Stock analysis, trade plans, and proprietary indicators by Trend Edge.
About TFS Financial Corporation
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. It also provides residential real estate mortgage loans, residential construction loans, purchase mortgages, and home equity loans and lines of credit, as well… Read full Trend Edge analysis →
Sector: Financial Services
Industry: Banks-Regional
Exchange: NASDAQ
IPO Date: April 23, 2007
Headquarters: 7007 Broadway Avenue, Cleveland, OH, United States, 44105
Hidden Gem: Yes — undiscovered relative to its market cap tier
Founder-Led: Yes — Bradley T. Stefanski (VP & Chief Strategy Officer of Third Federal Savings and Loan)
Key Metrics
Current Price
$15.89
Market Cap
$4.45B
Float
50.3M
Shares Outstanding
280.4M
P/E (Forward)
76.92
P/E (TTM)
48.06
Price/Sales (TTM)
13.28
vs. Analyst Target
-2.5% to analyst PT
Profit Margin
27.77%
Operating Margin (TTM)
39.18%
Revenue (TTM)
$335M
Earnings Growth (YoY)
14.30%
Dividend Rate
1.1%
Analyst Target Price
$15.50 (2 analysts)
Financial History
Annual Revenue & Earnings History
Year
Revenue
Net Income
Gross Profit
EBITDA
2020
$509M
$83.3M
$293M
$133M
2021
$445M
$81.0M
$296M
$133M
2022
$433M
$74.6M
$290M
$119M
2023
$305M
$75.3M
$305M
$93.4M
2024
$759M
$79.6M
$305M
$119M
2025
$792M
$91.0M
$319M
$138M
Recent Quarterly Revenue & Net Income
Quarter
Revenue
Net Income
Jun 2025
$198M
$21.5M
Sep 2025
$207M
$26.0M
Dec 2025
$206M
$22.3M
Mar 2026
$203M
$23.2M
Ownership & Float
Insider Ownership
0.5%
Institutional Ownership
94.9%
Short Float
16.7%
% of All Funds Holding
2.36%
Number of Funds Holding
194
Current Moving Averages
Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.
Timeframe
SMA
Value
Trend Context
Weekly
10-Week SMA
$14.97
Near-term / short-term trend
Weekly
40-Week SMA
$14.12
Medium-term trend
Weekly
80-Week SMA
$13.55
Cyclical trend (business cycle)
Weekly
200-Week SMA
$13.38
Secular trend (multi-year)
Monthly
10-Month SMA
$14.12
Near-term monthly trend
Monthly
20-Month SMA
$13.62
Medium-term monthly trend
Monthly
40-Month SMA
$13.29
Secular monthly trend
Volume Shelves — Support & Resistance
Trend Edge identifies volume shelves: price zones where historically elevated trading volume
creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative
volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.
Price Level
Type
Volume Ratio
Age
$14.10
support
1.21x
0 months ago
$13.30
support
1.13x
5 months ago
$13.10
support
1.09x
8 months ago
Historical Earnings Reactions (76 events)
Timeframe
Avg Return
Median
Win Rate
Best
Worst
Gap
-0.72%
-0.27%
34.21%
2.26%
-13.99%
1 Day
-0.40%
-0.26%
42.11%
7.88%
-19.21%
1 Week
0.32%
0.90%
57.89%
11.43%
-26.53%
2 Weeks
0.22%
1.09%
57.89%
11.74%
-26.61%
1 Month
0.46%
0.87%
54.67%
17.52%
-23.71%
Next earnings: July 19, 2026 (51 days away)
Seasonality & Day-of-Week Patterns
Monthly Seasonality
Month
Avg Return
Win Rate
Samples
Jan
-0.1%
47.4%
19
Feb
0.7%
57.9%
19
Mar
-1.4%
57.9%
19
Apr
0.1%
57.9%
19
May
1.5%
68.4%
19
Jun
-1.6%
31.6%
19
Jul
1.6%
57.9%
19
Aug
-1.1%
52.6%
19
Sep
-0.9%
47.4%
19
Oct
1.8%
63.2%
19
Nov
1.4%
52.6%
19
Dec
1.6%
57.9%
19
Day-of-Week Tendencies
Day
Avg Return
Win Rate
Samples
Monday
-0.03%
47.9%
901
Tuesday
-0.04%
48.4%
988
Wednesday
-0.03%
46.4%
985
Thursday
0.02%
48.4%
966
Friday
0.17%
52.5%
963
Top Institutional Holders
Institutional holder breakdown coming soon.
Total institutional ownership: 94.9%
Insider Transactions — Smart Summary
Total insider ownership: 0.5%
Founder-led management: Bradley T. Stefanski (VP & Chief Strategy Officer of Third Federal Savings and Loan)
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The analysis covers five layers:
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qualitative analysis (business model, competitive moat, sector dynamics),
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