TFS Financial CORP TFSL
Last close
17.57
2026-09-04
Market cap
$4.93B
2026-06-30 share count
52-week range
12.54 - 19.49
Valuation FY2025 figures against the last close
P/S6.5x
P/E54.9x
P/FCF69.4x
EV/EBITDA—
Dividend yield1.2%
Diluted EPS0.32
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $763.2M | $734.1M | $611.9M | $409.3M | $389.4M | $455.3M | $482.1M | $443.0M | $409.0M | $388.4M |
| Interest expense | $292.7M | $278.5M | $283.6M | $267.4M | $157.7M | $213.0M | $216.7M | $162.1M | $130.1M | $118.0M |
| Pre-tax income | $114.7M | $100.3M | $93.4M | $92.1M | $100.1M | $100.2M | $102.2M | $121.2M | $133.3M | $122.4M |
| Income tax | $23.8M | $20.7M | $18.1M | $17.5M | $19.1M | $16.9M | $22.0M | $35.8M | $44.5M | $41.8M |
| Net income | $91.0M | $79.6M | $75.2M | $74.6M | $81.0M | $83.3M | $80.2M | $85.4M | $88.9M | $80.6M |
| EPS, basic | 0.32 | 0.28 | 0.27 | 0.26 | 0.29 | 0.30 | 0.29 | 0.31 | 0.32 | 0.28 |
| EPS, diluted | 0.32 | 0.28 | 0.26 | 0.26 | 0.29 | 0.29 | 0.28 | 0.30 | 0.32 | 0.28 |
| Shares, diluted (wtd. avg.) | $279.8M | $279.1M | $278.6M | $278.7M | $278.6M | $277.8M | $277.4M | $277.3M | $279.3M | $283.8M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $429.4M | $463.7M | $466.7M | $369.6M | $488.3M | $498.0M | $275.1M | $269.8M | $268.2M | $231.2M |
| Property, plant and equipment | $40.0M | $33.2M | $34.7M | $34.5M | $37.4M | $41.6M | $61.6M | $63.4M | $60.9M | $61.0M |
| Total assets | $17.46B | $17.09B | $16.92B | $15.79B | $14.06B | $14.64B | $14.54B | $14.14B | $13.69B | $12.91B |
| Total liabilities | $15.56B | $15.23B | $14.99B | $13.95B | $12.33B | $12.97B | $12.85B | $12.38B | $12.00B | $11.25B |
| Retained earnings | $946.8M | $915.5M | $887.0M | $870.0M | $853.7M | $865.5M | $837.7M | $807.9M | $760.1M | $698.9M |
| Total equity | $1.89B | $1.86B | $1.93B | $1.84B | $1.73B | $1.67B | $1.70B | $1.76B | $1.69B | $1.66B |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $82.4M | $88.6M | $90.7M | $38.9M | $83.2M | $121.8M | $103.0M | $92.1M | $101.2M | $84.9M |
| Depreciation and amortisation | $4.6M | $4.6M | $4.9M | $5.4M | $5.4M | $5.4M | $5.9M | $5.7M | $5.6M | $5.5M |
| Stock-based compensation | $9.6M | $9.5M | $10.0M | $11.0M | $13.7M | $12.1M | $11.8M | $11.4M | $11.3M | $13.4M |
| Capital expenditure | $11.5M | $3.1M | $5.1M | $2.7M | $1.3M | $3.2M | $3.8M | $8.4M | $4.2M | $9.1M |
| Investing cash flow | -$384.0M | -$124.7M | -$1.01B | -$1.88B | $547.4M | $147.6M | -$342.0M | -$474.9M | -$754.8M | -$454.4M |
| Financing cash flow | $267.3M | $33.1M | $1.02B | $1.72B | -$640.2M | -$46.5M | $244.3M | $384.3M | $690.6M | $445.3M |
| Dividends paid | $59.5M | $59.0M | $58.3M | $58.3M | $56.6M | $55.5M | $50.5M | $37.6M | $27.7M | $23.4M |
| Buybacks | $4.0M | $1.9M | $6.0M | $6.3M | $5.6M | $2.3M | $9.1M | $19.7M | $54.0M | $128.4M |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001381668-25-000106.
Others in SIC 6035
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|---|---|---|---|---|
| AX | Axos Financial, Inc. | $5.56B | 11.6x | 23.5% |
| EBC | Eastern Bankshares, Inc. | $5.08B | 51.7x | 19.1% |
| BKU | BankUnited, Inc. | $3.30B | 13.1x | 7.4% |
| PFS | PROVIDENT FINANCIAL SERVICES INC | $3.09B | 10.6x | 7.1% |
| CFFN | Capitol Federal Financial, Inc. | $1.11B | 17.1x | 6.5% |
| HTB | HomeTrust Bancshares, Inc. | $788.8M | 12.7x | -2.1% |
| KRNY | Kearny Financial Corp. | $657.7M | 17.8x | -0.1% |
| NRIM | NORTHRIM BANCORP INC | $588.4M | 9.2x | 30.4% |