TFS Financial Corporation (TFSL) fair value analysis
Nasdaq · Updated 2026-10-19
TFSL price how computed
Forward Fair Value verdict
Fairly valuedTFSL is trading at within about 10% of estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $16.33
- Sector
- Financial Services
- 12-month range
- $13.25–$18.61
- Market cap
- $4.58B
- From 52-week high
- -12.3%
- Shares outstanding
- 280M
- Rank in Financial Services by discount to fair value
- #106 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
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.
TFSL currently ranks #106 of 167 Financial Services stocks by discount to fair value. It has screened as Fairly valued for 4 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $4.58B
- P/E (trailing)
- 45x
- Revenue (TTM)
- $818M
- Net margin
- 12.5%
- EPS (TTM)
- $0.36
- Gross margin
- 40.3%
- Debt / equity
- 2.97
- Revenue growth (3-yr avg)
- 5.4%
- Shares outstanding
- 280M
Derived indicators how computed
- Quality grade
- D
- Margin trend
- Expanding
- 52-week position
- The upper-middle quarter of its range
Technicals how computed
- RSI (14-day)
- 44 · neutral
- 50-day average
- $17.00
- 200-day average
- $15.81
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $1.17 per share (4 payments)
- Yield on last price
- 7.14%
- Consecutive years of increases
- 0 (no streak on complete calendar years)
- Last ex-dividend date
- 2026-09-09
- Last payment date
- 2026-09-23
Earnings how computed
- Next earnings report
- 2026-10-29
- Last 8 quarters vs consensus
- 3 beat, 1 missed
- Quarter by quarter
- 2026-06 ▲ beat (+37.5%)
2026-03 ▬ met (0.0%)
2025-12 ▼ miss (-11.1%)
2025-09 ▲ beat (+12.5%)
2025-06 ▬ met (0.0%)
2025-03 ▬ met (0.0%)
2024-12 ▲ beat (+33.3%)
2024-09 ▬ met (0.0%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 0 buy · 2 hold · 0 sell (2 analysts)
- Consensus lean
- Hold-leaning
- Consensus price target
- $18.2
- Target vs last price
- +11.5%
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 middle of their 12-month price range of $13.25–$18.61.
- The 14-day relative strength index sits at a neutral 44.
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
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
What people are saying
Follow the TFSL conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — TFSL's positioning within the Financial Services sector has improved this week. The stock's sector discount rank moved from 117 to 111, indicating a strengthened position relative to peers, while the valuation verdict shifted from Overvalued to Fairly valued, reflecting a more balanced assessment of the company's current market price relative to its fundamentals.
- 2026-10-05 — TickrTrends' derived indicators for TFSL show a shift in sector positioning this week, with the sector discount rank moving from #113 to #118. This change reflects a relative deterioration in valuation metrics compared to peers in the Financial Services sector. The current valuation verdict remains Overvalued.
- 2026-09-28 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is TFSL stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), TFSL is trading at within about 10% of estimated fair value and screens as fairly valued. The exact fair value and discount are available to subscribers.
What is TFSL's TickrTrends verdict?
TFSL's current verdict is Fairly valued, refreshed with every weekly Forward Fair Value run.
How does TFSL compare to other Financial Services stocks?
TFSL ranks #106 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is TFSL overbought or oversold?
TFSL's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does TFSL pay a dividend?
Yes. TFSL paid $1.17 per share over the last twelve months (4 payments), a 7.14% yield on TickrTrends' last price. The last ex-dividend date was 2026-09-09.
When does TFSL report earnings next?
TFSL's next earnings report is scheduled for 2026-10-29, per the published earnings calendar.
Does TFSL usually beat earnings estimates?
Over its last 8 reported quarters TFSL beat the consensus estimate 3 times and missed 1 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about TFSL?
Of 2 analysts covering TFSL, 0 rate it a buy, 2 a hold and 0 a sell - hold-leaning, with a consensus price target of $18.2 (+11.5% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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