STOCK TITAN

TFS Financial (TFSL) officer reports 18,990-share equity award vesting

Filing Impact
(Moderate)
Filing Sentiment
(Negative)
Form Type
4

Rhea-AI Filing Summary

TFS Financial Corporation reported equity transactions by its Chief Synergy Officer. On December 10, 2025, the executive acquired 18,990 shares of common stock at $0 as performance share units vested, plus additional common shares of 4,667, 4,733 and 5,300 from restricted stock unit vesting.

To cover withholding taxes, 15,786 shares were delivered to the issuer at $13.91 per share, leaving 71,101 common shares held directly, with a further 5,325 shares held indirectly through a 401(k) plan and 13,760 shares held through the company ESOP. The activity reflects vesting and tax settlement of previously granted stock-based awards.

Positive

  • None.

Negative

  • None.
Insider Zbanek Cathy W
Role Chief Synergy Officer
Type Security Shares Price Value
Exercise Performance Restricted Share Units 18,990 $0.00 --
Exercise Restricted Stock Units 4,667 $0.00 --
Exercise Restricted Stock Units 4,733 $0.00 --
Exercise Restricted Stock Units 5,300 $0.00 --
Exercise Common Stock 18,990 $0.00 --
Exercise Common Stock 4,667 $0.00 --
Exercise Common Stock 4,733 $0.00 --
Exercise Common Stock 5,300 $0.00 --
Tax Withholding Common Stock 15,786 $13.91 $220K
holding Performance Restricted Share Units -- -- --
holding Employee Stock Option (right to buy) -- -- --
holding Employee Stock Option (right to buy) -- -- --
holding Employee Stock Option (right to buy) -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Performance Restricted Share Units — 0 shares (Direct); Restricted Stock Units — 0 shares (Direct); Common Stock — 72,187 shares (Direct); Employee Stock Option (right to buy) — 187,500 shares (Direct); Common Stock — 5,325 shares (Indirect, By 401(k))
Footnotes (1)
  1. These common shares were acquired upon the vesting and settlement of certain restricted or performance stock units (RSUs) and (PSUs). These common shares were delivered to the issuer to pay for applicable withholding tax due upon the exercise of certain restricted stock units or performance share units. Reflects transactions not required to be reported under Section 16 of the Securities Exchange Act, as amended. Each restricted and performance stock unit represents a contingent right to receive one share of TFS Financial Corporation common stock. Restricted and performance stock units are entitled to dividend equivalent rights in the form of a cash payment in the amount of any cash dividend paid per share of common stock. On November 21, 2024, the reporting person achieved performance level of 90.0% on a target award of 21,000 Performance Share Units ("PSUs"), resulting in a total earned award of 18,990 shares. This represents the final determination a December 15, 2022 award that was dependent on certain performance results during the two fiscal year period ended September 30, 2024. Each PSU represents a contingent right to receive one share of TFS Financial Corporation common stock and are entitled to dividend equivalent rights in the form of a cash payment in the amount of any cash dividend paid per share of common stock during the period the award was outstanding. The shares and dividend equivalent payment will vest and distribute to the reporting person on December 10, 2025. On December 15, 2022, the reporting person received a grant of 14,000 Restricted Stock Units (RSUs). These RSUs vest in three equal annual installments beginning December 10, 2023. On March 4, 2024, the reporting person received a grant of 14,200 Restricted Stock Units (RSUs). These RSUs vest in three equal annual installments beginning December 10, 2024. On December 19, 2024, the reporting person received a grant of 15,900 Restricted Stock Units (RSUs). These RSUs vest in three equal annual installments beginning December 10, 2025. On November 25, 2025, the reporting person achieved performance level of 100% on a target award of 12,400 Performance Share Units ("PSUs"), resulting in a total earned award of 12,400 shares. This represents the final determination a March 4, 2024 award that was dependent on certain performance results during the two fiscal year period ended September 30, 2025. Each PSU represents a contingent right to receive one share of TFS Financial Corporation common stock and are entitled to dividend equivalent rights in the form of a cash payment in the amount of any cash dividend paid per share of common stock during the period the award was outstanding. The shares and dividend equivalent payment will vest and distribute to the reporting person on December 10, 2026. As reported on a Form 4 dated January 8, 2018, the reporting person received a grant of 187,500 stock options. These stock options vest in three equal annual installments beginning December 10, 2018. As reported on a Form 4 dated December 15, 2016, the reporting person received a grant of 79,400 stock options. These stock options vest in three equal annual installments beginning December 10, 2017. As reported on a Form 4 dated December 17, 2015, the reporting person received a grant of 49,200 stock options on December 15, 2015. These stock options vest in three equal annual installments beginning December 10, 2016.
SEC Form 4
FORM 4 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number: 3235-0287
Estimated average burden
hours per response: 0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
Zbanek Cathy W

(Last) (First) (Middle)
7007 BROADWAY AVENUE

(Street)
CLEVELAND OH 44105

(City) (State) (Zip)
2. Issuer Name and Ticker or Trading Symbol
TFS Financial CORP [ TFSL ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director 10% Owner
X Officer (give title below) Other (specify below)
Chief Synergy Officer
3. Date of Earliest Transaction (Month/Day/Year)
12/10/2025
4. If Amendment, Date of Original Filed (Month/Day/Year)
6. Individual or Joint/Group Filing (Check Applicable Line)
X Form filed by One Reporting Person
Form filed by More than One Reporting Person
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V Amount (A) or (D) Price
Common Stock 12/10/2025 M 18,990(1) A $0 72,187 D
Common Stock 12/10/2025 M 4,667(1) A $0 76,854 D
Common Stock 12/10/2025 M 4,733(1) A $0 81,587 D
Common Stock 12/10/2025 M 5,300(1) A $0 86,887 D
Common Stock 12/10/2025 F 15,786(2) D $13.91 71,101 D
Common Stock 5,325 I By 401(k)(3)
Common Stock 13,760 I By ESOP(3)
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year) 7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Performance Restricted Share Units (4) 12/10/2025 M 18,990 (5) (5) Common Stock 18,990 $0 0 D
Restricted Stock Units (4) 12/10/2025 M 4,667 (6) (6) Common Stock 4,667 $0 0 D
Restricted Stock Units (4) 12/10/2025 M 4,733 (7) (7) Common Stock 4,733 $0 4,734 D
Restricted Stock Units (4) 12/10/2025 M 5,300 (8) (8) Common Stock 5,300 $0 10,600 D
Performance Restricted Share Units (4) (9) (9) Common Stock 12,400 12,400 D
Employee Stock Option (right to buy) $14.74 (10) 01/05/2028 Common Stock 187,500 187,500 D
Employee Stock Option (right to buy) $19.31 (11) 12/15/2026 Common Stock 79,400 79,400 D
Employee Stock Option (right to buy) $19.06 (12) 12/17/2025 Common Stock 49,200 49,200 D
Explanation of Responses:
1. These common shares were acquired upon the vesting and settlement of certain restricted or performance stock units (RSUs) and (PSUs).
2. These common shares were delivered to the issuer to pay for applicable withholding tax due upon the exercise of certain restricted stock units or performance share units.
3. Reflects transactions not required to be reported under Section 16 of the Securities Exchange Act, as amended.
4. Each restricted and performance stock unit represents a contingent right to receive one share of TFS Financial Corporation common stock. Restricted and performance stock units are entitled to dividend equivalent rights in the form of a cash payment in the amount of any cash dividend paid per share of common stock.
5. On November 21, 2024, the reporting person achieved performance level of 90.0% on a target award of 21,000 Performance Share Units ("PSUs"), resulting in a total earned award of 18,990 shares. This represents the final determination a December 15, 2022 award that was dependent on certain performance results during the two fiscal year period ended September 30, 2024. Each PSU represents a contingent right to receive one share of TFS Financial Corporation common stock and are entitled to dividend equivalent rights in the form of a cash payment in the amount of any cash dividend paid per share of common stock during the period the award was outstanding. The shares and dividend equivalent payment will vest and distribute to the reporting person on December 10, 2025.
6. On December 15, 2022, the reporting person received a grant of 14,000 Restricted Stock Units (RSUs). These RSUs vest in three equal annual installments beginning December 10, 2023.
7. On March 4, 2024, the reporting person received a grant of 14,200 Restricted Stock Units (RSUs). These RSUs vest in three equal annual installments beginning December 10, 2024.
8. On December 19, 2024, the reporting person received a grant of 15,900 Restricted Stock Units (RSUs). These RSUs vest in three equal annual installments beginning December 10, 2025.
9. On November 25, 2025, the reporting person achieved performance level of 100% on a target award of 12,400 Performance Share Units ("PSUs"), resulting in a total earned award of 12,400 shares. This represents the final determination a March 4, 2024 award that was dependent on certain performance results during the two fiscal year period ended September 30, 2025. Each PSU represents a contingent right to receive one share of TFS Financial Corporation common stock and are entitled to dividend equivalent rights in the form of a cash payment in the amount of any cash dividend paid per share of common stock during the period the award was outstanding. The shares and dividend equivalent payment will vest and distribute to the reporting person on December 10, 2026.
10. As reported on a Form 4 dated January 8, 2018, the reporting person received a grant of 187,500 stock options. These stock options vest in three equal annual installments beginning December 10, 2018.
11. As reported on a Form 4 dated December 15, 2016, the reporting person received a grant of 79,400 stock options. These stock options vest in three equal annual installments beginning December 10, 2017.
12. As reported on a Form 4 dated December 17, 2015, the reporting person received a grant of 49,200 stock options on December 15, 2015. These stock options vest in three equal annual installments beginning December 10, 2016.
Remarks:
/s/ Susanne N. Miller, Pursuant to Power of Attorney 12/12/2025
** Signature of Reporting Person Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
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FAQ

What insider stock transactions did TFS Financial (TFSL) report for December 10, 2025?

On December 10, 2025, the Chief Synergy Officer acquired 18,990 TFS Financial common shares at $0 from vested performance share units and additional common shares of 4,667, 4,733 and 5,300 from restricted stock unit vesting. To pay withholding taxes, the officer delivered 15,786 shares to the issuer at $13.91 per share.

How many TFS Financial (TFSL) shares does the officer own after these Form 4 transactions?

After the reported transactions, the officer beneficially owns 71,101 TFS Financial common shares directly, plus 5,325 shares held indirectly through a 401(k) plan and 13,760 shares held indirectly through the company ESOP, as shown in the ownership table.

What performance conditions led to the 18,990 TFS Financial performance share units vesting?

On November 21, 2024, the officer achieved a 90.0% performance level on a target award of 21,000 Performance Share Units, resulting in an earned award of 18,990 shares. This award was based on performance during the two-fiscal-year period ended September 30, 2024, and the shares and related dividend equivalents are scheduled to vest and distribute on December 10, 2025.

What other performance share unit award is disclosed for the TFS Financial (TFSL) officer?

The filing notes that on November 25, 2025, the officer achieved 100% of a target award of 12,400 Performance Share Units, resulting in an earned award of 12,400 shares. This relates to performance over the two-fiscal-year period ended September 30, 2025, with shares and dividend equivalents scheduled to vest and distribute on December 10, 2026.

What stock option grants for TFS Financial (TFSL) remain outstanding for the officer?

Outstanding employee stock options include 187,500 options with a $14.74 exercise price expiring on January 5, 2028, 79,400 options with a $19.31 exercise price expiring on December 15, 2026, and 49,200 options with a $19.06 exercise price expiring on December 17, 2025, all shown as beneficially owned directly.