NASDAQ · Banks - Regional

TFSL (TFSL) Stock

$18.08 -0.60% NASDAQ: TFSL Financial Services

Valuation

MetricValue
Price$18.08
Market Cap$5.07B
P/E Ratio45.42
P/B Ratio2.17
P/S Ratio5.16
EPS (TTM)$0.33
52-Week High$18.36
52-Week Low$12.54
Dividend Yield7.54%

Financials & Margins

MetricValue
ROE4.87%
ROA0.54%
ROCE6.07%
Gross Margin14.52%
Operating Margin39.18%
Net Margin11.42%
Debt/Equity2.67
Current Ratio0.05

Annual Financials (USD)

Metric20212022202320242025
Revenue$445.0M$433.0M$633.0M$759.0M$792.0M
Operating Profit$100.0M$92.0M$93.0M$100.0M$115.0M
Net Profit$81.0M$75.0M$75.0M$80.0M$91.0M
EPS$0.29$0.26$0.26$0.28$0.32
Op Margin22.5%21.3%14.7%13.2%14.5%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$14.1B$15.8B$16.9B$17.1B$17.5B
Total Liabilities$12.3B$13.9B$15.0B$15.2B$15.6B
Cash$488.0M$370.0M$467.0M$464.0M$429.0M
Borrowings$3.1B$4.8B$5.3B$4.8B$4.9B

Latest News

TFS Financial (TFSL): Buy, Sell, or Hold Post Q1 Earnings? StockStory · Jul 21, 2026 1 Small-Cap Stock Worth Investigating and 2 That Underwhelm StockStory · Jul 17, 2026 Thrifts & Mortgage Finance Stocks Q3 Results: Benchmarking TFS Financial (NASDAQ:TFSL) StockStory · Jul 16, 2026 3 Reasons TFSL is Risky and 1 Stock to Buy Instead StockStory · Jul 16, 2026 Travelers Financial Solutions Announces Partnership With SCHWING America to Expand White-Label Equipment Financing Services ACCESS Newswire · Jul 15, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$83.0M$39.0M$91.0M$89.0M$82.0M
Investing Cash Flow$546.0M$-1.9B$-1.0B$-128.0M$-395.0M
Financing Cash Flow$-154.0M$1.2B$384.0M$572.0M$244.0M
Net Cash Flow$-10.0M$-119.0M$97.0M$-3.0M$-34.0M
Free Cash Flow$82.0M$36.0M$86.0M$86.0M$71.0M

Valuation & Return Ratios

MetricValue
PEG Ratio72.62
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y52.38%
Return 3Y77.37%
Return 5Y41.48%

Ownership

Insiders Held0.46%
Institutions Held94.96%
Institutions Float Held95.40%
Institutional HolderSharesReport Date
Blackrock Inc.3,747,5262026-03-31
Dimensional Fund Advisors LP3,083,7922026-03-31
Lakewood Capital Management, LP2,835,3822026-03-31
Renaissance Technologies, LLC2,549,4912026-03-31
Vanguard Capital Management LLC2,355,0012026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ASB $31.06 +1.37% 10.23 $5.15B 3.23%
CADECadence Bank $42.11 -1.66% 14.83 $7.85B 2.61%
EBC $23.50 -0.21% 48.05 $5.43B 2.71%
FULT $24.68 +1.15% 10.06 $4.72B 3.50%
INTR $5.41 -3.22% 9.41 $2.39B 1.94%

About TFSL

TFSL stock trades at $18.08 with a market capitalization of $5.07B. The stock is valued at a price-to-earnings (P/E) ratio of 45.42, price-to-book of 2.17, price-to-sales of 5.16. Over the past 52 weeks the stock has ranged between $12.54 and $18.36, and currently trades 1.5% below its 52-week high. It pays a dividend yielding 7.54%.

On profitability, TFSL generates a return on equity (ROE) of 4.87%, return on capital employed of 6.07%, an operating margin of 39.18%, a net profit margin of 11.42%.

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