TFS Financial [TFSL] vs U.S. Bancorp [USB] Detailed Stock Comparison

TFS Financial Corporation

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: TFS Financial Corporation wins in 2 metrics, U.S. Bancorp wins in 17 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric TFS Financial Corporation U.S. Bancorp Better
P/E Ratio (TTM) 46.13 11.92 U.S. Bancorp
Price-to-Book Ratio 2.17 1.51 U.S. Bancorp
Debt-to-Equity Ratio 2.62 1.21 U.S. Bancorp
PEG Ratio 41.58 0.82 U.S. Bancorp
Profit Margin (TTM) 27.74% 29.29% U.S. Bancorp
Operating Margin (TTM) 37.47% 37.84% U.S. Bancorp
EBITDA Margin (TTM) 37.47% 37.84% U.S. Bancorp
Return on Equity 4.76% 12.35% U.S. Bancorp
Return on Assets (TTM) 0.53% 1.14% U.S. Bancorp
Free Cash Flow (TTM) $70.97M $7.97B U.S. Bancorp
Dividend Yield 9.99% 3.82% TFS Financial Corporation
1-Year Return 33.23% 37.10% U.S. Bancorp
Price-to-Sales Ratio (TTM) 12.65 3.32 U.S. Bancorp
Enterprise Value $8.64B $126.46B U.S. Bancorp
EV/Revenue Ratio 26.40 4.75 U.S. Bancorp
Revenue per Share (TTM) $1 $17 U.S. Bancorp
Earnings per Share (Diluted) $0.32 $4.77 U.S. Bancorp
Beta (Stock Volatility) 0.70 1.03 TFS Financial Corporation
Short % of Float 15.35% 0.00% U.S. Bancorp

TFS Financial Corporation vs U.S. Bancorp Stock Performance Analysis

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TFSL
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
TFS Financial Corporation-2.42%0.12%7.84%22.39%18.35%21.67%
U.S. Bancorp-1.95%4.41%8.79%12.96%7.60%7.16%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
TFS Financial Corporation33.23%32.81%-14.97%-2.08%74.61%43.51%
U.S. Bancorp37.10%76.20%7.67%43.37%140.67%88.43%

Performance & Financial Health Analysis: TFS Financial Corporation vs U.S. Bancorp

MetricTFSLUSB
Market Information
Market Cap i$4.13B$88.06B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i666,6229,829,002
90 Day Avg. Volume i718,57410,401,007
Last Close$16.51$57.79
52 Week Range$12.54 - $17.00$42.55 - $61.19
% from 52W High-2.88%-5.56%
All-Time High$22.54 (May 31, 2021)$63.57 (Jan 10, 2022)
% from All-Time High-26.75%-9.09%
Growth Metrics
Quarterly Revenue Growth0.11%0.05%
Quarterly Earnings Growth-0.01%0.14%
Financial Health
Profit Margin (TTM) i0.28%0.29%
Operating Margin (TTM) i0.37%0.38%
Return on Equity (TTM) i0.05%0.12%
Debt to Equity (MRQ) i2.621.21
Cash & Liquidity
Book Value per Share (MRQ)$6.82$37.54
Cash per Share (MRQ)$1.64$31.14
Operating Cash Flow (TTM) i$95.62M$6.04B
Levered Free Cash Flow (TTM) i$89.50M$7.19B
Dividends
Last 12-Month Dividend Yield i9.99%3.82%
Last 12-Month Dividend i$1.40$2.04

Valuation & Enterprise Metrics Analysis: TFS Financial Corporation vs U.S. Bancorp

MetricTFSL (Apr 24, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i46.1311.92
Forward P/E i41.5810.09
PEG Ratio i41.580.82
Price to Sales (TTM) i12.653.32
Price to Book (MRQ) i2.171.51
Market Capitalization
Market Capitalization i$4.13B$88.06B
Enterprise Value i$8.64B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i26.404.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.701.03
Book Value per Share (MRQ) i$6.82$37.54

Financial Statements Comparison: TFS Financial Corporation vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricTFSL (2025)USB (2025)
Revenue/Sales i321.47M28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i114.72M9.52B
Pre-Tax Income % of Revenue i35.7%33.3%
Income Tax i23.76M1.92B
Income Tax % of Revenue i7.4%6.7%
Net Income (Profit) i90.96M7.60B
Profit Margin i28.3%26.6%

Balance Sheet & Liquidity Metrics

MetricTFSL (2025)USB (2025)
Cash & Equivalents i429.44M46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i4.90B60.76B
Long-Term Debt % of Revenue i1,524.4%212.9%
Total Shareholders Equity i1.89B65.65B
Retained Earnings i946.78M80.91B
Retained Earnings % of Revenue i294.5%283.5%
Property, Plant & Equipment iN/A1.51B

Cash Flow Statement Comparison

MetricTFSL (2025)USB (2025)
Operating Cash Flow i98.49M6.04B
Operating Cash Flow % of Revenue i30.6%21.2%
Capital Expenditures i-11.45MN/A
Free Cash Flow i70.97M7.97B
FCF Margin i22.1%27.9%
Debt Repayment i-427.00M-9.05B
Common Stock Repurchase i-3.98M-489.00M

Short Interest & Institutional Ownership Analysis

MetricTFSLUSB
Shares Short i7.98M27,002
Short Ratio i9.850.00
Short % of Float i15.35%0.00%
Shares Outstanding i280.62M1.56B
Float Shares i50.35M1.55B
% Held by Insiders i0.46%0.14%
% Held by Institutions i93.87%83.55%
% Held by Public i5.67%16.31%

Dividend Analysis & Yield Comparison: TFS Financial Corporation vs U.S. Bancorp

MetricTFSLUSB
Last 12-Month Dividend i$1.40$2.04
Last 12-Month Dividend Yield i9.99%3.82%
3-Year Avg Annual Dividend i$1.21$1.98
3-Year Avg Dividend Yield i2.17%1.19%
3-Year Total Dividends i$3.64$5.95
Ex-Dividend DateMar 11, 2026Dec 31, 2025