Third Federal lends in 28 states and the District of Columbia with 21 full service branches in Northeast Ohio, two lending offices in Central and Southern Ohio, and 15 full service branches throughout Florida. The company operates as a leading provider of savings and mortgage products with a mission to help people achieve home ownership and financial security.
Cyborg Score Rationale
TFS Financial had total consolidated assets of $17.5 billion at September 30, 2025. The company maintains a stable dividend profile and operates in a mature banking sector with manageable scale. Recent earnings showed mixed results with Q1 EPS of $0.08 versus analyst estimates of $0.09.
Top Insights
Management adapted to three recent Fed rate cuts with net interest income increasing by $7.4 million over the same period in 2025
Company pays quarterly cash dividend of $0.2825 per share, though 81% is owned by mutual holding company Third Federal Savings and Loan Association MHC
Concentrated business model focused on residential real estate lending and retail deposits in regional markets