TFS Financial Corp (TFSL)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$16.71+1.64%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · TFSL
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-11-04.
The screen ranks TFSL against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 66% of the time over the next year (vs 56% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
“This year was another milestone for Third Federal, passing $100 million in net income, driven by continued net margin improvement to 1.88%, and a 39% increase in mortgage loan originations from 2025…
Stated in 1 of 3 supplied quarters. Management reported: ““This year was another milestone for Third Federal, passing $100 million in net income, driven by continued net margin improvement to 1.88%, and a 39% increase in mortgage loan originations from 2025,” said Chairman and CEO Marc A.”
““This year was another milestone for Third Federal, passing $100 million in net income, driven by continued net margin improvement to 1.88%, and a 39% increase in mortgage loan originations from 2025…”
“This year was another milestone for Third Federal, passing $100 million in net income, driven by continued net margin improvement to 1.88%, and a 39% increase in mortgage loan originations from 2025…
Stated in 1 of 3 supplied quarters. Management reported: ““This year was another milestone for Third Federal, passing $100 million in net income, driven by continued net margin improvement to 1.88%, and a 39% increase in mortgage loan originations from 2025,” said Chairman and CEO Marc A.”
““This year was another milestone for Third Federal, passing $100 million in net income, driven by continued net margin improvement to 1.88%, and a 39% increase in mortgage loan originations from 2025…”
The decrease was primarily driven by a $220.9 million decrease in CDs given the competitive nature of deposit pricing and the Company's strategic attention to managing funding costs at the risk of in…
Stated in 1 of 3 supplied quarters. Management reported: “The decrease was primarily driven by a $220.9 million decrease in CDs given the competitive nature of deposit pricing and the Company's strategic attention to managing funding costs at the risk of increasing customer attrition.”
Management described dividends and share repurchases as uses of strong capital, while maintaining the recurring quarterly dividend.
Continue paying quarterly cash dividends with mutual holding company waivers to support shareholder returns.
Over the trailing year it converted 1.82x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6873).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
14 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-04.
“The decrease was primarily driven by a $220.9 million decrease in CDs given the competitive nature of deposit pricing and the Company's strategic attention to managing funding costs at the risk of in…”