TFSL
HoldHot AirTFS Financial Corporation · Financial Services · United States · $4.7B cap · $12.2M/day traded
$16.69 +0.5% · close 26 Oct · scored 27 Oct
Hot Air: Rising on momentum alone: weak business, rich price.
As of 27 Oct 2026, MoatMap's StockRank for TFS Financial Corporation (TFSL) is 43/100, ranked against 24,000+ stocks in 35 markets (Quality 47, Value 25, Momentum 63, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
ABOUT TFS FINANCIAL CORPORATION
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TFS Financial Corporation operates as the holding company for Third Federal Savings and Loan Association of Cleveland, a regional thrift institution focused on attracting retail deposits and originating mortgage loans. Its competitive moat lies in a long-standing reputation for financial stability and customer trust, coupled with a conservative underwriting approach that contributes to asset quality. TFS Financial maintains a strong market presence as a reliable, deposit-funded mortgage lender.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 291.2M | 305.0M | 303.2M | 321.5M | 3.4% | 347.2M | 347.7M | 374.2M | 7.9% |
| EPS | 0.26 | 0.26 | 0.28 | 0.32 | 7.2% | 0.36 | 0.36 | 0.39 | 10.4% |
| Shares | 280.6M | 277.7M | 280.7M | 280.6M | +0.0% | 280.4M | — | — | — |
| Debt | 4.8B | 5.3B | 4.8B | 4.9B | 0.5% | 5.9B | — | — | — |
| Equity | 1.8B | 1.9B | 1.9B | 1.9B | 0.9% | — | — | — | — |
| Op CF | 38.9M | 90.7M | 88.6M | 82.4M | 28.4% | 97.8M | — | — | — |
| Inv CF | -1.9B | -1.0B | -124.7M | -384.0M | — | — | — | — | — |
| Fin CF | 1.7B | 1.0B | 33.1M | 267.3M | — | — | — | — | — |
Above its 200-day average and 13% below its 52-week high.
Calmer than 88% of stocks we rank over the past year (22% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of TFSL are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| TFSL | TFS Financial Corporation(you) | $4.7B | 43 | Hold |
| FFIN | First Financial Bankshares, Inc. | $4.3B | 42 | Hold |
| ABCB | Ameris Bancorp | $5.5B | 40 | Hold |
| GBCI | Glacier Bancorp, Inc. | $6.2B | 43 | Hold |
| SBCF | Seacoast Banking Corporation of Florida | $3.2B | 42 | Hold |
| BANF | BancFirst Corporation | $3.7B | 48 | Hold |
| VLYPO | Valley National Bancorp | $3.3B | 46 | Hold |
| BANC | Banc of California, Inc. | $2.8B | 42 | Hold |
| CLBK | Columbia Financial, Inc. | $2.9B | 43 | Hold |
| BKU | BankUnited, Inc. | $3.1B | 45 | Hold |
Peer medians: ROE 9.6% · P/E 13.0x · Gross margin 75.4%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.