TFS Financial Corporation Logo

TFS Financial Corporation

TFSL

(2.2)
Stock Price

12,74 USD

0.48% ROA

4.22% ROE

43.02x PER

Market Cap.

3.511.694.610,00 USD

251.01% DER

9.03% Yield

12.46% NPM

TFS Financial Corporation Stock Analysis

TFS Financial Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

TFS Financial Corporation Fundamental Stock Analysis
# Analysis Rating
1 Dividend Growth

The company's dividend growth has consistently increased every year in the last five years, indicating a strong track record of positive returns for investors.

2 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

3 ROE

The stock's ROE falls within an average range (4.01%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.44%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (1.96x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 Assets Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

7 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (54) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 DER

The stock is burdened with a heavy load of debt (274%), making it financially unstable and potentially risky for investors.

9 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

11 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

TFS Financial Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

TFS Financial Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

TFS Financial Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

TFS Financial Corporation Revenue
Year Revenue Growth
2002 44.736.000
2003 81.468.000 45.09%
2004 0 0%
2005 226.218.000 100%
2006 190.274.000 -18.89%
2007 244.591.000 22.21%
2008 267.642.000 8.61%
2009 298.280.000 10.27%
2010 285.475.000 -4.49%
2011 277.563.000 -2.85%
2012 286.614.000 3.16%
2013 297.021.000 3.5%
2014 293.333.000 -1.26%
2015 294.387.000 0.36%
2016 295.367.000 0.33%
2017 298.745.000 1.13%
2018 302.477.000 1.23%
2019 285.885.000 -5.8%
2020 295.519.000 3.26%
2021 286.929.000 -2.99%
2022 291.200.000 1.47%
2023 304.996.000 4.52%
2024 763.987.472 60.08%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

TFS Financial Corporation Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

TFS Financial Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 71.146.000 100%
2006 68.372.000 -4.06%
2007 72.996.000 6.33%
2008 75.919.000 3.85%
2009 96.968.000 21.71%
2010 102.813.000 5.69%
2011 95.530.000 -7.62%
2012 94.407.000 -1.19%
2013 99.490.000 5.11%
2014 100.244.000 0.75%
2015 106.773.000 6.11%
2016 106.658.000 -0.11%
2017 105.737.000 -0.87%
2018 112.505.000 6.02%
2019 114.423.000 1.68%
2020 114.633.000 0.18%
2021 117.952.000 2.81%
2022 118.700.000 0.63%
2023 126.237.000 5.97%
2024 120.412.000 -4.84%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

TFS Financial Corporation EBITDA
Year EBITDA Growth
2002 336.736.000
2003 328.560.000 -2.49%
2004 55.467.000 -492.35%
2005 344.050.000 83.88%
2006 362.433.000 5.07%
2007 395.283.000 8.31%
2008 420.862.000 6.08%
2009 295.722.000 -42.32%
2010 247.061.000 -19.7%
2011 211.324.000 -16.91%
2012 192.025.000 -10.05%
2013 219.095.000 12.36%
2014 215.393.000 -1.72%
2015 240.198.000 10.33%
2016 259.758.000 7.53%
2017 284.325.000 8.64%
2018 308.455.000 7.82%
2019 125.162.000 -146.44%
2020 133.065.000 5.94%
2021 132.662.000 -0.3%
2022 261.026.000 49.18%
2023 93.367.000 -179.57%
2024 -13.032.000 816.44%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

TFS Financial Corporation Gross Profit
Year Gross Profit Growth
2002 44.736.000
2003 81.468.000 45.09%
2004 0 0%
2005 226.218.000 100%
2006 190.274.000 -18.89%
2007 244.591.000 22.21%
2008 267.642.000 8.61%
2009 298.280.000 10.27%
2010 285.475.000 -4.49%
2011 277.563.000 -2.85%
2012 286.614.000 3.16%
2013 297.021.000 3.5%
2014 293.333.000 -1.26%
2015 294.387.000 0.36%
2016 295.367.000 0.33%
2017 298.745.000 1.13%
2018 302.477.000 1.23%
2019 285.885.000 -5.8%
2020 295.519.000 3.26%
2021 286.929.000 -2.99%
2022 291.200.000 1.47%
2023 304.996.000 4.52%
2024 764.604.000 60.11%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

TFS Financial Corporation Net Profit
Year Net Profit Growth
2002 21.837.000
2003 51.986.000 57.99%
2004 55.467.000 6.28%
2005 64.508.000 14.02%
2006 43.539.000 -48.16%
2007 25.611.000 -70%
2008 54.490.000 53%
2009 14.395.000 -278.53%
2010 11.338.000 -26.96%
2011 9.340.000 -21.39%
2012 11.479.000 18.63%
2013 55.959.000 79.49%
2014 65.891.000 15.07%
2015 72.591.000 9.23%
2016 80.553.000 9.88%
2017 88.877.000 9.37%
2018 85.407.000 -4.06%
2019 80.237.000 -6.44%
2020 83.317.000 3.7%
2021 81.007.000 -2.85%
2022 74.565.000 -8.64%
2023 75.250.000 0.91%
2024 79.812.000 5.72%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

TFS Financial Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

TFS Financial Corporation Free Cashflow
Year Free Cashflow Growth
2005 -97.137.000
2006 352.659.000 127.54%
2007 273.441.000 -28.97%
2008 23.835.000 -1047.22%
2009 267.773.000 91.1%
2010 112.127.000 -138.81%
2011 132.952.000 15.66%
2012 148.294.000 10.35%
2013 137.991.000 -7.47%
2014 100.692.000 -37.04%
2015 96.580.000 -4.26%
2016 75.789.000 -27.43%
2017 104.543.000 27.5%
2018 138.618.000 24.58%
2019 99.223.000 -39.7%
2020 118.591.000 16.33%
2021 81.818.000 -44.94%
2022 36.229.000 -125.84%
2023 85.621.000 57.69%
2024 111.137.000 22.96%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

TFS Financial Corporation Operating Cashflow
Year Operating Cashflow Growth
2005 -95.719.000
2006 356.150.000 126.88%
2007 273.441.000 -30.25%
2008 29.003.000 -842.8%
2009 272.017.000 89.34%
2010 116.524.000 -133.44%
2011 135.568.000 14.05%
2012 155.626.000 12.89%
2013 140.810.000 -10.52%
2014 103.508.000 -36.04%
2015 102.102.000 -1.38%
2016 84.914.000 -20.24%
2017 108.693.000 21.88%
2018 146.991.000 26.05%
2019 103.001.000 -42.71%
2020 121.798.000 15.43%
2021 83.155.000 -46.47%
2022 38.929.000 -113.61%
2023 90.722.000 57.09%
2024 111.971.000 18.98%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

TFS Financial Corporation Capital Expenditure
Year Capital Expenditure Growth
2005 1.418.000
2006 3.491.000 59.38%
2007 0 0%
2008 5.168.000 100%
2009 4.244.000 -21.77%
2010 4.397.000 3.48%
2011 2.616.000 -68.08%
2012 7.332.000 64.32%
2013 2.819.000 -160.09%
2014 2.816.000 -0.11%
2015 5.522.000 49%
2016 9.125.000 39.48%
2017 4.150.000 -119.88%
2018 8.373.000 50.44%
2019 3.778.000 -121.63%
2020 3.207.000 -17.8%
2021 1.337.000 -139.87%
2022 2.700.000 50.48%
2023 5.101.000 47.07%
2024 834.000 -511.63%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

TFS Financial Corporation Equity
Year Equity Growth
2002 801.628.000
2003 852.147.000 5.93%
2005 973.874.000 12.5%
2006 1.012.594.000 3.82%
2007 1.986.201.000 49.02%
2008 1.843.652.000 -7.73%
2009 1.745.865.000 -5.6%
2010 1.752.897.000 0.4%
2011 1.773.924.000 1.19%
2012 1.806.850.000 1.82%
2013 1.871.477.000 3.45%
2014 1.839.457.000 -1.74%
2015 1.729.370.000 -6.37%
2016 1.660.458.000 -4.15%
2017 1.689.959.000 1.75%
2018 1.758.404.000 3.89%
2019 1.696.754.000 -3.63%
2020 1.671.853.000 -1.49%
2021 1.732.280.000 3.49%
2022 1.844.339.000 6.08%
2023 1.927.361.000 4.31%
2024 1.915.064.000 -0.64%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

TFS Financial Corporation Assets
Year Assets Growth
2002 8.167.514.000
2003 8.417.537.000 2.97%
2005 8.913.820.000 5.57%
2006 8.595.567.000 -3.7%
2007 10.278.029.000 16.37%
2008 10.786.451.000 4.71%
2009 10.598.840.000 -1.77%
2010 11.076.027.000 4.31%
2011 10.892.948.000 -1.68%
2012 11.518.125.000 5.43%
2013 11.276.396.000 -2.14%
2014 11.810.784.000 4.52%
2015 12.378.491.000 4.59%
2016 12.914.078.000 4.15%
2017 13.692.563.000 5.69%
2018 14.138.117.000 3.15%
2019 14.542.356.000 2.78%
2020 14.642.221.000 0.68%
2021 14.057.450.000 -4.16%
2022 15.790.198.000 10.97%
2023 16.917.726.000 6.66%
2024 17.034.939.999 0.69%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

TFS Financial Corporation Liabilities
Year Liabilities Growth
2002 105.433.000
2003 7.565.390.000 98.61%
2005 7.939.946.000 4.72%
2006 7.582.973.000 -4.71%
2007 8.291.828.000 8.55%
2008 8.942.799.000 7.28%
2009 8.852.975.000 -1.01%
2010 9.323.130.000 5.04%
2011 9.119.024.000 -2.24%
2012 9.711.275.000 6.1%
2013 9.404.919.000 -3.26%
2014 9.971.327.000 5.68%
2015 10.649.121.000 6.36%
2016 11.253.620.000 5.37%
2017 12.002.604.000 6.24%
2018 12.379.713.000 3.05%
2019 12.845.602.000 3.63%
2020 12.970.368.000 0.96%
2021 12.325.170.000 -5.23%
2022 13.945.859.000 11.62%
2023 5.273.637.000 -164.44%
2024 15.119.876.000 65.12%

TFS Financial Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2.3
Net Income per Share
0.29
Price to Earning Ratio
43.02x
Price To Sales Ratio
5.49x
POCF Ratio
19.15
PFCF Ratio
19.68
Price to Book Ratio
1.82
EV to Sales
12.14
EV Over EBITDA
645.19
EV to Operating CashFlow
42.68
EV to FreeCashFlow
43.49
Earnings Yield
0.02
FreeCashFlow Yield
0.05
Market Cap
3,51 Bil.
Enterprise Value
7,76 Bil.
Graham Number
6.71
Graham NetNet
-50.33

Income Statement Metrics

Net Income per Share
0.29
Income Quality
2.27
ROE
0.04
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.79
EBT Per Ebit
0.9
Ebit per Revenue
0.17
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.2
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.17
Pretax Profit Margin
0.16
Net Profit Margin
0.12

Dividends

Dividend Yield
0.09
Dividend Yield %
9.03
Payout Ratio
0.73
Dividend Per Share
1.13

Operating Metrics

Operating Cashflow per Share
0.65
Free CashFlow per Share
0.64
Capex to Operating CashFlow
0.02
Capex to Revenue
0.01
Capex to Depreciation
0.18
Return on Invested Capital
0.01
Return on Tangible Assets
0
Days Sales Outstanding
33.47
Days Payables Outstanding
67.65
Days of Inventory on Hand
-90.84
Receivables Turnover
10.91
Payables Turnover
5.4
Inventory Turnover
-4.02
Capex per Share
0.01

Balance Sheet

Cash per Share
3,89
Book Value per Share
6,88
Tangible Book Value per Share
6.85
Shareholders Equity per Share
6.88
Interest Debt per Share
18.6
Debt to Equity
2.51
Debt to Assets
0.28
Net Debt to EBITDA
353.15
Current Ratio
0.3
Tangible Asset Value
1,91 Bil.
Net Current Asset Value
-14,50 Bil.
Invested Capital
-1432130000
Working Capital
-1,47 Bil.
Intangibles to Total Assets
0
Average Receivables
0,06 Bil.
Average Payables
0,02 Bil.
Average Inventory
-340212500
Debt to Market Cap
1.37

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

TFS Financial Corporation Dividends
Year Dividends Growth
2008 0
2009 0 0%
2010 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 1 0%
2018 1 0%
2019 1 100%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

TFS Financial Corporation Profile

About TFS Financial Corporation

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. Its deposit products include savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. The company also provides residential real estate mortgage loans, residential construction loans, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, it offers escrow and settlement services. The company provides its products and services through its main office in Cleveland, Ohio; and 37 full-service branches and 7 loan production offices located throughout the states of Ohio and Florida. The company was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

CEO
Mr. Marc A. Stefanski
Employee
995
Address
7007 Broadway Avenue
Cleveland, 44105

TFS Financial Corporation Executives & BODs

TFS Financial Corporation Executives & BODs
# Name Age
1 Mr. Andrew James Rubino
Vice President & Chief Information Officer of Third Federal Savings and Loan
70
2 Ms. Susanne Noel Miller
Chief Accounting Officer
70
3 Mr. Timothy W. Mulhern
Chief Innovation Officer
70
4 Mr. Marc A. Stefanski
Chairman, President & Chief Executive Officer
70
5 Ms. Meredith S. Weil
Chief Financial Officer, Corporate Secretary & Director
70
6 Ms. Cathy W. Zbanek
Vice President & Chief Synergy Officer
70
7 Mr. Bradley T. Stefanski
Chief Strategy Officer of Third Federal Savings and Loan Association of Cleveland
70
8 Mr. Gavin B. Stefanski
Chief Experience Officer
70
9 Ms. Deborah L. Hand
Chief Risk Officer
70
10 Ms. Sandra M. Long
Chief Consumer Banking Officer
70

TFS Financial Corporation Competitors