TFSL - NASDAQ
TFS Financial Corporation
$15.86
-0.84%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.
At a Glance
Live SnapshotTFS Financial Corporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Moderate conversion rate. Some gap between earnings and cash flow may warrant investigation into working capital or non-cash items.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Solid cash generation: Positive free cash flow with reasonable earnings quality provides financial flexibility for growth investments, debt reduction, or shareholder returns.
TFS Financial Corporation Cash Flow Statement
TFSL • NASDAQ
| TFS Financial Corporation Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
91M | 79.6M | 75.3M | 74.6M | 81M | 83.3M | 80.2M | 85.4M | 88.9M | 80.6M | 72.6M | 65.9M | 56M | 11.5M | 9.3M | 11.3M | 14.4M | 54.5M | 25.6M | 43.5M | |
23M | 19M | 18.1M | 27M | 32.6M | 32.8M | 23M | 25.2M | 20.9M | 19.4M | 17.5M | 13.3M | 21.3M | 22.8M | 19.4M | 18.5M | 18.5M | 8.8M | 6.9M | 11.6M | |
1.4M | 2.7M | 3.7M | -26.9M | -14.2M | 21.8M | 21.9M | 3.9M | 3.5M | 11.1M | 9.2M | 9.7M | 6.5M | -19.3M | -8.2M | -10.5M | -15.5M | 1.1M | -23M | 4.5M | |
9.6M | 9.5M | 10M | 11M | 13.7M | 12.1M | 11.8M | 11.4M | 11.3M | 13.4M | 14M | 12.2M | 11.4M | 11.1M | 10.1M | 13.1M | 13.2M | 11.8M | 0.0 | 0.0 | |
-30.4M | -31.1M | -13.5M | -32.6M | -52.5M | -35.2M | -20.4M | -19.8M | -20.7M | -22.3M | -12.9M | 9.9M | 30.5M | 114.4M | 95.5M | 121M | 240.7M | -54.6M | 57.5M | -646.6M | |
(16.5M) | (15.7M) | (21.8M) | (39.6M) | (25.8M) | (1.7M) | (9.7M) | (32.5M) | (38.2M) | (31.8M) | (22.5M) | (25.1M) | (19.6M) | (19.8M) | (7.6M) | (19.9M) | (19.4M) | (25M) | (0.0) | (0.0) | |
-12.2M | 8.9M | -2.9M | -14.2M | 22.6M | 7M | -13.5M | -14M | -2.7M | -17.2M | 1.8M | -7.4M | 15.2M | 15.1M | 9.4M | -36.9M | 793K | 7.3M | 206.4M | 943.1M | |
82.4M | 88.6M | 90.7M | 38.9M | 83.2M | 121.8M | 103M | 92.1M | 101.2M | 84.9M | 102.1M | 103.5M | 140.8M | 155.6M | 135.6M | 116.5M | 272M | 29M | 273.4M | 356.2M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-11.5M | -3.1M | -5.1M | -2.7M | -1.3M | -3.2M | -3.8M | -8.4M | -4.2M | -9.1M | -5.5M | -2.8M | -2.8M | -7.3M | -2.6M | -4.4M | -4.2M | -5.2M | (8.4M) | -3.5M | |
-160.3M | -133.5M | -144.7M | -250M | -297.5M | -171.5M | -158M | -151.6M | -183.5M | -95.2M | -171.1M | -250.8M | -276.5M | -228M | -14.7M | -390.4M | -36.8M | -231.3M | -848.7M | (0.0) | |
170.3M | 141.7M | 83.6M | 163.6M | 317.1M | 268.6M | 152.6M | 139.8M | 153.3M | 154.5M | 153.9M | 157.4M | 206.4M | 214.1M | 274.1M | 318.7M | 283.9M | 263.4M | 150M | 1.4B | |
-382.5M | -129.8M | -942.4M | -1.8B | 529.1M | 53.7M | -332.8M | -454.7M | -720.5M | -504.6M | -577.7M | -572.4M | 218.1M | -720.2M | -649.1M | -49.8M | -124M | -1.2B | -613.1M | -1.2B | |
-384M | -124.7M | -1B | -1.9B | (547.4M) | (147.6M) | -342M | -474.9M | -754.8M | -454.4M | -600.4M | -668.6M | (145.2M) | -741.4M | -392.4M | -125.9M | (119M) | -1.2B | -1.3B | (130M) | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-4M | -1.9M | -6M | -6.3M | -5.6M | -2.3M | -9.1M | -19.7M | -54M | -128.4M | -172.5M | -101.4M | 0.0 | 0.0 | 0.0 | -1.8M | -103.1M | -186M | 992.9M | 0.0 | |
82.6M | -480.4M | 689M | 584.8M | -429.7M | -381.2M | 181.3M | 50.3M | 952.6M | 550.2M | 1B | 393.5M | 256.9M | 348.3M | 69.7M | 0.0 | -427.9M | 498M | -25M | -692.3M | |
-59.5M | -59M | -58.3M | -58.3M | -56.6M | -55.5M | -50.5M | -37.6M | -27.7M | -23.4M | -19.5M | -4.9M | (0.0) | (0.0) | (0.0) | -15.6M | -19.7M | -13.8M | (0.0) | (0.0) | |
-4M | -1.9M | -6M | -6.3M | -5.6M | -2.3M | -9.1M | -19.7M | -54M | -128.4M | -172.5M | -101.4M | (0.0) | (0.0) | (0.0) | -1.8M | -103.1M | -186M | (0.0) | (0.0) | |
248.2M | 574.3M | 390.3M | 1.2B | -148.3M | 392.5M | 122.6M | 391.3M | -180.2M | 46.9M | -365.7M | 173.3M | -565.2M | 250.8M | -261.8M | 463.4M | 334.4M | 130.6M | 638.8M | 338.7M | |
267.3M | 33.1M | 1B | 1.7B | -640.2M | -46.5M | 244.3M | 384.3M | 690.6M | 445.3M | 472.3M | 460.5M | -308.3M | 599.2M | -192.1M | 446M | -216.3M | 428.8M | 1.6B | -353.5M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-34.3M | -3M | 97.2M | -118.8M | -9.7M | 222.9M | 5.4M | 1.6M | 37M | 75.9M | -26M | -104.6M | -22.3M | 13.4M | -448.9M | 436.7M | 174.7M | -697.3M | 576.8M | 132.6M | |
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 | 829.7M | 252.9M | 120.3M | |
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 | 829.7M | 252.9M | |
71M | 85.5M | 85.6M | 36.2M | 81.8M | 118.6M | 99.2M | 83.7M | 97M | 75.8M | 96.6M | 100.7M | 138M | 148.3M | 133M | 112.1M | 267.8M | 23.8M | 281.9M | 352.7M |
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 | |
8-K 8-K 2026 N/A | May 26, 2026 | May 26, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 30, 2026 | April 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 02, 2026 | April 02, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 26, 2026 | February 26, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 26, 2026 | February 26, 2026 | 2026 | |
10-Q 10-Q 2025 Q4 Q4 | February 05, 2026 | December 31, 2025 | 2025 | |
8-K/A 8-K/A 2026 (Amended) N/A | February 05, 2026 | January 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 29, 2026 | 2026 |
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