TFSL

BEARISH

$15.05 Live

TFS Financial Corporation · NASDAQ

Target $14.5 (-3.7%)

$12.31 52W Range $15.42

TFSL TFS Financial Corporation - Fundamental Analysis

BEARISH

Console Chart News

TFSL Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$15.05

Analyst Target

$14.5

-3.7% Downside

52W High

$15.42

52W Low

$12.31

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 21, 2026

Market cap

$4.22B

P/E

47.03

ROE

4.8%

Profit margin

27.7%

Debt/Equity

N/A

Dividend yield

7.51%

AI Analysis

AI-powered fundamental assessment

Confidence

90%

TFSL exhibits significant fundamental deterioration, anchored by a stable but mediocre Piotroski F-Score of 4/9 and a severe valuation disconnect where the current price ($15.05) vastly exceeds both the Graham Number ($7.01) and Intrinsic Value ($2.24). The most critical red flag is an unsustainable dividend payout ratio of 353.13%, indicating the company is paying dividends far in excess of its earnings. This is compounded by a PEG ratio of 72.62 and stagnant earnings growth (-0.80% YoY), suggesting the stock is priced for growth that is not manifesting. Bearish insider activity from the CEO and CFO further reinforces a negative outlook.

Key Strengths

Consistent double-digit revenue growth (11% YoY)

Strong operating margins (37.47%)

Positive short-term price momentum (1Y Change +32.9%)

Historically consistent earnings beat record over 25 quarters

Attractive nominal dividend yield of 7.51%

Key Risks

Unsustainable dividend payout ratio (353.13%)

Extreme overvaluation relative to growth (PEG Ratio 72.62)

Low Return on Equity (4.76%) and Return on Assets (0.53%)

Negative earnings growth trend (-11.1% most recent Q/Q)

Aggressive insider selling by C-suite executives

AI Fair Value Estimate

Based on comprehensive analysis

$6.63

-55.9% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

Severely Overvalued

Key drivers: Dividend sustainability, Valuation multiples, Insider sentiment, Earnings stagnation

Confidence

95%

Value

15/100

Ref P/E, PEG, Graham Number

Positives

No standout positives identified.

Watchpoints

P/E of 47.03 is excessive for regional banking
Price is >2x the Graham Number
PEG ratio of 72.62 indicates extreme overpayment for growth

Future

30/100

Ref Growth rates

Positives

Revenue growth remains positive at 11%

Watchpoints

Earnings growth has turned negative (-0.80% YoY)
Recent Q/Q EPS decline of 11.1%

Past

60/100

Ref Historical trends

Positives

Long-term track record of beating estimates
Strong 3-year price appreciation (+56.5%)

Watchpoints

Recent earnings beats have slowed (1/4 in last year)

Health

45/100

Ref Altman Z-Score, Piotroski F-Score

Positives

Piotroski F-Score of 4 indicates stability

Watchpoints

Low ROE (4.76%) suggests inefficient capital use

Dividend

10/100

Ref Yield, Payout

Positives

High nominal yield (7.51%)

Watchpoints

Payout ratio of 353.13% is a critical failure point

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$15.05

Analyst Target

$14.5

Upside/Downside

-3.7%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for TFSL and closest competitors.

Updated 2026-04-20

Company	5Y	3Y	1Y	6M	1M	1W
TFSL TFS Financial Corporation Primary	+12.2%	+56.5%	+32.9%	+18.4%	+12.4%	+2.0%
BGC BGC Group, Inc. Peer	+140.9%	+117.3%	-6.3%	-9.0%	-1.8%	-1.4%
FULT Fulton Financial Corporation Peer	+54.3%	+82.3%	+39.4%	+21.3%	+10.1%	+6.3%
AB AllianceBernstein Holding L.P. Peer	+61.4%	+31.7%	+5.9%	-5.4%	-0.1%	-3.0%
ASB Associated Banc-Corp Peer	+67.4%	+34.5%	+8.3%	+5.1%	-0.4%	-0.4%

TFS

TFS Financial Corporation

Primary

+12.2%

+56.5%

+32.9%

+18.4%

+12.4%

+2.0%

BGC

BGC Group, Inc.

Peer

+140.9%

+117.3%

-6.3%

-9.0%

-1.8%

-1.4%

FUL

Fulton Financial Corporation

Peer

+54.3%

+82.3%

+39.4%

+21.3%

+10.1%

+6.3%

AllianceBernstein Holding L.P.

Peer

+61.4%

+31.7%

+5.9%

-5.4%

-0.1%

-3.0%

ASB

Associated Banc-Corp

Peer

+67.4%

+34.5%

+8.3%

+5.1%

-0.4%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

47.03

42.39

72.62

2.21

12.9

26.64

N/A

$4.22B

Profitability

Profit margins and return metrics

Profit Margin 27.74%

Operating Margin 37.47%

Gross Margin N/A

ROE 4.76%

ROA 0.53%

Growth

Revenue and earnings growth rates

Revenue Growth +11.0%

Earnings Growth -0.8%

Q/Q Revenue Growth +11.89%

Q/Q Earnings Growth -0.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$1.64

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.1B

Net Margin

26.6%

Total Assets

$17.5B

Liabilities

$15.6B

Equity

$1.9B

Debt/Equity

8.21x

Operating CF

$0.1B

CapEx

$-0.0B

Free Cash Flow

$0.1B

FCF Yield

97%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-30

$N/A

2026-01-29

$0.08

-11.1% surprise

2025-10-30

$0.09

+12.5% surprise

2025-07-30

$0.08

Financial Services Sector Comparison

Comparing TFSL against 579 companies in the Financial Services sector (106 bullish, 239 neutral, 234 bearish)

P/E Ratio

47.03

This Stock

41.68

Sector Avg

+12.8% (Premium)

Return on Equity (ROE)

4.76%

This Stock

-0.24%

Sector Avg

-2059.2% (Below Avg)

Profit Margin

27.74%

This Stock

47.47%

Sector Avg

-41.6% (Weaker)

Revenue Growth

11.0%

This Stock

39.3%

Sector Avg

-72.0% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
TFSL TFS Financial Corporation	BEARISH	$4.22B	47.03	4.8%	27.7%	$15.05
BGC BGC Group, Inc.	NEUTRAL	$4.23B	27.84	14.6%	6.3%	$8.91	Compare
FULT Fulton Financial Corporation	NEUTRAL	$4.2B	10.49	11.7%	30.7%	$21.82	Compare
AB AllianceBernstein Holding L.P.	BEARISH	$4.31B	13.16	19.8%	-%	$38.96	Compare
ASB Associated Banc-Corp	NEUTRAL	$4.39B	31.86	3.8%	16.0%	$26.44	Compare

TFSL TFS Financial Corporation

BEARISH

Mkt Cap

$4.2B

P/E

47.0

ROE

4.8%

Price

$15.05

Compare with TFSL

Compare with TFSL

AB AllianceBernste...

Compare with TFSL

ASB Associated Banc-Corp

Compare with TFSL

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-12	ASHER ANTHONY J	Director	Purchase	5,000	$66,850
2026-02-20	STEFANSKI GAVIN B	Officer	Sale	7,000	$104,790
2026-02-17	STEFANSKI MARC A	Chief Executive Officer	Sale	37,844	$572,081
2026-02-12	STEFANSKI MARC A	Chief Executive Officer	Sale	7,156	$107,554
2026-02-11	WEIL MEREDITH S	Chief Financial Officer	Sale	15,000	$224,250
2026-02-03	ANDERSON BARBARA J	Director	Sale	11,000	$156,310
2025-12-15	STEFANSKI MARC A	Chief Executive Officer	Gift	23,500	-
2025-12-15	ASHER ANTHONY J	Director	Purchase	1,439	$19,988
2025-12-12	ASHER ANTHONY J	Director	Gift	5,100	-
2025-12-12	WILLIAMS ASHLEY H	Director	Sale	7,600	$103,816
2025-12-10	ANDERSON BARBARA J	Director	Stock Award	15,100	-
2025-12-10	MULHERN TIMOTHY W.	Chief Technology Officer	Stock Award	13,031	-
2025-12-10	STEFANSKI BRADLEY TAYLOR	Officer	Stock Award	1,433	-
2025-12-10	STEFANSKI GAVIN B	Chief Executive Officer	Stock Award	1,433	-
2025-12-10	WEIR DANIEL F.	Director	Stock Award	15,100	-

ASHER ANTHONY J

Director

Buy

2026-03-12

5,000 shares · $66,850

STEFANSKI GAVIN B

Officer

Sell

2026-02-20

7,000 shares · $104,790

STEFANSKI MARC A

Chief Executive Officer

Sell

2026-02-17

37,844 shares · $572,081

STEFANSKI MARC A

Chief Executive Officer

Sell

2026-02-12

7,156 shares · $107,554

WEIL MEREDITH S

Chief Financial Officer

Sell

2026-02-11

15,000 shares · $224,250

ANDERSON BARBARA J

Director

Sell

2026-02-03

11,000 shares · $156,310

STEFANSKI MARC A

Chief Executive Officer

Gift

2025-12-15

23,500 shares

ASHER ANTHONY J

Director

Buy

2025-12-15

1,439 shares · $19,988

ASHER ANTHONY J

Director

Gift

2025-12-12

5,100 shares

WILLIAMS ASHLEY H

Director

Sell

2025-12-12

7,600 shares · $103,816

ANDERSON BARBARA J

Director

Stock Award

2025-12-10

15,100 shares

MULHERN TIMOTHY W.

Chief Technology Officer

Stock Award

2025-12-10

13,031 shares

STEFANSKI BRADLEY TAYLOR

Officer

Stock Award

2025-12-10

1,433 shares

STEFANSKI GAVIN B

Chief Executive Officer

Stock Award

2025-12-10

1,433 shares

WEIR DANIEL F.

Director

Stock Award

2025-12-10

15,100 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-02

TFSL filed an 8-K on April 2, 2026, likely to announce its first-quarter financial results.

8-K

2026-02-26

TFSL filed an 8-K on February 26, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K

2026-02-26

TFSL filed an 8-K on February 26, 2026, likely to announce its fourth-quarter and full-year financial results.

10-Q

2026-02-05

TFSL filed its 10-Q on February 5, 2026. The provided excerpt identifies the presence of Risk Factors under Item 1A, although specific financial highlights and detailed risk disclosures were not included in the available text.

8-K/A

2026-02-05

TFSL filed an amendment to a previously submitted Form 8-K on February 5, 2026.

8-K

2026-01-29

TFSL filed an 8-K on January 29, 2026, likely to announce its financial results for the fiscal year ended December 31, 2025.

DEF 14A

2026-01-14

TFSL filed a definitive proxy statement on January 14, 2026, providing shareholders with necessary information to vote on matters at an upcoming meeting.

8-K

2025-12-22

10-K

2025-11-25

TFSL filed its 10-K on November 25, 2025, providing a comprehensive overview of its business operations and financial condition. The filing includes detailed sections on risk factors and management's discussion and analysis of operational results.

8-K

2025-11-20

TFSL filed a current report on November 20, 2025, likely announcing its third-quarter financial results or a significant corporate development.

8-K

2025-10-30

8-K

2025-08-28

10-Q

2025-08-07

8-K

2025-07-30

8-K

2025-07-08

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning TFSL from our newsroom.

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TFSL

TFSL TFS Financial Corporation - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Past News Coverage

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