TFS Financial CORP (TFSL) stock
TFSLNasdaqSavings Institution, Federally CharteredFiscal year ends September 30
Financials through Q3 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026Score 13/3050% above fair value
$16.38+0.00 (0.00%)
Close on Nov 13, 2026Market cap $4.59BP/E 45.5Yield 6.90%
TFS Financial statistics
91 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 28, 2027 (estimated, during market hours)
- Last ex-dividend date
- Sep 9, 2026
- Fundamentals through
- Jun 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 2.35
- 1.52
- P/OCF Ratio
- 46.97
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 11.71
- 2.95
- EV / FCF
- 46.65
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 0.12%
- 0.33%
- Shares Change (QoQ)
- -0.01%
- 0.00%
- Float
- 279M
- 17M
- Shares Held by Insiders
- 0.45%
- 6.05%
- Shares Held by Institutions
- 13.7%
- 61.3%
Short sellingIndustry
- Short Interest
- 10M
- –
- Short Interest Change
- 4.68%
- -4.13%
- Short % of Float
- 3.74%
- 3.58%
- Short % of Shares Outstanding
- 3.73%
- 3.18%
- Days to Cover
- 15.12
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $19.49
- –
- 52-Week Low
- $13.21
- –
- 20-Day Moving Average
- $16.51
- –
- 50-Day Moving Average
- $16.59
- –
- 200-Day Moving Average
- $16.06
- –
- Average True Range (14)
- $0.31
- –
- Price Change (1 Week)
- -0.30%
- 0.69%
- Price Change (1 Month)
- 0.31%
- 3.79%
- Price Change (3 Months)
- -6.43%
- -2.72%
- Price Change (6 Months)
- 6.99%
- 12.2%
- Price Change (YTD)
- 22.4%
- 19.9%
- Price Change (1 Year)
- 19.0%
- 25.7%
- Price Change (3 Years)
- 23.3%
- 65.1%
- Price Change (5 Years)
- -17.9%
- 26.9%
- Price Change (10 Years)
- -11.4%
- 66.8%
- Average Volume (10 Days)
- 781,208
- –
- Average Volume (20 Days)
- 736,285
- –
- Average Volume (90 Days)
- 804,201
- –
- Relative Volume
- 0.73
- 0.68
- Relative Strength Index (14)
- 45.4
- 53.1
- Volatility (1 Year)
- 21.6%
- 24.4%
- Beta (5 Years)
- 0.59
- 0.63
MarginsIndustry
- Pretax Margin
- 37.7%
- 37.0%
- FCF Margin
- 25.1%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 5.31%
- 10.7%
- Return on Assets (ROA)
- 0.58%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 10.5%
- 11.7%
- Net Income Growth (YoY)
- 22.7%
- 22.6%
- EPS Growth (YoY)
- 24.1%
- 21.6%
- FCF Growth (YoY)
- 247.6%
- 27.2%
- Revenue Growth (3Y CAGR)
- 3.35%
- 5.82%
- Revenue Growth (5Y CAGR)
- 1.70%
- 6.17%
- EPS Growth (3Y CAGR)
- 7.17%
- 1.31%
- EPS Growth (5Y CAGR)
- 1.99%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.02
- 0.04
- Revenue Per Employee
- $358.80K
- $358.92K
- Profits Per Employee
- $106.53K
- $110.51K
- Employee Count
- 958
- 492
- WACC
- 8.05%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $129.46M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $568.93M
- $165.09M
- Net Cash Per Share
- $2.03
- $8.07
- Equity (Book Value)
- $1.96B
- $570.13M
- Book Value Per Share
- $6.98
- $28.12
- Tangible Book Value
- $1.96B
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$11.53M
- -$4.24M
- FCF Per Share
- $0.31
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 2.22%
- 8.29%
- FCF Yield
- 1.88%
- 9.18%
- Dividend Yield
- 6.90%
- 2.44%
- Buyback Yield
- 0.19%
- 1.82%
- Shareholder Yield
- 7.09%
- 3.26%
- Dividend Per Share
- $1.13
- $0.92
- Dividend Growth (YoY)
- 0.00%
- 4.26%
- Years of Dividend Growth
- 0
- 2
- Payout Ratio
- 58.6%
- 28.5%
- FCF Payout Ratio
- 69.3%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $27.40M
- $16.14M
- Effective Tax Rate
- 21.2%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $7.52
- $45.07
- Graham Upside
- -54.1%
- 18.8%
- Altman Z-Score
- 0.27
- 0.22
- Piotroski F-Score
- 5
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | TFSL | S&P 500 | Difference | TFSL per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +1.3% | -3.0% | +4.3 pts | ||
| 3 months | -5.0% | -2.8% | −2.3 pts | ||
| Year to date | +29.5% | +11.5% | +18.0 pts | ||
| 1 year | +29.3% | +13.5% | +15.8 pts | ||
| 3 years | +67.8% | +77.7% | −9.9 pts | +18.8% | +21.1% |
| 5 years | +23.2% | +72.6% | −49.4 pts | +4.3% | +11.5% |
| 10 years | +73.5% | +308.2% | −234.7 pts | +5.7% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
10M TFSL shares were sold short on Oct 30, 2026, up 4.7% from the previous report, or 3.74% of the shares available to trade. At recent volumes it would take 15.1 days to buy them back. Over the last 20 sessions, 54.9% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 10,448,176 | +4.7% | 690,929 | 15.1 |
| Oct 15, 2026 | 9,981,067 | +4.7% | 774,661 | 12.9 |
| Sep 30, 2026 | 9,536,066 | +18.9% | 727,479 | 13.1 |
| Sep 15, 2026 | 8,023,594 | +3.0% | 652,949 | 12.3 |
| Aug 31, 2026 | 7,788,969 | +0.9% | 836,756 | 9.3 |
| Aug 14, 2026 | 7,715,941 | +2.6% | 1,032,551 | 7.5 |
| Jul 31, 2026 | 7,521,731 | -4.3% | 932,593 | 8.1 |
| Jul 15, 2026 | 7,859,632 | -0.8% | 701,514 | 11.2 |
| Jun 30, 2026 | 7,922,202 | -0.6% | 1,003,114 | 7.9 |
| Jun 15, 2026 | 7,971,099 | -6.6% | 938,100 | 8.5 |
| May 29, 2026 | 8,535,737 | +1.6% | 888,864 | 9.6 |
| May 15, 2026 | 8,401,513 | +0.2% | 980,448 | 8.6 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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