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TFS Financial Corporation (TFSL)

Financial Services | Banks - Regional | Cleveland, United States | NasdaqGS
17.69 USD +0.03 (0.170%) ⇧ (July 14, 2026, 4 p.m. EDT)

Short-term:★★⯪☆☆Long-term:★★☆☆☆Dividends:★★⯪☆☆
Hot Take | July 11, 2026, 5:51 a.m. EDT

The most critical signal here is the severe disconnect between the stock's valuation and its performance. While the company boasts a massive 6.43% dividend yield, the payout ratio of 342% indicates the dividend is being funded entirely by borrowing or asset liquidation, making it a classic value trap rather than a sustainable income stream. This is confirmed by the multi-year price trajectory, which shows a cumulative decline of nearly 27% over the last nine years, with the most recent annual return still negative. Despite a recent bounce, the stock remains well below its five-year average, and the lack of meaningful open interest in out-of-the-money calls suggests the market sees limited upside potential. The low analyst targets and 'Hold' recommendation reinforce the view that the current price is not a bargain given the deteriorating fundamentals.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL_63 ✓0.063734
MSTL0.078601
AutoETS0.081480
AutoARIMA0.081809
AutoTheta0.085651
MSTL_63_1150.090672
MSTL_1150.110816

Forecast horizon: 60 days | Selected: MSTL_63

Forecast Reliability
Score 44%
H-stat 79.68
Ljung-Box p 0.000
Jarque-Bera p 0.037
Excess Kurtosis -1.13
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-06-09
Last Dividend Date 2026-06-09
Revenue per Share 1.202
Market Cap 4,960,844,288
Trailing P/E 53.61
Forward P/E 47.81
Beta 0.74
Profit Margins 27.77%
Website https://www.thirdfederal.com

As of July 11, 2026, 5:51 a.m. EDT: Speculators are positioning defensively with heavy out-of-the-money put volume relative to calls, creating a skewed IV profile where downside protection is significantly more expensive than upside leverage. Open interest is concentrated deep in-the-money on both sides, suggesting a floor at lower strikes rather than a breakout expectation above current levels.


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 6.39
exDividendDate 2026-06-10
trailingAnnualDividendRate 1.13
trailingAnnualDividendYield 0.06398641
lastDividendValue 0.283
lastDividendDate 2026-06-10
dividendDate 2026-06-24

Info Dump

Attribute Value
52 Week Change 0.37538946
Address1 7,007 Broadway Avenue
All Time High 22.54
All Time Low 7.56
Ask 19.19
Ask Size 2
Audit Risk 7
Average Analyst Rating 3.0 - Hold
Average Daily Volume10 Day 779,310
Average Daily Volume3 Month 880,006
Average Volume 880,006
Average Volume10Days 779,310
Beta 0.735
Bid 16.33
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 17.69
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 17.7883
Day Low 17.605
Display Name TFS Financial
Dividend Date 1,782,259,200
Dividend Rate 1.13
Dividend Yield 6.39
Earnings Growth 0.143
Earnings Quarterly Growth 0.106
Earnings Timestamp End 1,785,355,200
Earnings Timestamp Start 1,785,355,200
Ebitda Margins 0.0
Enterprise To Revenue 28.855
Enterprise Value 9,666,405,376
Eps Current Year 0.335
Eps Forward 0.37
Eps Trailing Twelve Months 0.33
Esg Populated 0
Ex Dividend Date 1,781,049,600
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 16.2938
Fifty Day Average Change 1.3962002
Fifty Day Average Change Percent 0.085689045
Fifty Two Week Change Percent 37.538944
Fifty Two Week High 17.99
Fifty Two Week High Change -0.29999924
Fifty Two Week High Change Percent -0.01667589
Fifty Two Week Low 12.54
Fifty Two Week Low Change 5.1500006
Fifty Two Week Low Change Percent 0.41068587
Fifty Two Week Range 12.54 - 17.99
Financial Currency USD
First Trade Date Milliseconds 1,177,335,000,000
Five Year Avg Dividend Yield 8.04
Float Shares 50,249,407
Forward Eps 0.37
Forward P E 47.81081
Full Exchange Name NasdaqGS
Full Time Employees 958
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 334,996,992
Has Pre Post Market Data 1
Held Percent Insiders 0.00459
Held Percent Institutions 0.94968003
Implied Shares Outstanding 280,432,141
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 4,960,844,288
Market State PRE
Max Age 86,400
Message Board Id finmb_725377
Most Recent Quarter 1,774,915,200
Net Income To Common 91,555,000
Next Fiscal Year End 1,790,726,400
Non Diluted Market Cap 4,949,627,288
Number Of Analyst Opinions 2
Open 17.68
Operating Cashflow 92,037,000
Operating Margins 0.39176998
Overall Risk 9
Payout Ratio 3.4242
Peg Ratio 72.62
Phone 216 441 6000
Previous Close 17.66
Price Eps Current Year 52.80597
Price Hint 2
Price To Book 2.5659995
Price To Sales Trailing12 Months 14.808623
Profit Margins 0.27771
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key hold
Recommendation Mean 3.0
Region US
Regular Market Change 0.030000687
Regular Market Change Percent 0.16987932
Regular Market Day High 17.7883
Regular Market Day Low 17.605
Regular Market Day Range 17.605 - 17.7883
Regular Market Open 17.68
Regular Market Previous Close 17.66
Regular Market Price 17.69
Regular Market Time 1,784,059,200
Regular Market Volume 678,978
Return On Assets 0.00538
Return On Equity 0.048720002
Revenue Growth 0.098
Revenue Per Share 1.202
Sand P52 Week Change 0.20365608
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 6
Shares Outstanding 280,432,141
Shares Percent Shares Out 0.028299998
Shares Short 7,922,202
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 8,535,737
Short Name TFS Financial Corporation
Short Percent Of Float 0.1529
Short Ratio 8.08
Source Interval 15
State OH
Symbol TFSL
Target High Price 16.0
Target Low Price 16.0
Target Mean Price 16.0
Target Median Price 16.0
Total Cash 437,326,016
Total Cash Per Share 1.569
Total Debt 5,171,633,152
Total Revenue 334,996,992
Tradeable 0
Trailing Annual Dividend Rate 1.13
Trailing Annual Dividend Yield 0.06398641
Trailing Eps 0.33
Trailing P E 53.60606
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 14.56805
Two Hundred Day Average Change 3.1219501
Two Hundred Day Average Change Percent 0.21430117
Type Disp Equity
Volume 678,978
Website https://www.thirdfederal.com
Zip 44,105