TFSL
TFS Financial Corporation
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Neutral
+17/100
Last price
16.57
▼ 0.20 (1.19%)
MARKET · —
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Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
—
Prev close
16.77
Day high
16.92
Day low
16.48
Volume
624.75K
Market cap
$4.65B
P/E (TTM)
46.03
52W range
12.54 – 19.49
Trailing performance
Returnvs SPY
1W
+1.66%
-0.3%
1M
-5.69%
-6.8%
3M
-4.50%
-9.0%
6M
+15.63%
-2.6%
YTD
+23.84%
+9.6%
1Y
+24.03%
+7.6%
3Y
+40.19%
-42.1%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on TFSL open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+355.07K
Net buying
Buy transactions
15
443.50K shares
Sell transactions
13
88.43K shares
Net transactions
+28
Buys less sells
Sell : buy shares
0.2 : 1
Mixed
Insider-held shares
1.26M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 11, 26 | STEFANSKI BRADLEY TAYLOR Officer |
SELL | 10.00K | $169.40K | Direct |
| Sep 8, 26 | STEFANSKI MARC A Chief Executive Officer |
SELL | 10.00K | $172.80K | Indirect |
| Sep 8, 26 | WILLIAMS ASHLEY H Director |
SELL | 10.00K | $172.80K | Indirect |
| Sep 3, 26 | WEIL MEREDITH S Chief Financial Officer |
CONVERSION | 52.79K | $778.17K | Direct |
| Sep 3, 26 | WEIL MEREDITH S Chief Financial Officer |
SELL | 5.86K | $102.74K | Direct |
| Aug 31, 26 | ANDERSON BARBARA J Director |
SELL | 6.10K | $108.76K | Direct |
| Aug 28, 26 | WEIL MEREDITH S Chief Financial Officer |
CONVERSION | 4.71K | $69.38K | Direct |
| Aug 28, 26 | WEIL MEREDITH S Chief Financial Officer |
SELL | 600 | $10.80K | Direct |
| Aug 13, 26 | WEIR DANIEL F. Director |
STOCK | 5.00K | $0 | Direct |
| Aug 5, 26 | STEFANSKI GAVIN B Officer |
SELL | 6.50K | $119.28K | Indirect |
| Jun 15, 26 | ZBANEK CATHY W Officer |
CONVERSION | 67.50K | $994.95K | Direct |
| Jun 11, 26 | WEIL MEREDITH S Chief Financial Officer |
CONVERSION | 50.00K | $737.00K | Direct |
| Jun 11, 26 | WEIL MEREDITH S Chief Financial Officer |
SELL | 4.32K | $72.51K | Direct |
| Jun 9, 26 | ZBANEK CATHY W Officer |
CONVERSION | 60.00K | $884.40K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
COHEN MARTIN J |
Director | 127.86K | Conversion of Exercise of derivative security |
FIALA ROBERT A |
Director | 75.90K | Conversion of Exercise of derivative security |
MULLIGAN WILLIAM C |
Director | 68.90K | Conversion of Exercise of derivative security |
OZAN TERRENCE R |
Director | 91.00K | Conversion of Exercise of derivative security |
RINGENBACH JOHN P |
Director | 55.74K | Conversion of Exercise of derivative security |
STEFANSKI BRADLEY TAYLOR |
Officer | 57.22K | Sale |
STEFANSKI MARC A |
Chief Executive Officer | — | Sale |
WEIR DANIEL F. |
Director | 80.19K | Stock Gift |
WILLIAMS ASHLEY H |
Director | — | Sale |
ZBANEK CATHY W |
Officer | 94.54K | Conversion of Exercise of derivative security |
Fundamentals
Market cap$4.65B
Enterprise value$9.90B
Revenue (TTM)$347.23M
Gross profit$347.23M
EBITDA—
Net income$100.55M
EPS (TTM)$0.36
Free cash flow—
Total cash$577.42M
Total debt$5.86B
Book value / share$7.02
Shares outstanding280.44M
Float50.41M
Short % of float15.49%
Dividend yield7.68%
Beta (5Y)0.73
Valuation & profitability ratios
Trailing P/E46.03
Forward P/E42.49
PEG ratio72.62
Price / sales—
Price / book2.36
EV / revenue28.51
EV / EBITDA—
Gross margin0.00%
Operating margin45.41%
Profit margin29.39%
Return on equity5.31%
Return on assets0.58%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $321.47M | $303.16M | $305.00M | $291.20M | +6.0% |
| Operating revenue | $321.47M | $303.16M | $305.00M | $291.20M | +6.0% |
| Selling, general & admin | $142.30M | $142.08M | $151.53M | $139.96M | +0.2% |
| Pre-tax income | $114.72M | $100.31M | $93.37M | $92.05M | +14.4% |
| Tax provision | $23.76M | $20.73M | $18.12M | $17.49M | +14.6% |
| Net income | $90.96M | $79.59M | $75.25M | $74.56M | +14.3% |
| Net income to common | $89.50M | $78.16M | $73.68M | $73.06M | +14.5% |
| Basic EPS | 0.32 | 0.28 | 0.26 | 0.26 | +14.3% |
| Diluted EPS | 0.32 | 0.28 | 0.26 | 0.26 | +14.3% |
| Basic shares | 278.72M | 278.18M | 277.44M | 277.37M | +0.2% |
| Diluted shares | 279.76M | 279.14M | 278.58M | 278.69M | +0.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $429.44M | $463.72M | $466.75M | $369.56M | -7.4% |
| Accounts receivable | $62.55M | $59.40M | $53.91M | $40.26M | +5.3% |
| Property, plant & equipment | $40.02M | $33.19M | $34.71M | $34.53M | +20.6% |
| Goodwill & intangibles | $8.55M | $7.63M | $7.40M | $7.94M | +12.1% |
| Total assets | $17.46B | $17.09B | $16.92B | $15.79B | +2.1% |
| Long-term debt | $4.90B | $4.82B | $5.30B | $4.82B | +1.6% |
| Total debt | $4.90B | $4.82B | $5.30B | $4.82B | +1.6% |
| Total liabilities | $15.56B | $15.23B | $14.99B | $13.95B | +2.2% |
| Retained earnings | $946.78M | $915.49M | $886.98M | $870.05M | +3.4% |
| Shareholder equity | $1.89B | $1.86B | $1.93B | $1.84B | +1.7% |
| Net tangible assets | $1.89B | $1.85B | $1.92B | $1.84B | +1.6% |
| Shares issued | 332.32M | 332.32M | 332.32M | 332.32M | 0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $90.96M | $79.59M | $75.25M | $74.56M | +14.3% |
| Depreciation & amortisation | $23.05M | $19.03M | $18.11M | $27.04M | +21.1% |
| Stock-based compensation | $9.65M | $9.50M | $10.00M | $11.01M | +1.5% |
| Change in working capital | -$12.19M | $8.86M | -$2.87M | -$14.20M | -237.6% |
| Operating cash flow | $82.42M | $88.60M | $90.72M | $38.93M | -7.0% |
| Capital expenditure | -$11.45M | -$3.06M | -$5.10M | -$2.70M | -273.8% |
| Investing cash flow | -$383.98M | -$124.71M | -$1.01B | -$1.88B | -207.9% |
| Share buybacks | -$3.98M | -$1.93M | -$5.98M | -$6.29M | -106.6% |
| Dividends paid | -$59.53M | -$58.95M | -$58.29M | -$58.30M | -1.0% |
| Financing cash flow | $267.28M | $33.08M | $1.02B | $1.72B | +708.0% |
| Free cash flow | $70.97M | $85.54M | $85.62M | $36.23M | -17.0% |
| End cash position | $429.44M | $463.72M | $466.75M | $369.56M | -7.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $89.27M | $85.24M | $83.73M | $85.48M | $82.04M | +4.7% |
| Operating revenue | $89.27M | $85.24M | $83.73M | $85.48M | $82.04M | +4.7% |
| Selling, general & admin | $35.96M | $37.76M | $39.97M | $35.50M | $36.98M | -4.8% |
| Pre-tax income | $38.68M | $29.84M | $28.50M | $32.44M | $27.36M | +29.6% |
| Tax provision | $8.14M | $6.60M | $6.22M | $6.44M | $5.84M | +23.4% |
| Net income | $30.54M | $23.25M | $22.27M | $26.00M | $21.51M | +31.4% |
| Net income to common | $30.14M | $22.88M | $21.91M | $25.62M | $21.15M | +31.7% |
| Basic EPS | 0.11 | 0.08 | 0.08 | 0.09 | 0.08 | +37.5% |
| Diluted EPS | 0.11 | 0.08 | 0.08 | 0.09 | 0.08 | +37.5% |
| Basic shares | 278.85M | 278.86M | 278.75M | 278.76M | 278.83M | -0.0% |
| Diluted shares | 280.18M | 279.93M | 283.30M | 279.89M | 279.87M | +0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $568.93M | $437.28M | $456.71M | $429.44M | $452.58M | +30.1% |
| Accounts receivable | $63.69M | $59.93M | $60.30M | $62.55M | $60.43M | +6.3% |
| Property, plant & equipment | $45.65M | $43.43M | $40.45M | $40.02M | $39.06M | +5.1% |
| Goodwill & intangibles | $8.86M | $8.97M | $8.83M | $8.55M | $7.77M | -1.3% |
| Total assets | $18.08B | $17.48B | $17.50B | $17.46B | $17.38B | +3.4% |
| Long-term debt | $5.86B | $5.17B | $4.98B | $4.90B | $4.91B | +13.2% |
| Total debt | $5.86B | $5.17B | $4.98B | $4.90B | $4.91B | +13.2% |
| Total liabilities | $16.12B | $15.56B | $15.60B | $15.56B | $15.49B | +3.6% |
| Retained earnings | $977.59M | $962.21M | $954.16M | $946.78M | $935.74M | +1.6% |
| Shareholder equity | $1.96B | $1.92B | $1.90B | $1.89B | $1.89B | +1.8% |
| Net tangible assets | $1.95B | $1.91B | $1.89B | $1.89B | $1.88B | +1.8% |
| Shares issued | 280.44M | 332.32M | 332.32M | 332.32M | 332.32M | -15.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $30.54M | $23.25M | $22.27M | $26.00M | $21.51M | +31.4% |
| Depreciation & amortisation | $6.75M | $5.85M | $6.26M | $6.24M | $5.95M | +15.4% |
| Stock-based compensation | $3.29M | $3.11M | $2.65M | $2.61M | $2.34M | +6.0% |
| Change in working capital | $775.00K | -$9.02M | $18.26M | -$20.59M | $4.00M | +108.6% |
| Operating cash flow | $32.51M | $17.64M | $58.75M | -$11.10M | $26.75M | +84.3% |
| Capital expenditure | -$3.47M | -$4.25M | -$1.66M | -$2.14M | -$1.73M | +18.3% |
| Investing cash flow | -$503.44M | -$8.37M | $13.97M | -$73.62M | -$264.04M | -5,915.6% |
| Share buybacks | -$1.19M | -$2.09M | -$2.99M | -$2.47M | -$744.00K | +43.2% |
| Dividends paid | -$14.90M | -$14.93M | -$15.11M | -$14.86M | -$14.87M | +0.2% |
| Financing cash flow | $602.59M | -$28.70M | -$45.45M | $61.58M | $226.29M | +2,199.7% |
| Free cash flow | $29.04M | $13.39M | $57.09M | -$13.25M | $25.03M | +116.8% |
| End cash position | $568.93M | $437.28M | $456.71M | $429.44M | $452.58M | +30.1% |
Options analytics
Put / call volume
0.10
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
12.50
-24.6% from spot
ATM implied vol
12.5%
Nearest strike to spot
Skew (10% OTM)
0.0%
Calls bid over puts
Call volume
42
Contracts, this expiry
Put volume
4
Contracts, this expiry
Heaviest call OI
2.50
0 contracts
Heaviest put OI
12.50
40 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.08 | 0.11 | +37.5% |
| Mar 2026 | 0.08 | 0.08 | 0.0% |
| Dec 2025 | 0.09 | 0.08 | -11.1% |
| Sep 2025 | 0.08 | 0.09 | +12.5% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.09 | 2 | $90.22M | +5.5% |
| Next quarter | 0.10 | 2 | $91.34M | +9.1% |
| Current year | 0.36 | 2 | $347.75M | +8.2% |
| Next year | 0.39 | 2 | $374.16M | +7.6% |
Analyst targets & ownership
Mean target$18.25
High target$18.50
Low target$18.00
Implied upside10.14%
Analyst count2
ConsensusHOLD
Strong buy / Buy0 / 0
Hold2
Sell / Strong sell0 / 0
Held by insiders0.45%
Held by institutions95.18%
Institutions holding315
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
16.55
+0.13% from price
SMA 20
16.74
-1.02% from price
SMA 50
17.34
-4.44% from price
SMA 100
17.13
-3.28% from price
SMA 200
15.73
+5.37% from price
EMA 12
16.65
-0.48% from price
EMA 26
16.87
-1.78% from price
EMA 50
17.05
-2.80% from price
RSI (14)
42.2
Neutral
MACD (12,26,9)
-0.22
Hist 0.03
ATR (14)
0.31
1.84% of price
Realised vol 30D
16.2%
Annualised
Bollinger upper
17.25
20, 2σ
Bollinger lower
16.23
20, 2σ
50 / 200 cross
Golden
17.34 vs 15.73
Trend bias
Above 200
+5.37%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.58
Less volatile than market
Correlation to SPY
0.33
Loosely linked
Realised vol 30D
16.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-13.0%
Peak to trough
Max drawdown 5Y
-45.8%
Peak to trough
ATR 14
0.31
1.84% of price
Beta (reported)
0.73
5Y monthly, from filing
Short interest
Shares short
8.02M
Prior 7.72M
Change vs prior
+4.0%
Shorts adding
% of float
15.49%
Elevated
% of shares out
2.86%
Against total outstanding
Days to cover
10.6
Crowded exit
Float
50.41M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 3, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Aug 3, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| May 4, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| May 4, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| May 2, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Aug 19, 16 | Piper Sandler | DOWNGRADE | Overweight | Neutral |
| Dec 4, 15 | Piper Sandler | MAINTAINED | — | Overweight |
| Jun 5, 15 | Piper Sandler | INITIATED | — | Overweight |
| Jan 13, 14 | Boenning & Scattergood | INITIATED | — | Outperform |
Dividends & splits
Forward rate$1.27 / yr
Forward yield7.68%
5-year avg yield7.97%
Payout ratio313.89%
Ex-dividend dateSep 9, 2026
Next pay dateSep 23, 2026
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-24
Corporate Changes & Voting Matters
8-K · 2026-08-27
Periodic Financial Reports
10-Q · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-07-30
Corporate Changes & Voting Matters
8-K · 2026-07-07
Annual report of employee stock purchase
11-K · 2026-06-25
Corporate Changes & Voting Matters
8-K · 2026-05-28
Corporate Changes & Voting Matters
8-K · 2026-05-26
Headlines
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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