TFS Financial Corporation delivers a comprehensive array of retail banking solutions to individual consumers across the United States. The company's deposit offerings ...
TFS Financial Corporation (NASDAQ: TFSL) is a federally chartered stock holding company that conducts its principal activities through its wholly owned subsidiary, Third Federal Savings and Loan Association of Cleveland. Established in 1938, the company is headquartered in Cleveland, Ohio, and operates as a subsidiary of Third Federal Savings and ...TFS Financial Corporation (NASDAQ: TFSL) is a federally chartered stock holding company that conducts its principal activities through its wholly owned subsidiary, Third Federal Savings and Loan Association of Cleveland. Established in 1938, the company is headquartered in Cleveland, Ohio, and operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC. As of recent data, TFS Financial has 958 full-time employees and operates 37 full-service branches and 7 loan production offices across Ohio and Florida. The company offers a comprehensive range of retail banking solutions, including savings accounts, money market accounts, checking accounts, individual retirement accounts (IRAs), qualified retirement plans, and certificates of deposit. On the lending side, it provides residential real estate mortgages, construction financing, home equity loans and lines of credit, home purchase mortgages, and first mortgage refinancing. Additionally, TFS Financial offers escrow and settlement services. The company emphasizes customer service and community values, aiming to provide low-rate loans and high-rate savings to its customers. Under the leadership of CEO Marc A. Stefanski, who has been with the company since 1982 and became Chairman and CEO in 1987, TFS Financial has grown into a significant regional financial institution. The company went public in April 2007 and is listed on the NASDAQ Global Select exchange. Financially, TFS Financial has shown profitability with a net margin of approximately 12.5%, a price-to-earnings ratio of 48.15, and a dividend yield of 6.4%. The company's market capitalization is around $4.93 billion, with total assets surpassing $17 billion. TFS Financial continues to focus on its core mission of helping customers achieve homeownership and financial security, while maintaining a strong presence in its regional markets.
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$792.0M
+4.4%
-0.4%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$91.0M
+14.3%
+31.4%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+40.3%
+0.3%
-4.2%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
+14.5%
+9.6%
+3.5%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
+11.5%
+9.5%
+31.9%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$71.0M
-17.0%
+116.8%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
+9.0%
-20.5%
+117.7%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
258.8%
-0.0%
+11.3%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
0.05x
-49.2%
-81.8%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.
