TFSL

+ Watchlist + Portfolio

TFS Financial Corp.

GridBrain — Sign in

GridSentinel — Sign in

GridAegis — Sign in

Key Metrics

Previous Close: $17.31
52-Week Range: $12.54 – $19.49
Market Cap: $4.91B
P/E (TTM): 48.61
EPS (TTM): 0.36
Dividend Yield: 6.52%

Advanced Metrics

Price/Book: 2.54
PEG Ratio: 72.62
Return on Equity: 5.31%
Return on Assets: 0.58%
Gross Margin: 0.00%
Operating Margin: 45.41%
Profit Margin: 29.39%
Current Ratio: —
Debt/Equity: —
Total Debt: $5.86B
Free Cash Flow: —
Revenue Growth: 15.20%
Earnings Growth: 42.50%
Enterprise Value: $10.16B

TFSL Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$291.20M	$305.00M	$303.16M	$321.47M
Selling, General & Admin	$139.96M	$151.53M	$142.08M	$142.30M
Pretax Income	$92.05M	$93.37M	$100.31M	$114.72M
Income Tax	$17.49M	$18.12M	$20.73M	$23.76M
Net Income	$74.56M	$75.25M	$79.59M	$90.96M
Diluted EPS	0.26	0.26	0.28	0.32
Diluted Shares	278.69M	278.58M	279.14M	279.76M

TFSL Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$369.56M	$466.75M	$463.72M	$429.44M
Receivables	$40.26M	$53.91M	$59.40M	$62.55M
Total Assets	$15.79B	$16.92B	$17.09B	$17.46B
Long-Term Debt	$4.82B	$5.30B	$4.82B	$4.90B
Total Debt	$4.82B	$5.30B	$4.82B	$4.90B
Total Liabilities	$13.95B	$14.99B	$15.23B	$15.56B
Retained Earnings	$870.05M	$886.98M	$915.49M	$946.78M
Shareholders' Equity	$1.84B	$1.93B	$1.86B	$1.89B
Net Debt	$4.45B	$4.84B	$4.36B	$4.47B

TFSL Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$38.93M	$90.72M	$88.60M	$82.42M
Capital Expenditure	-$2.70M	-$5.10M	-$3.06M	-$11.45M
Free Cash Flow	$36.23M	$85.62M	$85.54M	$70.97M
Depreciation & Amortisation	$27.04M	$18.11M	$19.03M	$23.05M
Stock-Based Compensation	$11.01M	$10.00M	$9.50M	$9.65M
Investing Cash Flow	-$1.88B	-$1.01B	-$124.71M	-$383.98M
Financing Cash Flow	$1.72B	$1.02B	$33.08M	$267.28M
Dividends Paid	-$58.30M	-$58.29M	-$58.95M	-$59.53M
Share Repurchases	-$6.29M	-$5.98M	-$1.93M	-$3.98M
Net Change in Cash	-$118.76M	$97.18M	-$3.03M	-$34.28M

TFSL Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$79.12M	$82.04M	$85.48M	$83.73M	$85.24M
Selling, General & Admin	$35.97M	$36.98M	$35.50M	$39.97M	$37.76M
Pretax Income	$26.53M	$27.36M	$32.44M	$28.50M	$29.84M
Income Tax	$5.51M	$5.84M	$6.44M	$6.22M	$6.60M
Net Income	$21.02M	$21.51M	$26.00M	$22.27M	$23.25M
Diluted EPS	0.07	0.08	0.09	0.08	0.08
Diluted Shares	279.72M	279.87M	279.89M	283.30M	279.93M

TFSL Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$463.58M	$452.58M	$429.44M	$456.71M	$437.28M
Receivables	$58.05M	$60.43M	$62.55M	$60.30M	$59.93M
Total Assets	$17.11B	$17.38B	$17.46B	$17.50B	$17.48B
Long-Term Debt	$4.61B	$4.91B	$4.90B	$4.98B	$5.17B
Total Debt	$4.61B	$4.91B	$4.90B	$4.98B	$5.17B
Total Liabilities	$15.22B	$15.49B	$15.56B	$15.60B	$15.56B
Retained Earnings	$929.20M	$935.74M	$946.78M	$954.16M	$962.21M
Shareholders' Equity	$1.90B	$1.89B	$1.89B	$1.90B	$1.92B
Net Debt	$4.15B	$4.46B	$4.47B	$4.53B	$4.73B

TFSL Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$21.23M	$26.75M	-$11.10M	$58.75M	$17.64M
Capital Expenditure	-$6.95M	-$1.73M	-$2.14M	-$1.66M	-$4.25M
Free Cash Flow	$14.28M	$25.03M	-$13.25M	$57.09M	$13.39M
Depreciation & Amortisation	$5.55M	$5.95M	$6.24M	$6.26M	$5.85M
Stock-Based Compensation	$2.35M	$2.34M	$2.61M	$2.65M	$3.11M
Investing Cash Flow	-$43.60M	-$264.04M	-$73.62M	$13.97M	-$8.37M
Financing Cash Flow	$20.03M	$226.29M	$61.58M	-$45.45M	-$28.70M
Dividends Paid	-$14.90M	-$14.87M	-$14.86M	-$15.11M	-$14.93M
Share Repurchases	$0.00	-$744.00K	-$2.47M	-$2.99M	-$2.09M
Net Change in Cash	-$2.35M	-$11.00M	-$23.14M	$27.27M	-$19.43M

Market Snapshot

About

TFS Financial Corporation is the holding company for Third Federal Savings and Loan, a community-focused savings and loan institution based in Ohio. The company primarily originates residential mortgage loans and takes retail deposits, emphasizing relationship-based banking and homeownership lending.