TFS Financial Corporation (TFSL)
NEUTRALFundamental
51
Preço
$17.80
Capitalização de Mercado
$4.99B
Parte 1 · Quanto vale a empresa
Visão Geral
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. It also provides residential real estate mortgage loans, residential construction loans, purchase mortgages, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, the company offers escrow and settlement services. TFS Financial Corporation 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.
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Balanço & Liquidez
Receita
$344M
Últimos 12 meses (até 30/06/2026)
Resultado Líquido
$102M
Últimos 12 meses (até 30/06/2026)
Fluxo de Caixa Livre
$71M
Capital Próprio Total
$1.89B
Passivo Total
$15.56B
Rácio de Liquidez
-
Cobertura de Juros
0.41
Dívida/EBITDA
-
Resultados Por Ação
Receita & Resultado Líquido
Fluxo de Caixa Livre
Decomposição dos Resultados
Demonstração histórica
Margens ao longo do tempo
A dívida ao longo do tempo
Grelha do crescimento
Crescimento — Receitas
Estimativa de Valor Justo
Valor Justo
$10.14
Preço Atual
$17.80
Margem de Segurança
-75.5%
Intervalo de Valor Justo
$6.59 - $13.69
Métodos de Estimativa
Métricas de Avaliação
Rácio P/E
49.03
ROE
4.8%
Rácio P/B
2.53
P/FCF
57.37
Margem Bruta
-
ROIC
-
Radar de Rentabilidade
Value Creation (Economic Moat)
ROIC
-
WACC
6.0%
ROIC − WACC
-
Critérios de Análise Fundamental
Aprovado (13)
- EPS shows upward trend
- EPS CAGR 12.30%
- P/B Ratio 2.53
- Operating Margin 37.7%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Revenue Growth 5Y 6.7%
- Earnings Surprise avg 10.0%
- Earnings Quality (OCF/NI) 0.96
- Share Dilution 0.0%
- Net Margin Trend 29.7% vs 26.7%
- Piotroski F-Score 5/9
Reprovado (10)
- Price CAGR -0.76%
- P/FCF 57.37
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- Price below Graham Number
- DCF valuation (Overvalued)
- ROE 4.9%
- Analyst Consensus 0% Buy
- PEG Ratio 32.27
Indisponível (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Sinais mistos: algumas áreas requerem atenção
Qualidade dos Resultados
Moderada: alguma diferença entre lucros e caixa
Diluição de Ações
A recomprar ações. Favorável ao acionista
Governação
Equipa Executiva
| Nome | Cargo | Idade |
|---|---|---|
| Mr. Marc A. Stefanski | Chairman, President & CEO | 71 |
| Ms. Meredith S. Weil | CFO, Corporate Secretary & Treasurer | 58 |
| Mr. Andrew James Rubino | VP & COO | 49 |
| Ms. Cathy W. Zbanek | VP & Chief Synergy Officer of Third Federal Savings and Loan Association of Cleveland | 52 |
| Mr. Bradley T. Stefanski | VP & Chief Strategy Officer of Third Federal Savings and Loan | 36 |
| Ms. Susanne Noel Miller | Chief Accounting Officer | 59 |
| Mr. Timothy W. Mulhern | VP & Chief Innovation Officer of Third Federal Savings and Loan Association of Cleveland | 58 |
| Mr. Gavin B. Stefanski | Chief Experience Officer of Third Federal Savings and Loan | 36 |
| Ms. Deborah L. Hand | Chief Risk Officer | 50 |
| Ms. Sandra M. Long | Chief Consumer Banking Officer of Third Federal Savings and Loan Association of Cleveland | 55 |
Risco de Auditoria
7
Risco do Conselho
6
Risco de Remuneração
10
Risco dos Direitos dos Acionistas
6
Parte 2 · O preço e o momento de entrar
Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.
Latest News
Recent headlines for TFSL, sourced from Markets Gazette.