Is TFSL a good stock to buy right now?

Based on our 6-factor quantitative model, TFS Financial CORP (TFSL) receives a "Hold" rating with a composite score of 42.7/100. It is ranked #1,465 out of 4,446 stocks. Key factor scores: Quality 37/100, Value 35/100, Momentum 46/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for TFSL?

TFS Financial CORP (TFSL) has a "Hold" rating and 3-star score. The composite score of 42.7 ranks it #1,465 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is TFSL in?

TFS Financial CORP operates in the Financials sector (Banking industry) with a market cap of $3.99 billion. It is classified as a mid-cap stock.

Does TFSL pay a dividend?

TFSL does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is TFSL's P/E ratio?

TFSL has a trailing P/E ratio of 46.17x. The Financials sector average is 14.9x. This above-average P/E reflects growth expectations or premium valuation.

How profitable is TFSL?

TFSL's quality factor score is 37/100. ROE: 4.6% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is TFSL valued compared to peers?

TFSL's value factor score is 35/100 (higher = cheaper). Key multiples: P/E 46.2x, EV/EBITDA 48.5x. Trading at a premium relative to peers.

What is TFSL's debt level?

TFSL's debt-to-equity ratio is 821%. Sector average: 121%. Elevated leverage increases credit risk.

TFSL has a beta of 0.60, meaning it is less volatile than the market. Stability score: 90/100.

Does TFSL have high short interest?

TFSL's short interest factor score is 5/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

TFSL Stock Analysis: Top Mid-Cap Hold (Score 42.7/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
TFSL	-1.00%	+3.36%	+7.18%	+10.46%	+26.00%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-0.94%	-0.25%	+6.84%	+10.82%	-3.52%	-	-	-
Alpha vs Sector	+0.09%	+0.85%	+5.76%	+17.77%	+15.42%	-	-	-

Metric	TFSL	Benchmark
P/E Ratio	46.2x	+210%
EV/EBITDA	48.5x	+1387%
Price / Book	2.1x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
TFSL TFS Financial CORP	43	37	35	46	46.2x	4.6%	-	11.3%	-54.7%	821.0x	$4.0B

Key Ratio	TTM	2026	2025	2024	2023	2022	2021	2020	2019	2018	2017
Gross Margin %	0.1%	-	-	-	-	-	-	0.8%	0.9%	0.9%	0.9%
Operating Margin %	0.1%	0.1%	0.2%	0.1%	0.2%	0.2%	0.3%	0.2%	0.1%	0.1%	0.1%
EBITDA Margin %	0.1%	0.1%	0.2%	0.1%	0.2%	0.2%	0.3%	0.5%	0.4%	0.5%	0.5%
Net Margin %	0.1%	0.1%	0.1%	0.1%	0.1%	0.2%	0.2%	0.3%	0.3%	0.3%	0.3%
FCF Margin %	-	-	-	-	-	-	-	40.1%	34.7%	27.7%	35.0%
ROE %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	3.8%	1.2%	4.8%	4.3%	3.8%	3.9%	4.6%	0.8%	0.3%	0.3%	0.3%

Key Ratio

TTM

2026

2025

2024

2023

2022

2021

2020

2019

2018

2017

Gross Margin %

0.1%

0.8%

0.9%

Operating Margin %

0.1%

0.2%

0.1%

0.2%

0.3%

0.2%

0.1%

EBITDA Margin %

0.1%

0.2%

0.1%

0.2%

0.3%

0.5%

0.4%

0.5%

Net Margin %

0.1%

0.2%

0.3%

FCF Margin %

40.1%

34.7%

27.7%

35.0%

ROE %

0.0%

0.1%

ROA %

0.0%

ROIC %

3.8%

1.2%

4.8%

4.3%

3.8%

3.9%

4.6%

0.8%

0.3%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$659M	$763M	$734M	$612M	$409M	$389M	$296M	$286M	$302M	$299M	$295M	$294M
	$76M	—	—	—	—	—	$242M	$265M	$281M	$279M	$270M	$270M
Gross Margin	11.5%	---	---	---	---	---	82.0%	92.8%	92.9%	93.4%	91.6%	91.8%
	—	—	—	—	—	—	$33M	$23M	$25M	$21M	$19M	$17M
Total Operating Expenses	—	$648M	$634M	$519M	$317M	$289M	—	—	—	—	—	—
	$90M	$115M	$100M	$93M	$92M	$100M	$53M	$20M	$22M	$20M	$25M	$24M
EBIT	$90M	$115M	$100M	$93M	$92M	$100M	$53M	$20M	$22M	$20M	$25M	$24M
EBITDA	$82M	$115M	$100M	$93M	$92M	$100M	$133M	$112M	$146M	$154M	$142M	$127M
Operating Margin	14.3%	15.0%	13.7%	15.3%	22.5%	25.7%	18.0%	7.2%	7.1%	6.6%	8.4%	8.2%
EBITDA Margin	12.5%	15.0%	13.7%	15.3%	22.5%	25.7%	45.0%	39.2%	48.4%	51.6%	48.0%	43.1%
	—	$162M	$163M	$328M	$142M	$158M	$213M	$217M	$162M	$130M	$118M	$113M
	—	$115M	$100M	$93M	$92M	$100M	—	—	—	—	—	—
Income Tax Expense	—	$24M	$21M	$18M	$17M	$19M	$17M	$22M	$36M	$44M	$42M	$37M
	$87M	$91M	$80M	$75M	$75M	$81M	$83M	$80M	$85M	$89M	$81M	$73M
Net Margin	11.3%	11.9%	10.8%	12.3%	18.2%	20.8%	28.2%	29.4%	28.2%	29.8%	27.3%	24.7%
	$0.08	$0.32	$0.28	$0.27	$0.26	$0.29	$0.30	$0.29	$0.31	$0.32	$0.28	$0.25
Diluted EPS	$0.08	$0.32	$0.28	$0.26	$0.26	$0.29	$0.30	$0.29	$0.31	$0.32	$0.28	$0.25
Weighted Avg Basic	—	279M	278M	277M	277M	277M	—	—	—	—	—	—
Weighted Avg Diluted	—	280M	279M	279M	279M	279M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$659M

$763M

$734M

$612M

$409M

$389M

$296M

$286M

$302M

$299M

$295M

$294M

$76M

—

$242M

$265M

$281M

$279M

$270M

Gross Margin

11.5%

---

82.0%

92.8%

92.9%

93.4%

91.6%

91.8%

—

$33M

$23M

$25M

$21M

$19M

$17M

Total Operating Expenses

—

$648M

$634M

$519M

$317M

$289M

—

$90M

$115M

$100M

$93M

$92M

$100M

$53M

$20M

$22M

$20M

$25M

$24M

EBIT

$90M

$115M

$100M

$93M

$92M

$100M

$53M

$20M

$22M

$20M

$25M

$24M

EBITDA

$82M

$115M

$100M

$93M

$92M

$100M

$133M

$112M

$146M

$154M

$142M

$127M

Operating Margin

14.3%

15.0%

13.7%

15.3%

22.5%

25.7%

18.0%

7.2%

7.1%

6.6%

8.4%

8.2%

EBITDA Margin

12.5%

15.0%

13.7%

15.3%

22.5%

25.7%

45.0%

39.2%

48.4%

51.6%

48.0%

43.1%

—

$162M

$163M

$328M

$142M

$158M

$213M

$217M

$162M

$130M

$118M

$113M

—

$115M

$100M

$93M

$92M

$100M

—

Income Tax Expense

—

$24M

$21M

$18M

$17M

$19M

$17M

$22M

$36M

$44M

$42M

$37M

$87M

$91M

$80M

$75M

$81M

$83M

$80M

$85M

$89M

$81M

$73M

Net Margin

11.3%

11.9%

10.8%

12.3%

18.2%

20.8%

28.2%

29.4%

28.2%

29.8%

27.3%

24.7%

$0.08

$0.32

$0.28

$0.27

$0.26

$0.29

$0.30

$0.29

$0.31

$0.32

$0.28

$0.25

Diluted EPS

$0.08

$0.32

$0.28

$0.26

$0.29

$0.30

$0.29

$0.31

$0.32

$0.28

$0.25

Weighted Avg Basic

—

279M

278M

277M

—

Weighted Avg Diluted

—

280M

279M

—

TFS Financial CORP (TFSL) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does TFS Financial CORP Do?

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 CORP (TFSL) is classified as a mid-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Marc A. Stefanski and employs approximately 1,000 people, headquartered in CLEVELAND, Ohio. With a market capitalization of $4.0B, TFSL is one of the notable companies in the Financials sector.

TFS Financial CORP (TFSL) Stock Rating — Hold (April 2026)

As of April 2026, TFS Financial CORP receives a Hold rating with a composite score of 42.7/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.TFSL ranks #1,465 out of 4,446 stocks in our coverage universe. Within the Financials sector, TFS Financial CORP ranks #441 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

TFSL Stock Price and 52-Week Range

TFS Financial CORP (TFSL) currently trades at $14.99. The stock gained $0.06 (0.4%) in the most recent trading session. The 52-week high for TFSL is $15.42, which means the stock is currently trading -2.8% from its annual peak. The 52-week low is $11.29, putting the stock 32.8% above its annual trough. Recent trading volume was 0 shares, suggesting relatively thin trading activity.

Is TFSL Overvalued or Undervalued? — Valuation Analysis

TFS Financial CORP (TFSL) carries a value factor score of 35/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The trailing price-to-earnings ratio is 46.17x, compared to the Financials sector average of 14.88x — a premium of 210%. The price-to-book ratio stands at 2.12x, versus the sector average of 1.22x. The price-to-sales ratio is 6.10x, compared to 0.90x for the average Financials stock. On an enterprise value basis, TFSL trades at 48.48x EV/EBITDA, versus 3.26x for the sector.

At current multiples, TFS Financial CORP trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

TFS Financial CORP Profitability — ROE, Margins, and Quality Score

TFS Financial CORP (TFSL) earns a quality factor score of 37/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 4.6%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.5% versus the sector average of 1.2%.

The operating margin is 14.3% (sector: 21.8%). Net profit margin stands at 11.3%, versus 17.7% for the average Financials stock. Revenue growth is running at -54.7% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

TFSL Debt, Balance Sheet, and Financial Health

TFS Financial CORP has a debt-to-equity ratio of 821.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. Cash and equivalents stand at $27M.

TFSL has a beta of 0.60, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for TFS Financial CORP is 90/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

TFS Financial CORP Revenue and Earnings History — Quarterly Trend

In TTM 2026, TFS Financial CORP reported revenue of $659M and earnings per share (EPS) of $0.08. Net income for the quarter was $87M. Gross margin was 11.5%. Operating income came in at $90M.

In Q1 2025, TFS Financial CORP reported revenue of $84M and earnings per share (EPS) of $0.08. Net income for the quarter was $22M. Gross margin was 90.4%. Operating income came in at $8M.

In Q1 2026, TFS Financial CORP reported revenue of $198M and earnings per share (EPS) of $0.08. Net income for the quarter was $22M. Revenue grew 136.2% year-over-year compared to Q1 2025. Operating income came in at $28M.

In FY 2025, TFS Financial CORP reported revenue of $763M and earnings per share (EPS) of $0.32. Net income for the quarter was $91M. Revenue grew 4.0% year-over-year compared to FY 2024. Operating income came in at $115M.

Over the past 8 quarters, TFS Financial CORP has demonstrated a growth trajectory, with revenue expanding from $185M to $659M. Investors analyzing TFSL stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

TFSL Dividend Yield and Income Analysis

TFS Financial CORP (TFSL) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

TFSL Momentum and Technical Analysis Profile

TFS Financial CORP (TFSL) has a momentum factor score of 46/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 55/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 5/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

TFSL vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, TFS Financial CORP (TFSL) ranks #441 out of 891 stocks based on the Blank Capital composite score. This places TFSL in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing TFSL against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full TFSL vs S&P 500 (SPY) comparison to assess how TFS Financial CORP stacks up against the broader market across all factor dimensions.

TFSL Next Earnings Date

No upcoming earnings date has been announced for TFS Financial CORP (TFSL) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy TFSL? — Investment Thesis Summary

TFS Financial CORP presents a balanced picture with arguments on both sides. The quality score of 37/100 flags below-average profitability. The value score of 35/100 indicates premium valuation. Low volatility (stability score 90/100) reduces downside risk.

In summary, TFS Financial CORP (TFSL) earns a Hold rating with a composite score of 42.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on TFSL stock.

Related Resources for TFSL Investors

Explore more research and tools: TFSL vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare TFSL head-to-head with peers: TFSL vs WTM, TFSL vs OPY, TFSL vs ACT.

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TFS Financial CORP (TFSL) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does TFS Financial CORP Do?

TFS Financial CORP (TFSL) Stock Rating — Hold (April 2026)

TFSL Stock Price and 52-Week Range

Is TFSL Overvalued or Undervalued? — Valuation Analysis

TFS Financial CORP Profitability — ROE, Margins, and Quality Score

TFSL Debt, Balance Sheet, and Financial Health

TFS Financial CORP Revenue and Earnings History — Quarterly Trend

TFSL Dividend Yield and Income Analysis

TFSL Momentum and Technical Analysis Profile

TFSL vs Competitors — Financials Sector Ranking and Peer Comparison

TFSL Next Earnings Date

Should You Buy TFSL? — Investment Thesis Summary

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