TFS Financial Corp is the holding company for the Third Federal Savings and Loan Association of Cleveland. The company's ownership in the savings and loan association is its primary business activity. The association's principal business consists of originating and servicing residential real estate mortgage loans and attracting retail savings deposits. It does so by offering products with competitive rates and yields. The company also operates Third Capital, a wholly owned subsidiary that serves as a holding company or as an investor in vehicles such as private equity funds. Third Capital has interests in lease transactions of commercial buildings, title agencies providing escrow and settlement services, and reinsurance of private mortgage insurance on residential loans.

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 37 full-service branches and 7 loan production offices located throughout the states of Ohio and Florida. The company 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.

Third Federal Savings & Loan is involved in providing mortgage and home equity lending services, including mortgage refinancing, mortgage purchase, and home equity loans. It serves individuals looking to achieve homeownership.

Metric
Company Name	TFS Financial Corporation
Symbol	TFSL
MSH ID	COM:THIRDFEDERAL
Market	STOCKS
Sector	Financial Services
Industry	Banks - Regional
Country	US
Stage
Employee Count	995
Website	thirdfederal.com
LinkedIn
Founders

Metric
Market Cap	4.08B
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue	758.78M
Revenue (LTM)
Revenue (NTM)
Gross Profit	758.78M
EBITDA	100.31M
Operating Income	100.31M
Net Income	79.59M
EPS	0.29
Diluted EPS	0.28
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.98
Operating Profit Margin	0.41
EBITDA Margin	0.13
Net Profit Margin	0.19
Return on Equity	0.04
Return on Assets	0.00
Return on Capital Employed	0.02

COM:THIRDFEDERAL

Third Federal Savings & Loan

Last Close

14.38

22/11 21:00

Market Cap

3.58B

Beta: -

Volume Today

243.48K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	48.66
P/B Ratio	1.90
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	8.97
EV Multiple	-6.40

Metric
Days Sales Outstanding	64.52
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover	0.04

Metric
Operating Cash Flow	90.72M
Free Cash Flow	85.62M
Cash Flow to Debt	0.04
Operating Cash Flow/Sales	0.28
Free Cash Flow Yield	0.02

Metric
Cash & Equivalents
Accounts Receivable	-39.36M
Inventory
Goodwill
Debt to Capitalization	0.73
Debt to Assets	0.31
Current Ratio
Quick Ratio	6.38

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.03
R&D to Revenue
SG&A to Revenue	0.41