Price
No data yet.
Social Signal Score
Revenue
$202.11M+96.69%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Marc A. Stefanski
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 958
- Beta
- 0.73
- Country
- US
- Piotroski score
- 4 / 9 (Middling)
- Altman Z-score
- -0.33
Financials
Revenue
$202.11M+96.7%Net Income
$30.54M+79.5%EBITDA
$41.43M+72.0%Free Cash Flow
$29.04MEPS (diluted)
$0.11+83.3%Shares Outstanding (diluted)
280.18M+0.5%Operating Expenses
$58.16MCash & Debt
$28.62MReturn of Capital
$16.09MRevenue by Segment (annual)
$9.53MDividend per Share
$0.28Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $791.96M | $90.96M | $0.32 |
| 2024 | $758.78M | $79.59M | $0.28 |
| 2023 | $633.35M | $75.25M | $0.27 |
| 2022 | $433.14M | $74.56M | $0.26 |
| 2021 | $444.65M | $81.01M | $0.29 |
| 2020 | $508.55M | $83.32M | $0.30 |
| 2019 | $502.55M | $80.24M | $0.29 |
| 2018 | $464.58M | $85.41M | $0.31 |
| 2017 | $428.84M | $88.88M | $0.32 |
| 2016 | $413.39M | $80.55M | $0.28 |
| 2015 | $407.74M | $72.59M | $0.25 |
| 2014 | $396.58M | $65.89M | $0.22 |
| 2013 | $412.44M | $55.96M | $0.18 |
| 2012 | $442.32M | $11.48M | $0.04 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from TFSL's reported EPS growth of 17.3% a year over 13 years.
- EPS in 5 years
- $0.72
- Implied price
- $29.71
- Return from $17.55
- 11.1% a year
To earn 15.0% a year on these assumptions you'd need to buy at $14.77 — -15.8% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 29 | 35 | 41 | 47 | 53 |
|---|---|---|---|---|---|
| 7.3% | -5.2% | -1.5% | 1.6% | 4.4% | 7.0% |
| 12.3% | -0.7% | 3.1% | 6.4% | 9.3% | 12.0% |
| 17.3% | 3.7% | 7.6% | 11.1% | 14.2% | 17.0% |
| 22.3% | 8.1% | 12.2% | 15.8% | 19.0% | 21.9% |
| 27.3% | 12.5% | 16.8% | 20.6% | 23.9% | 26.9% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
120Social Signal Score
Mentions (1)
- Newsseekingalpha.com·1d ago·Positive
TFS Financial: An Ohio Regional Bank With An Earnings Beat And Loan Growth TFS Financial, the parent of Third Federal S&L, gets a buy rating for my first coverage. Key positives include loan growth in recent earnings results, revenue trends and EPS showing durability and resilience. The high dividend yield can help boost the total return, but dividend safety is in question due to the high payout ratio.
View source ↗
Earnings
Thu, Oct 29(in 2 months)
Consensus estimate $0.09 per share
Typical surprise +0.0% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 30$0.11 vs $0.08beat
- Thu, Apr 30$0.08 vs $0.08beat
- Thu, Jan 29$0.08 vs $0.09miss
- Thu, Oct 30$0.09 vs $0.08beat
- Wed, Jul 30$0.08 vs $0.08beat
- Wed, Apr 30$0.07 vs $0.07beat
Estimates and results for TFSL via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by TFSL officers and directors.
- Bought
- $616k
- Sold
- $1.9m
5 trades
15 trades
- Stefanski Gavin Bsold
- Weil Meredith Ssold
- Weil Meredith Ssold
- Weir Daniel Fbought
- Rubino Andrew Jsold
- Zbanek Cathy Wsold
- Weir Daniel Fbought
- Weir Daniel Fbought
80 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.