Stocks · Financial Services · Banks - Regional
TFS Financial Corporation TFSL
$16.82 +2.31% Close, Oct 2, 2026 · NASDAQ · Market cap $4.72B
Strong growth
Next earnings report: Oct 29, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Net debt is 38.4× EBITDA, a high level of leverage.
- The stock is in an uptrend: above its 200-day average for 130 trading days, with the 50-day average above the 200-day.
- Diluted EPS over the last four quarters was $0.36, up 24.1% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 44%
- EPS growth (TTM, YoY)Top 45%
- FCF growth (TTM, YoY)Top 6%
- Revenue growth, 3-year CAGRTop 25%
- Revenue growth accelerationBottom 48%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 47%
- Gross marginBottom 15%
- Operating marginBottom 33%
- Cash conversion (OCF / net income)Bottom 35%
- Accruals (lower is better)Bottom 33%
- Net debt / EBITDA (lower is better)Bottom 3%
- Interest coverBottom 16%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 24%
- Free-cash-flow yieldBottom 28%
- EBITDA / enterprise valueBottom 28%
- Sales / enterprise valueBottom 7%
- P/E vs own 5-year history (lower is better)Top 26%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 20%
- 6-month returnTop 23%
- 1-year return vs S&P 500Top 23%
- Distance from 52-week highBottom 38%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 28%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 19%
- Upside to consensus price targetTop 40%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 37%
- Maximum drawdown, 3 yearsTop 33%
- Beta vs S&P 500 (lower is better)Top 30%
- Net debt / EBITDA (lower is better)Bottom 3%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 5.4% | 4.9% | ↓ |
| EPS growth (YoY) | 14.6% | 24.1% | ↑ |
| Gross margin | 39.6% | 41.1% | ↑ |
| Operating margin | 13.5% | 14.9% | ↑ |
| FCF margin | 3.2% | 10.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 4.9% | 5.4% | ↓ | Bottom 44% |
| EPS growth (TTM, YoY) | 24.1% | 14.6% | ↑ | Top 45% |
| Gross margin | 41.1% | 39.6% | ↑ | Bottom 15% |
| Operating margin | 14.9% | 13.5% | ↑ | Bottom 33% |
| Net margin | 12.5% | 10.7% | ↑ | — |
| Free-cash-flow margin | 10.5% | 3.2% | ↑ | — |
| Return on invested capital | 1.2% | — | Bottom 47% | |
| Revenue growth, 3-year CAGR | 22.3% | — | Top 25% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.96×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +0.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 38.41×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.27%
- Net buyback yield (TTM)
- 0.19%
- Shareholder yield
- 1.45%
- Share count change, 1 year
- +0.2%
- Share count change, 3-year CAGR
- +0.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- +9.7%
- Average 2-day reaction, last 8
- +0.5%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $20.00
- Target vs current price
- +18.9%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 25%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | +37.5% | -0.9% | +0.6% | -1.6% | — |
| Apr 30, 2026 | +0.0% | +2.2% | +2.6% | +7.5% | +22.8% |
| Jan 29, 2026 | -11.1% | +3.9% | +4.2% | +2.1% | +3.8% |
| Oct 30, 2025 | +12.5% | -1.2% | +2.6% | +7.5% | +6.2% |
| Jul 30, 2025 | +0.0% | -1.1% | +0.9% | +10.1% | +4.2% |
| Apr 30, 2025 | +0.0% | -1.1% | +2.1% | +1.1% | -3.1% |
| Jan 30, 2025 | +33.3% | +0.3% | +7.5% | +2.0% | +1.5% |
| Oct 30, 2024 | +0.0% | +2.2% | +0.0% | +10.4% | -1.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $0.11 | $0.08 | +37.5% | $89.3M |
| Apr 30, 2026 | $0.08 | $0.08 | +0.0% | $85.2M |
| Jan 29, 2026 | $0.08 | $0.09 | -11.1% | $83.7M |
| Oct 30, 2025 | $0.09 | $0.08 | +12.5% | $85.5M |
| Jul 30, 2025 | $0.08 | $0.08 | +0.0% | $82.0M |
| Apr 30, 2025 | $0.07 | $0.07 | +0.0% | $79.1M |
| Jan 30, 2025 | $0.08 | $0.06 | +33.3% | $74.8M |
| Oct 30, 2024 | $0.06 | $0.06 | +0.0% | $75.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 46.3× | 49.5× | 29th | Bottom 24% |
| P/E (forward) | 46.7× | — | — | — |
| EV / EBITDA | 69.7× | — | — | Bottom 28% |
| EV / Sales | 12.83× | — | — | Bottom 7% |
| Free-cash-flow yield | 1.83% | — | — | Bottom 28% |
| Earnings yield | 2.16% | — | — | Bottom 24% |
P/E over the past five years
Range 39.2× – 68.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +28.1%
- Earnings per share growth (TTM)
- +24.1%
- Change in P/E multiple
- +13.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 130
- 50-day average slope (20 days)
- -2.3%
- 200-day average slope (20 days)
- +1.9%
- Distance from 50-day average
- -3.3%
- Distance from 200-day average
- +7.1%
- RSI (14)
- 47.6
- Relative volume
- 1.44×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.4%
- Volatility vs own 5-year history
- 7th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.40
- Correlation with S&P 500
- 0.29
- Current drawdown from 1-year high
- -9.6%
- Maximum drawdown, 3 years
- -23.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 4, 2021 | Oct 23, 2023 | -50.9% | 600 days | Not yet recovered |
| Jan 14, 2021 | Feb 3, 2021 | -10.4% | 13 days | 11 days (Feb 19, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $4.72B
- P/E (TTM)
- 46.3
- EPS, diluted (TTM)
- $0.36
- Revenue (TTM)
- $818.1M
- Dividend yield
- 6.93%
- 52-week range
- $12.54 – $19.49
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $444.6M | $433.1M | $633.3M | $758.8M | $792.0M |
| Gross profit | $295.9M | $290.2M | $306.5M | $304.7M | $319.0M |
| Operating income | $100.1M | $92.1M | $93.4M | $100.3M | $114.7M |
| Net income | $81.0M | $74.6M | $75.3M | $79.6M | $91.0M |
| EPS (diluted) | $0.29 | $0.26 | $0.26 | $0.28 | $0.32 |
| Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $194.9M | $193.3M | $193.0M | $198.5M | $207.2M | $205.8M | $202.9M | $202.1M |
| Net income | $18.2M | $22.4M | $21.0M | $21.5M | $26.0M | $22.3M | $23.2M | $30.5M |
| EPS (diluted) | $0.06 | $0.08 | $0.07 | $0.08 | $0.09 | $0.08 | $0.08 | $0.11 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $83.2M | $38.9M | $90.7M | $88.6M | $82.4M |
| Capital expenditure | -$1.3M | -$2.7M | -$5.1M | -$3.1M | -$11.5M |
| Free cash flow | $81.8M | $36.2M | $85.6M | $85.5M | $71.0M |
| Dividends paid | -$56.6M | -$58.3M | -$58.3M | -$59.0M | -$59.5M |
| Net share buybacks | -$5.6M | -$6.3M | -$6.0M | -$1.9M | -$4.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $28.6M
- Total assets
- $18.07B
- Total liabilities
- $16.12B
- Total debt
- $5.81B
- Net debt
- $5.78B
- Shareholders’ equity
- $1.96B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 9, 2026 | $0.32 | Sep 23, 2026 |
| Jun 10, 2026 | $0.28 | Jun 24, 2026 |
| Mar 11, 2026 | $0.28 | Mar 25, 2026 |
| Dec 2, 2025 | $0.28 | Dec 16, 2025 |
| Sep 10, 2025 | $0.28 | Sep 24, 2025 |
| Jun 10, 2025 | $0.28 | Jun 24, 2025 |
| Mar 6, 2025 | $0.28 | Mar 20, 2025 |
| Dec 3, 2024 | $0.28 | Dec 17, 2024 |
Short interest
- Shares sold short
- 8,023,594
- Days to cover
- 12.29
- Change vs previous report
- +3.0%
FINRA short interest, settlement date Sep 15, 2026.