Welcome to our dedicated page for Tfs Finl SEC filings (Ticker: TFSL), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The TFS Financial Corporation (NASDAQ: TFSL) SEC filings page provides access to the company’s regulatory disclosures as filed with the U.S. Securities and Exchange Commission. As the holding company for Third Federal Savings and Loan Association of Cleveland, TFS Financial uses these filings to report on its financial condition, results of operations, capital position and significant corporate events.
Investors can review current reports on Form 8‑K, which TFS Financial files to announce material events such as quarterly and annual earnings releases, dividend declarations on its common stock and leadership changes at the Association. Recent 8‑K filings describe cash dividends of $0.2825 per share, the mutual holding company’s waiver of dividends on its majority ownership stake, and member votes and regulatory processes related to those waivers.
In addition to 8‑K reports, users can reference the company’s annual reports on Form 10‑K and quarterly reports on Form 10‑Q (when available in the broader EDGAR record) for detailed information on net interest income, provisions for credit losses, loan portfolio composition, deposit funding, Federal Home Loan Bank advances and regulatory capital ratios under the Basel III framework. These filings explain how TFS Financial’s residential mortgage and home equity lending, retail deposits and related activities affect its financial statements.
This page also links to filings that document the structure and ownership of TFS Financial, including the role of Third Federal Savings and Loan Association of Cleveland, MHC as the mutual holding company and majority shareholder. Where applicable, insider transaction reports on Form 4 and proxy-related materials can be consulted in the SEC’s system to understand equity ownership and compensation arrangements.
Stock Titan enhances access to TFSL’s filings by offering AI‑powered summaries that highlight key points from lengthy documents, helping readers interpret complex sections on credit quality, capital, funding and dividends. Real‑time updates from EDGAR ensure that new 8‑K, 10‑Q, 10‑K and other relevant forms are reflected promptly, so users can follow TFS Financial’s regulatory reporting history in one organized view.
TFS Financial Corporation reported net income of $22.3 million for the quarter ended December 31, 2025, essentially flat versus $22.4 million a year earlier, with basic and diluted EPS steady at $0.08.
Net interest income rose to $75.7 million from $68.3 million as loan interest grew, while interest expense on deposits and borrowings also increased. Non-interest income improved to $8.0 million, helped by higher gains on loan sales, but non-interest expenses rose to $56.2 million, driven by salaries, benefits and marketing.
Total assets were $17.5 billion, with loans held for investment of $15.7 billion and deposits of $10.4 billion. Shareholders’ equity was $1.90 billion. The allowance for credit losses totaled $104.1 million, while non-accrual loans were $39.0 million, indicating manageable credit issues in a largely prime residential mortgage and home equity portfolio.
The company remains majority-owned by its mutual holding company, which held 80.9% of the common stock as of February 3, 2026. TFS also disclosed a decision to terminate its defined benefit pension plan effective December 31, 2025, with related settlement charges expected in the second half of calendar 2026.
TFS Financial Corporation filed Amendment No. 1 to its January 29, 2026 Form 8-K to correct a single financial figure. The company revised diluted weighted average shares outstanding for the three months ended December 31, 2025 on its Consolidated Statements of Income in Exhibit 99.1 from 283,302,227 to 279,908,875.
No other part of the original Form 8-K was changed, and the company states this amendment does not discuss subsequent developments. The company also clarifies that the amended press release in Exhibit 99.1 and this information are not incorporated by reference into other filings and are not deemed “filed” for certain liability purposes.
TFS Financial Corp director Barbara J. Anderson reported selling common stock and outlining equity awards. On February 3, 2026, she sold 11,000 shares of common stock at $14.21 per share, leaving her with 6,200 shares held directly.
She also reported holdings of 10,000 restricted stock units from a 50,000-unit grant on December 16, 2021, which vests 20% per year beginning December 10, 2022, and 5,000 restricted stock units from a grant on December 18, 2025 that fully vests on December 10, 2026. Each unit represents the right to receive one share and includes cash dividend-equivalent rights.
A shareholder in TFSL has filed a Form 144 indicating an intention to sell 11,000 shares of common stock through Morgan Stanley Smith Barney LLC on the NASDAQ, with an aggregate market value of $156,258.30. The filing lists total shares outstanding as 280,513,055 for context.
The shares to be sold come from restricted stock awards acquired from the issuer, including 2,100 shares on 02/22/2025 and 8,900 shares on 12/10/2025, both marked as not involving special payment terms. By signing, the seller represents they are unaware of undisclosed material adverse information about the issuer’s operations.
TFS Financial Corporation, the holding company for Third Federal Savings and Loan Association of Cleveland, furnished an update on its recent performance. The company issued a press release announcing its operating results for the three months ended December 31, 2025, and attached this release as Exhibit 99.1.
The information about these quarterly results is being provided under a current report and is expressly described as "furnished" rather than "filed" under federal securities laws, which affects how it is treated for liability purposes and incorporation into other regulatory reports.
TFS Financial Corporation is asking stockholders to vote at its 2026 annual meeting on four routine items: electing four directors to three-year terms, an advisory vote on executive compensation, and ratifying Deloitte & Touche LLP as independent accountant for the fiscal year ending September 30, 2026, plus any other proper business.
Only holders of record on December 29, 2025, may vote, with 280,633,799 shares of common stock outstanding. Third Federal Savings and Loan Association of Cleveland, MHC owns 227,119,132 shares, or 80.9%, and plans to vote in favor of the board’s director nominees, the say‑on‑pay proposal and the auditor ratification, effectively determining the outcomes.
The proxy also reviews 2025 performance and pay. Total assets reached $17.46 billion, net loans grew $341.3 million, deposits rose to $10.45 billion, and net income was $91.0 million, up 14.3% as net interest income increased to $292.7 million and net interest margin improved to 1.76%. The company paid a quarterly dividend of $0.2825 per share and repurchased $3.2 million of stock. Executive bonuses are tied to adjusted net income; with adjusted net income at 124.7% of budget, named executives earned 110% of target annual incentives, and a significant portion of long‑term equity awards depends on return‑on‑assets goals.
TFS Financial CORP director Asher Anthony J reported internal share transfers and equity holdings. On January 8, 2026, he transferred 39,114 shares of TFSL common stock from his directly held account to his wife's revocable trust for no consideration, and his wife transferred 5,200 shares from her sole ownership account to the same revocable trust, also for no consideration. Following these transactions, 44,314 shares of common stock are reported as indirectly owned with nature of ownership listed as trust beneficiary. The filing also notes 5,000 restricted stock units that were granted on December 18, 2025 and fully vest on December 10, 2026, each representing a right to receive one share and carrying dividend equivalent cash rights.
TFS Financial Corporation reported insider equity activity for its Chief Experience Officer on Form 4. On December 18, 2025, the officer received a grant of 8,600 restricted stock units (RSUs), each representing one share of common stock and carrying dividend equivalent rights. These RSUs vest in three equal annual installments beginning December 10, 2026.
The filing also notes earlier RSU grants of 4,300 units from December 19, 2024, vesting in three equal annual installments beginning December 10, 2025, and 15,000 RSUs granted on March 4, 2024 that fully vest on December 10, 2026. In addition, the officer holds 5,000 stock options granted April 2, 2018 with an exercise price of $14.62 per share and an expiration date of January 5, 2028. Beneficial ownership includes 3,256 shares held through an ESOP and 32,766 shares held in trust.
TFS Financial Corp’s Chief Strategy Officer reported new and existing equity holdings in the company. On December 18, 2025, the officer received a grant of 8,600 restricted stock units (RSUs), each representing one share of common stock and carrying dividend equivalent rights. These RSUs vest in three equal annual installments beginning on December 10, 2026.
Following the reported transactions, the officer beneficially owns 48,720 shares of common stock directly, plus 7,565 shares through an ESOP and 10,000 shares as trustee for a family trust. The officer also holds previously granted RSUs covering 2,867 and 15,000 shares with vesting schedules tied to December 10, 2025 and December 10, 2026, and 1,800 stock options at an exercise price of
TFS Financial Corp reported an insider equity transaction by its Chief Operating Officer, who filed individually. As of the reported date, the COO beneficially owned 27,910 shares of common stock directly and 13,414 shares indirectly through an ESOP.
On December 18, 2025, the COO received a grant of 14,300 Restricted Stock Units (RSUs), which vest in three equal annual installments beginning December 10, 2026. The filing also notes prior RSU grants of 6,500 and 8,700 units, additional performance-based awards of 9,800 Performance Share Units tied to a two‑year performance period ended September 30, 2025, and 11,000 stock options granted in 2018. Each RSU and PSU converts into one share of common stock and carries dividend equivalent cash rights while outstanding.
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