Tfs Financial's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Tfs Financial (TFSL) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Tfs Financial vs Its Competitors
- TTM: Trailing 12-month revenue of 347M vs 128,305M combined for tracked competitors (0.3% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+6.9% annualized vs trailing 12 months), vs accelerating (+5.6%) for its tracked peer group.
- Growth: Tfs Financial generated 15.2% revenue growth year over year in Q3 2026, vs 15.8% for its tracked competitors combined.
- Profitability: Its 32.5% net margin compares with 28.7% for the peer group.
- Scale: Tfs Financial ranks #4 of 40 companies by market capitalization in the S&Ls Savings Banks industry, holding 1.1% of industry market cap.
- Peer revenue share: Tfs Financial accounted for 0.3% of combined revenue among its tracked peer group, up from 0.3% a year earlier.
- Peer differentiation: Revenue per employee of $0.36M compares with $0.56M for the peer group (0.7x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
TFSL Sales vs. its Competitors, Q3 2026
Tfs Financial reported revenue growth of 15.19 % year on year in Q3 2026, below its competitors' combined revenue growth of 15.76 %.
With a net margin of 32.49 %, Tfs Financial achieved higher profitability than its competitors (28.65 %).
Tfs Financial generated 0.27 % of the combined sales of its peer group, up from 0.27 % a year earlier.
Tfs Financial vs. its Competitors, Q3 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Tfs Financial and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Tfs Financial Corporation | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (5) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Tfs Financial's competitor groups requires a Commercial License.
For context: the S&Ls Savings Banks industry grew revenue 2,106.4% year over year, combined, vs 15.2% for Tfs Financial. Tfs Financial's share of combined industry revenue moved from 1.59% to 0.08%, a loss of 1.51 percentage points.
Tfs Financial's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Tfs Financial Corporation | Yes | Yes | Yes | No |
| Competitors combined (24) | ||||
| Similar-Size Competitors (7) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
TFSL Stock Performance relative to its Competitors
TFSL Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Brookline Bancorp inc | 282.9% | Outperformed |
| 2 | Home Federal Bancorp Inc Of Louisiana | 282.9% | Outperformed |
| 3 | Broadway Financial Corporation | 282.9% | Outperformed |
| 4 | Kentucky First Federal Bancorp | 282.9% | Outperformed |
| 5 | Cf Bankshares Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Tfs Financial's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Tfs Financial's Comment on Competition and Industry Peers
The Association faces intense competition in its market areas both in making
loans and attracting deposits. Its market areas have a high concentration of
financial institutions, including large money center and regional banks, community
banks and credit unions, and it faces additional competition for deposits from
money market funds, brokerage firms, mutual funds and insurance companies. Some
of its competitors offer products and services that the Association currently
does not offer, such as commercial business loans, trust services and private
banking.
The DFA, which was signed into law in July 2010, required that the FDIC amend its regulations on assessing insured institutions in order to fund the DIF. The resulting change effectively eliminated the funding cost advantage that borrowed funds generally had when compared to the funding cost associated with deposits. As a result, many financial institutions, including institutions that compete in our markets, have targeted retail deposit gathering as a more attractive funding source than borrowings, and have become more active and more competitive in their deposit product pricing. The combination of reduced demand for borrowed funds, more competition with respect to rates paid to depositors, and low savings rates that lead to reduced appeal for investors that have traditionally allocated a portion of their portfolios to insured savings accounts, has created an increasingly difficult marketplace for attracting deposits, which could adversely affect future operating results.
Publicly Traded Peers of Tfs Financial Corporation
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Tfs Financial Corporation | 4,608.90 | 347.23 |
| Bank Of America Corporation | 404,609.27 | 121,098.00 |
| Wintrust Financial Corp | 9,834.55 | 2,761.82 |
| First Financial Bankshares Inc | 4,605.53 | 637.20 |
| Texas Capital Bancshares Inc | 4,172.71 | -637.40 |
| Bankunited inc | 3,092.07 | 1,044.86 |
| SUBTOTAL | 441,573.26 | 129,171.35 |
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Sources: Tfs Financial Corporation's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Tfs Financial Corporation versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Tfs Financial's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Northrim Bancorp Inc | Community Banking 69.21 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Tfs Financial's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Tfs Financial Corporation | 4,609 | 362,452 | 106,119 |
| Bank Of America Corporation | 404,609 | 568,535 | 158,005 |
| Wintrust Financial Corp | 9,835 | 467,946 | 146,512 |
| First Financial Bankshares Inc | 4,606 | 398,252 | 168,133 |
| Texas Capital Bancshares Inc | 4,173 | -357,087 | 204,261 |
| Bankunited inc | 3,092 | 579,511 | 151,167 |
| PEERS TOTAL | 436,964 | 556,108 | 156,630 |
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Tfs Financial's Position in Industry Market Structure
Market-capitalization share and concentration across all 37 companies in Tfs Financial's industry classification, broader than the peer set above. Market cap in millions of $.Tfs Financial ranks #4 of 37 companies by market capitalization in its industry, holding 1.08 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 5, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 2 | Axos Financial Inc | 4,970 | 1.15 % |
| 3 | Eastern Bankshares Inc | 4,679 | 1.08 % |
| 4 | Tfs Financial Corporation | 4,661 | 1.08 % |
| 5 | Bankunited inc | 3,122 | 0.72 % |
| 6 | Provident Financial Services Inc | 1,234 | 5.2% |
| 7 | Columbia Financial Inc | 1,234 | 5.2% |
| 8 | Brookline Bancorp inc | 1,234 | 5.2% |
| 9 | Capitol Federal Financial Inc | 1,234 | 5.2% |
| 10 | Hometrust Bancshares Inc | 1,234 | 5.2% |
| 11 | Kearny Financial Corp | 1,234 | 5.2% |
Market cap and industry share for the rest of Tfs Financial's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-28.
Tfs Financial's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 2 | Axos Financial Inc | 4,970 | 0.50 % |
| 3 | Eastern Bankshares Inc | 4,679 | 17.27 % |
| 4 | Tfs Financial Corporation | 4,661 | 26.89 % |
| 5 | Bankunited inc | 1,234 | 12.3% |
| 6 | Provident Financial Services Inc | 1,234 | 12.3% |
| 7 | Columbia Financial Inc | 1,234 | 12.3% |
| 8 | Brookline Bancorp inc | 1,234 | 12.3% |
| 9 | Capitol Federal Financial Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Tfs Financial's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-28. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Tfs Financial's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the S&Ls Savings Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (61 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 58.30 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 154.92 % | 37.67 % (avg) | +117.3 pp |
| Capital Intensity (Capex / Revenue) | - | 3.69 % (avg) | - |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Tfs Financial's Valuation vs Competitive Position
Valuation multiples vs the S&Ls Savings Banks industry average (61 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 46.1x | 29.5x | +16.6x |
| EV / EBITDA | 7.3x | 10.9x | -3.6x |
| P/B | 2.4x | 1.1x | +1.3x |
| Return on Equity | 5.30 % | industry aggregate | -3.67 % |
| Return on Invested Capital | - | 2.28 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Tfs Financial's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | -121.43 % | - | -20.80 % | -4.70 % | 7.74 % | -0.63 % | 0.99 % | 7.48 % |
| Operating Margin | 383.71 % | 48.28 % | 33.46 % | 31.93 % | 32.90 % | 30.30 % | 33.68 % | 35.07 % |
| Return on Invested Capital | -7.30 % | 5.07 % | 2.85 % | 2.51 % | 0.93 % | 0.49 % | 0.54 % | 0.60 % |
| P/E | 53.8x | 66.4x | 58.8x | 70.7x | 48.6x | 53.0x | 47.3x | 43.2x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Tfs Financial's BCG Growth-Share Matrix
Relative market share (vs Tfs Financial's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Tfs Financial falls in the Dog quadrant: relative market share of 0.94x vs its largest competitor, in an industry growing revenue 8.5% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Tfs Financial's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 5 (see Industry Market Structure & Concentration above) |
| Supplier Power | Not covered on this page | See Tfs Financial's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Tfs Financial's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Tfs Financial's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Tfs Financial falls in the Medium attractiveness / High strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Tfs Financial's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+6.9% annualized vs trailing 12 months).
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
No rule matched.
Opportunities
No rule matched.
Threats
- Losing revenue share to the broader industry (-1.5 points over the past year).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Tfs Financial's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Tfs Financial Corporation | 1.02 | 176.49 | - |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wintrust Financial Corp | 0.09 | 0.04 | 0.16 |
| First Financial Bankshares Inc | 0.01 | 0.70 | 0.01 |
| Texas Capital Bancshares Inc | 0.04 | 1.53 | 0.25 |
| Bankunited inc | 0.00 | 0.02 | 0.11 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Tfs Financial's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Tfs Financial Corporation | Q2 2026 | +15.2 % | +40.1 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wintrust Financial Corp | Q2 2026 | +10.3 % | +19.5 % |
| First Financial Bankshares Inc | Q2 2026 | +9.8 % | +7.9 % |
| Texas Capital Bancshares Inc | Q2 2026 | - | +9.9 % |
| Bankunited inc | Q2 2026 | +4.2 % | +1.2 % |
| PEERS TOTAL | +15.7 % | +26.3 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Tfs Financial's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Tfs Financial Corporation | Q2 2026 | - | +101.2 % |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wintrust Financial Corp | Q2 2026 | +4.0 % | - |
| First Financial Bankshares Inc | Q2 2026 | +33.6 % | +232.0 % |
| Texas Capital Bancshares Inc | Q2 2026 | +20.0 % | +80.3 % |
| Bankunited inc | Q2 2026 | -3.8 % | +2,220.3 % |
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Tfs Financial's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Tfs Financial Corporation | 0.58% | 0.58% | 5.30% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wintrust Financial Corp | 1.20% | 3.12% | 11.84% |
| First Financial Bankshares Inc | 1.76% | 5.03% | 14.00% |
| Texas Capital Bancshares Inc | 1.11% | 2.98% | 10.04% |
| Bankunited inc | 0.78% | 2.06% | 9.01% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Tfs Financial's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Tfs Financial Corporation | 45.36 | 13.27 |
| Bank Of America Corporation | 12.78 | 3.34 |
| Wintrust Financial Corp | 10.91 | 3.56 |
| First Financial Bankshares Inc | 17.14 | 7.23 |
| Texas Capital Bancshares Inc | 12.36 | - |
| Bankunited inc | 11.70 | 2.96 |
| PEERS AVERAGE | 12.14 | 3.42 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.