TFS Financial Corp

TFS Financial Corp (TFSL) Stock Analysis

$17.530

-0.372 (-2.12%)At close

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High
18.180
Open
17.875
VWAP
17.74
Vol
777.05K
Mkt Cap
3.49B
Low
17.500
Amount
13.78M
EV/EBITDA, TTM
55.41

TFS Financial Corporation is the holding company of Third Federal Savings and Loan Association of Cleveland (Association). The Association is a federally chartered savings and loan association, and its principal business consists of originating and servicing residential real estate mortgage loans and attracting retail savings deposits. The Association’s principal lending activity is the origination of up to 30-year fixed-rate and adjustable-rate, first mortgage loans to purchase or refinance residential real estate. The Association's loan portfolio includes residential mortgage loans, home equity loans and lines of credit. The Association conducts its operations from its main office in Cleveland, Ohio, and from about 36 additional, full-service branches and two loan production offices located throughout the states of Ohio and Florida. It provides savings products in all 50 states and first mortgage loans, home equity loans and bridge loans in 28 states and the District of Columbia.

AI analysis of TFS Financial Corp (TFSL)

hold

TFS Financial Corp is currently a hold. The stock is trading at $17.53, which is close to the average analyst price target of $18, suggesting limited upside. The RSI is at 40.085, indicating a neutral momentum, and the forward P/E ratio is 76.9231, which is quite high, suggesting that the stock may be overvalued. The main risk is the high debt-to-equity ratio of 296.87%, indicating potential financial instability.

Analyst Ratings (2)

Hold
0 Buy
2 Hold
0 Sell
Current: 17.53
Low
Average
High

Piper Sandler

2026-08-03

Price Target

$20

Neutral

Keefe Bruyette

2026-08-03

Price Target

$18

Market Perform

Piper Sandler

2026-05-04

Price Target

$16

Neutral

Keefe Bruyette

2026-05-04

Price Target

$15

Market Perform

Piper Sandler

2026-01-16

Price Target

$15

Hold

Valuation Metrics

The current forward P/E ratio for TFS Financial Corp (TFSL) is 76.92, compared to its 5-year average forward P/E of 59.99.

Forward P/E

Overvalued
5Y Average P/E
59.99
Current P/E
76.92
Overvalued
75.18
Undervalued
44.81

Forward EV/EBITDA

Overvalued
5Y Average EV/EBITDA
11.39
Current EV/EBITDA
55.41
Overvalued
43.69
Undervalued
-20.91

Forward P/S

Fair
5Y Average P/S
13.51
Current P/S
13.42
Overvalued
16.15
Undervalued
10.87

Alphio AI Price Scenarios for TFSL

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%TFSL

$18.54

Scenario price

B

Base

Base · 50%TFSL

$14.85

Scenario price

B

Bear

Bear · 25%TFSL

$13.23

Scenario price

Whales holding TFSL

L

Lakewood Capital Management, LP

+ HoldingTFSL

+12.37%

3M Return

T

Third Federal Savings and Loan Association of Cleveland, MHC

+ HoldingTFSL

+11.94%

3M Return

Events Timeline

2026-07-30 (ET)

16:30:00

Third Federal Bank Net Interest Income Increases to $81.4 Million

2026-04-30 (ET)

16:20:00

Company Reports Net Interest Income Increase to $77.8 Million for Q1

2026-04-02 (ET)

16:10:00

TFS Financial CFO Weil to Retire in January 2027

2026-03-25 (ET)

09:40:00

Third Federal Partners with Clearstead to Offer Wealth Management Services

2026-01-29 (ET)

16:20:00

Company's Net Interest Income Increases by $7.4 Million

News

TFSL FAQ — answered by Alphio AI

TFS Financial Corporation is the holding company of Third Federal Savings and Loan Association of Cleveland (Association). The Association is a federally chartered savings and loan association, and its principal business consists of originating and servicing residential real estate mortgage loans and attracting retail savings deposits. The Association’s principal lending activity is the origination of up to 30-year fixed-rate and adjustable-rate, first mortgage loans to purchase or refinance residential real estate. The Association's loan portfolio includes residential mortgage loans, home equity loans and lines of credit. The Association conducts its operations from its main office in Cleveland, Ohio, and from about 36 additional, full-service branches and two loan production offices located throughout the states of Ohio and Florida. It provides savings products in all 50 states and first mortgage loans, home equity loans and bridge loans in 28 states and the District of Columbia. It operates in the Financials sector (SAVINGS INSTITUTION, FEDERALLY CHARTERED industry).

TFS Financial Corp is currently a hold. The stock is trading at $17.53, which is close to the average analyst price target of $18, suggesting limited upside. The RSI is at 40.085, indicating a neutral momentum, and the forward P/E ratio is 76.9231, which is quite high, suggesting that the stock may be overvalued. The main risk is the high debt-to-equity ratio of 296.87%, indicating potential financial instability.

2 analysts cover TFSL: 0 rate it Buy, 2 Hold and 0 Sell.

This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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