TFS Financial Corporation

$ 16.42 0.92 %

TFS Financial Corporation delivers a comprehensive array of retail banking solutions to individual consumers across the United States. The company's deposit offerings encompass savings, money market, and checking accounts, in addition to individual retirement accounts, various qualified retirement plans, and certificates of deposit. It also extends a range of lending products, such as residential real estate mortgages, construction financing, home equity loans and lines of credit, alongside options for home purchase mortgages and first mortgage refinancing. Furthermore, TFS Financial provides escrow and settlement services. Established in 1938, the corporation is headquartered in Cleveland, Ohio, where its main office is located. Its operations are further supported by 37 full-service branches and 7 loan production offices distributed throughout Ohio and Florida. TFS Financial Corporation functions as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

CEO: Marc A. Stefanski - https://www.thirdfederal.com

Price objectif

$15 -8.65 %

Recommandation

Hold

DCF

$ -0.49

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TFSL vs S&P500

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Quick ratio

0.05

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

49.76

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

0.33

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

4.89 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

0.53 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

7.75

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

2.67

means it relies more on debt, which can increase financial risk.

Free cash flow per share

0.29

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

64.26 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
6 indicates moderate financial health
Altman score
0.21 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.02 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.29 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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