TFS Financial Corporation appears overvalued with a 48x P/E and 2.3x P/B despite weak profitability metrics. The 7.1% dividend yield is fully priced in and structurally dependent on the mutual holding company's annual refusal to accept dividends. TFSL's profitability is constrained by low ROE (4.8%), ROA (0.52%), and a net interest margin of 1.84%, with limited growth prospects.
The headline numbers for TFS Financial (TFSL) give insight into how the company performed in the quarter ended March 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
TFS Financial (TFSL) came out with quarterly earnings of $0.08 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.07 per share a year ago.
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
| CE Curtis Ellergodt Rothschild Investment LLC | 35 | $468 | $624.4 | $156.4 | 33.42% |
| ABB Alexander Bjornager Bonde Danske Bank A/S | 300 | $4,014 | $5,352 | $1,338 | 33.33% |
Jeff Ameen Spire Wealth Management | 909 | $16,468.16 | $16,080.21 | -$387.95 | -2.36% |
| PF Phillip Fitzsimmons Hennion & Walsh Asset Management Inc. | 17,006 | $244,749.38 | $304,917.58 | $60,168.2 | 24.58% |
Joseph Castro Nuveen LLC | 166,624 | $2.11M | $2.98M | $869,442.92 | 41.21% |
| Banks Industry | Financials Sector | Marc A. Stefanski CEO | NASDAQ (NGS) Exchange | 87240R107 CUSIP |
| US Country | 958 Employees | 10 Jun 2026 Last Dividend | - Last Split | 23 Apr 2007 IPO Date |
TFS Financial Corporation, a prominent player in the retail consumer banking sector in the United States, operates through its subsidiaries to offer a wide range of financial services. With its roots extending back to 1938, the corporation has established a strong presence particularly in the Ohio and Florida markets, supported by its main office located in Cleveland, Ohio, along with numerous full-service branches and loan production offices in these states. A subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC, TFS Financial Corporation has built a reputation for providing comprehensive banking solutions tailored to meet the needs of its individual customers.
The range of offerings from TFS Financial Corporation covers various aspects of retail consumer banking, including:
Customers have access to a variety of deposit accounts such as savings, money market, checking, individual retirement, and other qualified plan accounts. Additionally, certificates of deposit are available for those looking for fixed-term investment options.
The corporation specializes in residential real estate mortgage loans, which facilitate the purchase or refinance of a home. This category further extends to residential construction loans for those looking to build their homes, as well as home equity loans and lines of credit, which enable homeowners to borrow against the equity of their homes.
Beyond the standard residential loan offerings, TFS Financial also provides products specifically designed for purchasing new homes or refinancing existing mortgages, offering competitive rates and terms.
To support real estate transactions, the company offers comprehensive escrow and settlement services, ensuring a smooth transfer process for both buyers and sellers.