TFS Financial CORP(TFSL)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
TFSL Stock Analysis & AI Quality Score
AI stock analysis and institutional research for TFS Financial CORP (TFSL), a Financials sector company. TFSL is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q2 2026), TFS Financial CORP reports quarterly revenue of $85.2M, net income of $23.2M, an operating margin of 35.0%. Top institutional holders of TFSL by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, LAKEWOOD CAPITAL MANAGEMENT,, based on the most recent SEC filings. TFSL trades on the Nasdaq exchange and files with the SEC under CIK 1381668. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate TFSL daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for TFS Financial CORP directly from SEC EDGAR.
Revenue
Q2 2026
$85.2M
Net Income
Q2 2026
$23.2M
Free Cash Flow
Q2 2026
$13.4M
Operating Margin
Q2 2026
35.0%
ROIC
Q2 2026
1.6%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+22.0% YoYEPS (Diluted)
+23.1% YoYTotal Assets
+10.6% YoYOp. Cash Flow
+111.7% YoY| Metric | FY 2025 | FY 2022 | FY 2021 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Net Income | $91.0M +22.0% | $74.6M -8.0% | $81.0M +1.0% | $80.2M -6.1% | $85.4M -3.9% | $88.9M |
| EPS (Diluted) | $0.32 +23.1% | $0.26 -10.3% | $0.29 +3.6% | $0.28 -6.7% | $0.30 -6.3% | $0.32 |
| Total Assets | $17.46B +10.6% | $15.79B +12.3% | $14.06B -3.3% | $14.54B +2.9% | $14.14B +3.2% | $13.69B |
| Operating Cash Flow | $82.4M +111.7% | $38.9M -53.2% | $83.2M -19.3% | $103.0M +11.8% | $92.1M -8.9% | $101.2M |
AI Insight: TFSL Ratio Trends
TFSL's ROIC climbed to a multi-quarter high of 6.9% in Q3 2025 before settling back to 6.2% in Q1 2026, suggesting modest but real profitability improvement over the past year.
• ROIC rose from 5.0% in Q3 2024 to 6.2% in Q1 2026, marking a 120bp improvement over five quarters.
• ROE recovered from a trough of 3.9% in Q3 2024 to 4.8% in Q1 2026, though levels remain low in absolute terms.
• ROA has been range-bound between 0.4% and 0.6% across all reported quarters, indicating limited asset productivity expansion.
⚠ Q3 2025 ROIC spike to 6.9% did not sustain into Q4 2025 or Q1 2026, raising questions about earnings durability.
⚠ Absolute ROE of 4.8% remains well below typical banking peers — sustained improvement needed to signal structural earnings power.
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Available Research
13F Pro tracks comprehensive data for TFS Financial CORP including:
Top Institutional Holders of TFSL
BlackRock, Inc.
$52.7M3,747,526 shDIMENSIONAL FUND ADVISORS LP
$43.3M3,083,792 shLAKEWOOD CAPITAL MANAGEMENT, LP
$39.8M2,835,382 shRENAISSANCE TECHNOLOGIES LLC
$35.8M2,549,491 shSTATE STREET CORP
$33.2M2,362,081 shVANGUARD CAPITAL MANAGEMENT LLC
$33.1M2,355,001 shMIRAE ASSET GLOBAL ETFS HOLDINGS Ltd.
$32.5M2,316,081 shVANGUARD PORTFOLIO MANAGEMENT LLC
$32.1M2,287,389 shBank of New York Mellon Corp
$26.3M1,868,620 shCRAMER ROSENTHAL MCGLYNN LLC
$16.5M1,177,638 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $52.7M | 3,747,526 |
| DIMENSIONAL FUND ADVISORS LP | $43.3M | 3,083,792 |
| LAKEWOOD CAPITAL MANAGEMENT, LP | $39.8M | 2,835,382 |
| RENAISSANCE TECHNOLOGIES LLC | $35.8M | 2,549,491 |
| STATE STREET CORP | $33.2M | 2,362,081 |
| VANGUARD CAPITAL MANAGEMENT LLC | $33.1M | 2,355,001 |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $32.5M | 2,316,081 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $32.1M | 2,287,389 |
| Bank of New York Mellon Corp | $26.3M | 1,868,620 |
| CRAMER ROSENTHAL MCGLYNN LLC | $16.5M | 1,177,638 |
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Popular Research
Is TFSL a good stock to buy?
13F Pro's AI-powered analysis of TFS Financial CORP (TFSL) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for TFSL are available on the TFSL stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own TFSL?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling TFSL. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of TFS Financial CORP's investment landscape.