Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
TFSL
HOLDTFS Financial Corporation · Financial Services · United States · $5.1B · Avg Vol: $15M/d
COMPANY DESCRIPTION
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% | 335.0M | 345.1M | 369.1M | 7.2% |
| EPS | 0.26 | 0.26 | 0.28 | 0.32 | 7.2% | 0.33 | 0.34 | 0.37 | 7.5% |
| Shares | 280.6M | 277.7M | 280.7M | 280.6M | +0.0% | 280.4M | — | — | — |
| Debt | 4.8B | 5.3B | 4.8B | 4.9B | 0.5% | 5.2B | — | — | — |
| Equity | 1.8B | 1.9B | 1.9B | 1.9B | 0.9% | — | — | — | — |
| Op CF | 38.9M | 90.7M | 88.6M | 82.4M | 28.4% | 92.0M | — | — | — |
| Inv CF | -1.9B | -1.0B | -124.7M | -384.0M | — | — | — | — | — |
| Fin CF | 1.7B | 1.0B | 33.1M | 267.3M | — | — | — | — | — |
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) | $5.1B | 46 | HOLD |
| ABCB | Ameris Bancorp | $5.9B | 51 | HOLD |
| FFIN | First Financial Bankshares, Inc. | $5.0B | 53 | HOLD |
| GBCI | Glacier Bancorp, Inc. | $6.5B | 43 | HOLD |
| TOWN | TowneBank | $3.3B | 47 | HOLD |
| NIC | Nicolet Bankshares, Inc. | $3.6B | 49 | HOLD |
| TCBI | Texas Capital Bancshares, Inc. | $4.3B | 53 | HOLD |
| CBC | Central Bancompany, Inc. | $7.7B | 45 | HOLD |
| EBC | Eastern Bankshares, Inc. | $5.2B | 58 | HOLD |
| VLYPO | Valley National Bancorp | $3.3B | 50 | HOLD |
Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%