TFS Financial Corporation (TFSL)
SobrevaloradaFundamental
55
Precio
$16.20
Capitalización Bursátil
$4.54B
Parte 1 · Cuánto vale la empresa
Resumen
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. It also provides residential real estate mortgage loans, residential construction loans, purchase mortgages, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, the company offers escrow and settlement services. TFS Financial Corporation 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.
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Direct competitors
Who this company fights with for the same customers
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Balance y Liquidez
Ingresos
$344M
Últimos 12 meses (hasta 30/6/2026)
Beneficio Neto
$102M
Últimos 12 meses (hasta 30/6/2026)
Flujo de Caja Libre
$71M
Patrimonio Neto Total
$1.89B
Pasivo Total
$15.56B
Ratio de Liquidez
-
Cobertura de Intereses
0.41
Deuda/EBITDA
-
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$9.85
Precio Actual
$16.20
Margen de Seguridad
-64.5%
Rango de Valor Justo
$6.40 - $13.29
Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.
Métodos de Estimación
Métricas de Valoración
Ratio P/E
45.00
ROE
4.8%
Ratio P/B
2.32
P/FCF
52.66
Margen Bruto
-
ROIC
-
Radar de Rentabilidad
Creación de Valor (Ventaja Competitiva)
ROIC
-
WACC
6.0%
ROIC − WACC
-
Criterios de Análisis Fundamental
Superado (13)
- EPS shows upward trend
- EPS CAGR 12.30%
- P/B Ratio 2.32
- Operating Margin 37.7%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Revenue Growth 5Y 6.7%
- Earnings Surprise avg 10.0%
- Earnings Quality (OCF/NI) 0.96
- Share Dilution 0.0%
- Net Margin Trend 29.7% vs 26.7%
- Piotroski F-Score 5/9
Fallido (10)
- Price CAGR -1.42%
- P/FCF 52.66
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- Price below Graham Number
- DCF valuation (Overvalued)
- ROE 5.3%
- Analyst Consensus 0% Buy
- PEG Ratio 27.48
No disponible (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Señales mixtas: algunas áreas requieren atención
Calidad de los Beneficios
Moderada: cierta brecha entre beneficios y efectivo
Dilución de Acciones
Recomprando acciones. Favorable para el accionista
Participaciones institucionales
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. Marc A. Stefanski | Chairman, President & CEO | 71 |
| Ms. Meredith S. Weil | CFO, Corporate Secretary & Treasurer | 58 |
| Mr. Andrew James Rubino | VP & COO | 49 |
| Ms. Cathy W. Zbanek | VP & Chief Synergy Officer of Third Federal Savings and Loan Association of Cleveland | 52 |
| Mr. Bradley T. Stefanski | VP & Chief Strategy Officer of Third Federal Savings and Loan | 36 |
| Ms. Susanne Noel Miller | Chief Accounting Officer | 59 |
| Mr. Timothy W. Mulhern | VP & Chief Innovation Officer of Third Federal Savings and Loan Association of Cleveland | 58 |
| Mr. Gavin B. Stefanski | Chief Experience Officer of Third Federal Savings and Loan | 36 |
| Ms. Deborah L. Hand | Chief Risk Officer | 50 |
| Ms. Sandra M. Long | Chief Consumer Banking Officer of Third Federal Savings and Loan Association of Cleveland | 55 |
Riesgo de Auditoría
7
Riesgo del Consejo
6
Riesgo de Compensación
10
Riesgo de Derechos del Accionista
6
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Documentos
- Ver documento
Informe anual (10-K)
Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.
Presentado el 2025-11-25
- Ver documento
Informe trimestral (10-Q)
Una actualización del desempeño financiero de los últimos tres meses.
Presentado el 2026-08-06
- Ver documento
Informe de hecho relevante (8-K)
Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.
Presentado el 2026-09-24
via SEC EDGAR
Historial de Resultados
via SEC EDGAR
Latest News
Recent headlines for TFSL, sourced from Markets Gazette.