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TFS Financial Corporation (TFSL) filed its Form 10-K as a large accelerated filer and well-known seasoned issuer for the fiscal year ended September 30, 2025. The company is a Cleveland, Ohio-based savings and loan holding company whose primary business is its ownership of Third Federal Savings and Loan Association of Cleveland.
The filing notes that common stock is listed on the NASDAQ Global Select Market and that non-affiliate common equity had an aggregate market value of $647.7 million as of March 31, 2025. At November 21, 2025, there were 280,513,055 common shares outstanding, of which 80.97% were held by Third Federal Savings, MHC.
The report includes extensive forward-looking statements language, highlighting risks related to interest rates, economic conditions, real estate markets, credit quality, regulatory changes, funding access, cybersecurity, and broader geopolitical or pandemic-related disruptions.
TFS Financial Corporation announced that its board declared a cash dividend of $0.2825 per share on its common stock. The dividend will be paid on December 16, 2025 to shareholders who are on record as of December 2, 2025.
Third Federal Savings and Loan Association of Cleveland, MHC, which owns 227,119,132 shares representing 81% of the company’s common stock, has waived its right to receive this dividend. The MHC’s members approved, and the Federal Reserve Bank of Cleveland did not object to, the MHC waiving up to an aggregate $1.13 per share in dividends during the twelve months through July 8, 2026, and the MHC has already waived $0.2825 per share for the quarter ending September 30, 2025.
TFS Financial Corp (TFSL) reported an insider transaction on Form 4. A company officer who is also a director sold 15,000 shares of common stock at $13.85 on 11/12/2025. After the sale, the reporting person held 48,527 shares directly, plus 549 shares via an ESOP and 371 shares via a 401(k).
Disclosed derivative holdings include 19,170 performance RSUs; RSUs of 16,600, 9,600, and 4,734 shares; and stock options for 187,500 shares at an exercise price of $14.74 expiring 01/05/2028, along with additional option grants of 54,400 shares at $19.31 expiring 12/15/2026 and 24,200 shares at $19.06 expiring 12/17/2025.
TFS Financial Corporation, holding company for Third Federal Savings and Loan Association of Cleveland, reported that it issued a press release announcing operating results for the three and twelve months ended September 30, 2025. The update was disclosed in an 8-K dated October 30, 2025.
The press release is furnished as Exhibit 99.1 and, as stated, is not deemed “filed” for purposes of Section 18 of the Exchange Act and is not incorporated by reference into other filings. The report was signed by Meredith S. Weil, Chief Financial Officer.
Michael J. Carfagna, Chief Information Officer of TFS Financial Corporation (TFSL), reports beneficial ownership of common stock and equity awards. He directly holds 14,689 shares and indirectly holds 7,409 shares through an ESOP. He also holds 4,000 restricted stock units (convertible to one share each) and stock options for 5,000 shares at $14.74 and 12,000 shares at $12.94, with specified vesting schedules.
The filing is a Form 144 notice for proposed sale of 3,900 shares of common stock held by the reporting person, acquired via RSU vesting on 12/10/2024. The broker is listed as Charles Schwab & Co with an approximate aggregate market value of $52,260.00. The filer reports 280,688,024 shares outstanding for the issuer and an approximate sale date of 09/11/2025. No securities were reported sold in the past three months. The filing includes the standard certification that the seller knows of no undisclosed material adverse information.
TFS Financial Corporation director and CFO Meredith S. Weil sold 15,000 shares on 09/02/2025 at $13.70 per share, reducing her direct holdings to 63,527 shares (held with shared voting power with spouse). The filing details multiple equity awards and derivative holdings: 19,170 performance stock units that will vest and distribute on 12/10/2025; a series of restricted stock units totaling 34,934 shares with staged vesting dates; and employee stock options covering 266,100 shares with exercise prices of $14.74, $19.31, and $19.06 and varying exercisable/expiration schedules. Some plan-held shares are held indirectly via a 401(k) and ESOP.
TFS Financial Corporation insider Marc A. Stefanski reported a sale of 7,200 shares on 08/29/2025 at $14.17 per share. The Form 4 shows this reporting person serves as Chairman, President and CEO and continues to hold substantial direct and indirect equity and equity-linked awards. After the reported sale his direct beneficial ownership is shown as 0 shares from that line, while the filing lists multiple indirect and direct holdings including 111,398 shares held in a 401(k)/ESOP, trusts and family-related accounts, and large outstanding equity awards: RSUs, PSUs totaling tens of thousands of shares and 196,700 stock options exercisable at $19.06 expiring 12/17/2025. The Form includes explanations of vesting schedules and a note that some transfers changed shares from indirect to direct ownership earlier in 2025.
Form 144 notice for TFS Financial Corporation (TFSL) discloses a proposed sale of 15,000 common shares valued at $205,200 to be executed on 09/02/2025 on Nasdaq through Charles Schwab. The 15,000 shares match the detailed acquisition history: a 2017 open-market purchase of 2,932 shares and restricted stock units granted between 2017 and 2020 totaling 12,068 shares, reflecting equity compensation origins. The filer reports no sales in the past three months and includes the standard representation that they are not aware of undisclosed material adverse information about the issuer.
TFS Financial Corporation (TFSL) filed a Form 144 reporting a proposed sale of 7,200 common shares through Fidelity Brokerage Services LLC on 08/29/2025. The filing lists an aggregate market value of $102,276.00 and notes total shares outstanding of 280,688,024, indicating this sale is a very small fraction of the companys outstanding stock. The shares were originally acquired as a stock award on 06/16/2008.
The filer certifies they are not aware of any undisclosed material adverse information about the issuer. No other sales in the past three months were reported. This Form 144 is a routine notice required when an insider or affiliated person intends to sell restricted or control securities under Rule 144.