Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in First BanCorp. or TFS Financial Corporation because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how First BanCorp. and TFS Financial Corporation compare based on key financial metrics to determine which better meets your investment needs.

About First BanCorp. and TFS Financial Corporation

First BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides financial products and services to consumers and commercial customers. It operates through six segments: Mortgage Banking; Consumer (Retail) Banking; Commercial and Corporate Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; hedging activities; purchase of mortgage loans from branch and mortgage bankers; and origination of residential real estate loans. The Consumer (Retail) Banking segment is involved in consumer lending, commercial lending to small businesses, commercial transaction banking, and deposit-taking activities. The Commercial and Corporate Banking segment offers lending and other services, including commercial lending and commercial deposit-taking activities. The Treasury and Investments segment manages funding; and obtains funds through brokered deposits, advances from the FHLB, and repurchase agreements involving investment securities, among other funding sources. The United States Operations segment provides checking, savings, and money market accounts; retail CDs; internet banking services; residential mortgages; home equity loans and lines of credit; retail deposits; cash management services; remote data capture; automated clearing house transactions; and traditional commercial and industrial, and commercial real estate products, such as lines of credit, term loans, and construction loans. The Virgin Islands Operations segment focuses on consumer and commercial lending, and deposit-taking activities. The company also offers automobile financing and insurance agency services. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. It also provides residential real estate mortgage loans, residential construction loans, purchase mortgages, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, the company offers escrow and settlement services. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

Latest Banks and First BanCorp., TFS Financial Corporation Stock News

As of September 2, 2026, First BanCorp. had a $4.3 billion market capitalization, compared to the Banks median of $750.0 million. First BanCorp.’s stock is up 38.3% in 2026, up 3.5% in the previous five trading days and up 29.18% in the past year.

Currently, First BanCorp.’s price-earnings ratio is 12.0. First BanCorp.’s trailing 12-month revenue is $954.2 million with a 39.0% net profit margin. Year-over-year quarterly sales growth most recently was 9.4%. Analysts expect adjusted earnings to reach $2.397 per share for the current fiscal year. First BanCorp. currently has a 2.8% dividend yield.

As of September 2, 2026, TFS Financial Corporation had a $4.9 billion market cap, putting it in the 67th percentile of all stocks. TFS Financial Corporation’s stock is up 31.3% in 2026, down 1.9% in the previous five trading days and up 27.48% in the past year.

Currently, TFS Financial Corporation’s price-earnings ratio is 48.5. TFS Financial Corporation’s trailing 12-month revenue is $347.2 million with a 29.4% net profit margin. Year-over-year quarterly sales growth most recently was 15.3%. Analysts expect adjusted earnings to reach $0.360 per share for the current fiscal year. TFS Financial Corporation currently has a 6.5% dividend yield.

How We Compare First BanCorp. and TFS Financial Corporation Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at First BanCorp. and TFS Financial Corporation’s stock grades to see how they measure up against one another.

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First BanCorp. and TFS Financial Corporation Growth Grades

Company	Ticker	Growth
First BanCorp.	FBP	B
TFS Financial Corporation	TFSL	C

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

First BanCorp. has a Growth Score of 64, which is Strong. TFS Financial Corporation has a Growth Score of 56, which is Average.

The Growth Grade Winner: First BanCorp.

As you can clearly see from the Growth Grade breakdown above, First BanCorp. has a more attractive growth grade than TFS Financial Corporation. For investors who focus solely on how a company is growing relative to other companies in the same industry, First BanCorp. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

First BanCorp. and TFS Financial Corporation’s Momentum Grades

Company	Ticker	Momentum
First BanCorp.	FBP	B
TFS Financial Corporation	TFSL	B

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

First BanCorp. has a Momentum Score of 71, which is Strong. TFS Financial Corporation has a Momentum Score of 62, which is Strong.

The Momentum Grade Winner: It’s a Tie!

Looking at the Momentum Grade breakdown above, both First BanCorp. and TFS Financial Corporation have a grade of B. For those who focus solely on a company’s momentum, further research will need to be conducted into both companies to see if they fit your individual needs as an investor.

First BanCorp. and TFS Financial Corporation’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
First BanCorp.	FBP	B
TFS Financial Corporation	TFSL	C

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

First BanCorp. has a Earnings Estimate Score of 66, which is Positive. TFS Financial Corporation has a Earnings Estimate Score of 57, which is Neutral.

The Earnings Estimate Revisions Grade Winner: First BanCorp.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, First BanCorp. has a better Earnings Estimate Revisions Grade than TFS Financial Corporation. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, First BanCorp. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other First BanCorp. and TFS Financial Corporation Grades

In addition to Momentum, Growth and Estimate Revisions, A+ Investor also provides grades for Value and Quality.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether First BanCorp. and TFS Financial Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, First BanCorp. or TFS Financial Corporation Stock?

Overall, First BanCorp. stock has a Growth Score of 64, Momentum Score of 71 and Estimate Revisions Score of 66.

TFS Financial Corporation stock has a Growth Score of 56, Momentum Score of 62 and Estimate Revisions Score of 57.

Comparing First BanCorp. and TFS Financial Corporation’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.