olivLaw · US equity research
TFS Financial Corporation TFSL
Savings Institution, Federally Chartered · SIC 6035 · Vertical: Savings Institution, Federally Chartered (SIC 6035)
TFS Financial Corporation, the holding company of Third Federal Savings and Loan Association of Cleveland, is the nation's largest mutually-owned savings and loan association, focused on residential mortgage lending and retail deposits. It matters now because it reported record quarterly earnings for the quarter ended June 30, 2026, with the net interest margin rising to 1.90% amid uncertain interest rate conditions.
The AI analysis may be outdated: new filings came after its sources (see the «AI analysis» section).
At the close of 04 Nov 2026, TFS Financial Corporation (TFSL) stock was 16.71 USD (+1.64% on the day), with market capitalisation 4.7 bn USD, P/E 46.0 on diluted EPS of 0.36 USD over the last 12 months, dividend yield 6.76%, beta 0.62, 52-week range 13.29–18.61 USD. Latest reported quarter (Q3 2026): net income of 30.5 m USD (+42.0% YoY), diluted EPS 0.11 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 53.8
- neutral
- Bollinger (20, 2)
- 15.97 – 16.88
- in the upper half of the band · %B 0.81 · band width 5.5%
- SMA 50 / 200
- 16.75 / 15.99
- mixed trend
- MACD (12, 26, 9)
- -0.01 / -0.06
- MACD above signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | −0.4% | −2.0% | +1.6 pp | — |
| 3 months | −8.8% | −2.2% | −6.6 pp | — |
| 6 months | +10.7% | +4.3% | +6.4 pp | — |
| Year to date | +24.9% | +10.6% | +14.3 pp | — |
| 1 year | +24.2% | +10.5% | +13.8 pp | +26.3% |
| 3 years | +31.3% | +73.7% | −42.4 pp | +71.9% |
| 5 years | −17.3% | +61.7% | −79.0 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q3 2026 · 30 Jun 2026
Quarterly statements · USD
| Fiscal year | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
|---|---|---|---|---|---|---|---|---|
| Depreciation & amortisation | -9.5 m | 5.3 m | 5.6 m ≈ | 5.9 m ≈ | -12.2 m | 6.3 m | 5.8 m ≈ | 6.8 m ≈ |
| Pre-tax income | 23.1 m | 28.4 m | 26.5 m | 27.4 m | 32.4 m | 28.5 m | 29.8 m | 38.7 m |
| Income tax | 4.8 m | 6.0 m | 5.5 m | 5.8 m | 6.4 m | 6.2 m | 6.6 m | 8.1 m |
| Net income | 18.2 m | 22.4 m | 21.0 m | 21.5 m | 26.0 m | 22.3 m | 23.2 m | 30.5 m |
| Diluted EPS | 0.07 ≈ | 0.08 | 0.07 | 0.08 | 0.09 ≈ | 0.08 | 0.08 | 0.11 |
| Operating cash flow | -58.7 m | 45.5 m | 21.2 m ≈ | 26.8 m ≈ | -11.1 m | 58.7 m | 17.6 m ≈ | 32.5 m ≈ |
| Capex | 715.0 k | 637.0 k | 6.9 m ≈ | 1.7 m ≈ | 2.1 m | 1.7 m | 4.2 m ≈ | 3.5 m ≈ |
| Dividends paid | 14.8 m | 14.9 m | 14.9 m ≈ | 14.9 m ≈ | 14.9 m | 15.1 m | 14.9 m ≈ | 14.9 m ≈ |
| Share repurchases | 1.0 k | 767.0 k | 0 ≈ | 744.0 k ≈ | 2.5 m | 3.0 m | 2.1 m ≈ | 1.2 m ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 28 percentile of its own 39-quarter history (min 40.8, median 49.7, max 72.8; quarters with earnings only).
Fiscal years
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Revenue YoY | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Net income | 85.4 m | 80.2 m | 83.3 m | 81.0 m | 74.6 m | 75.3 m | 79.6 m | 91.0 m |
| Net income YoY | −3.9% | −6.1% | +3.8% | −2.8% | −8.0% | +0.9% | +5.8% | +14.3% |
| Diluted EPS | 0.30 | 0.28 | 0.29 | 0.29 | 0.26 | 0.26 | 0.28 | 0.32 |
| Diluted EPS YoY | −6.3% | −6.7% | +3.6% | 0.0% | −10.3% | 0.0% | +7.7% | +14.3% |
| net % | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Free cash flow | 83.7 m | 99.2 m | 118.6 m | 81.8 m | 36.2 m | 85.6 m | 85.5 m | 71.0 m |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 30 Sept 2025
- Cash
- 429.4 m USD
- Financial debt
- unavailable USD
- Net debt
- unavailable USD
- Equity
- 1.9 bn USD
- Total assets
- 17.5 bn USD
- Debt / equity
- unavailable
- Current ratio
- unavailable
- ROE
- 4.8%
- ROA
- 0.5%
- FCF margin
- unavailable
Financial statements (source on every figure)
Revenue and net income (USD)
Income statement · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Net interest income | 242.3 m | 231.6 m | 267.4 m | 283.6 m | 278.5 m | 292.7 m | SEC (XBRL)· 25 Nov 2025verified |
| Net fee income | 53.3 m | 55.3 m | 23.8 m | 21.4 m | 24.7 m | 28.8 m | SEC (XBRL)· 25 Nov 2025verified |
| Non-interest expense | 192.3 m | 195.8 m | 198.1 m | 213.1 m | 204.3 m | 204.3 m | SEC (XBRL)· 25 Nov 2025verified |
| Pre-tax income | 100.2 m | 100.1 m | 92.1 m | 93.4 m | 100.3 m | 114.7 m | SEC (XBRL)· 25 Nov 2025verified |
| Net income | 83.3 m | 81.0 m | 74.6 m | 75.3 m | 79.6 m | 91.0 m | SEC (XBRL)· 25 Nov 2025verified |
| Diluted EPS | 0.29 | 0.29 | 0.26 | 0.26 | 0.28 | 0.32 | SEC (XBRL)· 25 Nov 2025verified |
| Dividend per share | 1.11 | 1.12 | 1.13 | 1.13 | 1.13 | 1.13 | SEC (XBRL)· 25 Nov 2025verified |
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 498.0 m | 488.3 m | 369.6 m | 466.7 m | 463.7 m | 429.4 m | SEC (XBRL)· 25 Nov 2025verified |
| Loans | 13.1 bn | 12.5 bn | 14.3 bn | 15.2 bn | 15.3 bn | 15.7 bn | SEC (XBRL)· 25 Nov 2025verified |
| Total assets | 14.6 bn | 14.1 bn | 15.8 bn | 16.9 bn | 17.1 bn | 17.5 bn | SEC (XBRL)· 25 Nov 2025verified |
| Total liabilities | 13.0 bn | 12.3 bn | 13.9 bn | 15.0 bn | 15.2 bn | 15.6 bn | SEC (XBRL)· 25 Nov 2025verified |
| Equity | 1.7 bn † | 1.7 bn † | 1.8 bn † | 1.9 bn † | 1.9 bn † | 1.9 bn † | SEC (XBRL)· 25 Nov 2025verified |
† equity attributable to the parent's shareholders: in these years the issuer no longer reports the total including non-controlling interests.
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Dividends paid | 55.5 m | 56.6 m | 58.3 m | 58.3 m | 59.0 m | 59.5 m | SEC (XBRL)· 25 Nov 2025verified |
| Share repurchases | 2.3 m | 5.6 m | 6.3 m | 6.0 m | 1.9 m | 4.0 m | SEC (XBRL)· 25 Nov 2025verified |
Computed indicators
Growth
Profitability
Returns
Market and valuation
Banking
32 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 27 / 100
A scoring methodology on indicators and valuation, not investment advice.
score < 40
Closing price
04 Nov 2026Source: olivLaw, closing series
Market cap: 4.7 bn USD
Key indicators
Coverage and freshness
Score by group
- Growth60
- Valuation4
- Quality17
- Returns100
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 2.51 – 19.97 USD.
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- Residual income6.26 – 6.53 (Mid 6.39)
- Justified P/B2.51 – 3.38 (Mid 2.88)
- Dividend discount (DDM)14.85 – 19.97 (Mid 17.03)
- Peers: P/E3.95 – 4.85 (Mid 4.47)11 companies used · median multiple 12.3x · quartiles 10.9x – 13.4xAX, BKU, CFFN, EBC, FCAP, HFBL, HTB, KRNY, NRIM, PFS, WNEB
- Peers: P/B7.37 – 9.28 (Mid 7.92)13 companies used · median multiple 1.1x · quartiles 1.1x – 1.3xAX, BKU, CFFN, EBC, FCAP, FDSB, HFBL, HTB, KFFB, KRNY, NRIM, PFS, WNEB
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Unattractive profile · Score 27/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROE · Quality | 5.3% | 29 (vs peers) | 22% |
| ROA · Quality | 0.6% | 13 (on a fixed band) | 8% |
| Cost-to-income · Quality | 63.4% | 7 (on a fixed band) | 14% |
| Net interest margin · Quality | 1.8% | 10 (on a fixed band) | 8% |
| EPS CAGR 3Y · Growth | 7.2% | 60 (on a fixed band) | 11% |
| Revenue CAGR 3Y · Growth | unavailable | unavailable | — |
| NPL ratio · Balance sheet | unavailable | unavailable | — |
| Cost of risk · Balance sheet | unavailable | unavailable | — |
| Loan-to-deposit · Balance sheet | unavailable | unavailable | — |
| P/B · Valuation | 2.4x | 0 (vs peers) | 14% |
| P/E (TTM) · Valuation | 46.0x | 8 (vs peers) | 14% |
| Dividend yield · Returns | 6.8% | 100 (vs peers) | 11% |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partialunavailable · 0/3 factors with a value
- Growth· partial60/100 · 1/2 factors with a value
- Quality17/100 · 4/4 factors with a value
- Returns100/100 · 1/1 factors with a value
- Valuation4/100 · 2/2 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
TFS FINANCIAL CORPORATION (TFSL). Latest full fiscal year: 2025; data up to 2026-06-30.
Figures computed from the financial statements: net interest income 292.7 m USD in 2025; ROE 5.3%.
The estimated value range is 6.26–6.53 USD per share (median of 5 methods, agreement: low); assumptions are illustrative. Against the central value of 6.39 USD, the price of 16.71 USD leaves a potential of -61.7% (value / price − 1) and a margin of safety of -161.3% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 27/100, methodological classification: unattractive profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: balance, growth. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- Dividend yield: 6.8%
What contradicts it
- ROE: 5.3%
- ROA: 0.6%
- Cost-to-income: 63.4%
- Net interest margin: 1.8%
- P/B: 2.4x
- P/E (TTM): 46.0x
- The price is above the estimated value range
- The valuation methods diverge
Not assessed (insufficient data or a ratio without meaning): Revenue CAGR 3Y, NPL ratio, Cost of risk, Loan-to-deposit.
Versus the vertical median
Savings Institution, Federally Chartered (SIC 6035) · same industry (4-digit SIC) · compared with 14 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| AXAxos Financial, Inc. | 5.4 bn | 10.7 | 16.7% | 624.8% | +23.5% | +15% / +147% |
| EBCEastern Bankshares, Inc. | 5.3 bn | 13.3 | 9.4% | 257.2% | +19.1% | +24% / +95% |
| TFSLTfs Financial Corporation | 4.7 bn | 46.0 | 5.3% | — | unavailable | +24% / +31% |
| BKUBankUnited, Inc. | 3.2 bn | 12.3 | 9.2% | 1,154.5% | +7.4% | +4% / +63% |
| PFSProvident Financial Services Inc | 3.1 bn | 9.8 | 11.1% | 411.6% | +7.1% | +23% / +55% |
| CFFNCapitol Federal Financial, Inc. | 1.1 bn | 13.4 | 8.0% | 508.2% | +6.5% | +33% / +63% |
| HTBHomeTrust Bancshares, Inc. | 798.6 m | 12.5 | 11.0% | — | −1.9% | +17% / +107% |
| KRNYKearny Financial Corp. | 605.1 m | 16.4 | 4.8% | — | +36.0% | +36% / +18% |
| NRIMNorthrim Bancorp, Inc. | 545.0 m | 9.9 | 16.6% | 21.8% | +30.4% | −0% / +99% |
| WNEBWestern New England Bancorp, Inc. | 281.6 m | 16.7 | 6.9% | — | −34.3% | +15% / +79% |
| FCAPFirst Capital, Inc. | 215.3 m | 11.6 | 13.9% | 252.8% | +1.6% | +29% / +145% |
| FDSBFifth District Bancorp, Inc. | 92.5 m | 52.4 | 1.3% | 273.6% | −2.3% | +29% / unavailable |
| HFBLHome Federal Bancorp, Inc. of Louisiana | 67.7 m | 11.1 | 10.8% | 364.5% | +30.0% | +40% / +72% |
| KFFBKentucky First Federal Bancorp | 44.4 m | 32.0 | 2.9% | — | −11.8% | +31% / +18% |
| BYFCBroadway Financial Corporation | — | — | -7.6% | -11,027.1% | +18.7% | +86% / +54% |
1- and 3-year price returns: for TFSL from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Scenarios are not available. input data missing
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 06 Aug 2026; since then the company filed 8-K (29 Oct 2026 · results).
In brief
TFS Financial Corporation, the holding company of Third Federal Savings and Loan Association of Cleveland, is the nation's largest mutually-owned savings and loan association, focused on residential mortgage lending and retail deposits. It matters now because it reported record quarterly earnings for the quarter ended June 30, 2026, with the net interest margin rising to 1.90% amid uncertain interest rate conditions 3.
SWOT
Strengths
- The company has high capital levels and a solid liquidity profile with numerous alternative funding sources 2.
- The deposit base is stable, and most accounts sit within the FDIC insurance limit 2.
- A history spanning more than eight decades and a top safety rating support customer confidence in the association 1.
Weaknesses
Opportunities
Risks
- Interest rate riskhigh
Net income depends on the gap between interest earned and interest paid, and sudden rate moves can narrow that gap 1.
- Economic credit riskhigh
A weaker housing market or regional economy could raise mortgage defaults and credit losses 1.
- Funding and liquidity riskmedium
The company relies on deposits and FHLB borrowings, and access to low-cost funding could become harder in stressed markets 2.
- Regulatory and policy riskmedium
Changes in banking regulation or federal agency policy could increase compliance costs 1.
- Operational and technology riskmedium
Implementing a new banking system and cyber threats could disrupt operations or expose confidential data 2.
Investment thesis
What would need to be true (bull case)
- The rising net interest margin and higher net income in the quarter ended June 30, 2026 could signal improving profitability 3.
- High capital levels and a stable deposit base provide a cushion if economic conditions worsen 2.
- If the new banking system is implemented successfully, operating efficiency could improve in the coming periods 1.
What would break the thesis
- If interest rates rise again, deposit costs could exceed the yield on the loan portfolio and compress the margin 2.
- Rising delinquencies, even if still low, could signal weakening loan quality 3.
- Intense competition for deposits could force the company to pay higher rates and weigh on profitability 1.
What to watch
- Trend in the net interest margin and cost of depositsQ1 2027
- Level of loan delinquencies and provisions for credit lossesQ1 2027
- Completion of the new core banking system and its effect on costs2027
- Next annual report on loan portfolio mix and funding strategynext 10-K
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 06 Aug 2026; since then the company filed 8-K (29 Oct 2026 · results).
The business
The principal business of TFS Financial Corporation is holding Third Federal Savings and Loan Association of Cleveland, a federally chartered association organized in 1938 and reorganized in 1997 into a two-tier mutual holding company structure 1. The association operates from its main office in Cleveland, Ohio, and from 36 full-service branches and two loan production offices in Ohio and Florida 1. Revenue is derived mainly from interest on loans, supplemented by fees, gains on loan sales and service charges 1.
The lending strategy centers on fixed-rate mortgages of up to 30 years and adjustable-rate mortgages, along with home equity lines of credit and residential construction loans for personal residences 1. The company retains most loans it originates and keeps servicing rights on most loans it sells 1. Mortgage lending is funded mainly by retail deposits, supplemented by FHLB of Cincinnati advances and brokered certificates of deposit 1.
For the quarter ended June 30, 2026, the company reported record earnings of 30.5 million dollars and implemented a new core banking system, with the go-live planned for July 2026 31. The increase was driven by higher net interest income and a release of provision for credit losses 3.
Segments
Residential mortgage loans
Residential mortgage loans are the main segment, totaling 10.84 billion dollars or 69.1% of the loan portfolio at September 30, 2025 1. The portfolio includes fixed-rate and adjustable-rate loans, and the residential core portfolio rose to 10.67 billion dollars at June 30, 2026 2.
Home equity lines of credit and home equity loans
Home equity lines of credit, indexed to the prime rate, amounted to 4.06 billion dollars or 25.9% of the portfolio at September 30, 2025 1. The company actively promotes them to manage interest rate risk, and the combined home equity balances rose to 5.47 billion dollars at June 30, 2026 2.
Market context
The company operates in mortgage and deposit markets in Ohio and Florida, where it holds a meaningful share in Cuyahoga County, Ohio 1. As of June 30, 2025, the association ranked fifth in Cuyahoga County with a 5.44% deposit share and 34th in Florida with a 0.34% share 1. The market remains shaped by interest rate policy, which has moved from a cutting cycle toward possible rate increases 2.
Growth in mortgage lending and deposits depends on regional economic conditions and local housing prices in the company's market areas 1. Competition for deposits has intensified, and competitors that reduce reliance on borrowed funds may make deposit gathering more difficult 1.
Trends
- Interest rate policy and easing cyclemixed
The Federal Reserve made three consecutive 25 basis point cuts between September and December 2025, but market expectations have recently shifted toward possible rate hikes 2. If rates stay high, deposit costs could rise and pressure the interest margin 1.
- Rising net interest margintailwind
The net interest margin rose to 1.90% in the quarter ended June 30, 2026, supported by higher-yielding loans that replaced older, lower-rate mortgages 3. This trend could continue if asset yields rise faster than funding costs 3.
- Loan quality and delinquenciesheadwind
Total loan delinquencies rose to 43.5 million dollars, or 0.27% of loans receivable, at June 30, 2026, but the company says they remain historically low 3. A weaker economy could raise non-performing loans and provisions 1.
- Modernization of banking systemsmixed
The association is implementing a new core processing system with go-live planned for July 2026, intended to boost efficiency and improve the customer experience 1. Part of the implementation costs has been capitalized, reducing current-period operating expenses 3.
Competitive position
The association operates in markets with a high concentration of financial institutions, including large money center and regional banks, community banks, credit unions, money market funds, brokerage firms and insurers 1. Competition for deposits is especially intense, and some competitors offer products the company does not, such as commercial business loans and trust services 1.
The company relies on its reputation built over its long history, its high capital levels and its liquidity alternatives to maintain customer confidence, while offering competitive loan and deposit rates 1. Its branch network and customer service focus are its main differentiators against competitors 1.
- Large money center and regional banks in Ohio
Financial institutions with a presence in Cuyahoga County and the company's other market areas, competing for mortgages and deposits 1.
- Community banks and credit unions
Compete for deposits and mortgages in local markets, with credit unions not included in the company's FDIC-based market share data 1.
- Money market funds and brokerage firms
Draw deposits from the same saver base, offering investment alternatives with competitive yields 1.
- Insurance companies and mutual funds
Compete for customers' savings, and their products can be more attractive when interest rates are high 1.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Current report29 Oct 2026Results of operations · Financial statements and exhibits
- Current report24 Sept 2026Amendments to articles or bylaws
- Current report27 Aug 2026Other events
- Quarterly report06 Aug 2026
- Current report30 Jul 2026Results of operations · Other events
- Current report07 Jul 2026Other events
- Current report28 May 2026Departure or appointment of officers · Amendments to articles or bylaws · Other events
- Current report26 May 2026Other events · Financial statements and exhibits
- Quarterly report07 May 2026
- Current report30 Apr 2026Results of operations · Financial statements and exhibits
Sources
- [1] Form 10-K, fiscal year ended 2025-09-30 · SEC / TFS Financial Corporation · 25 Nov 2025
- [2] Form 10-Q, quarter ended 2026-06-30 · SEC / TFS Financial Corporation · 06 Aug 2026
- [3] Form 8-K, results release (exhibit 99.1) · SEC / TFS Financial Corporation · 30 Jul 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.