TFS Financial Corp (TFSL)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$17.57+0.40%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
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 2026-09-04.
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 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
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.
Continue paying quarterly cash dividends with mutual holding company waivers to support shareholder returns.
Stated as a priority in 3 disclosures including 2026-Q2 and two 8-K dividend announcements. The company declared quarterly dividends of $0.2825 and $0.3175 per share in 2026, with the mutual holding company waiving receipt of dividends up to $1.27 per share through July 2027. Dividend payments have been consistent and the company is delivering on this capital allocation priority.
“Tier I capital ratio of 10.75% allows more opportunities for growth, dividends, and strategic buybacks.”
Grow net income through higher net interest income, loan originations, and prudent expense management.
Stated as a priority in 3 quarters including 2026-Q1 and 2026-Q2. Net income increased from $23.2 million in 2026-Q1 to $30.5 million in 2026-Q2 (+31.4%). Nine-month net income rose 17.1% year-over-year to $76.1 million. The trajectory shows delivering growth in net income consistent with management's stated priority.
Grow loan originations while maintaining strong credit quality and managing allowance for credit losses.
Stated in 3 quarters including 2026-Q1 and 2026-Q2. Home equity loans and lines of credit grew by $236.1 million in 2026-Q2. The allowance for credit losses decreased slightly to $102.0 million (0.63% of loans) in 2026-Q2 from $104.9 million (0.67%) in 2026-Q1. Management is maintaining credit quality while growing the loan portfolio, showing delivering progress on this priority.
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=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
15 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.
“Net income rose $7.3 million, or 31.4%, to $30.5 million for the quarter ended June 30, 2026.”
“Net income rose $0.9 million, or 4.0%, to $23.2 million for the quarter ended March 31, 2026.”
“Net income was $25.9 million for the quarter ended December 31, 2025.”
“Home equity loans and lines of credit increased $236.1 million to $5.47 billion at June 30, 2026.”
“Allowance for credit losses was $104.9 million, or 0.67% of total loans receivable, at March 31, 2026.”
“Allowance for credit losses was $104.4 million, or 0.67% of total loans receivable, at September 30, 2025.”