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TFS Financial CORP

TFSL

Companies in Savings Institution, Federally Chartered

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Financial Statements

Values in Millions ($)
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
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Mortgages
115,73815,6592351615,34115,321-----
Mortgage Receivables
------15,32138-5915,21115,178317
Other Loans
-09810760-0540
Deferred Loan Expense
-07070216665-----
Residential Real Estate
-0757432-24270-354-6--
Assets
Cash And Due From Banks
252724293633262927462923
Interest Bearing Deposits In Banks
412430405424427433437531567506438413
Cash And Cash Equivalents At Carrying Value
437457429453464466464560594552467436
Loans And Leases Receivab…
Available For Sale Securities Debt Securities
455454521525534508526523520525508513
Loans Receivable Held For Sale Net Not Part Of Dis…
514583161183010131
Loans And Leases Receivable Deferred Income
------656361616157
Loans And Leases Receivable Allowance
-------70-68-68-69-77-75
Loans And Leases Receivable Net Reported Amount
------15,32215,19015,15015,20715,16614,884
Financing Receivable Excluding Accrued Interest Be…
---15,66915,43115,413------
Financing Receivable Excluding Accrued Interest Af…
15,74215,74215,66315,59615,36015,34315,322-----
Servicing Asset At Amortized Value
999888888878
Federal Home Loan Bank Stock
244234235233219224228232240255247247
Real Estate Acquired Through Foreclosure
122100000111
Property Plant And Equipment Net
434040393933333434343535
Interest Receivable
606063605858595957565450
Bank Owned Life Insurance
329327325323321320318316313312312310
Other Assets
153158112107104981148391103117110
Assets
17,48017,49917,45617,37617,11217,05817,09117,03517,01717,05416,91816,595
Liabilities And Stockhold…
Interest Bearing Deposit Liabilities Domestic
10,18710,37210,44710,34110,39810,20710,19510,0269,9369,921-9,069
Deposits Domestic
------10,195---9,450-
Advances From Federal Home Loan Banks
5,1424,9404,8704,8834,5874,6564,7934,8294,9555,0315,2745,452
Advance Payments By Borrowers For Taxes And Insura…
97134113118100140114679910912474
Noninterest Bearing Deposit Liabilities Domestic
29423030273929172629-17
Accrued Liabilities Current And Noncurrent
10211010211510310098181939711397
Liabilities
15,55715,59815,56215,48815,21515,14315,22815,12015,11015,18714,99114,709
Preferred Stock Value
000000000000
Common Stock Value
333333333333
Additional Paid In Capital
1,7581,7561,7581,7561,7551,7541,7541,7531,7521,7501,7551,754
Treasury Stock Value
-776-774774-772-771-772772-772-772-772--776
Treasury Stock Common Value
-------772----776-
Unearned E S O P Shares
-16-17-18-20-21-22-23-24-25-26-27-28
Retained Earnings Accumulated Deficit
962954947936929923915912907901887882
Accumulated Other Comprehensive Income Loss Net Of…
-9-21-21-16127-164342108551
Stockholders Equity
1,9221,9011,8941,8881,8971,9141,8631,9151,9071,8671,9271,886
Liabilities And Stockholders Equity
17,48017,49917,45617,37617,11217,05817,09117,03517,01717,05416,91816,595
Available For Sale Debt Securities Amortized Cost …
476474542549562542554565562563562562
Loans Held For Sale Fair Value Disclosure
51123295111301003-
Preferred Stock Par Or Stated Value Per Share
0.010.010.010.010.010.010.010.010.010.010.010.01
Preferred Stock Shares Authorized
100100100100100100100100100100100100
Preferred Stock Shares Outstanding
000000000000
Preferred Stock Shares Issued
000000000000
Common Stock Par Or Stated Value Per Share
0.010.010.010.010.010.010.010.010.010.010.010.01
Common Stock Shares Authorized
700700700700700700700700700700700700
Common Stock Shares Issued
332332332332332332332332332332332332
Shares Outstanding
280281281281281281281281281281280280
Treasury Stock Common Shares
525252525152525252525252

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
2026-3.44%-4.30%3.22%5.71%18.22%22.75%------
2025-4.97%-9.52%-4.66%-1.64%-1.63%-3.46%10.88%6.49%9.63%0.81%-0.32%5.17%
2024-1.91%-1.95%-4.76%1.85%-0.19%11.20%3.98%0.42%-0.21%-6.66%-14.81%-4.06%
2023---9.47%13.53%29.25%-6.44%-18.20%-19.17%12.04%3.55%-0.21%

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Performance and Valuation Metrics

Metrics
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
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Leverage & Debt
Interest Coverage TTM
-0.61
-0.62
-0.61
-0.63
0.03
0.53
0.91
1.23
1.24
1.25
1.28
1.37
Efficiency & Turnover
Days Sales Outstanding TTM
-
-
-
-
-
-
7,579.65
7,683.68
7,904.12
8,332.05
8,775.12
9,309.38
Receivables Turnover TTM
-
-
-
-
-
-
0.05
0.05
0.05
0.04
0.04
0.04
Per Share Metrics
Diluted EPS TTM
0.33
0.32
0.33
0.30
0.29
0.29
0.29
0.29
0.28
0.26
0.27
0.29
Free Cash Flow Per Share TTM
0.29
0.30
0.25
0.09
0.34
0.34
0.31
0.57
0.34
0.16
0.31
0.21
Dividend Per Share TTM
0.21
0.21
0.21
0.21
0.21
0.21
0.21
0.21
0.21
0.21
0.21
0.21
Margin Metrics
Gross Profit Margin TTM
39.02%
38.76%
38.35%
37.75%
37.31%
37.34%
37.93%
39.21%
40.76%
42.69%
46.34%
51.17%
Operating Profit Margin TTM
15.07%
14.83%
15.03%
13.99%
13.83%
13.79%
13.67%
14.10%
14.18%
14.06%
15.26%
17.91%
Net Profit Margin TTM
11.87%
11.73%
11.92%
11.05%
10.94%
10.93%
10.84%
11.33%
11.45%
11.35%
12.30%
14.38%
Growth Metrics
Net Revenue Growth (1Y)
5.03%
4.10%
3.96%
5.37%
8.76%
14.39%
19.96%
26.61%
34.44%
42.50%
49.49%
47.54%
Net Income Growth (1Y)
13.99%
11.68%
14.29%
2.79%
3.88%
10.23%
5.76%
-0.27%
-2.62%
-8.50%
0.92%
22.66%
EPS Growth (1Y)
13.94%
11.60%
14.07%
2.59%
3.67%
9.95%
5.48%
-0.56%
-2.91%
-8.67%
0.89%
22.65%
Valuation Metrics
P/E TTM
41.40
39.55
38.12
40.12
38.27
38.06
38.96
36.80
36.84
44.86
34.60
33.41
P/B TTM
2.00
1.89
1.83
1.77
1.65
1.62
1.66
1.55
1.52
1.77
1.35
1.44
P/S TTM
4.91
4.64
4.54
4.43
4.19
4.16
4.22
4.17
4.22
5.09
4.25
4.81
Market Cap
3.85B
3.59B
3.47B
3.34B
3.12B
3.09B
3.10B
2.98B
2.89B
3.31B
2.60B
2.71B
Enterprise Value
3.41B
3.13B
3.04B
2.88B
2.66B
2.63B
2.64B
2.42B
2.30B
2.76B
2.14B
2.27B
Calculated Values
Free Cash Flow TTM
82.26M
83.14M
70.97M
24.82M
95.70M
94.82M
85.54M
157.70M
93.98M
44.40M
85.62M
59.47M
Net Debt
-437.28M
-456.71M
-429.44M
-452.58M
-463.58M
-465.93M
-463.72M
-560.44M
-594.33M
-551.77M
-466.75M
-436.22M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-11Sale
Owner: Weil, Meredith S
Title: Chief Financial Officer
Shares: 4,316
Price/Share: $16.80
Value: $72,508.80
Shares Owned: 38,480
Relationship: Director,Officer
Ownership: Direct
2026-06-02Sale
Owner: Weil, Meredith S
Title: Chief Financial Officer
Shares: 4,105
Price/Share: $15.91
Value: $65,310.55
Shares Owned: 38,480
Relationship: Director,Officer
Ownership: Direct
2026-05-29Purchase
Owner: Weir, Daniel F
Title: -
Shares: 7,000
Price/Share: $15.85
Value: $110,950.00
Shares Owned: 49,943
Relationship: Director
Ownership: Indirect
2026-05-26Sale
Owner: Rubino, Andrew J
Title: Chief Operating Officer
Shares: 594
Price/Share: $16.09
Value: $9,557.46
Shares Owned: 21,310
Relationship: Officer
Ownership: Direct
2026-05-18Sale
Owner: Zbanek, Cathy W
Title: Chief Synergy Officer
Shares: 10,000
Price/Share: $15.26
Value: $152,600.00
Shares Owned: 61,101
Relationship: Officer
Ownership: Direct

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Institutional Ownership

No data available for chart
2026-03-31
13.54%
Inst. Shares: 37,749,032
Shares Outstanding: 278,858,428
2025-12-31
12.62%
Inst. Shares: 35,164,940
Shares Outstanding: 278,754,792
2025-09-30
11.23%
Inst. Shares: 31,303,222
Shares Outstanding: 278,715,769
2025-06-30
10.79%
Inst. Shares: 30,088,324
Shares Outstanding: 278,832,875
2025-03-31
10.02%
Inst. Shares: 27,920,583
Shares Outstanding: 278,729,388

TFS Financial CORP (TFSL) — SEC Financial Statements & Analysis

TFS Financial CORP (TFSL) is a savings institution, federally chartered company, incorporated in DE. TFS Financial CORP trades on TFSL: Nasdaq as: TFSL. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), TFS Financial CORP reported a 5.03% year-over-year revenue growth, a Gross Profit Margin of 39.02% (TTM), a Price-to-Sales (P/S) ratio of 4.91x (TTM), a Price-to-Book (P/B) ratio of 2 (TTM), at a market cap of $3.85B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y
5.03%
Gross Profit Margin TTM
39.02%
P/S TTM
4.91x
P/B TTM
2
Market Cap
$3.85B

Data as of 2026-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is TFS Financial CORP in?

TFS Financial CORP (TFSL) operates in the Savings Institution, Federally Chartered industry.

What is TFSL's market cap?

TFS Financial CORP (TFSL) has a market capitalization of $3.85B as of 2026-03-31.

What is TFSL's P/E ratio?

TFS Financial CORP (TFSL)'s trailing twelve month P/E ratio is 41.40x as of 2026-03-31.

What exchange does TFSL trade on?

TFS Financial CORP (TFSL) trades on the TFSL: Nasdaq.

Where is TFS Financial CORP incorporated?

TFS Financial CORP is incorporated in DE.

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TFS Financial CORP (TFSL) financial data sourced directly from SEC EDGAR filings — including the latest 10-K annual report, 10-Q quarterly filings, insider transactions (SEC Form 4), institutional ownership (SEC Form 13F), Earning Marker Reaction Heat Map and 50+ calculated financial metrics like Price to Earnings Ratio (P/E), Return on Equity (ROE), Debt to Equity (D/E), Free Cash Flow Per Share (FCF/S), and Return on Invested Capital (ROIC). Unlike platforms that rely on third-party data aggregators, GeminIQ parses raw SEC filings directly — delivering institutional-grade accuracy at a fraction of the cost of Bloomberg Terminal or S&P Capital IQ.