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Upturn AI SWOT - About
TFSL 
TFS Financial Corporation (TFSL)
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Upturn Advisory Summary
04/01/2025: TFSL (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -6.37% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.48B USD | Price to earnings Ratio 42.72 | 1Y Target Price 14.75 |
Price to earnings Ratio 42.72 | 1Y Target Price 14.75 | ||
Volume (30-day avg) 330644 | Beta 0.79 | 52 Weeks Range 10.72 - 14.37 | Updated Date 03/31/2025 |
52 Weeks Range 10.72 - 14.37 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 9.12% | Basic EPS (TTM) 0.29 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.69% | Operating Margin (TTM) 41.89% |
Management Effectiveness
Return on Assets (TTM) 0.48% | Return on Equity (TTM) 4.3% |
Valuation
Trailing PE 42.72 | Forward PE - | Enterprise Value 7682045440 | Price to Sales(TTM) 11.48 |
Enterprise Value 7682045440 | Price to Sales(TTM) 11.48 | ||
Enterprise Value to Revenue 27.07 | Enterprise Value to EBITDA - | Shares Outstanding 280799008 | Shares Floating 50000639 |
Shares Outstanding 280799008 | Shares Floating 50000639 | ||
Percent Insiders 0.48 | Percent Institutions 91 |
Analyst Ratings
Rating 3 | Target Price 14.75 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
TFS Financial Corporation
Company Overview
History and Background
TFS Financial Corporation was founded in 1938 as Third Federal Savings and Loan Association of Cleveland. Initially focused on providing affordable home financing, it has grown to become a diversified financial services company, offering a range of banking and investment products. In 2011 it converted to a stock holding company, becoming TFS Financial Corporation.
Core Business Areas
- Retail Banking: Offers traditional banking services including checking and savings accounts, mortgages, and other loans to individuals and small businesses.
- Commercial Real Estate Lending: Provides financing for commercial real estate projects.
- Wealth Management: Offers wealth management and investment advisory services.
Leadership and Structure
Marc A. Stefanski serves as Chairman and CEO. The company operates with a traditional corporate structure, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Primary product, providing financing for home purchases and refinances. Third Federalu2019s market share in the mortgage lending space is regional, concentrated in Ohio and Florida. Competitors include national mortgage lenders like Rocket Mortgage, United Wholesale Mortgage (UWMC), and large banks such as JPMorgan Chase (JPM).
- Savings Accounts and CDs: Offers various deposit products to attract customer deposits. Market share is regional. Competitors include other local and national banks, as well as online savings platforms.
- Commercial Real Estate Loans: Loans to develop, redevelop, and manage commercial real estate assets. The market share is regional. Competitors include Huntington Bancshares, KeyCorp, and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing headwinds due to rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Mortgage rates have been increasing and are above long-term averages.
Positioning
TFS Financial Corporation is a regional bank with a focus on traditional banking services. Its competitive advantages include a strong local presence and a history of conservative lending practices. A national presence is lacking.
Total Addressable Market (TAM)
The U.S. residential mortgage market is estimated to be in the trillions of dollars. TFS Financial's position within this TAM is relatively small compared to larger national lenders.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Conservative lending practices
- Long history of operations
- High level of customer satisfaction
Weaknesses
- Limited geographic diversification
- Lack of innovation compared to fintech competitors
- Dependence on interest rate spreads
- Smaller marketing budget compared to large competitors
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Strategic acquisitions
- Increased demand for mortgages in certain regions
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- KEY
- HBAN
- UWMC
- RKT
Competitive Landscape
TFS Financial Corporation faces intense competition from larger national banks and online lenders. It benefits from a strong local presence but lacks the scale and resources of its larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady but not exceptional, reflecting the conservative nature of the business.
Future Projections: Future growth projections would rely on analyst estimates and company guidance, considering the current macroeconomic environment.
Recent Initiatives: Recent initiatives include efforts to enhance online banking capabilities and expand into new markets.
Summary
TFS Financial Corporation is a financially stable regional bank with a long history. However, it faces challenges due to rising interest rates and increased competition. The company should focus on improving its technology and expanding into new markets to enhance long-term growth. They must adapt to the changing financial landscape.
Similar Companies
CFG
Citizens Financial Group, Inc.
CFG
Citizens Financial Group, Inc.
FFBC
First Financial Bancorp
FFBC
First Financial Bancorp
FULT
Fulton Financial Corporation
FULT
Fulton Financial Corporation
HBAN
Huntington Bancshares Incorporated
HBAN
Huntington Bancshares Incorporated
KEY
KeyCorp
KEY
KeyCorp
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings (10-K, 10-Q)
- Third-party financial data providers
- Industry reports
Disclaimers:
The information provided is for general informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a financial advisor. Market share data is approximate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About TFS Financial Corporation
Exchange NASDAQ | Headquaters Cleveland, OH, United States | ||
IPO Launch date 2007-04-23 | Chairman, President & CEO Mr. Marc A. Stefanski | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 919 | Website https://www.thirdfederal.com |
Full time employees 919 | Website https://www.thirdfederal.com | ||
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company's deposit products include 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 as purchase mortgages and first mortgage refinance loans. In addition, the company offers escrow and settlement services. The company provides its products and services through its main office in Cleveland, Ohio; and multiple full-service branches and loan production offices located throughout the states of Ohio and Florida. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation is a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.
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