TFS Financial Corp

TFS Financial Corp (TFSL) Stock Analysis

$16.400

+0.336 (+2.05%)At close

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High
16.510
Open
16.120
VWAP
16.34
Volume
705.48K
Mkt Cap
3.49B
Low
16.120
Amount
11.53M
EV/EBITDA, TTM
53.14

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 priced at $16.33, which is within the analyst price target range of $16 to $20. The company's recent earnings report showed an EPS of $0.11, exceeding expectations by 37.5%, indicating potential for growth. However, the forward P/E ratio is high at 76.92, suggesting that the stock may be overvalued at this time. Additionally, while insider buying has surged by 525.65%, indicating confidence from management, the overall market sentiment remains cautious. Therefore, it may be prudent to hold rather than buy at this moment, as the stock's valuation and market conditions present mixed signals.

Analyst Ratings (2)

Hold
0 Buy
2 Hold
0 Sell
Current: 16.40
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 59.77.

Forward P/E

Overvalued
5Y Average P/E
59.77
Current P/E
76.92
Overvalued
74.58
Undervalued
44.95

Forward EV/EBITDA

Overvalued
5Y Average EV/EBITDA
12.91
Current EV/EBITDA
53.14
Overvalued
45.89
Undervalued
-20.08

Forward P/S

Fair
5Y Average P/S
13.27
Current P/S
12.24
Overvalued
15.56
Undervalued
10.98

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

+5.88%

3M Return

C

Cramer Rosenthal McGlynn LLC

+ HoldingTFSL

-12.04%

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 priced at $16.33, which is within the analyst price target range of $16 to $20. The company's recent earnings report showed an EPS of $0.11, exceeding expectations by 37.5%, indicating potential for growth. However, the forward P/E ratio is high at 76.92, suggesting that the stock may be overvalued at this time. Additionally, while insider buying has surged by 525.65%, indicating confidence from management, the overall market sentiment remains cautious. Therefore, it may be prudent to hold rather than buy at this moment, as the stock's valuation and market conditions present mixed signals.

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

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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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