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TFS Financial Corporation (NASDAQ:TFSL)

16.42 USD

+0.150 0.922%
Last Updated at: 2026-06-18T20:00:00Z

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 multiple full-service branches and loan production offices located throughout the states of Ohio and Florida. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation is a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

7007 Broadway Avenue, Cleveland, OH, United States, 44105

216 441 6000

https://www.thirdfederal.com

Employees: 995

Key Executives

Sr. No. Name Title Year Born
1. Mr. Marc A. Stefanski Chairman, Pres & CEO 1954
2. Ms. Meredith S. Weil COO & Director 1967
3. Ms. Cathy W. Zbanek Chief Synergy Officer and HR Officer of Third Federal Savings & Loan Association of Cleveland 1973
4. Mr. Timothy W. Mulhern Chief Financial Officer 1967
5. Ms. Susanne Noel Miller Chief Accounting Officer 1966
6. Ms. Kathleen Mary Danckers Chief Risk Officer & Chief Information Security Officer 1962
7. Mr. Andrew James Rubino Chief Information Officer of Third Federal Savings and Loan Association of Cleveland 1975
8. Mr. Russell C. Holmes Chief Retail Officer of Third Federal Savings and Loan Association of Cleveland 1963
9. Mr. Bradley T. Stefanski Chief Strategy Officer of Third Federal Savings and Loan Association of Cleveland 1988
10. Mr. Gavin B. Stefanski Chief Lending Officer of Third Federal Savings and Loan Association of Cleveland 1988

Peers

Sector: Financial Services

Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE(x) Forward PE(x) Price Sales TTM(x) Price to Book Value(x) Enterprise Value to Revenue(x) Enterprise Value to EBITDA(x)
HDB

HDFC Bank Limited ADR

 +0.300 1.212% 25.26 20.810 20.964 0.108 4.772 0.000 0.000
CIHKY

China Merchants Bank Co Ltd

 -0.510 1.667% 30.01 7.780 7.645 0.562 0.901 3.617 0.000
DBSDF

DBS Group Holdings Ltd

 0.000 0.000% 50.7 15.290 14.409 5.843 2.364 10.400 0.000
CIHHF

China Merchants Bank Co Ltd Class H

 0.000 0.000% 6.1 6.100 5.672 0.439 0.765 3.426 0.000

Income Statement

(Currency in USD)
Breakdown 30-09-2023 30-09-2022 30-09-2021 30-09-2020 30-09-2019
Income Before Tax 93.367M 92.054M 100.094M 100.245M 102.212M
Minority Interest - - - - -
Net Income 75.25M 74.565M 81.007M 83.317M 80.237M
Selling General Administrative 126.237M 118.7M 117.952M 114.633M 114.423M
Gross Profit 304.996M 291.2M 286.929M 295.519M 285.885M
Reconciled Depreciation - 27.035M 32.568M 32.82M 22.95M
Ebit - 233.991M 100.094M 100.245M 102.212M
Ebitda 93.367M 261.026M 132.662M 133.065M 125.162M
Depreciation And Amortization - 27.035M 32.568M 32.82M 22.95M
Operating Income 93.367M 233.991M 100.094M 100.245M 102.212M
Other Operating Expenses 211.629M 57.209M 186.835M 195.274M 183.673M
Interest Expense 328.352M 141.937M 157.721M 213.03M 216.666M
Tax Provision 18.117M 17.489M 19.087M 16.928M 21.975M
Interest Income 611.919M 409.333M 389.351M 455.298M 482.087M
Net Interest Income 283.567M 267.396M 231.63M 242.268M 265.421M
Income Tax Expense 18.117M 17.489M 19.087M 16.928M 21.975M
Total Revenue 304.996M 291.2M 286.929M 295.519M 285.885M
Total Operating Expenses -211.629M -57.209M -186.835M -195.274M -183.673M
Cost Of Revenue - - - - -
Total Other Income Expense Net - -141.937M -157.721M -213.03M -216.666M
Net Income From Continuing Ops 75.25M 74.565M 81.007M 117.173M 80.237M
Net Income Applicable To Common Shares - 74.565M 81.007M 83.317M 78.715M

Balance Sheet

(Currency in USD)
Breakdown 30-09-2023 30-09-2022 30-09-2021 30-09-2020 30-09-2019
Total Assets 16917.726M 15790.198M 14057.45M 14642.221M 14542.356M
Intangible Assets 7.4M 7.943M 8.941M 7.86M 8.08M
Other Current Assets - 49.917M 12648.09M 13151.224M 13061.006M
Total Liab 5273.637M 13945.859M 12325.17M 12970.368M 12845.602M
Total Stockholder Equity 1927.361M 1844.339M 1732.28M 1671.853M 1696.754M
Other Current Liab - -2.237M -1.852M -3.068M -3.713M
Common Stock 3.323M 3.323M 3.323M 3.323M 3.323M
Capital Stock 3.323M 3.323M 3.323M 3.323M 3.323M
Retained Earnings 886.984M 870.047M 853.657M 865.514M 837.662M
Good Will - - - - 9.732M
Other Assets 15338.314M 14422.088M 12648.09M 13151.224M 13061.006M
Cash 466.746M 369.564M 488.326M 498.033M 275.143M
Cash And Equivalents - - - - -
Total Current Liabilities - 2.237M 1.852M 3.068M 3.713M
Current Deferred Revenue - - - - -
Net Debt 4806.891M 4423.657M 2603.489M 3023.712M 3627.838M
Short Term Debt - - - - 337.616M
Short Long Term Debt - - - - 337.616M
Short Long Term Debt Total 5273.637M 4793.221M 3091.815M 3521.745M 3902.981M
Other Stockholder Equity 951.842M 947.82M 943.101M 934.981M 925.148M
Property Plant Equipment - 34.531M 37.42M 41.779M 61.577M
Total Current Assets 1028.98M 867.728M 941.216M 988.105M 863.829M
Long Term Investments 508.324M 457.908M 421.783M 13139.933M 547.864M
Short Term Investments 508.324M 457.908M 421.783M 453.438M 547.864M
Net Receivables 53.91M 40.256M 31.107M 36.634M 40.822M
Long Term Debt 5273.637M 4793.221M 3091.815M 3520.071M 3895.181M
Inventory - 1.191M 0.289M 0.185M 2.163M
Accounts Payable - 2.237M 1.852M 3.068M 3.713M
Accumulated Other Comprehensive Income 85.212M 23.149M -67.801M -131.965M -69.379M
Non Currrent Assets Other -0.2M -0.296M -0.285M -0.489M -2.603M
Non Current Assets Total 550.432M 500.382M 468.144M 502.892M 617.521M
Capital Lease Obligations - - - - -
Long Term Debt Total - - - - -

Cash Flow

(Currency in USD)
Breakdown 30-09-2023 30-09-2022 30-09-2021 30-09-2020 30-09-2019
Investments -1119.086M -86.454M 19.6M 4377.843M -341.982M
Total Cashflows From Investing Activities - -1875.095M 547.356M 147.576M -341.982M
Total Cash From Financing Activities -58.952M 1717.404M -640.218M -46.484M 244.349M
Net Income 75.25M 74.565M 81.007M 83.317M 80.237M
Change In Cash 0.083M -118.762M -9.707M 222.89M 5.368M
Begin Period Cash Flow 1.341M 488.326M 498.033M 275.143M 269.775M
End Period Cash Flow 1.424M 369.564M 488.326M 498.033M 275.143M
Total Cash From Operating Activities 46.57M 38.929M 83.155M 121.798M 103.001M
Depreciation 19.614M 27.035M 32.568M 32.82M 22.95M
Other Cashflows From Investing Activities - -48.229M -92.812M -4227.06M -7.578M
Dividends Paid 58.294M 58.297M 56.637M 55.465M 50.465M
Change To Inventory - - - - -
Sale Purchase Of Stock -5.884M -6.29M 0.001M -0.413M -9.087M
Other Cashflows From Financing Activities -0.658M 1785.637M -578.892M -66.633M -150.644M
Capital Expenditures 5.246M 2.7M 1.337M 3.207M 3.778M
Change In Working Capital 12.505M -22.63M 14.622M 0.663M -13.482M
Other Non Cash Items -30.63M -24.174M -44.504M -28.921M -20.42M
Free Cash Flow 46.57M 36.229M 81.818M 118.591M 99.223M

Funds

Sr. No. Name Purchased On Shares
1. Vanguard Total Stock Mkt Idx Inv 2 years ago 1733946
2. Vanguard Small Cap Index 2 years ago 1428455
3. WisdomTree US SmallCap Dividend ETF 2 years ago 1258904
4. Global X SuperDividend™ US ETF 2 years ago 881153
5. Vanguard Small Cap Growth Index Inv 2 years ago 807486
6. Vanguard Institutional Extnd Mkt Idx Tr 2 years ago 743677
7. DFA US Small Cap I 2 years ago 441458
8. SPDR® S&P Regional Banking ETF 2 years ago 396917
9. CRM Small/Mid Cap Value Inv 2 years ago 363519
10. State St Russell Sm/Mid Cp® Indx NL Cl C 2 years ago 341999
11. DFA US Core Equity 2 I 2 years ago 333821
12. Fidelity Extended Market Index 2 years ago 288296
13. Dimensional US Small Cap ETF 2 years ago 271894
14. Schwab US Small-Cap ETF™ 2 years ago 239420
15. DFA US Core Equity 1 I 2 years ago 222218
16. Vanguard High Dividend Yield ETF 2 years ago 202020
17. CRM Small/Mid Cap Value CL S CIT 2 years ago 200820
18. Fidelity Nasdaq Composite Index 2 years ago 171062
19. WisdomTree US High Dividend ETF 2 years ago 169276
20. Dimensional US Core Equity 2 ETF 2 years ago 157750

Institutions

Sr. No. Name Purchased On Shares
1. Vanguard Group Inc 2 years ago 5215605
2. Renaissance Technologies Corp 2 years ago 3572656
3. BlackRock Inc 2 years ago 3146947
4. Dimensional Fund Advisors, Inc. 2 years ago 2354376
5. Bank of New York Mellon Corp 2 years ago 1655496
6. Cramer Rosenthal McGlynn LLC 2 years ago 1536687
7. State Street Corporation 2 years ago 1482971
8. Geode Capital Management, LLC 2 years ago 1020497
9. Mirae Asset Global Investments (Korea) Co Ltd 2 years ago 947649
10. Brandywine Global Investment Mgmt LLC 2 years ago 519619
11. Charles Schwab Investment Management Inc 2 years ago 436577
12. Morgan Stanley - Brokerage Accounts 2 years ago 401911
13. Northern Trust Corp 2 years ago 386545
14. Hartland & Co 2 years ago 260266
15. NORGES BANK 2 years ago 192263
16. Goldman Sachs Group Inc 2 years ago 191170
17. Nuveen Asset Management, LLC 2 years ago 185102
18. Bank of America Corp 2 years ago 182015
19. First Trust Advisors L.P. 2 years ago 145069
20. State Board Of Admin Of Florida Retir 2 years ago 136005
Disclaimer

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