 12 months
- $86M
- FCF growth, 12 months
- +248%
- Dividend yield
- 1.29%$60M paid
- Payout ratio
- 59%
- Buybacks, 12 months
- $9M0.2% of market cap
- Share count, 1 year
- +0.1%diluted shares vs a year ago
- Stock-based comp
- $12M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From TFS Financial’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
FCF $0.1B · Sales +8%
- Free cash flow, 12 months$0.1B
- Free-cash-flow yield2.0%
- Return on equity5%
- Sales growth (latest quarter vs year-ago quarter)+8%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $16.52
- 52-wk lowlowest close, 1 year$13.29−19.6%
- PriceMon Nov 2 close$16.52you are here
- 52-wk highhighest close, 1 year$18.61+12.7%
Momentum & 52-week range
RSI 49 · 5 days −1.0%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
TFSL is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on TFS Financial in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 1:01 PM ET.
Compare with peers
Closest in size in Savings Institutions
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.