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TFS Financial

TFSL

TFS Financial Corporation is a mid-tier stock holding company that operates primarily through its principal subsidiary, Third Federal Savings and Loan Association of Cleveland.

Market cap
$5.07B+43.2%
Revenue$336.5M+10.5%
Net income$93.0M+14.0%
Free cash flow$109.8M-42.2%
EPS (diluted)$0.33+17.9%
Trailing twelve months · change vs. prior year

Earnings

Next report

Date not yet announced

Financials

Q2 2026

Income statement

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Revenue$85.2M+7.7%
Net income$23.2M+10.6%
EPS (diluted)$0.08+14.3%

Balance sheet

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Cash & equivalents$437.3M-5.7%
Total debt$1.7B+61.1%
Total equity$1.9B+1.4%
Total assets$17.5B+2.2%

Cash flow

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Operating cash flow$17.6M-16.9%
CapEx$4.2M-38.9%
Free cash flow$13.4M-6.2%

Valuation & ratios

Valuation

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Market cap$5.07B+43.2%
Enterprise value$6.31B+38.4%
P/E54.5×+11.5×
P/S15.1×+3.6×

Profitability

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Net margin27.6%+0.9pp

Returns & leverage

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Return on equity4.9%+0.6pp
Debt / equity0.9×+0.3×

Competitors

Profile

TFS Financial Corporation is a mid-tier stock holding company that operates primarily through its principal subsidiary, Third Federal Savings and Loan Association of Cleveland. The company focuses on traditional retail banking services, emphasizing residential mortgage lending and deposit gathering. Its core value proposition centers on providing mortgage financing and escrow services to consumers while maintaining a mutual holding company structure.

Competitive position

A regional financial institution operating under a mutual holding company structure with a specialized focus on the residential mortgage market.

GeographiesUnited States, Ohio, Florida, New Jersey
Customer segmentsRetail Consumers, Residential Borrowers
Business modelInterest Spread, Asset-based Lending
SuppliersFederal Reserve System, U.S. Treasury, Fannie Mae, Freddie Mac, Depositors
CustomersResidential Homebuyers, Retail Savers, Mortgage Refinancers
Listed2007
Employees995.0
CEOMarc A. Stefanski
FilingsSEC EDGAR

Questions, answered.

What is TFS Financial's market cap?
TFS Financial (TFSL) has a market capitalization of $5.1B and trades on NASDAQ.
What is TFS Financial's revenue and profitability?
TFS Financial generated $336.5M in trailing twelve-month revenue with net income of $93.0M, representing a net margin of 27.6%, with free cash flow of $109.8M. These figures are based on the Q1 2026 filing.
Who are TFS Financial's competitors?
TFS Financial's key competitors include KeyCorp, Huntington Bancshares, PNC Financial Services, and others. These companies compete in similar markets and product categories.
Who does TFS Financial partner with?
TFS Financial's notable partners include Fannie Mae, Freddie Mac.
What subsidiaries does TFS Financial have?
TFS Financial's subsidiaries include Third Federal Savings and Loan Association of Cleveland, Third Capital, Inc., Third Cap Associates, Inc..
Where is TFS Financial headquartered?
TFS Financial is headquartered in United States of America and employs approximately 995 people. It has been publicly traded since 2007.