Insider buying last 90 days
No open-market insider purchases were filed for TFSL in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every TFSL insider filing, plotted on the chart in Gekko.Open TFSL in Gekko
NASDAQ: TFSL
TFS Financial (TFSL) Stock Analysis & Forecast
Sep 28 close
$16.45−0.27 (−1.6%)
Gekko Brief
AI summaryThis week's news around TFS Financial centers on governance rather than earnings or deals. The Board of Directors amended its bylaws, effective 24 September 2026, creating a new Vice Chairman position and removing the requirement for the company's President to sit on the Board, following regulatory non-objection. A comparison piece also weighed TFSL against Bankinter across valuation, ownership, risk, dividends and profitability measures, though without a stated conclusion.
TFSL closed at $16.45, down 1.6%, sitting between its 50-day average of $17.54 and 200-day average of $15.65. Shares are down 8.2% over one month and 6.2% over three months, but up 20.9% over six months and 25.5% over the past year, within a 52-week range of $12.54 to $19.49. The GekkoIndex reads 68.3, placing TFSL in the Accumulation zone, and price sits 9.4% below the Gekko Fair Value of $18.15.
TFS Financial's next earnings report is scheduled for 29 October 2026, 30 days out and beyond a typical 20-trading-day holding window. No insider, Congress or unusual options activity appears in their respective 90-day and 30-day windows. Seasonality over the next 20 trading days has averaged -0.7% across 5 years, with gains in 3 of those years. Two covering analysts currently rate TFSL a hold, with a consensus target of $19 implying 15.5% upside.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
TFS Financial price vs fair value
Close $16.45200-day averageGekko Fair Value $18.15
TFS Financial quick facts
- Market cap
- $4.61B
- P/E ratio
- 46.4
- Forward P/E
- 76.9
- EPS, TTM
- $0.36
- Revenue, TTM
- $347.2M
- Profit margin
- 29.4%
- Dividend yield
- 6.85%
- Beta
- 0.73
- Volume
- 593,673 avg 704,197
- 1-year return
- +25.5%
- Typical daily move
- ±1.8%
- Typical 20-day move
- ±5%
- 50-day average
- $17.54
- 200-day average
- $15.65
- Next earnings
- Oct 29
- Shares outstanding
- 280.4M
TFS Financial swing-trade checklist
TFS Financial scores 3 supportive, 2 mixed and 0 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive2 mixed0 headwinds
- Trendmixed
Averages disagree
Close $16.45 sits between the 50-day ($17.54) and 200-day ($15.65) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
68.3, Accumulation
Reading 68.3 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
9.4% below
Price is 9.4% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings risksupportive
Reports in 30 days
Next report Oct 29, 2026, 30 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalitymixed
−0.7% on average
From this point in the calendar, the next 20 trading days averaged −0.7% over 5 years, rising in 3 of them.
See seasonality
A description of current data, not a recommendation. How this page works
TFS Financial stock chart and price history
TFS Financial closed at $16.45 on Sep 28, 2026, +25.5% over the past year, inside a 52-week range of $12.54 to $19.49.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −8.2%
- 3 months
- −6.2%
- 6 months
- +20.9%
- 1 year
- +25.5%
The full TFSL chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open TFSL in Gekko
Follow TFS Financial through every session
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About TFS Financial
TFS Financial serves individual consumers throughout the United States with a full range of retail banking services. On the deposit side, it offers savings, money market and checking accounts, individual retirement accounts, qualified retirement plans and certificates of deposit. Its lending business covers residential mortgages, construction loans, home equity loans and lines of credit, home purchase financing and mortgage refinancing, and it also handles escrow and settlement work tied to these transactions.
The company operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC, and reaches customers through a physical branch network rather than a single-product focus. It runs 37 full-service branches together with 7 loan production offices, all located across Ohio and Florida, giving it a regional footprint concentrated in those two states.
TFS Financial traces its founding to 1938 and keeps its headquarters and main office in Cleveland, Ohio. Its shares trade on the NASDAQ under the ticker TFSL.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Savings banks
- Website
- thirdfederal.com
TFS Financial GekkoIndex: the smart money zone
TFS Financial’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 68.3, in the Accumulation zone, down 1 point over five sessions.
68.3Accumulation
Down 1 point over five sessions.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 30 | +0.9% | +1.4% | ||
| Accumulation (current zone) | 242 | +0.3% | +2.5% | ||
| Neutral | 356 | +0.3% | +0.1% | ||
| Distribution | 38 | −1.4% | −1.1% | ||
| Selling | 6 | Too few readings yet | |||
Average TFSL share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the TFSL price, zone by zone.Track TFSL in Gekko
Is TFS Financial stock overvalued? Gekko Fair Value
TFS Financial trades 9.4% below Gekko Fair Value of $18.15, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what TFS Financial shares are worth, recalculated every trading day.
$18.15
Gekko Fair Value, Sep 26, 2026
9.4% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open TFSL in Gekko
TFS Financial insider and Congress trading
No open-market insider purchases were filed for TFS Financial, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in TFSL were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for TFSL, plotted on the chart in Gekko.Open TFSL in Gekko
Buybacks
TFS Financial has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $1.19M
- As a share of market cap
- 0.03%
- Trailing four quarters
- $8.73M
From company filings.
TFS Financial earnings: next date and track record
TFS Financial reports on Oct 29, 2026 (30 days away), and beat the EPS estimate in 3 of its last 8 reports.
Next earnings report
Oct 29, 2026
30 days away
- EPS estimate
- $0.09
- Revenue estimate
- $90.22M
3 of 8reports beat the EPS estimate
±2.1%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Apr 30, 2026 | $0.08 est $0.08 | $85.24M est $84.70M | +2.1% |
| Jan 29, 2026 | $0.08 est $0.09 | $83.73M est $85.83M | −0.4% |
| Oct 30, 2025 | $0.09 est $0.08 | $85.48M est $84.41M | −0.8% |
| Jul 30, 2025 | $0.08 est $0.08 | $82.04M est $82.17M | +2.8% |
| Apr 30, 2025 | $0.07 est $0.07 | $79.12M est $69.42M | +0.9% |
| Jan 30, 2025 | $0.08 est $0.06 | $74.83M est $69.17M | +7.6% |
| Oct 30, 2024 | $0.06 est $0.06 | $75.14M est $72.75M | −0.7% |
| Jul 30, 2024 | $0.07 est $0.06 | $75.52M est $72.40M | −1.4% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
TFS Financial stock forecast and analyst price targets
Analysts’ average 12-month price target for TFS Financial is $19.00, +15.5% from the last close, from 2 firms rating the stock in the last 90 days.
$19.00consensus 12-month target, +15.5% from the last close
Now $16.45Avg $19.00
Low $18High $20
Each firm’s latest rating in the last 90 days: 2 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Aug 3 | KBW | $18 | +9.4% |
| Aug 3 | Piper Sandler | $20 | +21.6% |
| Jul 31 | Piper Sandler | $16 | −2.7% |
+2.5%average 20-day move after past Accumulation readings
−0.7%average move over the next 20 trading days in the last 5 years
±1.8%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
TFS Financial seasonality: the next 20 trading days
Over the next 20 trading days from Sep 26, TFS Financial averaged −0.7% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | −1.5% | 2 of 5 |
| Next 10 trading days | −1.7% | 1 of 5 |
| Next 15 trading days | −0.2% | 2 of 5 |
| Next 20 trading days | −0.7% | 3 of 5 |
| Next 30 trading days | +5.3% | 5 of 5 |
For scale, TFSL’s typical 20-trading-day move in either direction is about 5%.
TFS Financial market cap and key statistics
TFS Financial’s market cap is $4.61B, with a P/E ratio of 46.4 and revenue of $347.2M over the last twelve months.
Valuation
- Market cap
- $4.61B
- P/E ratio
- 46.4
- Forward P/E
- 76.9
- EPS, TTM
- $0.36
- Gekko Fair Value
- $18.15
Trading
- Volume
- 593,673
- Avg volume, 20 days
- 704,197
- 52-week high
- $19.49
- 52-week low
- $12.54
- Shares outstanding
- 280.4M
Financials
- Revenue, TTM
- $347.2M
- Profit margin
- 29.4%
- Return on equity
- 5.3%
- Quarterly earnings growth, YoY
- +42.5%
Risk and income
- Beta
- 0.73
- Typical daily move
- ±1.8%
- Typical 20-day move
- ±5%
- Dividend yield
- 6.85%
TFS Financial stock news this week
Coverage of TFS Financial this week reads neutral: 0 positive, 3 neutral and 0 negative headlines.
- TFS Financial (NASDAQ:TFSL) & Bankinter (OTCMKTS:BKNIY) Head to Head SurveyDefense World, Sep 28
- TFS Financial Updates Board Governance and Leadership StructureThe Globe and Mail, Sep 26
- The president no longer has to sit on TFS Financial’s (TFSL) board.Stock Titan, Sep 25
- TFS Financial Corporation Updates Bylaws to Introduce Vice Chairman RoleKalkine Media, Sep 25
- TFS Financial Corporation $TFSL Shares Newly Bought by Bank of America Corp DEDefense World, Sep 25
TFS Financial peers
TFS Financial’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| WBSWebster Financial | Neutral | 1.7% above |
| WSFSWSFS Financial | Accumulation | 8.3% below |
| PFSProvident Financial Services | Accumulation | 11.5% below |
| CLBKColumbia Financial | Accumulation | 12.6% below |
| NWBINorthwest Bancshares | Accumulation | 5.1% below |
| TFINTriumph Financial | Buying | 19.8% below |
A peer links to its own page where one exists.
TFS Financial stock FAQ
What is TFS Financial’s market cap?
TFS Financial’s market cap is $4.61B at the Sep 28, 2026 close of $16.45, with 280.4M shares outstanding. The shares trade on a P/E ratio of 46.4.
What is the TFS Financial stock forecast?
The consensus analyst 12-month price target for TFS Financial is $19.00, +15.5% from the last close. Of the 2 firms that rated the stock in the last 90 days, 0 rate it a buy, 2 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is TFS Financial stock overvalued or undervalued?
On Gekko’s estimate TFS Financial is undervalued: the Sep 28, 2026 close of $16.45 is 9.4% below Gekko Fair Value of $18.15. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does TFS Financial report earnings next?
TFS Financial is expected to report on Oct 29, 2026 (30 days away). Analysts expect earnings of $0.09 per share on revenue of $90.22M. TFS Financial beat the earnings estimate in 3 of its last 8 reports, moving 2.1% on average across the report.
What is TFS Financial’s 52-week high and low?
TFS Financial’s 52-week high is $19.49 and its 52-week low is $12.54; it closed at $16.45 on Sep 28, 2026, +25.5% over the past year. Over the last five years the shares peaked at $20.50 on Oct 15, 2021.
Is TFS Financial stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and earnings risk), 2 as mixed (trend and seasonality). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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