RankAlpha logo
Back to Rankings

TFSL

TFS FinancialC
Nasdaq / Banks
Last Price
Quote time unavailable
View Chart
Current thesis
Dividend-waiver approval could support capital returns, while Q2 operating momentum and mortgage-growth commentary provide a constructive setup.
Posture
Mixed
Lead driver
Sentiment
What changed
Next scheduled catalyst: earnings 2026-10-29.
What can break
Deposits declined while FHLB borrowings increased in Q2, leaving funding-cost and liquidity sensitivity as monitoring risks. [#SEC-8K-2026-04-30]
Momentum
50
Value
41
Sentiment
63
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $18.50 · Bull $21.50 · Bear $15.50Analysis 2026-07-28; returns require an exact persisted reference.
Earnings
2026-10-29
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $18.25
Why
Momentum50 · Δ7d -5.7
Value41 · Δ7d 0.0
Sentiment63 · Δ7d -1.0
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-29.
  • • Sentiment remains the lead driver in the composite, 7D delta -1.0.

Contradictions & invalidation

  • • Deposits declined while FHLB borrowings increased in Q2, leaving funding-cost and liquidity sensitivity as monitoring risks. [#SEC-8K-2026-04-30]
  • • Federal Reserve non-objection timing and outcome are unknown.
  • • The approval process remains uncertain, Q3 earnings evidence is unverified, and Q2 showed modestly higher delinquencies, lower deposits, and greater FHLB borrowing.

Catalyst clock

2026-10-29

Dividend-waiver approval and Federal Reserve non-objection

Lead driver: Sentiment · See AI snapshot
Momentum
50
8% active weight
Current posture
7d trendSoftening
Δ7d
-5.7
Δ21d
-1.2
Value
41
47% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
-0.1
Sentiment
63
45% active weight
Current posture
7d trendSoftening
Δ7d
-1.0
Δ21d
-9.1
Why this grade

Composite grade C. Momentum 50.0 / Value 41.2 / Sentiment 62.6

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-28. Scenario method

B+
Bull case
25%
Probability
Target price
$21.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$18.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$15.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$4.66B
Beta
0.75
Shares Out
280.44M
P/E (TTM)
43.0
P/S (TTM)
12.00
P/FCF (TTM)
337.36
Rev YoY
+5.9%
EPS YoY
+44.2%
Gross Margin
-
Op Margin
+15.7%
Net Debt
$4.85B
Current Ratio
0.19
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data