TFS Financial Company Leadership
| TFSL Stock | USD 12.11 0.27 2.28% |
About 95 percent of TFS Financial's insiders are activelly selling. The analysis of insider sentiment suggests that many TFS Financial insiders are, at present, panicking. TFS Financial employs about 995 people. The company is managed by 25 executives with a total tenure of roughly 235 years, averaging almost 9.0 years of service per executive, having 39.8 employees per reported executive.
| Marc Stefanski Chairman Chairman, CEO and President Chairman of Executive Committee and Member of Nominating Committee |
TFS Financial's Insider Buying Vs Selling
5
Selling | Buying |
Latest Trades
| 2024-03-08 | Bradley T Stefanski | Disposed 6269 @ 12.76 | View | ||
| 2024-02-29 | Gavin B Stefanski | Disposed 3449 @ 12.74 | View | ||
| 2024-02-13 | Daniel F Weir | Disposed 10500 @ 12.9 | View | ||
| 2024-01-11 | Daniel F Weir | Disposed 15000 @ 13.82 | View | ||
| 2024-01-09 | Daniel F Weir | Disposed 15000 @ 14.12 | View | ||
| 2024-01-03 | Daniel F Weir | Disposed 15000 @ 14.28 | View | ||
| 2023-12-27 | Daniel F Weir | Disposed 15000 @ 15.21 | View | ||
| 2023-12-21 | Daniel F Weir | Disposed 10000 @ 14.76 | View | ||
| 2023-12-19 | Daniel F Weir | Disposed 20000 @ 14.9 | View | ||
| 2023-12-08 | Russell C Holmes | Disposed 8358 @ 13.45 | View | ||
| 2023-12-04 | Meredith S Weil | Disposed 15883 @ 13.28 | View | ||
| 2023-11-29 | Ashley H Williams | Disposed 9000 @ 13.56 | View | ||
| 2023-08-24 | Gavin B Stefanski | Disposed 5000 @ 13.73 | View | ||
| 2023-08-21 | Marc A Stefanski | Disposed 17962 @ 13.82 | View | ||
| 2023-08-14 | Marc A Stefanski | Disposed 300 @ 14.92 | View | ||
| 2023-08-11 | Marc A Stefanski | Disposed 11813 @ 14.96 | View | ||
| 2023-05-02 | Daniel F Weir | Acquired 10000 @ 11.92 | View |
Monitoring TFS Financial's insider sentiment can offer insights into its future performance, as insiders often have access to more information about their company's operations, financial health, and upcoming initiatives than the general public. However, it's essential to note that insider trading is regulated by securities laws, and insiders are required to disclose their trades publicly to ensure transparency and prevent unfair advantages based on non-public information.
TFS |
TFS Financial Management Team Effectiveness
The value of Return On Tangible Assets is estimated to slide to 0. The value of Return On Capital Employed is expected to slide to 0.01. At this time, TFS Financial's Debt To Assets are quite stable compared to the past year. Asset Turnover is expected to rise to 0.02 this year, although the value of Total Assets will most likely fall to about 13.2 B. TFS Financial's management efficiency ratios could be used to measure how well TFS Financial manages its routine affairs as well as how well it operates its assets and liabilities.The value of Common Stock Shares Outstanding is expected to slide to about 312.5 M. The value of Net Income Applicable To Common Shares is expected to slide to about 61.2 M
TFS Financial Workforce Comparison
TFS Financial is currently regarded as top stock in number of employees category among related companies. The total workforce of Financials industry is at this time estimated at about 2,295. TFS Financial totals roughly 995 in number of employees claiming about 43% of equities under Financials industry.
TFS Financial Profit Margins
The company has Profit Margin (PM) of 0.24 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.39 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.39.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Net Profit Margin | 0.26 | 0.28 |
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| Operating Profit Margin | 0.33 | 0.35 |
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| Pretax Profit Margin | 0.36 | 0.35 |
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| Return On Assets | 0.0036 | 0.004 |
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| Return On Equity | 0.0285 | 0.0351 |
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TFS Financial Insider Trading History
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific TFS Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on TFS Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, TFS Financial insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
| Buy/Sell Ratio | # Purchases Trades | # Sales Trades | Total Shares Purchased | Total Shares Sold | |
|---|---|---|---|---|---|
| 2024-03-01 | 3.6 | 18 | 5 | 173,350 | 58,949 |
| 2023-12-01 | 0.7636 | 42 | 55 | 332,017 | 461,945 |
| 2023-09-01 | 0.3333 | 4 | 12 | 292,500 | 589,000 |
| 2023-06-01 | 2.0 | 4 | 2 | 24,179 | 13,679 |
| 2023-03-01 | 0.6667 | 2 | 3 | 29,700 | 56,593 |
| 2022-12-01 | 1.4194 | 44 | 31 | 361,591 | 157,805 |
| 2022-09-01 | 0.6364 | 7 | 11 | 32,929 | 83,627 |
| 2022-06-01 | 0.625 | 5 | 8 | 41,270 | 77,148 |
| 2022-03-01 | 0.1429 | 2 | 14 | 37,000 | 113,484 |
| 2021-12-01 | 1.25 | 45 | 36 | 369,363 | 245,167 |
| 2021-09-01 | 0.3636 | 4 | 11 | 496,270 | 997,050 |
| 2021-06-01 | 0.625 | 5 | 8 | 4,892 | 11,784 |
| 2021-03-01 | 0.5 | 9 | 18 | 196,847 | 305,490 |
| 2020-12-01 | 1.2041 | 59 | 49 | 830,366 | 1,253,098 |
| 2020-06-01 | 1.0 | 9 | 9 | 220,169 | 150,596 |
| 2020-03-01 | 0.6667 | 6 | 9 | 146,900 | 250,785 |
| 2019-12-01 | 0.975 | 39 | 40 | 510,100 | 741,848 |
| 2019-09-01 | 0.2 | 1 | 5 | 100,000 | 224,000 |
| 2019-06-01 | 0.5 | 3 | 6 | 12,240 | 17,915 |
| 2019-03-01 | 1.1429 | 8 | 7 | 278,722 | 440,856 |
| 2018-12-01 | 1.3333 | 32 | 24 | 212,565 | 82,261 |
| 2018-09-01 | 0.5556 | 5 | 9 | 110,310 | 232,251 |
| 2018-06-01 | 0.5 | 6 | 12 | 133,320 | 255,418 |
| 2018-03-01 | 3.2 | 16 | 5 | 851,399 | 133,926 |
| 2017-12-01 | 1.0323 | 32 | 31 | 113,932 | 105,965 |
| 2017-09-01 | 2.0 | 2 | 1 | 10,021 | 5,000 |
| 2017-06-01 | 0.625 | 5 | 8 | 20,400 | 41,597 |
| 2017-03-01 | 0.3333 | 1 | 3 | 10,000 | 21,711 |
| 2016-12-01 | 1.0 | 41 | 41 | 937,793 | 1,068,694 |
| 2016-09-01 | 0.3636 | 4 | 11 | 332,133 | 662,266 |
| 2016-06-01 | 0.4545 | 10 | 22 | 423,020 | 813,103 |
| 2016-03-01 | 0.375 | 3 | 8 | 336,900 | 669,587 |
| 2015-12-01 | 0.9216 | 47 | 51 | 1,582,168 | 2,239,411 |
| 2015-09-01 | 0.4 | 6 | 15 | 379,665 | 759,553 |
| 2015-06-01 | 2.2 | 11 | 5 | 544,800 | 82,177 |
| 2015-03-01 | 0.1818 | 2 | 11 | 18,500 | 191,851 |
| 2014-12-01 | 1.2432 | 46 | 37 | 813,029 | 270,977 |
| 2014-06-01 | 0.5625 | 9 | 16 | 95,999 | 208,647 |
| 2013-12-01 | 1.6471 | 28 | 17 | 553,931 | 120,269 |
| 2013-09-01 | 0.5833 | 7 | 12 | 70,000 | 116,500 |
| 2013-06-01 | 0.5 | 3 | 6 | 30,000 | 54,000 |
| 2013-03-01 | 0.3 | 3 | 10 | 7,800 | 112,400 |
| 2012-12-01 | 2.125 | 17 | 8 | 731,732 | 37,865 |
| 2012-09-01 | 0.8889 | 8 | 9 | 73,387 | 76,774 |
| 2012-06-01 | 1.0 | 3 | 3 | 30,000 | 30,000 |
| 2011-09-01 | 0.4444 | 8 | 18 | 90,000 | 232,100 |
| 2011-06-01 | 2.3333 | 7 | 3 | 129,999 | 23,000 |
| 2011-03-01 | 1.75 | 7 | 4 | 58,496 | 60,000 |
| 2010-09-01 | 1.125 | 9 | 8 | 90,000 | 80,000 |
| 2010-03-01 | 1.0 | 2 | 2 | 111.00 | 40,000 |
| 2009-09-01 | 1.4444 | 13 | 9 | 94,214 | 90,000 |
| 2009-03-01 | 3.0 | 12 | 4 | 275,011 | 65,000 |
| 2008-06-01 | 13.0 | 13 | 1 | 155,070 | 0.00 |
TFS Financial Notable Stakeholders
A TFS Financial stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as TFS Financial often face trade-offs trying to please all of them. TFS Financial's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting TFS Financial's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
| Marc Stefanski | Chairman, CEO and President Chairman of Executive Committee and Member of Nominating Committee | Profile | |
| David Huffman | CFO and Secretary | Profile | |
| Paul Huml | COO and Chief Accounting Officer | Profile | |
| Anthony Asher | Independent Director | Profile | |
| Terrence Ozan | Independent Director | Profile | |
| William Mulligan | Independent Director | Profile | |
| Meredith Weil | VP, Director, Member of Nominating Committee and COO of Third Federal Savings and Loan | Profile | |
| Martin Cohen | Independent Director | Profile | |
| Ben Stefanski | Independent Director | Profile | |
| Paul Stefanik | Independent Director | Profile | |
| Ashley Williams | Director | Profile | |
| Robert Fiala | Independent Director | Profile | |
| Robert Heisler | Independent Director | Profile | |
| John Ringenbach | Director | Profile | |
| Cathy Zbanek | Chief Marketing and HR Officer of Third Federal Savings and Loan | Profile | |
| Judith Adam | Chief Risk Officer | Profile | |
| Gavin Stefanski | Chief Cleveland | Profile | |
| Susanne Miller | Chief Officer | Profile | |
| Anna Motta | CIO | Profile | |
| Kathleen Danckers | Chief Officer | Profile | |
| Timothy Mulhern | Chief Officer | Profile | |
| Russell Holmes | Chief Cleveland | Profile | |
| Deborah Hand | Chief Officer | Profile | |
| Andrew Rubino | Chief Cleveland | Profile | |
| Bradley Stefanski | Chief Cleveland | Profile |
About TFS Financial Management Performance
The success or failure of an entity such as TFS Financial often depends on how effective the management is. TFS Financial management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of TFS management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the TFS management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0 | 0 | |
| Return On Capital Employed | 0.01 | 0.01 | |
| Return On Assets | 0 | 0 | |
| Return On Equity | 0.04 | 0.03 |
The data published in TFS Financial's official financial statements usually reflect TFS Financial's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of TFS Financial. For example, before you start analyzing numbers published by TFS accountants, it's critical to develop an understanding of what TFS Financial's liquidity, profitability, and earnings quality are in the context of the Thrifts & Mortgage Finance space in which it operates.
Please note, the presentation of TFS Financial's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, TFS Financial's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in TFS Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of TFS Financial. Please utilize our Beneish M Score to check the likelihood of TFS Financial's management manipulating its earnings.
TFS Financial Workforce Analysis
Traditionally, organizations such as TFS Financial use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare TFS Financial within its industry.TFS Financial Manpower Efficiency
Return on TFS Financial Manpower
| Revenue Per Employee | 306.5K | |
| Revenue Per Executive | 12.2M | |
| Net Income Per Employee | 75.6K | |
| Net Income Per Executive | 3M |
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in TFS Financial. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in state. For more information on how to buy TFS Stock please use our How to buy in TFS Stock guide.You can also try the Aroon Oscillator module to analyze current equity momentum using Aroon Oscillator and other momentum ratios.
Complementary Tools for TFS Stock analysis
When running TFS Financial's price analysis, check to measure TFS Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy TFS Financial is operating at the current time. Most of TFS Financial's value examination focuses on studying past and present price action to predict the probability of TFS Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move TFS Financial's price. Additionally, you may evaluate how the addition of TFS Financial to your portfolios can decrease your overall portfolio volatility.
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Is TFS Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of TFS Financial. If investors know TFS will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about TFS Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.11) | Dividend Share 1.13 | Earnings Share 0.25 | Revenue Per Share 1.087 | Quarterly Revenue Growth (0.06) |
The market value of TFS Financial is measured differently than its book value, which is the value of TFS that is recorded on the company's balance sheet. Investors also form their own opinion of TFS Financial's value that differs from its market value or its book value, called intrinsic value, which is TFS Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because TFS Financial's market value can be influenced by many factors that don't directly affect TFS Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between TFS Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if TFS Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, TFS Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.