TFS Financial Corporation (TFSL)

被高估

Financial ServicesBanks - RegionalUnited States

基本面

价格

$16.33

市值

$4.54B

Yahoo Finance TradingView 新闻官网

第一部分 · 这家公司值多少

概览

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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资产负债表与流动性

营收

$344M

最近12个月（截至2026/6/30）

净利润

$102M

最近12个月（截至2026/6/30）

自由现金流

$71M

股东权益合计

$1.89B

负债合计

$15.56B

流动比率

利息覆盖率

0.41

债务/EBITDA

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

增长一览表

增长 — 营业收入

公允价值估算

银行被高估

公允价值

$9.85

当前价格

$16.33

安全边际

-65.8%

公允价值区间

$6.40 - $13.29

所用估值方法之间的离散区间，并非经过统计校准的置信区间。

估算方法

分析师目标价:$19.00

现金流折现法（DCF）:不适用于此类公司

市盈率法（P/E）:$15.58

格雷厄姆成长公式:不适用于此类公司

盈利能力价值（EPV）:不适用于此类公司

合理市净率（P/B）:$3.45

股息折现模型（戈登模型）:$3.17

P/FFO（运营资金）:不适用于此类公司

周期中段收益:不适用于此类公司

市销率法（P/S）:不适用于此类公司

分析师共识:卖出 (0B / 4H / 3S)

最近财报超预期:+34.80%

估值指标

市盈率（P/E）

45.00

ROE

4.8%

市净率（P/B）

2.32

P/FCF

52.66

毛利率

ROIC

盈利能力雷达图

价值创造（经济护城河）

ROIC

WACC

6.0%

ROIC − WACC

基本面分析标准

通过（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

未通过（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

不可用（5）

ROIC NaN%
Gross Margin NaN%
Dividend Payout NaN%
Current Ratio
Debt/EBITDA

Piotroski F-评分

5/9

信号混杂：部分领域需关注

score

criteria

盈利质量

0.96

中等：利润与现金之间存在一定差距

股权稀释

0.0%

正在回购股份，对股东友好

机构持股

公司治理

管理团队

姓名	职位	年龄
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

审计风险

董事会风险

薪酬风险

股东权利风险

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有：它帮助你在基本面说服你之后，选择何时买入。包含：技术分析、潜力、历史回撤、Gamma 敞口。

文件

年度报告（10-K）
对公司业务、财务业绩和风险的年度概述。
提交日期：2025-11-25
查看文件
季度报告（10-Q）
最近三个月财务表现的最新情况。
提交日期：2026-08-06
查看文件
临时报告（8-K）
关于重大事件（如管理层变动或重要公告）的通知。
提交日期：2026-09-24
查看文件

via SEC EDGAR

损益历史

via SEC EDGAR

Latest News

Recent headlines for TFSL, sourced from Markets Gazette.

No recent news for TFSL.