tfsl-20240430

0001381668-24-000073.txt : 20240430 0001381668-24-000073.hdr.sgml : 20240430 20240430160049 ACCESSION NUMBER: 0001381668-24-000073 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20240430 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240430 DATE AS OF CHANGE: 20240430 FILER: COMPANY DATA: COMPANY CONFORMED NAME: TFS Financial CORP CENTRAL INDEX KEY: 0001381668 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] ORGANIZATION NAME: 02 Finance IRS NUMBER: 522054948 STATE OF INCORPORATION: DE FISCAL YEAR END: 0930 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-33390 FILM NUMBER: 24896962 BUSINESS ADDRESS: STREET 1: 7007 BROADWAY AVENUE CITY: CLEVELAND STATE: OH ZIP: 44105 BUSINESS PHONE: (216) 441-6000 MAIL ADDRESS: STREET 1: 7007 BROADWAY AVENUE CITY: CLEVELAND STATE: OH ZIP: 44105 8-K 1 tfsl-20240430.htm 8-K tfsl-20240430

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported) April 30, 2024

TFS FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

United States of America

001-33390

52-2054948

(State or other jurisdiction
of incorporation)

(Commission
File Number)

(IRS Employer
Identification No.)

7007 Broadway Ave.,

Cleveland,

Ohio

44105

(Address of principle executive offices)

(Zip Code)

Registrant's telephone number, including area code (216) 441-6000

Not applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:


☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)


☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)


☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))


☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act

Title of each class

Trading Symbol(s)

Name of each exchange in which registered

Common Stock, par value $0.01 per share

TFSL

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging Growth Company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o


Item 2.02						Results of Operations and Financial Condition.

On April 30, 2024, TFS Financial Corporation (the "Company”), the holding company for Third Federal Savings and Loan Association of Cleveland (the "Association"), issued a press release announcing its operating results for the three months and fiscal year ended March 31, 2024. A copy of the press release is attached as Exhibit 99.1 to this Report.

The information contained in this Item 2.02 and in the accompanying exhibit 99.1 shall not be incorporated by reference into any filing of the Company, whether made before or after the date hereof. The information in this report, including the exhibit hereto, shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section or Sections 11 and 12(a)(2) of the Securities Act of 1933, as amended.



Item 9.01						Financial Statements and Exhibits.

(d) Exhibits.

99.1 Press Release dated April 30, 2024

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

TFS FINANCIAL CORPORATION

(Registrant)

Date:

April 30, 2024

By:

/s/ Meredith S. Weil

Meredith S. Weil

Chief Financial Officer

EX-99.1 2 tfslfy24mar8kexhibits.htm EX-99.1 Document

Contact: Jennifer Rosa (216) 429-5037 Exhibit 99.1

For release April 30, 2024

TFS FINANCIAL CORPORATION ANNOUNCES SECOND QUARTER EARNINGS

Quarter Reflects Portfolio Strength; Expense Management

(Cleveland, OH - April 30, 2024) - TFS Financial Corporation (NASDAQ: TFSL) (the "Company"), the holding company for Third Federal Savings and Loan Association of Cleveland (the "Association"), today announced results for the quarter and six months ended March 31, 2024.

“We continue to follow the same philosophy my parents did when they started Third Federal more than 85 years ago – structuring the company to survive and thrive in any economic scenario,” said Chairman and CEO Marc A. Stefanski. “Our tier 1 capital ratio is nearly 11 percent. We don’t have commercial loans in our portfolio. It consists of single-family, owner-occupied mortgages with an average credit score of 762 and only 0.19 percent in total delinquencies. Our strong retail deposit base is nearly 100 percent FDIC insured, and deposits have grown $500 million the first six months of the fiscal year. In an effort to offset the challenging rate environment, we are effectively managing both our cost of funds and our expense-to-assets, currently at 1.20 percent, to ensure that Third Federal remains strong, stable, and safe.”

The Company reported net income of $20.7 million for the quarter ended March 31, 2024, consistent with $20.7 million of net income for the quarter ended December 31, 2023. Changes of note included an increase in net interest income offset by an increase in non-interest expenses.

Net interest income increased $2.3 million, or 3%, to $71.4 million for the quarter ended March 31, 2024 from $69.1 million for the quarter ended December 31, 2023. Interest income was higher due to an increase in the average balance and yield of interest-earning cash equivalents and an increase in total yield on loans. The interest rate spread was 1.43% for the quarter ended March 31, 2024 compared to 1.39% for the quarter ended December 31, 2023. The net interest margin was 1.71% for the quarter ended March 31, 2024 compared to 1.68% for the prior quarter.

During each of the quarters ended March 31, 2024 and December 31, 2023, there was a $1.0 million release of provision for credit losses. Recoveries of loan amounts previously charged off and low levels of current loan charge-offs resulted in the release of provision. Net recoveries were $1.3 million for the quarter ended March 31, 2024 compared to $1.0 million for the previous quarter. The total allowance for credit losses increased $0.3 million during the quarter ended March 31, 2024 to $94.8 million, or 0.63% of total loans receivable, from $94.6 million, or 0.62% of total loans receivable, at December 31, 2023. The increase was mainly due to an increase in the liability for unfunded commitments. This change was partially offset by a decrease in the provision for losses on loans, resulting from a decrease in the balance of loans held for investment. The total allowance for credit losses included a liability for unfunded commitments of $26.7 million and $25.5 million at March 31, 2024 and December 31, 2023, respectively.

Total non-interest expenses increased $1.9 million, or 4%, to $52.2 million for the quarter ended March 31, 2024, from $50.3 million for the quarter ended December 31, 2023. The increase was primarily due to a $0.7 million increase in marketing costs, but also included increases of $0.4 million in salaries and employee benefits, $0.5 million in office property, equipment and software, and $0.2 million in federal insurance premium and assessments.

Total assets decreased by $36.6 million, or less than 1%, to $17.02 billion at March 31, 2024 from $17.05 billion at December 31, 2023. The decrease was mainly due to a decrease in loans held for investment and Federal Home Loan Bank ("FHLB") stock partially offset by an increase in cash and cash equivalents.

Cash and cash equivalents increased $42.6 million, or 8%, to $594.3 million at March 31, 2024 from $551.8 million at December 31, 2023 due to normal fluctuations and liquidity management.

FHLB stock decreased $14.3 million to $240.4 million at March 31, 2024 from $254.7 million at December 31, 2023. The decrease is a result of stock redemptions by the FHLB. The FHLB has collateral requirements on funds borrowed that dictate the minimum amount of stock owned at any given time.

Loans held for investment, net of allowance and deferred loan expenses, decreased $57.6 million, or less than 1%, to $15.15 billion at March 31, 2024 from $15.21 billion at December 31, 2023. During the quarter ended March 31, 2024, residential core mortgage loans decreased $178.7 million and the home equity loans and lines of credit portfolio increased

$121.9 million. Repayments and sales of residential mortgage loans held for investment outpaced originations during the quarter ended March 31, 2024. The volume of mortgage loan originations remains lower due to a relatively high interest rate environment, resulting in minimal refinance activity.

Compared to December 31, 2023, deposits increased by $14.6 million to $9.94 billion at March 31, 2024, consisting of a $412.6 million increase in retail certificates of deposit ("CDs"), and decreases of $223.3 million in brokered CDs, $95.3 million in savings accounts, $41.3 million in money market deposit accounts, and $39.6 million in checking accounts.

Borrowed funds decreased $75.1 million to $4.96 billion at March 31, 2024 from $5.03 billion at December 31, 2023, as maturing borrowings were paid off with cash and partially replaced with retail deposits.

Fiscal Year-To-Date 2024

The Company reported net income of $41.4 million for the six months ended March 31, 2024 compared to net income of $38.1 million for the six months ended March 31, 2023. The $3.3 million increase was mainly due to an increase in non-interest income and a decrease in non-interest expenses, partially offset by a decrease in net interest income.

Net interest income decreased by $4.0 million, or 3%, to $140.5 million for the six months ended March 31, 2024 compared to $144.4 million for the six months ended March 31, 2023. The decrease was primarily due to a change in deposit mix, along with growth in the CD portfolio and repricing of existing CDs. This was partially offset by an increase in the average balance and yield of total interest-earning assets. The interest rate spread was 1.40% for the six months ended March 31, 2024, a 26 basis point decrease from 1.66% for the six months ended March 31, 2023. The net interest margin was 1.70% for the six months ended March 31, 2024 compared to 1.86% for the prior year period.

During each of the six months ended March 31, 2024 and March 31, 2023, there was a $2.0 million release of provision for credit losses. Net loan recoveries totaled $2.3 million for the six months ended March 31, 2024 and $2.9 million for the same period in the prior year.

The total allowance for credit losses at March 31, 2024 was $94.8 million, or 0.63% of total loans receivable, compared to $104.8 million, or 0.69% of total loans receivable, at September 30, 2023. The decrease was almost entirely due to the adoption of recently issued accounting guidance related to the accounting for troubled debt restructurings, which resulted in a $10.2 million reduction to the allowance and a $7.9 million adjustment to retained earnings, net of tax. The allowance for credit losses included $26.7 million and $27.5 million in liabilities for unfunded commitments at March 31, 2024 and September 30, 2023, respectively. Total loan delinquencies increased $5.0 million to $28.4 million, or 0.19% of total loans receivable, at March 31, 2024 from $23.4 million, or 0.16% of total loans receivable, at September 30, 2023. Non-accrual loans increased $3.4 million to $35.3 million, or 0.23% of total loans receivable, at March 31, 2024 from $31.9 million, or 0.21% of total loans receivable, at September 30, 2023.

Total non-interest income increased $1.5 million, or 14%, to $12.0 million for the six months ended March 31, 2024 from $10.5 million for the six months ended March 31, 2023. The increase was mainly due to a $1.0 million increase in income and death benefits from life insurance contracts. Additionally, there was a $0.5 million increase in other non-interest income that primarily related to changes in fair value on commitments to originate mortgage loans.

Total non-interest expenses decreased $6.3 million, or 6%, to $102.5 million for the six months ended March 31, 2024, from $108.8 million for the six months ended March 31, 2023 and included decreases of $4.9 million in marketing costs and $4.2 million in salaries and employee benefits, partially offset by increases of $1.6 million in federal ("FDIC") insurance premiums, $0.7 million in other operating expenses and $0.5 million in office property, equipment and software expenses. The decrease in salaries and employee benefits is primarily related to decreases in staffing and accruals for discretionary incentive payments. FDIC premiums increased due to growth in deposits and a two basis point increase in FDIC assessment rates that went into effect on January 1, 2023. The increase in other operating expenses was mainly due to increases in loan subsidy and down payment assistance programs. These programs expand opportunities for borrowers, particularly those working with our community housing partners, to obtain home financing.

Total assets increased by $99.2 million, or 1%, to $17.02 billion at March 31, 2024 from $16.92 billion at September 30, 2023. The increase was mainly the result of an increases in cash and cash equivalents partially offset by a decrease in loans held for investment.

Cash and cash equivalents increased $127.6 million, or 27%, to $594.3 million at March 31, 2024 from $466.7 million at September 30, 2023 due to normal fluctuations and liquidity management.

Loans held for investment, net of allowance and deferred loan expenses, decreased $16.1 million, or less than 1%, to $15.15 billion at March 31, 2024 from $15.17 billion at September 30, 2023. The residential mortgage loan portfolio decreased $307.4 million, to $11.77 billion, and home equity loans and lines of credit increased $289.1 million, to $3.32 billion. Loans originated and purchased during the six months ended March 31, 2024 included $408.8 million of residential mortgage loans and $915.4 million of equity loans and lines of credit compared to $821.9 million of residential mortgage loans and $720.0 million of equity loans and lines of credit originated or purchased during the six months ended March 31, 2023. The decrease in

mortgage loan originations was primarily due to a relatively high interest rate environment, resulting in minimal refinance activity. New mortgage loans included 93% purchases and 24% adjustable rate loans during the six months ended March 31, 2024. There were $115.4 million of long-term fixed-rate mortgage loans sold during the six months ended March 31, 2024.

Deposits increased $485.8 million, or 5%, to $9.94 billion at March 31, 2024 from $9.45 billion at September 30, 2023. The increase was the result of an $868.4 million increase in certificates of deposit, partially offset by a $194.2 million decrease in savings accounts, a $106.6 million decrease in money market deposit accounts and a $92.3 million decrease in checking accounts. There were $1.26 billion in brokered deposits at March 31, 2024 compared to $1.16 billion at September 30, 2023. At March 31, 2024, brokered deposits included $725.0 million of three-month certificates of deposit accounts, aligned with interest rate swap contracts, with a remaining weighted average effective maturity of approximately 3.0 years.

Borrowed funds decreased $318.2 million, or 6%, to $4.96 billion at March 31, 2024 from $5.27 billion at September 30, 2023. The decrease was primarily due to borrowings paid off at maturity. The total balance of borrowed funds at March 31, 2024, all from the FHLB, included $1.83 billion of term advances with a weighted average maturity of approximately 2.2 years, and $3.10 billion of term advances, aligned with interest rate swap contracts, with a remaining weighted average effective maturity of approximately 3.4 years. Additional borrowing capacity at the FHLB was $1.88 billion at March 31, 2024, available for terms less than one year.

Total shareholders' equity decreased $19.9 million, or 1%, to $1.91 billion at March 31, 2024 from $1.93 billion at September 30, 2023. Activity reflects $41.4 million of net income, a $7.9 million adjustment to retained earnings related to a change in accounting principle described above with respect to changes in the allowance for credit losses, a $42.8 million net decrease in accumulated other comprehensive income, dividends paid of $29.4 million and net positive adjustments of $3.0 million related to our stock compensation and employee stock ownership plans. The change in accumulated other comprehensive income is primarily due to a net decrease in unrealized gains and losses on swap contracts. There were no stock repurchases during the six months ended March 31, 2024. The Company's eighth stock repurchase program allows for a total of 10,000,000 shares to be repurchased, with 5,191,951 shares authorized for repurchase at March 31, 2024.

The Company declared and paid a quarterly dividend of $0.2825 per share during each of the quarters in fiscal year 2024. As a result of a mutual member vote, Third Federal Savings and Loan Association of Cleveland, MHC (the "MHC"), the mutual holding company that owns approximately 81% of the outstanding stock of the Company, was able to waive its receipt of its share of the dividend paid. Under Federal Reserve regulations, the MHC is required to obtain the approval of its members every 12 months for the MHC to waive its right to receive dividends. As a result of a July 11, 2023 member vote and the

subsequent non-objection of the Federal Reserve, the MHC has the approval to waive receipt of up to $1.13 per share of possible dividends to be declared on the Company’s common stock during the twelve months subsequent to the members’ approval (i.e., through July 11, 2024), including a total of up to $0.565 remaining. The MHC has conducted the member vote to approve the dividend waiver each of the past ten years under Federal Reserve regulations and for each of those ten years, approximately 97% of the votes cast were in favor of the waiver.

The Company operates under the capital requirements for the standardized approach of the Basel III capital framework

for U.S. banking organizations (“Basel III Rules”). At March 31, 2024 all of the Company's capital ratios substantially exceed the amounts required for the Company to be considered "well capitalized" for regulatory capital purposes. The Company's Tier 1 leverage ratio was 10.72%, its Common Equity Tier 1 and Tier 1 ratios were each 19.05% and its total capital ratio was 19.78%.

Presentation slides as of March 31, 2024 will be available on the Company's website, www.thirdfederal.com, under the Investor Relations link within the "Recent Presentations" menu, beginning May 1, 2024. The Company will not be hosting a conference call to discuss its operating results.

Third Federal Savings and Loan Association is a leading provider of savings and mortgage products, and operates under the values of love, trust, respect, a commitment to excellence and fun. Founded in Cleveland in 1938 as a mutual association by Ben and Gerome Stefanski, Third Federal’s mission is to help people achieve the dream of home ownership and financial security. It became part of a public company in 2007 and celebrated its 85th anniversary in May 2023. Third Federal, which lends in 26 states and the District of Columbia, is dedicated to serving consumers with competitive rates and outstanding service. Third Federal, an equal housing lender, has 21 full service branches in Northeast Ohio, four lending offices in Central and Southern Ohio, and 16 full service branches throughout Florida. As of March 31, 2024, the Company’s assets totaled $17.02 billion.


Forward Looking Statements
This report contains forward-looking statements, which can be identified by the use of such words as estimate, project, believe, intend, anticipate, plan, seek, expect and similar expressions. These forward-looking statements include, among other things:
●			statements of our goals, intentions and expectations;
●			statements regarding our business plans and prospects and growth and operating strategies;
●			statements concerning trends in our provision for credit losses and charge-offs on loans and off-balance sheet exposures;
●			statements regarding the trends in factors affecting our financial condition and results of operations, including credit quality of our loan and investment portfolios; and
●			estimates of our risks and future costs and benefits.

These forward-looking statements are subject to significant risks, assumptions and uncertainties, including, among other things, the following important factors that could affect the actual outcome of future events:
●			significantly increased competition among depository and other financial institutions, including with respect to our ability to charge overdraft fees;
●			inflation and changes in the interest rate environment that reduce our interest margins or reduce the fair value of financial instruments, or our ability to originate loans;
●			general economic conditions, either globally, nationally or in our market areas, including employment prospects, real estate values and conditions that are worse than expected;
●			the strength or weakness of the real estate markets and of the consumer and commercial credit sectors and its impact on the credit quality of our loans and other assets, and changes in estimates of the allowance for credit losses;
●			decreased demand for our products and services and lower revenue and earnings because of a recession or other events;
●			changes in consumer spending, borrowing and savings habits, including repayment speeds on loans;
●			adverse changes and volatility in the securities markets, credit markets or real estate markets;
●			our ability to manage market risk, credit risk, liquidity risk, reputational risk, regulatory risk and compliance risk;
●			our ability to access cost-effective funding;
●			changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio;
●			legislative or regulatory changes that adversely affect our business, including changes in regulatory costs and capital requirements and changes related to our ability to pay dividends and the ability of Third Federal Savings, MHC to waive dividends;
●			changes in accounting policies and practices, as may be adopted by the bank regulatory agencies, the FASB or the PCAOB;
●			the adoption of implementing regulations by a number of different regulatory bodies, and uncertainty in the exact nature, extent and timing of such regulations and the impact they will have on us;
●			our ability to enter new markets successfully and take advantage of growth opportunities;
●			our ability to retain key employees;
●			future adverse developments concerning Fannie Mae or Freddie Mac;
●			changes in monetary and fiscal policy of the U.S. Government, including policies of the U.S. Treasury, the Federal Reserve System, Fannie Mae, the OCC, FDIC, and others;
●			the continuing governmental efforts to restructure the U.S. financial and regulatory system;
●			the ability of the U.S. Government to remain open, function properly and manage federal debt limits;
●			changes in policy and/or assessment rates of taxing authorities that adversely affect us or our customers;
●			changes in accounting and tax estimates;
●			changes in our organization and changes in expense trends, including but not limited to trends affecting non-performing assets, charge-offs and provisions for credit losses;
●			the inability of third-party providers to perform their obligations to us;
●			our ability to retain key employees;
●			civil unrest;
●			cyber-attacks, computer viruses and other technological risks that may breach the security of our websites or other systems to obtain unauthorized access to confidential information, destroy data or disable our systems; and
●			the impact of wide-spread pandemic, including COVID-19, and related government action, on our business and the economy.
Because of these and other uncertainties, our actual future results may be materially different from the results indicated by any forward-looking statements. Any forward-looking statement made by us in this report speaks only as of the date on which it is made. We undertake no obligation to publicly update any forward-looking statements, whether as a result of new information, future developments or otherwise, except as may be required by law.

TFS FINANCIAL CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CONDITION (unaudited)

(In thousands, except share data)


	March 31, 2024		December 31, 2023		September 30, 2023
ASSETS
Cash and due from banks	$	27,381	$	45,858	$	29,134
Other interest-earning cash equivalents	566,953		505,910		437,612
Cash and cash equivalents	594,334		551,768		466,746
Investment securities available for sale	520,172		525,175		508,324


Mortgage loans held for sale	9,698		1,095		3,260
Loans held for investment, net:
Mortgage loans	15,152,032		15,210,653		15,177,844
Other loans	4,709		4,811		4,411
Deferred loan expenses, net	61,047		60,862		60,807
Allowance for credit losses on loans	(68,169)		(69,084)		(77,315)
Loans, net	15,149,619		15,207,242		15,165,747
Mortgage loan servicing rights, net	7,547		7,634		7,400
Federal Home Loan Bank stock, at cost	240,365		254,700		247,098
Real estate owned, net	230		1,070		1,444
Premises, equipment, and software, net	33,885		34,209		34,708
Accrued interest receivable	56,887		55,614		53,910
Bank owned life insurance contracts	313,458		311,848		312,072
Other assets	90,955		103,436		117,270
TOTAL ASSETS	$	17,017,150	$	17,053,791	$	16,917,979
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits	$	9,935,631	$	9,921,056	$	9,449,820
Borrowed funds	4,955,438		5,030,561		5,273,637
Borrowers’ advances for insurance and taxes	99,492		109,093		124,417
Principal, interest, and related escrow owed on loans serviced	25,946		29,204		29,811
Accrued expenses and other liabilities	93,146		97,150		112,933
Total liabilities	15,109,653		15,187,064		14,990,618
Commitments and contingent liabilities
Preferred stock, $0.01 par value, 100,000,000 shares authorized, none issued and outstanding	—		—		—
Common stock, $0.01 par value, 700,000,000 shares authorized; 332,318,750 shares issued	3,323		3,323		3,323
Paid-in capital	1,751,960		1,750,440		1,755,027
Treasury stock, at cost	(772,195)		(772,195)		(776,101)
Unallocated ESOP shares	(24,917)		(26,000)		(27,084)
Retained earnings—substantially restricted	906,908		900,973		886,984
Accumulated other comprehensive income	42,418		10,186		85,212
Total shareholders’ equity	1,907,497		1,866,727		1,927,361
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$	17,017,150	$	17,053,791	$	16,917,979

TFS FINANCIAL CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME (unaudited)

(In thousands, except share and per share data)


	For the three months ended
	March 31, 2024		December 31, 2023		September 30, 2023		June 30, 2023		March 31, 2023
INTEREST AND DIVIDEND INCOME:
Loans, including fees	$	162,970	$	162,035	$	154,763	$	144,347	$	136,835
Investment securities available for sale	4,476		4,395		4,141		3,712		3,455

Other interest and dividend earning assets	16,047		10,729		9,836		8,598		7,262
Total interest and dividend income	183,493		177,159		168,740		156,657		147,552
INTEREST EXPENSE:
Deposits	72,685		64,326		55,565		48,905		39,876
Borrowed funds	39,430		43,741		42,812		38,973		38,408
Total interest expense	112,115		108,067		98,377		87,878		78,284
NET INTEREST INCOME	71,378		69,092		70,363		68,779		69,268
PROVISION (RELEASE) FOR CREDIT LOSSES	(1,000)		(1,000)		500		—		(1,000)
NET INTEREST INCOME AFTER PROVISION (RELEASE) FOR CREDIT LOSSES	72,378		70,092		69,863		68,779		70,268
NON-INTEREST INCOME:
Fees and service charges, net of amortization	1,845		1,748		2,061		1,919		1,924
Net gain (loss) on the sale of loans	442		481		(119)		21		579
Increase in and death benefits from bank owned life insurance contracts	2,193		3,191		2,204		2,790		2,123

Other	1,242		895		954		1,113		703
Total non-interest income	5,722		6,315		5,100		5,843		5,329
NON-INTEREST EXPENSE:
Salaries and employee benefits	27,501		27,116		28,660		25,332		30,390
Marketing services	5,099		4,431		3,881		7,023		6,671
Office property, equipment and software	7,303		6,845		6,886		7,246		6,802
Federal insurance premium and assessments	4,013		3,778		3,629		3,574		3,488
State franchise tax	1,238		1,176		1,185		1,230		1,268
Other expenses	7,044		6,931		7,243		8,472		6,955
Total non-interest expense	52,198		50,277		51,484		52,877		55,574
INCOME BEFORE INCOME TAXES	25,902		26,130		23,479		21,745		20,023
INCOME TAX EXPENSE	5,189		5,423		3,933		4,142		4,115
NET INCOME	$	20,713	$	20,707	$	19,546	$	17,603	$	15,908

Earnings per share - basic and diluted	$	0.07	$	0.07	$	0.07	$	0.06	$	0.06



Weighted average shares outstanding
Basic	278,183,041		277,841,526		277,589,775		277,472,312		277,361,293
Diluted	279,046,837		279,001,898		278,826,441		278,590,810		278,499,145

TFS FINANCIAL CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME (unaudited)

(In thousands, except share and per share data)


	For the Six Months Ended
	March 31,
	2024		2023
INTEREST AND DIVIDEND INCOME:
Loans, including fees	$	325,005	$	266,500
Investment securities available for sale	8,871		6,517

Other interest and dividend earning assets	26,776		13,505
Total interest and dividend income	360,652		286,522
INTEREST EXPENSE:
Deposits	137,011		69,731
Borrowed funds	83,171		72,366
Total interest expense	220,182		142,097
NET INTEREST INCOME	140,470		144,425
PROVISION (RELEASE) FOR CREDIT LOSSES	(2,000)		(2,000)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	142,470		146,425
NON-INTEREST INCOME:
Fees and service charges, net of amortization	3,593		3,860
Net gain on the sale of loans	923		596
Increase in and death benefits from bank owned life insurance contracts	5,384		4,361

Other	2,137		1,669
Total non-interest income	12,037		10,486
NON-INTEREST EXPENSE:
Salaries and employee benefits	54,617		58,793
Marketing services	9,530		14,384
Office property, equipment and software	14,148		13,602
Federal insurance premium and assessments	7,791		6,249
State franchise tax	2,414		2,476
Other expenses	13,975		13,264
Total non-interest expense	102,475		108,768
INCOME BEFORE INCOME TAXES	52,032		48,143
INCOME TAX EXPENSE	10,612		10,042
NET INCOME	$	41,420	$	38,101





Earnings per share - basic and diluted	$	0.15	$	0.13
Weighted average shares outstanding
Basic	278,011,351		277,340,877
Diluted	279,019,468		278,472,705

TFS FINANCIAL CORPORATION AND SUBSIDIARIES

AVERAGE BALANCES AND YIELDS (unaudited)


	Three Months Ended								Three Months Ended								Three Months Ended
	March 31, 2024								December 31, 2023								March 31, 2023
	Average Balance			Interest Income/ Expense			Yield/ Cost (1)		Average Balance			Interest Income/ Expense			Yield/ Cost (1)		Average Balance			Interest Income/ Expense			Yield/ Cost (1)
	(Dollars in thousands)
Interest-earning assets:
Interest-earning cash equivalents	$	720,657		$	9,919		5.51	%	$	398,506		$	5,124		5.14	%	$	350,437		$	3,947		4.51	%
Investment securities	72,091			907			5.03	%	64,778			850			5.25	%	3,649			11			1.21	%
Mortgage-backed securities	448,653			3,569			3.18	%	444,411			3,545			3.19	%	475,902			3,444			2.89	%
Loans (2)	15,163,185			162,970			4.30	%	15,232,349			162,035			4.26	%	14,517,771			136,835			3.77	%
Federal Home Loan Bank stock	244,560			6,128			10.02	%	270,540			5,605			8.29	%	230,496			3,315			5.75	%
Total interest-earning assets	16,649,146			183,493			4.41	%	16,410,584			177,159			4.32	%	15,578,255			147,552			3.79	%
Noninterest-earning assets	505,145								553,461								527,935
Total assets	$	17,154,291							$	16,964,045							$	16,106,190
Interest-bearing liabilities:
Checking accounts	$	887,584		98			0.04	%	$	937,817		118			0.05	%	$	1,128,560		2,229			0.79	%
Savings accounts	1,561,331			5,598			1.43	%	1,721,466			6,912			1.61	%	1,668,115			5,028			1.21	%
Certificates of deposit	7,548,314			66,989			3.55	%	6,847,482			57,296			3.35	%	6,110,460			32,619			2.14	%
Borrowed funds	5,033,253			39,430			3.13	%	5,228,239			43,741			3.35	%	5,112,767			38,408			3.00	%
Total interest-bearing liabilities	15,030,482			112,115			2.98	%	14,735,004			108,067			2.93	%	14,019,902			78,284			2.23	%
Noninterest-bearing liabilities	212,206								278,801								209,161
Total liabilities	15,242,688								15,013,805								14,229,063
Shareholders’ equity	1,911,603								1,950,240								1,877,127
Total liabilities and shareholders’ equity	$	17,154,291							$	16,964,045							$	16,106,190
Net interest income				$	71,378							$	69,092							$	69,268
Interest rate spread (1)(3)							1.43	%							1.39	%							1.56	%
Net interest-earning assets (4)	$	1,618,664							$	1,675,580							$	1,558,353
Net interest margin (1)(5)				1.71		%						1.68		%						1.78		%
Average interest-earning assets to average interest-bearing liabilities	110.77		%						111.37		%						111.12		%
Selected performance ratios:
Return on average assets (1)				0.48		%						0.49		%						0.40		%
Return on average equity (1)				4.33		%						4.25		%						3.39		%
Average equity to average assets				11.14		%						11.50		%						11.65		%

(1)Annualized.

(2)Loans include both mortgage loans held for sale and loans held for investment.

(3)Interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities.

(4)Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.

(5)Net interest margin represents net interest income divided by total interest-earning assets.

TFS FINANCIAL CORPORATION AND SUBSIDIARIES

AVERAGE BALANCES AND YIELDS (unaudited)


	Six Months Ended								Six Months Ended
	March 31, 2024								March 31, 2023
	Average Balance			Interest Income/ Expense			Yield/ Cost (1)		Average Balance			Interest Income/ Expense			Yield/ Cost (1)
	(Dollars in thousands)
Interest-earning assets:
Interest-earning cash equivalents	$	559,581		$	15,043		5.38	%	$	352,325		$	7,196		4.08	%
Investment securities	68,435			1,757			5.13	%	3,634			22			1.21	%
Mortgage-backed securities	446,532			7,114			3.19	%	469,933			6,495			2.76	%
Loans (1)	15,197,767			325,005			4.28	%	14,457,228			266,500			3.69	%
Federal Home Loan Bank stock	257,550			11,733			9.11	%	224,889			6,309			5.61	%
Total interest-earning assets	16,529,865			360,652			4.36	%	15,508,009			286,522			3.70	%
Noninterest-earning assets	529,303								506,658
Total assets	$	17,059,168							$	16,014,667
Interest-bearing liabilities:
Checking accounts	$	912,701		216			0.05	%	$	1,156,728		4,639			0.80	%
Savings accounts	1,641,398			12,510			1.52	%	1,717,235			8,735			1.02	%
Certificates of deposit	7,197,898			124,285			3.45	%	6,041,692			56,357			1.87	%
Borrowed funds	5,130,746			83,171			3.24	%	4,992,956			72,366			2.90	%
Total interest-bearing liabilities	14,882,743			220,182			2.96	%	13,908,611			142,097			2.04	%
Noninterest-bearing liabilities	245,503								233,257
Total liabilities	15,128,246								14,141,868
Shareholders’ equity	1,930,922								1,872,799
Total liabilities and shareholders’ equity	$	17,059,168							$	16,014,667
Net interest income				$	140,470							$	144,425
Interest rate spread (1)(2)							1.40	%							1.66	%
Net interest-earning assets (3)	$	1,647,122							$	1,599,398
Net interest margin (1)(4)				1.70		%						1.86		%
Average interest-earning assets to average interest-bearing liabilities	111.07		%						111.50		%
Selected performance ratios:
Return on average assets (1)				0.49		%						0.48		%
Return on average equity (1)				4.29		%						4.07		%
Average equity to average assets				11.32		%						11.69		%

(1)Annualized

(2)Loans include both mortgage loans held for sale and loans held for investment.

(3)Interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities.

(4)Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.

(5)Net interest margin represents net interest income divided by total interest-earning assets.

EX-101.SCH 3 tfsl-20240430.xsd XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 0000001 - Document - Document And Entity Information link:presentationLink link:calculationLink link:definitionLink EX-101.LAB 4 tfsl-20240430_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT Security Exchange Name Security Exchange Name Title of 12(b) Security Title of 12(b) Security Written Communications Written Communications Local Phone Number Local Phone Number Trading Symbol Trading Symbol Entity Incorporation, State or Country Code Entity Incorporation, State or Country Code Entity Address, State or Province Entity Address, State or Province Pre-commencement Issuer Tender Offer Pre-commencement Issuer Tender Offer Document Period End Date Document Period End Date Cover [Abstract] Cover [Abstract] Entity Emerging Growth Company Entity Emerging Growth Company Pre-commencement Tender Offer Pre-commencement Tender Offer Soliciting Material Soliciting Material City Area Code City Area Code Entity Address, Postal Zip Code Entity Address, Postal Zip Code Document Type Document Type Amendment Flag Amendment Flag Entity Central Index Key Entity Central Index Key Entity File Number Entity File Number Entity Address, City or Town Entity Address, City or Town Entity Tax Identification Number Entity Tax Identification Number Entity Address, Address Line One Entity Address, Address Line One Entity Registrant Name Entity Registrant Name EX-101.PRE 5 tfsl-20240430_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT XML 7 R1.htm IDEA: XBRL DOCUMENT

Document And Entity Information	Jan. 30, 2024
Cover [Abstract]
Document Period End Date	Apr. 30, 2024
Document Type	8-K
Entity Registrant Name	TFS FINANCIAL CORPORATION
Entity Incorporation, State or Country Code	X1
Entity File Number	001-33390
Entity Tax Identification Number	52-2054948
Entity Address, Address Line One	7007 Broadway Ave.,
Entity Address, City or Town	Cleveland,
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	44105
City Area Code	(216)
Local Phone Number	441-6000
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Entity Emerging Growth Company	false
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	TFSL
Security Exchange Name	NASDAQ
Entity Central Index Key	0001381668
Amendment Flag	false

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