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TFSLTFS Financial Corporation

Options Analysis Report•SAVINGS INSTITUTION, FEDERALLY CHARTERED
Market Cap $4.9B|NASDAQ
● 2026-08-31$17.53
BULLISH
Analysis: 2026-08-28 EOD data
1Y +28.0%YTD +29.2%7D -0.7%
17
30D
±9.8%
10%

TFSL Options Overview

bullish flow. Conditions favor option buyers.

REWARDS

RISK ANALYSIS

4.5VALUESENTIMENTACTIVITYLIQUIDITYTIMING

Snowflake Analysis

Balanced conditions with no clear edge

Learn
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TFSL Gamma Walls

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Value

Is IV priced right?

5.2
ExpensiveCheap

Measures whether options are cheap, fair, or rich relative to historical and peer

levels.

Risk Checks3/9 checks passed
≤35%

IV Rank 39.6% — elevated vs history

<1.05x

IV/HV 1.43x — IV premium over HV

Sector Relative≤50%

Sector percentile 60% — above sector median

<1.1x

Front/Back 1.59x — backwardation

<1.25x

Put/Call IV 1.16x — elevated

<80%

ATM IV 27.5% — normal range

<80%

Effective IV 57.0% (ATM 27.5% + spread 14.8% + bias) — good value

<3.0%

Total drag 17.02% (spread 14.77% + slippage 2.25%) — high friction

≥5.0

Vega efficiency 1.72 (vega 2.545 / spread 14.77%) — spread drag

Sentiment

Bullish or bearish?

5.9
BearishBullish

Analyzes

,
, and flow direction to determine market bias.

Risk ChecksBearish - Strong signal (Conviction: -17%, Raw: -8%)
|net sentiment| ≥25%

Conviction-weighted: -17% (bearish) — Raw: -8%

≥15%

|OI skew| 69.2% — call-heavy

Same sign, |vol skew| ≥10%

Vol skew +100.0%, OI skew +69.2% — aligned

≥2/3 conditions

0-DTE 0%, far-OTM 15%, avg DTE 30

|change| ≥3%

OI change +0.0% (5d) — stable

|weighted flow| ≥20%

ITM: -25%, ATM: +0%, OTM: +33% — bearish (ITM/ATM divergent)

Sector Relative≤40% or ≥60%

Sector P/C percentile 50% — neutral vs sector

Activity

Unusual activity?

2.0
QuietActive

Detects volume surges,

, and unusual options activity that may signal moves.

Risk Checks0/8 checks passed
≥1.5x

Volume 0.5x avg — normal

≥15%

Vol/OI 0.9% — normal turnover

≥2 days

1 day(s) elevated — may be one-day event

≥5%

OI change +1.2% (5d) — stable

Sector Relative≥60%

Sector activity percentile 29% — below sector avg

≥30%

Large trade volume 0% — mostly retail

≥60%

Aggressive execution 0% — patient

≥30

Conviction -17 (bearish) — mixed

Liquidity

Can I trade efficiently?

2.3
IlliquidLiquid

Evaluates

, volume depth, and open interest for trade execution quality.

Risk Checks0/8 checks passed
≤5.0%

Spread 14.8% — wide

≥10,000

OI 1,863 — thin

≥500

Volume 17/day — thin

≤$0.50

$0.74 to cross — expensive

≥5 strikes

0 liquid strikes — limited options

Sector Relative≤40%

Sector spread percentile 70% — wider than sector

≥100 contracts

Depth 82.2 contracts (bid:44.7 ask:37.5) — thin

<1.0%

Avg slippage 2.25% — poor

Timing

Is now a good time?

7.1
RiskyFavorable

Considers earnings proximity,

, and event calendar for optimal entry timing.

Risk Checks5/9 checks passed
|slope| ≥5%

Slope +58.8% — backwardation

<30 or >70

IV percentile 40% — neutral

≥10pts kink

IV kink 7.3pts — no clear event

<0.5 or >2.0

θ/ν ratio 358.38 — favors income trades

≥3 expirations

3 liquid expirations — flexible

≥60% (safe)

safe window: No events detected

<1.2 ratio

Spread ratio 1.00x — stable

≥25% strength + ≥50% consistency

Flow -17% @ 57% consistency — unclear

≥40 composite score

Score 30 (ITM 20% + inst 0%) — retail dominated

Directional Strategy Fit

Option Buyers
Long Calls6.3
bullishIV fair, mixed flow
Long Puts4.7
bearishIV fair, mixed flow
Premium Sellers
Cash-Secured Put5.0
bullishIV fair, mixed flow
Covered Call4.4
bearishIV fair, mixed flow

For educational purposes only. Not investment advice.

The Options Desk tracks the move options price into every US earnings report the week of Aug 31, next to how much each stock has actually moved on its past prints — plus the SPY, QQQ and IWM expected ranges and the gamma walls that box them in.

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