TFSLTFS Financial CORP
Savings Institution, Federally Chartered
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $4.6B
- Employees
- 958
- Net debt / EBITDA
- —
- AI in 10-K
- 0.0
- mentions per 10K words
Takeover score 2 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo91% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo77% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo0% of assetsOver 40% of assets
- Shareholder dissentNo93% lowest supportAny vote under 80% support
Buyer economics 2 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AIYes0.0 per 10K words · 0th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$4.6B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$3M netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $81M | $75M | $75M | $80M | $91M | 14% |
| Operating cash flow | $83M | $39M | $91M | $89M | $82M | 7.0% |
| Capex | $1M | $3M | $5M | $3M | $11M | 274% |
| Stock-based comp | $14M | $11M | $10M | $10M | $10M | 1.5% |
| Buybacks | $6M | $6M | $6M | $2M | $4M | 107% |
| Dividends | $57M | $58M | $58M | $59M | $60M | 1.0% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $616K · 5
- Open-market sells, 12 mo
- $3M · 25
- Net
- −$3M
Pay vs performance
No pay-versus-performance disclosure yet.