TFSLTFS Financial CORP
Savings Institution, Federally Chartered
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear91% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear77% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear0% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
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
- $0 · 0
- Open-market sells, 12 mo
- $515K · 3
- Net
- −$515K
Pay vs performance
No pay-versus-performance disclosure yet.