US · TFSL
TFS Financial Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Cleveland, OH 44105
- Website
- thirdfederal.com
Price · as of 2025-09-30
$15.03
Market cap 3.93B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $26.85 | +78.64% |
| Intrinsic Value(DCF) | $7.90 | -47.44% |
| Graham-Dodd Method(GD) | $5.19 | -65.48% |
| Graham Formula(GF) | $4.03 | -73.21% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $4.73 | $28.18 | $4.91 | $6.06 | $0.03 |
| 2012 | $4.37 | $27.95 | $4.95 | $6.19 | $0.18 |
| 2013 | $6.12 | $28.91 | $5.34 | $7.13 | $0.30 |
| 2014 | $7.85 | $29.55 | $5.22 | $7.01 | $0.99 |
| 2015 | $9.89 | $28.48 | $4.74 | $6.21 | $2.71 |
| 2016 | $10.84 | $28.81 | $4.38 | $6.08 | $2.71 |
| 2017 | $8.66 | $27.59 | $4.21 | $6.20 | $3.77 |
| 2018 | $9.73 | $27.41 | $4.22 | $5.88 | $5.01 |
| 2019 | $12.24 | $27.52 | $3.87 | $4.87 | $4.65 |
| 2020 | $11.96 | $27.46 | $3.91 | $4.55 | $2.80 |
| 2021 | $12.94 | $28.74 | $4.32 | $4.62 | $0.00 |
| 2022 | $10.81 | $26.69 | $4.16 | $4.84 | $1.52 |
| 2023 | $11.32 | $27.88 | $3.91 | $5.12 | $14.19 |
| 2024 | $12.28 | $27.03 | $6.51 | $4.91 | $7.75 |
| 2025 | $13.83 | $26.85 | $6.35 | $5.19 | $4.03 |
AI valuation
Our deep-learning model estimates TFS Financial Corporation's (TFSL) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $26.85
- Current price
- $15.03
- AI upside
- +78.64%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$7.90
-47.44% upside
Graham-Dodd
$5.19
-65.48% upside
Graham Formula
$4.03
-73.21% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| TFSL | TFS Financial Corporation | $15.03 | 3.93B | +79% | -47% | -65% | -73% | 42.39 | 2.04 | 4.87 | 60.05 | 296.71 | 2.06 | 40.28% | 14.48% | 11.49% | 4.84% | 1.52% | 0.53% | 2.59 | 0.24 | 0.05 | 0.05 | 32.46 | 1429.00% | 437.00% | -1703.00% | 1.84% | 0.01 | 1.18% | 1.54% | 65.50% | 1.65% | 72.11 | 116.57 | 10.45 | -0.39 |
| ASB | Associated Banc-Corp | $26.41 | 4.38B | +11% | +9,936% | -14% | +164% | 9.29 | 0.88 | 1.78 | 4.47 | 3.26 | 1.14 | 58.29% | 23.50% | 19.31% | 9.86% | 17.69% | 1.07% | 0.84 | 0.59 | 0.30 | 0.30 | 6.22 | 28472.00% | 1683.00% | 924.00% | 13.33% | 0.03 | 21.79% | 3.81% | 35.40% | 4.47% | 4.47 | 4.42 | 1.05 | -0.12 |
| CADE | Cadence Bank | $42.11 | 7.85B | -28% | +264% | -49% | +166% | 10.26 | 0.96 | 1.85 | -4.12 | — | 1.30 | 59.29% | 23.29% | 18.03% | 9.75% | -16.97% | 1.09% | 0.01 | 0.61 | 0.22 | 0.22 | -1.93 | -514.00% | 3237.00% | 6693.00% | 14.45% | 0.02 | -25.17% | 3.58% | 36.70% | 38.75% | -5.35 | -4.66 | -1.25 | -0.53 |
| EBC | Eastern Bankshares, Inc. | $19.56 | 4.4B | +184% | +1,000% | -42% | +223% | 23.84 | 0.79 | 2.66 | -10.99 | — | 1.11 | 62.03% | 14.55% | 11.17% | 3.63% | -6.92% | 0.51% | 0.01 | 0.46 | 0.25 | 0.24 | -4.95 | -5385.00% | 9164.00% | 660.00% | 9.48% | 0.01 | -15.64% | 2.90% | 69.00% | 14.68% | -13.69 | -7.89 | -1.99 | -0.50 |
| FULT | Fulton Financial Corporat… | $20.45 | 3.68B | +85% | -6% | -11% | +35% | 9.78 | 1.10 | 2.02 | 7.45 | 30.10 | 1.33 | 67.42% | 25.68% | 20.71% | 11.71% | 15.02% | 1.22% | 0.37 | 0.84 | 0.05 | 0.05 | 1.94 | 3248.00% | 503.00% | -2400.00% | 7.43% | 0.01 | 10.91% | 3.69% | 36.10% | 5.41% | 8.12 | 13.87 | 2.09 | -0.76 |
| INTR | Inter & Co, Inc. | $8.71 | 3.83B | +70% | +13,446% | -44% | +52% | 13.14 | 1.44 | 1.32 | -2.20 | 7.46 | 1.81 | 47.37% | 12.41% | 9.34% | 11.89% | -18.17% | 1.42% | 1.33 | 0.36 | 0.54 | 0.53 | 3.55 | 17600.00% | 2712.00% | -5530.00% | 25.43% | 0.07 | -60.68% | 0.54% | 7.10% | 0.69% | -2.59 | -0.96 | -0.32 | -0.09 |
| MTB | M&T Bank Corporation | $216.98 | 33.35B | -40% | -6% | -46% | -98% | 12.57 | 1.23 | 2.91 | -1.65 | 77.99 | 1.74 | 74.62% | 29.99% | 23.16% | 9.80% | -97.99% | 1.35% | 0.45 | 1.04 | 0.32 | 0.32 | -1.44 | 1612.00% | -818.00% | -1573.00% | 7.98% | 0.02 | -98.30% | 2.92% | 36.70% | 10.26% | -1.76 | -2.28 | -0.53 | -0.43 |
| SNV | Synovus Financial Corp. | $50.05 | 6.95B | -44% | -10% | -55% | -38% | 13.65 | 1.25 | 1.91 | -3.19 | — | 1.38 | 53.84% | 17.67% | 14.09% | 9.25% | -10.56% | 0.80% | 0.36 | 0.42 | 0.22 | 0.22 | -1.67 | -1243.00% | 116.00% | -3883.00% | 11.69% | 0.02 | -16.85% | 3.99% | 54.40% | 9.99% | -3.50 | -2.77 | -0.62 | -0.57 |
| TBBK | The Bancorp, Inc. | $52.49 | 2.42B | -12% | -12% | -24% | -48% | 10.86 | 3.59 | 3.59 | 4.03 | 73.93 | 3.59 | 74.26% | 43.89% | 33.05% | 30.85% | -166.02% | 2.52% | 0.61 | — | 8.66 | 8.66 | 1.37 | 1469.00% | -277.00% | 1583.00% | 10.41% | 1.33 | -187.63% | 0.00% | 0.00% | 15.27% | 4.03 | 4.73 | 1.77 | 0.55 |
| TCBI | Texas Capital Bancshares,… | $95.30 | 4.35B | -29% | +12% | +17% | +63% | 13.14 | 1.20 | 2.17 | -2.77 | 3.05 | 1.20 | 60.62% | 22.20% | 16.52% | 9.44% | -136.18% | 1.06% | 0.26 | 0.60 | 0.16 | 0.28 | -1.97 | 43125.00% | 1354.00% | -1650.00% | 8.01% | 0.01 | -139.78% | 0.40% | 5.20% | 4.68% | -3.00 | -3.83 | -0.67 | -0.52 |
| UCB | United Community Banks, I… | $32.17 | 3.85B | +4% | -2% | -37% | -1% | 12.06 | 1.09 | 2.57 | 0.45 | 42.40 | 1.48 | 66.00% | 27.48% | 21.35% | 9.28% | -55.41% | 1.18% | 0.06 | 0.89 | 0.17 | 0.17 | 0.01 | 2843.00% | 382.00% | 3470.00% | 10.31% | 0.02 | -68.86% | 3.12% | 37.60% | 6.55% | 0.49 | 0.51 | 0.14 | -0.60 |
About TFS Financial Corporation
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. Its deposit products include savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. The company also provides residential real estate mortgage loans, residential construction loans, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, it offers escrow and settlement services. The company provides its products and services through its main office in Cleveland, Ohio; and 37 full-service branches and 7 loan production offices located throughout the states of Ohio and Florida. The company 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.
- CEO
- Marc A. Stefanski
- Employees
- 919
- Beta
- 0.74
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($7.90 ÷ $15.03) − 1 = -47.44% (DCF, example).