TFS Financial Corporation (TFSL) fair value analysis

Nasdaq · Updated 2026-09-07

TFS Financial Corporation is a financial services company that operates through its subsidiary, Third Federal Savings and Loan Association, primarily offering retail banking services including deposits, loans, and related financial products. The company operates through branch locations concentrated in the Ohio region, serving customers in that geographic market.

Forward Fair Value verdict

Overvalued

Based on TickrTrends' weekly Forward Fair Value model, TFSL is trading at a 10–25% premium to estimated fair value.

TFSL currently ranks #118 of 165 Financial Services stocks by discount to Forward Fair Value. It has screened as Overvalued for 3 consecutive weekly runs.

Last price: $18.44
Sector: Financial Services
12-month range: $12.40–$18.44

Derived indicators

Coarse bands from TickrTrends' weekly models; exact figures are part of the full report.

Quality grade: D
Leverage: Low
RSI zone: Neutral
50/200-day trend: Uptrend
52-week position: The top quarter of its range

What our data shows for TFSL

Our model validated 17 trailing price-to-earnings windows for TFSL, built from quarterly earnings records.
Shares are trading in the upper third of their 12-month price range of $12.40–$18.44.
The 14-day relative strength index sits at a neutral 39.

The exact numbers are one step away

The precise Forward Fair Value dollar figure for TFSL
Exact discount / premium to today's price
The normalized historical P/E behind the estimate, and how many quarters support it
Forward EPS input and fiscal-year basis
Screeners and rankings across the full S&P 500 and Nasdaq universes

See the exact fair value →

How Forward Fair Value works

TickrTrends computes a Forward Fair Value for every covered stock each week: a conservatively normalized historical price-to-earnings multiple is applied to the analyst-consensus earnings estimate for the next full fiscal year. Every input window is validated for continuity and every result is screened for plausibility before publication.

Recent TFSL news

TickrTrends' derived news-sentiment signal for TFSL is currently leaning positive, computed from recent coverage.

TFS Financial: An Ohio Regional Bank With An Earnings Beat And Loan Growth (NASDAQ:TFSL) (seekingalpha.com, 2026-08-18)
TickrTrends take: TFSL demonstrated operational momentum through an earnings beat and loan growth, metrics that typically support higher valuations in the financial services sector. However, TickrTrends currently assigns an overvalued designation to the stock, suggesting the market may have already priced in these positive developments. For valuation-conscious investors, the key question is whether the company's earnings growth and loan expansion can sustain enough momentum to justify current price levels, or whether the overvaluation verdict signals limited room for upside without fundamental acceleration.
TFS Financial: The Dividend Looks Better Than The Fundamentals (NASDAQ:TFSL) (seekingalpha.com, 2026-06-02)
TickrTrends take: TFS Financial operates in the Financial Services sector where TickrTrends currently assesses its valuation as overvalued, which aligns with concerns that the dividend may be outpacing underlying business strength. Investors focused on valuation metrics should monitor whether the company's earnings growth and asset quality can sustain the current dividend payout level, as a disconnect between dividend attractiveness and fundamental performance often signals valuation risk. The overvalued designation suggests the market may be pricing in dividend stability without fully accounting for potential pressures on the fundamentals that support that income stream.

What people are saying

Follow the TFSL conversation: Stocktwits · Reddit · X

TickrTrends weekly updates

2026-09-07 — No material change this week: the verdict, bands and grades all held steady.
2026-09-06 — No material change this week: the verdict, bands and grades all held steady.
2026-08-31 — TickrTrends initiated weekly Forward Fair Value coverage of this stock.

Frequently asked questions

Is TFSL stock undervalued?

Based on TickrTrends' Forward Fair Value model (updated 2026-09-07), TFSL is trading at a 10–25% premium to estimated fair value and screens as overvalued. The exact fair value and discount are available to subscribers.

What is TFSL's TickrTrends verdict?

TFSL's current verdict is Overvalued, refreshed with every weekly Forward Fair Value run.

How does TFSL compare to other Financial Services stocks?

TFSL ranks #118 of 165 Financial Services stocks in TickrTrends' coverage when sorted by discount to Forward Fair Value.

Is TFSL overbought or oversold?

TFSL's 14-day RSI is in neutral territory - neither overbought nor oversold.

All Financial Services fair-value coverage →

Head-to-head comparisons

TFSL vs AFL · TFSL vs BOKF · TFSL vs C · TFSL vs FBNC · TFSL vs FFBC