TFS Financial Corporation (TFSL)
割高ファンダメンタル
55
株価
$16.18
時価総額
$4.54B
パート1 · 企業の価値
概要
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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Who this company fights with for the same customers
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貸借対照表と流動性
売上高
$344M
直近12か月（2026/6/30まで）
純利益
$102M
直近12か月（2026/6/30まで）
フリーキャッシュフロー
$71M
自己資本合計
$1.89B
負債合計
$15.56B
流動比率
-
利払い倍率
0.41
負債/EBITDA
-
一株当たり利益（EPS）
売上高と純利益
フリーキャッシュフロー
収益内訳
財務推移表
利益率の推移
負債の推移
成長率グリッド
成長率 — 売上高
適正価値の推定
適正価値
$9.85
現在株価
$16.18
安全マージン
-64.3%
適正価値レンジ
$6.40 - $13.29
使用した評価手法間のばらつきであり、統計的に較正された信頼区間ではありません。
推定方法
バリュエーション指標
P/E レシオ
45.00
ROE
4.8%
P/B レシオ
2.32
P/FCF
52.66
粗利益率
-
ROIC
-
収益性レーダー
価値創造（経済的モート）
ROIC
-
WACC
6.0%
ROIC − WACC
-
ファンダメンタル分析基準
合格（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
不合格（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
データなし（5）
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-スコア
まちまちのシグナル：一部の領域に注意が必要
利益の質
中程度：利益とキャッシュの間にギャップがある
株式希薄化
株式を買い戻している。株主に友好的
機関投資家の保有
ガバナンス
経営陣
| 氏名 | 役職 | 年齢 |
|---|---|---|
| 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 |
監査リスク
7
取締役会リスク
6
報酬リスク
10
株主権利リスク
6
パート2 · 株価と買い時
この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容：テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。
業績推移
via SEC EDGAR
Latest News
Recent headlines for TFSL, sourced from Markets Gazette.