Stock Scorecard
Stock Summary for TFS Financial Corporation (TFSL) - $13.54 as of 5/5/2025 9:20:27 PM EST
Total Score
8 out of 30
Safety Score
37 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for TFSL
| Positive earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for TFSL
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for TFSL
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for TFSL
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for TFSL (37 out of 100)
| Stock Price Rating (Max of 10) | 5 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 0 |
| Book Value (Max of 10) | 4 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 10 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 5 |
| Price to Earnings (Max of 10) | 2 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for TFSL
Financial Details for TFSL
Company Overview |
|
|---|---|
| Ticker | TFSL |
| Company Name | TFS Financial Corporation |
| Country | USA |
| Description | TFS Financial Corporation, provides retail banking services for consumers in the United States. |
| Sector Name | FINANCE |
| Industry Name | SAVINGS INSTITUTION, FEDERALLY CHARTERED |
| Most Recent Quarter | 12/31/2024 |
| Next Earnings Date | 7/28/2025 |
Stock Price History |
|
| Last Day Price | 13.54 |
| Price 4 Years Ago | 13.60 |
| Last Day Price Updated | 5/5/2025 9:20:27 PM EST |
| Last Day Volume | 322,531 |
| Average Daily Volume | 412,491 |
| 52-Week High | 14.37 |
| 52-Week Low | 11.23 |
| Last Price to 52 Week Low | 20.57% |
Valuation Measures |
|
| Trailing PE | 45.59 |
| Industry PE | 20.97 |
| Sector PE | 17.70 |
| 5-Year Average PE | 50.94 |
| Free Cash Flow Ratio | 104.15 |
| Industry Free Cash Flow Ratio | 8.46 |
| Sector Free Cash Flow Ratio | 25.60 |
| Current Ratio Most Recent Quarter | 28.46 |
| Total Cash Per Share | 0.13 |
| Book Value Per Share Most Recent Quarter | 5.71 |
| Price to Book Ratio | 1.92 |
| Industry Price to Book Ratio | 0.91 |
| Sector Price to Book Ratio | 2.26 |
| Price to Sales Ratio Twelve Trailing Months | 11.95 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.98 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.11 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 280,799,000 |
| Market Capitalization | 3,802,018,460 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 3/6/2025 |
| Previous Dividend Amount | 0.2825 |
| Current Dividend Amount | 0.2825 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 1.13 |
| Trailing Annual Dividend Yield | 8.55% |
| Forward Annual Dividend Rate | 1.13 |
| Forward Annual Dividend Yield | 8.55% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 9.20% |
| 5-Year Average Dividend Yield | 8.90% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.11% |
| All-Time Dividend Growth Rate Percentage | 17.05% |
| Dividend Payout Ratio | 389.66% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 0.00% |
| Annual Earnings Growth | 5.76% |
| Reported EPS 12 Trailing Months | 0.29 |
| Reported EPS Past Year | 0.15 |
| Reported EPS Prior Year | 0.27 |
| Net Income Twelve Trailing Months | 81,615,000 |
| Net Income Past Year | 79,588,000 |
| Net Income Prior Year | 75,250,000 |
| Quarterly Revenue Growth YOY | -0.60% |
| 5-Year Revenue Growth | 1.18% |
| Operating Margin Twelve Trailing Months | 38.90% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 36,429,000 |
| Total Cash Past Year | 1,556,000 |
| Total Cash Prior Year | 466,746,000 |
| Net Cash Position Most Recent Quarter | -4,659,312,000 |
| Net Cash Position Past Year | -4,820,044,000 |
| Long Term Debt Past Year | 4,821,600,000 |
| Long Term Debt Prior Year | 5,273,637,000 |
| Total Debt Most Recent Quarter | 4,695,741,000 |
| Equity to Debt Ratio Past Year | 0.28 |
| Equity to Debt Ratio Most Recent Quarter | 0.29 |
| Total Stockholder Equity Past Year | 1,862,624,000 |
| Total Stockholder Equity Prior Year | 1,927,361,000 |
| Total Stockholder Equity Most Recent Quarter | 1,896,657,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 100,898,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 0.36 |
| Free Cash Flow Past Year | 85,536,000 |
| Free Cash Flow Prior Year | 41,324,000 |
Options |
|
| Put/Call Ratio | 0.02 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.20 |
| MACD Signal | 0.07 |
| 20-Day Bollinger Lower Band | 11.50 |
| 20-Day Bollinger Middle Band | 12.54 |
| 20-Day Bollinger Upper Band | 13.58 |
| Beta | 0.65 |
| RSI | 63.40 |
| 50-Day SMA | 12.48 |
| 150-Day SMA | 11.71 |
| 200-Day SMA | 12.16 |
System |
|
| Modified | 5/3/2025 11:36:24 AM EST |