TFSL - NASDAQ

TFS Financial Corporation

TFSL·NASDAQ

$15.86

-0.84%

Financial ServicesBanks - Regional

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. Its deposit products include savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. The company also provides residential real estate mortgage loans, residential construction loans, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, it offers escrow and settlement services. The company provides its products and services through its main office in Cleveland, Ohio; and 37 full-service branches and 7 loan production offices located throughout the states of Ohio and Florida. The company was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$4.45B

EPS0.3200

P/E Ratio49.56

Earnings Date07/29/2026

17.46B

Assets

3Y+11.0%

5Y+19.0%

10Y+35.0%

15.56B

Total Liabilities

3Y+12.0%

5Y+20.0%

10Y+38.0%

1.89B

Total Equity

3Y+3.0%

5Y+13.0%

10Y+14.0%

TFS Financial Corporation Funding & Solvency Profile

TFSL · NASDAQ

Current Assets

Cash & Cash Equivalents429.44M

Net Receivables62.55M

Inventory0.00

Other Current Assets0.00

Total Current Assets546 M

Non-Current Assets

Property, Plant & Equipment40.02M

Goodwill & Intangible Assets18.28M

Long-Term Investments16.19B

Other Non-Current Assets664.39M

Total Non-Current Assets17 B

Total Assets

17.46B

Financial Health Analysis

Current Ratio

0.05x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

8.22x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-9900931000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

3% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

TFS Financial Corporation Balance Sheet

TFSL • NASDAQ

TFS Financial Corporation Balance Sheet	Sep 2025	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009	Sep 2008	Sep 2007	Sep 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	429.4M	463.7M	466.7M	369.6M	488.3M	498M	275.1M	269.8M	268.2M	231.2M	155.4M	181.4M	286M	308.3M	294.8M	743.7M	307M	132.4M	231.3M	164M
Short-Term Investments	54M	526.3M	508.3M	457.9M	421.8M	453.4M	547.9M	532M	537.5M	517.9M	585.1M	568.9M	477.4M	421.4M	15.9M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	483.5M	990M	975.1M	827.5M	910.1M	951.5M	823M	801.7M	805.7M	749.1M	740.4M	750.3M	763.4M	729.7M	310.7M	743.7M	307M	132.4M	231.3M	164M
Net Receivables	62.6M	59.4M	53.9M	40.3M	31.1M	36.6M	40.8M	38.7M	35.5M	32.8M	32.5M	32M	31.5M	34.9M	35.9M	36.3M	38.4M	46.4M	48.4M	42M
Accounts Receivables	62.6M	59.4M	53.9M	40.3M	31.1M	36.6M	40.8M	38.7M	35.5M	32.8M	32.5M	32M	31.5M	34.9M	35.9M	36.3M	38.4M	46.4M	48.4M	42M
Total Current Assets	546M	1B	1B	867.7M	941.2M	988.1M	863.8M	840.4M	841.2M	781.9M	772.9M	782.2M	794.9M	764.6M	346.6M	780M	345.4M	178.8M	279.7M	206M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	40M	33.2M	34.7M	34.5M	37.4M	41.6M	61.6M	63.4M	60.9M	61M	57.2M	56.4M	58.5M	61.2M	59.5M	62.7M	65.1M	68.1M	69.7M	89M
Goodwill	9.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Intangible Assets	8.5M	7.6M	7.4M	7.9M	8.9M	7.9M	8.1M	8.8M	8.4M	8.9M	10M	11.7M	14.1M	19.6M	28.9M	0.0	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	18.3M	7.6M	7.4M	7.9M	8.9M	7.9M	8.1M	8.8M	8.4M	8.9M	10M	11.7M	14.1M	19.6M	28.9M	0.0	0.0	0.0	0.0	0.0
Long-Term Investments	16.2B	15.3B	15.2B	14.3B	12.5B	13.1B	13.2B	12.9B	12.4B	11.7B	11.2B	10.6B	10.1B	10.3B	10.1B	9.9B	9.9B	10.3B	9.1B	7.9B
Other Non-Current Assets	664.4M	660.8M	677.9M	612.9M	552M	464.7M	409.5M	352.7M	362.5M	340.8M	341.1M	317.2M	313.6M	323.3M	314.5M	355M	305.8M	281.3M	866.5M	377.6M
Total Non-Current Assets	16.9B	16B	15.9B	14.9B	13.1B	13.7B	13.7B	13.3B	12.9B	12.1B	11.6B	11B	10.5B	10.8B	10.5B	10.3B	10.3B	10.6B	10B	8.4B
Total Assets	17.5B	17.1B	16.9B	15.8B	14.1B	14.6B	14.5B	14.1B	13.7B	12.9B	12.4B	11.8B	11.3B	11.5B	10.9B	11.1B	10.6B	10.8B	10.3B	8.6B
LIABILITIES
CURRENT LIABILITIES
Total Payables	14.7M	23.2M	10.4M	2.2M	1.9M	3.1M	3.7M	3.7M	2M	1.9M	1.8M	1.4M	381K	680K	1M	0.0	0.0	0.0	0.0	0.0
Accounts Payable	14.7M	23.2M	10.4M	2.2M	1.9M	3.1M	3.7M	3.7M	2M	1.9M	1.8M	1.4M	381K	680K	1M	0.0	0.0	0.0	0.0	0.0
Accrued Expenses	0.0	0.0	0.0	84.1M	88.6M	65.6M	40M	31.2M	43.4M	53.7M	49.2M	40.3M	41.1M	46.3M	53.2M	65.2M	58.4M	54.6M	0.0	0.0
Tax Payables	0.0	0.0	0.0	167K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	159K	321K	1.7M	5.3M	0.0
Other Current Liabilities	10.4B	10.2B	9.4B	8.9B	9B	9.2B	8.8B	8.5B	8.1B	8.3B	8.3B	8.7B	8.5B	9B	8.7B	8.9B	8.6B	8.3B	8.1B	7.4B
Total Current Liabilities	10.4B	10.2B	9.4B	9B	9.1B	9.3B	8.8B	8.5B	8.2B	8.4B	8.3B	8.7B	8.5B	9B	8.8B	8.9B	8.6B	8.3B	8.1B	7.4B
NON-CURRENT LIABILITIES
Long Term Debt	4.9B	4.8B	5.3B	4.8B	3.1B	3.6B	3.9B	3.8B	3.7B	2.8B	2.2B	1.2B	820.9M	615.7M	291.7M	70.2M	70.2M	498M	0.0	25.1M
Other Non-Current Liabilities	214.9M	211.5M	237.4M	117.3M	109.6M	111.5M	103.3M	103M	100.4M	92.3M	86.3M	76.3M	71.4M	67.9M	58.2M	335.8M	153.9M	129.1M	150.6M	156.8M
Total Non-Current Liabilities	5.1B	5B	5.5B	4.9B	3.2B	3.7B	4B	3.9B	3.8B	2.9B	2.3B	1.3B	892.3M	683.6M	350M	406M	224.1M	627.1M	150.6M	181.9M
Capital Lease Obligations	0.0	0.0	12.7M	10.8M	13.3M	11.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	15.6B	15.2B	15B	13.9B	12.3B	13B	12.8B	12.4B	12B	11.3B	10.6B	10B	9.4B	9.7B	9.1B	9.3B	8.9B	8.9B	8.3B	7.6B
SHAREHOLDERS' EQUITY
Treasury Stock	-774.3M	-772.2M	-776.1M	-772M	-768M	-767.6M	-764.6M	-754.3M	-735.5M	-681.6M	-548.6M	-379.1M	-278.2M	-280.9M	-282.1M	-288.4M	-287.5M	-192.7M	0.0	0.0
Common Stock	3.3M	3.3M	3.3M	3.3M	3.3M	3.3M	3.3M	3.3M	3.3M	3.3M	3.3M	3.3M	3.3M	3.3M	3.3M	3.3M	3.3M	3.3M	3.3M	0.0
Additional Paid-In Capital	1.8B	1.8B	1.8B	1.8B	1.7B	1.7B	1.7B	1.7B	1.7B	1.7B	1.7B	1.7B	1.7B	1.7B	1.7B	1.7B	1.7B	1.7B	1.7B	628M
Retained Earnings	946.8M	915.5M	887M	870M	853.7M	865.5M	837.7M	807.9M	760.1M	698.9M	641.8M	589.7M	529M	473.2M	461.8M	452.6M	456.9M	462.2M	421.5M	395.9M
Accumulated Other Comprehensive Income/Loss	-21.2M	-15.6M	85.2M	23.1M	-67.8M	-132M	-69.4M	23.2M	-7.5M	-19.6M	-13.1M	-10.8M	-8.6M	-5.9M	-16.3M	-18.1M	-17.9M	-8.6M	-106.8M	-11.3M
Other Total Stockholders' Equity	-18.4M	-22.8M	-27.1M	-31.4M	-35.8M	-40.1M	-44.4M	-48.8M	-53.1M	-57.4M	-61.8M	-66.1M	-70.4M	-74.8M	-79.1M	-82.7M	-87.9M	-93.5M	0.0	0.0
Total Stockholders' Equity	1.9B	1.9B	1.9B	1.8B	1.7B	1.7B	1.7B	1.8B	1.7B	1.7B	1.7B	1.8B	1.9B	1.8B	1.8B	1.8B	1.7B	1.8B	2B	1B
Total Equity	1.9B	1.9B	1.9B	1.8B	1.7B	1.7B	1.7B	1.8B	1.7B	1.7B	1.7B	1.8B	1.9B	1.8B	1.8B	1.8B	1.7B	1.8B	2B	1B
SUMMARY
Total Liabilities & Equity	17.5B	17.1B	16.9B	15.8B	14.1B	14.6B	14.5B	14.1B	13.7B	12.9B	12.4B	11.8B	11.3B	11.5B	10.9B	11.1B	10.6B	10.8B	10.3B	8.6B
Total Investments	16.2B	15.9B	15.7B	14.7B	12.9B	13.6B	13.7B	13.4B	13B	12.2B	11.8B	11.2B	10.6B	10.8B	10.2B	9.9B	9.9B	10.3B	9.1B	7.9B
Total Debt	4.9B	4.8B	5.3B	4.8B	3.1B	3.6B	3.9B	3.8B	3.7B	2.8B	2.2B	1.2B	820.9M	615.7M	291.7M	70.2M	70.2M	498M	0.0	25.1M
Net Debt	4.5B	4.4B	4.8B	4.5B	2.6B	3.1B	3.7B	3.5B	3.4B	2.5B	2.1B	1B	534.9M	307.5M	-3.1M	-673.6M	-236.9M	365.6M	-231.3M	-138.9M
Shares Outstanding	280,462,989	280,462,989	280,462,989	280,462,989	280,462,989	280,462,989	280,462,989	280,462,989	280,462,989	280,462,989	280,462,989	280,462,989	280,462,989	280,462,989	280,462,989	280,462,989	280,462,989	280,462,989	280,462,989	280,462,989

SEC Filings

TFSL - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 28, 2026	May 28, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 26, 2026	May 26, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 07, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 30, 2026	April 30, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 02, 2026	April 02, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 26, 2026	February 26, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 26, 2026	February 26, 2026	2026	View Filing
10-Q 10-Q 2025 Q4 Q4	February 05, 2026	December 31, 2025	2025	View Filing
8-K/A 8-K/A 2026 (Amended) N/A	February 05, 2026	January 29, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 29, 2026	January 29, 2026	2026	View Filing

Showing 1 to 10 of 325 filings

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