Valuation dashboard for TFS Financial Corporation (TFSL) with P/E 45.69, P/B 2.30, EV/EBITDA 36.0 and dividend yield 7.05%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
TFS Financial Corporation delivers a comprehensive array of retail banking solutions to individual consumers across the United States. The company's deposit offerings encompass savings, money market, and checking accounts, in addition to individual retirement accounts, various qualified retirement plans, and certificates of deposit.
What would it be worth at its usual multiples?
Versus its usual multiples: expensive · Current P/B 2.3× · Multiples range: $5.75 · $8.99.
At Kaplio's cap P/B for its ROTCE 4.8 % (0.8×) $6 (-65 %); at its peers' median (1.2×) $9 (-46 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
Analysis Summary
TFS Financial Corporation reported revenue of $839.2M in the most recent fiscal year, growing at a 5-year CAGR of 13.5%. Net income reached $100.7M, with a 4.5% 5-year CAGR.
Trailing-twelve-month margins: gross margin 41.2%, operating margin 14.5%, net margin 12.1%.
At $16.52 (closing price, November 2, 2026), TFSL trades at a P/E of 45.69 and an ROE of 5.17%. Market capitalisation stands at $4.6B.
Balance sheet quality for TFSL: debt-to-equity ratio of 2.86, current ratio of 0.10 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 45.69 |
| Price / Book | 2.30 |
| EV / EBITDA | 36.0 |
| Dividend Yield | 7.05% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| TFSL | TFS Financial Corporation | $4.6B | 45.69 | 2.30 | 5.2% |
| WSFS | WSFS Financial Corporation | $4.1B | 12.66 | 1.57 | 12.4% |
| NWBI | Northwest Bancshares, Inc. | $2.3B | 11.61 | 1.22 | 10.5% |
| 0O84.L | DNB Bank ASA | NOK 478.2B | 11.51 | 1.72 | 14.5% |
| MFG | Mizuho Financial Group, Inc. | $118.0B | 13.75 | 1.63 | 12.3% |
| HDB | HDFC Bank Limited | $116.4B | 13.61 | 1.79 | 13.5% |
| IBN | ICICI Bank Limited | $107.2B | 17.30 | 2.62 | 15.9% |
| SBID.L | State Bank of India | $94.7B | 10.23 | 1.42 | 14.3% |
Price
| Price | $16.52 (closing price, November 2, 2026) |
| Market Cap | $4.6B |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 5.17% |
| Return on Invested Capital | 1.20% |
| Return on Assets | 0.55% |
| Gross Margin | 41.24% |
| Operating Margin | 14.55% |
| Net Margin | 12.11% |
Related companies: WSFS · NWBI · 0O84.L · MFG · HDB · IBN · SBID.L · USB
Explore sector: Financial Services · Banks - Regional
More sections of TFSL: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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