TFS Financial Corporation (TFSL) Stock Analysis
Financial Services · Banks - Regional
Sell if holding. Analyst target reached at $16.90 — A.R:R is negative (-1.8) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: residential first mortgage loans (69.1%).
TFS Financial Corporation's principal subsidiary, Third Federal Savings & Loan of Cleveland, originates and services residential mortgage loans from its Ohio and Florida branch network. As of September 30, 2025, first mortgage residential loans were 69.1% of the $15.7B loan... Read more
Sell if holding. Analyst target reached at $16.90 — A.R:R is negative (-1.8) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: residential first mortgage loans (69.1%). Chart setup: No clear chart pattern; technical signals are mixed. Score 4.4/10, moderate confidence.
Passes 6/8 gates (positive momentum, clean insider activity, news events none recent, earnings proximity 47d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated 2026-06-12Recent Developments — TFS Financial Corporation
Latest news
- NEWS TFS Financial (TFSL) to Release Quarterly Earnings on Wednesday - MarketBeat — MarketBeat neutral
- NEWS TFS Financial (NASDAQ:TFSL) Stock Price Passes Above Two Hundred Day Moving Average - Here's Why - MarketBeat — MarketBeat positive
- NEWS TFS Financial (TFSL): Buy, Sell, or Hold Post Q3 Earnings? - Yahoo Finance — Yahoo Finance neutral
- NEWS TFS (TFSL) Stock: Price Action Overview (+0.77%) 2026-04-20 - Trending Picks - Cổng thông tin điện tử Tỉnh Sơn La — Cổng thông tin điện tử Tỉnh Sơn La neutral
- NEWS Piper Sandler Maintains Neutral on TFS Financial, Raises Price Target to $16 — benzinga May 4, 2026 neutral
Generated 2026-06-15T18:11:47Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHloan_portfolioresidential first mortgage loans69%10-K Item 1: 'fixed-rate and adjustable-rate, first mortgage residential loans totaled $10.84 billion, or 69.1% of our loan portfolio'
Material Events(8-K, last 90d)
- 2026-04-02Item 5.02MEDIUMCFO Meredith Weil to retire January 2027. James LaRocca (ex-CFO, Westfield Bank) announced as successor; joining June 29, 2026 and expected to succeed as CFO upon Weil's retirement. Clean handoff.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
3 floor-breakers
Priced at a premium — multiples above sector norms. Needs delivery on growth + margins to justify.static
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $16.90 — A.R:R is negative (-1.8) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: residential first mortgage loans (69.1%). Chart setup: No clear chart pattern; technical signals are mixed. Prior stop was $16.32. Score 4.4/10, moderate confidence.
Take-profit target: $16.66 (-1.5% upside). Prior stop was $16.32. Stop-loss: $16.32.
Concentration risk — Loan Portfolio: residential first mortgage loans (69.1%); Analyst target reached - limited upside remaining; Near 52-week high (0.0% away).
TFS Financial Corporation trades at a P/E of 50.9 (forward 45.4). TrendMatrix value score: 2.5/10. Verdict: Sell.
7 analysts cover TFSL with a consensus score of 2.3/5. Average price target: $16.
What does TFS Financial Corporation do?TFS Financial Corporation's principal subsidiary, Third Federal Savings & Loan of Cleveland, originates and services...
TFS Financial Corporation's principal subsidiary, Third Federal Savings & Loan of Cleveland, originates and services residential mortgage loans from its Ohio and Florida branch network. As of September 30, 2025, first mortgage residential loans were 69.1% of the $15.7B loan portfolio; deposits are concentrated in Ohio ($7.58B) and Florida ($2.92B).