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TFS Financial Corporation (TFSL)

Financial Services | Banks - Regional | Cleveland, United States | NasdaqGS
17.53 USD -0.38 (-2.122%) ⇩ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 17.53

Short-term:★★⯪☆☆Long-term:★★⯪☆☆Dividends:★★⯪☆☆
Hot Take | Aug. 22, 2026, 1:10 a.m. EDT

The investment case for TFS Financial is currently bifurcated between a compelling income story and deteriorating business fundamentals. The 6.46% dividend yield is attractive, yet it is artificially inflated by a massive 314% payout ratio, meaning the company is distributing far more cash than it earns in profit; this is a classic warning sign of a dividend under pressure rather than a sustainable income stream. While the stock has recently rallied and shows positive year-over-year momentum, the nine-year price history tells a different story: the market has punished this business with a 25% cumulative decline over the last decade, erasing nearly a third of shareholder value. The disconnect between the rich valuation (nearly 49x trailing earnings) and the weak return on equity (5.3%) suggests the rally is priced on hopes of a turnaround that the balance sheet struggles to support. With insiders selling shares and analysts offering no specific guidance, the prudent view is to wait for clearer signs of profitability recovery before adding to the position.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.095739
MSTL0.099098
AutoETS0.099613
AutoARIMA0.099615

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 50%
H-stat 6.81
Ljung-Box p 0.000
Jarque-Bera p 0.138
Excess Kurtosis -1.13
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-08
Last Dividend Date 2026-06-09
Revenue per Share 1.245
Market Cap 4,916,161,536
Trailing P/E 50.09
Forward P/E 44.95
Beta 0.73
Profit Margins 29.39%
Website https://www.thirdfederal.com

As of Aug. 22, 2026, 1:10 a.m. EDT: Speculators are positioning defensively with heavy put open interest at deep strikes (12.5) for the January 2027 expiration, suggesting a fear of significant downside over the long term. Conversely, call activity is concentrated at the money and slightly out-of-the-money, indicating a belief that the stock will trade sideways or drift upward within the near term, though volume is thin compared to the put positioning.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
1.70% 7.93% 8.47% 8.13%
Dividend History
Date Dividend Yield %
2026-06-10 0.283 1.695626
2026-03-11 0.283 2.094745
2025-12-02 0.283 2.024321
2025-09-10 0.283 2.111940
2025-06-10 0.283 2.142316
2025-03-06 0.283 2.253185
2024-12-03 0.283 2.080882
2024-09-10 0.283 2.190402
2024-06-11 0.283 2.310204
2024-03-06 0.283 2.212666
2023-11-28 0.283 2.113517
2023-09-11 0.283 2.165264
2023-05-26 0.283 2.484636
2023-03-06 0.283 2.050725
2022-11-28 0.283 2.096296
2022-09-02 0.283 2.014235
2022-06-06 0.283 1.950379
2022-03-07 0.283 1.691572
2021-11-29 0.283 1.538880
2021-09-03 0.283 1.451282
2021-06-07 0.280 1.277372
2021-03-08 0.280 1.305361
2020-11-30 0.280 1.627907
2020-09-08 0.280 1.886792
2020-06-08 0.280 1.701094
2020-03-09 0.280 1.402806
2019-12-02 0.270 1.365015
2019-08-30 0.270 1.541976
2019-06-10 0.250 1.418842
2019-03-04 0.250 1.480166
2018-11-27 0.250 1.602564
2018-09-07 0.250 1.604621
2018-06-08 0.170 1.043585
2018-03-02 0.170 1.147873
2017-11-27 0.170 1.135605
2017-09-08 0.170 1.144011
2017-06-07 0.125 0.809586
2017-03-02 0.125 0.740521
2016-11-25 0.125 0.664187
2016-09-01 0.125 0.693674
2016-06-08 0.100 0.549451
2016-03-03 0.100 0.586854
2015-11-25 0.100 0.531915
2015-09-03 0.100 0.598086
2015-06-10 0.070 0.458115
2015-03-05 0.070 0.488486
2014-12-03 0.070 0.468227
2014-09-10 0.070 0.483092
2010-05-12 0.070 0.499287
2010-02-10 0.070 0.552050
2009-11-10 0.070 0.610820
2009-08-12 0.070 0.607112
2009-05-13 0.070 0.598291
2009-02-11 0.070 0.555556
2008-11-12 0.050 0.384911
2008-08-13 0.050 0.431034
2008-05-09 0.050 0.406835
2008-02-21 0.050 0.397141
Additional Data
dividendRate 1.13
dividendYield 6.31
exDividendDate 2026-09-09
trailingAnnualDividendRate 1.13
trailingAnnualDividendYield 0.063093245
lastDividendValue 0.283
lastDividendDate 2026-06-10
dividendDate 2026-06-24

Info Dump

Attribute Value
52 Week Change 0.279562
Address1 7,007 Broadway Avenue
All Time High 22.54
All Time Low 7.56
Ask 19.17
Ask Size 2
Audit Risk 7
Average Daily Volume10 Day 845,770
Average Daily Volume3 Month 919,185
Average Volume 919,185
Average Volume10Days 845,770
Beta 0.734
Bid 16.54
Bid Size 2
Board Risk 6
Book Value 6.894
City Cleveland
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 10
Country United States
Crypto Tradeable 0
Currency USD
Current Price 17.53
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 18.18
Day Low 17.5
Display Name TFS Financial
Dividend Date 1,782,259,200
Dividend Rate 1.13
Dividend Yield 6.31
Earnings Growth 0.425
Earnings Quarterly Growth 0.42
Earnings Timestamp 1,785,441,600
Earnings Timestamp End 1,793,304,000
Earnings Timestamp Start 1,793,304,000
Ebitda Margins 0.0
Enterprise To Revenue 29.283
Enterprise Value 10,167,788,544
Eps Current Year 0.36
Eps Forward 0.39
Eps Trailing Twelve Months 0.35
Esg Populated 0
Ex Dividend Date 1,788,912,000
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 17.755
Fifty Day Average Change -0.22499847
Fifty Day Average Change Percent -0.012672401
Fifty Two Week Change Percent 27.9562
Fifty Two Week High 19.49
Fifty Two Week High Change -1.9599991
Fifty Two Week High Change Percent -0.100564346
Fifty Two Week Low 12.54
Fifty Two Week Low Change 4.9900007
Fifty Two Week Low Change Percent 0.3979267
Fifty Two Week Range 12.54 - 19.49
Financial Currency USD
First Trade Date Milliseconds 1,177,335,000,000
Five Year Avg Dividend Yield 8.04
Float Shares 50,379,627
Forward Eps 0.39
Forward P E 44.948723
Full Exchange Name NasdaqGS
Full Time Employees 958
Fullday Change -0.379999
Fullday Change Percent -2.12172
Fullday Price 17.53
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 347,228,992
Has Pre Post Market Data 1
Held Percent Insiders 0.00457
Held Percent Institutions 0.94898003
Implied Shares Outstanding 280,442,755
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,781,049,600
Last Dividend Value 0.283
Last Fiscal Year End 1,759,190,400
Long Business Summary 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.
Long Name TFS Financial Corporation
Market us_market
Market Cap 4,916,161,536
Market State CLOSED
Max Age 86,400
Message Board Id finmb_725377
Most Recent Quarter 1,782,777,600
Net Income To Common 100,547,000
Next Fiscal Year End 1,790,726,400
Non Diluted Market Cap 5,024,131,955
Number Of Analyst Opinions 2
Open 18.03
Operating Cashflow 97,797,000
Operating Margins 0.45411
Overall Risk 9
Payout Ratio 3.1389
Peg Ratio 72.62
Phone 216 441 6000
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 17.53
Post Market Time 1,787,959,805
Previous Close 17.91
Price Eps Current Year 48.694443
Price Hint 2
Price To Book 2.542791
Price To Sales Trailing12 Months 14.158269
Profit Margins 0.29393
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.379999
Regular Market Change Percent -2.12172
Regular Market Day High 18.18
Regular Market Day Low 17.5
Regular Market Day Range 17.5 - 18.18
Regular Market Open 18.03
Regular Market Previous Close 17.91
Regular Market Price 17.53
Regular Market Time 1,787,947,200
Regular Market Volume 777,035
Return On Assets 0.0057599996
Return On Equity 0.05308
Revenue Growth 0.152
Revenue Per Share 1.245
Sand P52 Week Change 0.20204377
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 6
Shares Outstanding 280,442,755
Shares Percent Shares Out 0.0275
Shares Short 7,715,941
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 7,859,632
Short Name TFS Financial Corporation
Short Percent Of Float 0.1489
Short Ratio 8.06
Source Interval 15
State OH
Symbol TFSL
Target High Price 20.0
Target Low Price 18.0
Target Mean Price 19.0
Target Median Price 19.0
Total Cash 577,420,992
Total Cash Per Share 2.07
Total Debt 5,855,635,968
Total Revenue 347,228,992
Tradeable 0
Trailing Annual Dividend Rate 1.13
Trailing Annual Dividend Yield 0.063093245
Trailing Eps 0.35
Trailing P E 50.085716
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 15.33985
Two Hundred Day Average Change 2.1901503
Two Hundred Day Average Change Percent 0.14277521
Type Disp Equity
Volume 777,035
Website https://www.thirdfederal.com
Zip 44,105