TFS Financial Corporation (TFSL) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
TFS Financial Corporation stock (TFSL) is currently trading at $13.70. TFS Financial Corporation PE ratio is 42.50. TFS Financial Corporation PS ratio (Price-to-Sales) is 11.66. Analyst consensus price target for TFSL is $14.50. WallStSmart rates TFSL as Underperform.
- TFSL PE ratio analysis and historical PE chart
- TFSL PS ratio (Price-to-Sales) history and trend
- TFSL intrinsic value — DCF, Graham Number, EPV models
- TFSL stock price prediction 2025 2026 2027 2028 2029 2030
- TFSL fair value vs current price
- TFSL insider transactions and insider buying
- Is TFSL undervalued or overvalued?
- TFS Financial Corporation financial analysis — revenue, earnings, cash flow
- TFSL Piotroski F-Score and Altman Z-Score
- TFSL analyst price target and Smart Rating
TFS Financial Corporation
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TFSL Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · TFS Financial Corporation (TFSL)
TFSL trades 587% above its Graham fair value of $2.18, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
TFS Financial Corporation (TFSL) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around peg ratio and return on equity. Fundamentals are solid but monitor weak areas for improvement.
TFS Financial Corporation (TFSL) Key Strengths (5)
Keeps $38 of every $100 in revenue after operating costs
Keeps $28 of every $100 in revenue as net profit
93.90% of shares held by major funds and institutions
Trading at 1.98x book value, attractively priced
Mid-cap company balancing growth potential with stability
TFS Financial Corporation (TFSL) Areas to Watch (5)
Earnings declining -0.80%, profits shrinking
Very low returns on shareholder equity
Very expensive relative to growth, significant premium
Very expensive at 11.7x annual revenue
Solid revenue growth at 11.00% per year
Supporting Valuation Data
TFS Financial Corporation (TFSL) Detailed Analysis Report
Overall Assessment
This company scores 54/100 in our Smart Analysis, earning a C- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 2.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including Price/Book (1.98) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 37.50%, Profit Margin at 27.70%.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, PEG Ratio. Some valuation metrics including PEG Ratio (72.62), Price/Sales (11.66) suggest expensive pricing. Growth concerns include Revenue Growth at 11.00%, EPS Growth at -0.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 4.76%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 4.76% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 11.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (EPS Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
TFSL Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
TFSL's Price-to-Sales ratio of 11.66x trades at a 36% premium to its historical average of 8.59x (85th percentile). The current valuation is 14% below its historical high of 13.51x set in Dec 2023, and 157% above its historical low of 4.54x in Mar 2025. Over the past 12 months, the PS ratio has expanded from ~4.5x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for TFS Financial Corporation (TFSL) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
TFS Financial Corporation is a mature, profitable business with steady cash generation. Revenue reached 327M with 11% growth year-over-year. Profit margins are strong at 27.7%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 27.7% and operating margin of 37.5% demonstrate strong pricing power and operational efficiency.
Generating 57M in free cash flow and 59M in operating cash flow. Earnings are translating into actual cash generation.
ROE of 4.8% suggests the company isn't efficiently converting equity into profits.
Debt-to-equity ratio of 2.60 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Dividend sustainability with a current yield of 8.3%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 4.9B is significantly higher than cash (27M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact TFS Financial Corporation.
Bottom Line
TFS Financial Corporation is a well-established business delivering consistent profitability with 27.7% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(12 last 3 months)
| Insider | Type | Shares |
|---|---|---|
ASHER, ANTHONY J Director | Buy | +5,000 |
| Insider | Type | Shares |
|---|---|---|
STEFANSKI, GAVIN B Chief Experience Officer | Sell | -7,000 |
| Insider | Type | Shares |
|---|---|---|
STEFANSKI, MARC A Director, Chairman, President and CEO | Sell | -36,844 |
| Insider | Type | Shares |
|---|---|---|
STEFANSKI, MARC A Director, Chairman, President and CEO | Sell | -1,000 |
| Insider | Type | Shares |
|---|---|---|
STEFANSKI, MARC A Director, Chairman, President and CEO | Sell | -7,149 |
| Insider | Type | Shares |
|---|---|---|
ANDERSON, BARBARA J. Director | Sell | -11,000 |
Data sourced from SEC Form 4 filings
Last updated: 10:02:13 AM
About TFS Financial Corporation(TFSL)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
TFS Financial Corporation, provides retail banking services for consumers in the United States.