Stocktoria
TFS Financial CORP TFSL
TFS Financial CORP (TFSL) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 1.21% (safety: stretched).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-05-04 | Piper Sandler | Neutral (main) |
| 2026-05-04 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2024-05-02 | Keefe, Bruyette & Woods | Market Perform (reit) |
| 2016-08-19 | Piper Sandler | Neutral (down) |
| 2015-12-04 | Piper Sandler | Overweight (main) |
| 2015-06-05 | Piper Sandler | Overweight (init) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| TFSL | TFS Financial CORP | 4/9 | — | 53.9 | — |
| NRIM | NORTHRIM BANCORP INC | 6/9 | — | 9.6 | +30.4% |
| EBC | Eastern Bankshares, Inc. | 3/9 | — | 57.9 | +19.1% |
| PFS | PROVIDENT FINANCIAL SERVICES INC | 5/9 | — | 10.6 | +7.1% |
| AX | Axos Financial, Inc. | 5/9 | — | 12.6 | +1.8% |
| BKU | BankUnited, Inc. | 7/9 | — | 13.3 | +7.4% |
| CFFN | Capitol Federal Financial, Inc. | 5/9 | — | 15.8 | +6.5% |
All Finance, Insurance & Real Estate companies →
About TFS Financial CORP
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.
FAQ
Is TFSL financially healthy?
TFS Financial CORP's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does TFSL pay a dividend, and is it safe?
Yes. TFS Financial CORP pays a dividend yielding about 1.21% with a 65.5% payout ratio, rated “stretched” for safety.
How profitable is TFSL?
In FY2025, TFS Financial CORP had a return on equity of 4.8%.
Is TFSL overvalued or undervalued?
TFS Financial CORP trades at about 54.5× trailing earnings — near its 10-year norm (10-year range 41.6×–68.8×, median 54.0×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for TFSL?
The average Wall-Street price target for TFS Financial CORP is $15.50, about 11.2% below the recent price, from 2 analysts.
Is TFSL a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on TFS Financial CORP: a Piotroski F-score of 4/9, a P/E of about 53.9×, a dividend yield of 1.21%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-09-30. Facts plus Stocktoria's own computed scores — not investment advice.