TFS Financial Corporation (TFSL)

Nasdaq: TFSL · Savings Institution, Federally Chartered · Cleveland, OH · filing with the SEC since 2006

Grade5.8

◀ Past 6.6● Present 5.8▶ Future 4.7

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in September.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020	Sep 30, 2019	Sep 30, 2018	Sep 30, 2017	Sep 30, 2016
Report filed	Nov 25, 2025	Nov 22, 2024	Nov 21, 2023	Nov 22, 2022	Nov 24, 2021	Nov 24, 2020	Nov 26, 2019	Nov 27, 2018	Nov 22, 2017	·
For lenders
Interest and dividend income	763,180	734,074	611,919	409,333	389,351	455,298	482,087	443,045	408,995	388,441
Interest expense on deposits and borrowings	470,486	455,616	328,352	141,937	·	·	·	·	·	·
Net interest income	292,694	278,458	283,567	267,396	231,630	242,268	265,421	280,941	278,896	270,415
Provision for credit losses	2,500	-1,500	-1,500	1,000	-9,000	3,000	-10,000	-11,000	-17,000	-8,000
Net interest income after provision	290,194	279,958	285,067	266,396	240,630	239,268	275,421	291,941	295,896	278,415
Noninterest income	28,780	24,702	21,429	23,804	55,299	53,251	20,464	21,536	19,849	24,952
Noninterest expense	204,259	204,347	213,129	198,146	195,835	192,274	193,673	192,313	182,404	181,004
Interest expense	·	·	328,352	141,937	157,721	213,030	216,666	162,104	130,099	118,026
Income before income taxes	114,715	100,313	93,367	92,054	100,094	100,245	102,212	121,164	133,341	122,363
Income tax expense	23,756	20,725	18,117	17,489	19,087	16,928	21,975	35,757	44,464	41,810
Net income	90,959	79,588	75,250	74,565	81,007	83,317	80,237	85,407	88,877	80,553
Net income to common shareholders	89,501	78,162	73,681	73,055	79,452	81,738	78,715	84,196	87,976	79,792
Earnings per share, basic	0.32	0.28	0.27	0.26	0.29	0.30	0.29	0.31	0.32	0.28
Earnings per share, diluted	0.32	0.28	0.26	0.26	0.29	0.29	0.28	0.30	0.32	0.28
Earnings per share, basic and diluted	·	·	·	·	·	0.30	0.29	·	0.32	0.28
Weighted average shares, basic	278,715,769	278,178,496	277,436,382	277,370,762	276,694,594	275,859,660	275,395,529	275,590,053	277,213,258	281,566,648
Weighted average shares, diluted	279,758,525	279,143,524	278,583,454	278,686,365	278,576,254	277,803,058	277,374,426	277,298,425	279,268,768	283,785,713

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLossesExpensed
us-gaap:ProvisionForLoanAndLeaseLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Earnings per share, basic and diluted net income per share, where both counts are the sameus-gaap:EarningsPerShareBasicAndDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton TFSL · research, not advice