TFS Financial Corporation (TFSL)

TFS Financial Income Statement

Financials in millions USD. Fiscal year is October - September.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Interest Income on Loans	706.48	663.69	565.61	395.69	381.89
Interest Income on Investments	56.7	70.39	46.31	13.64	7.46
Total Interest Income	763.18	734.07	611.92	409.33	389.35
Interest Paid on Deposits	308.76	292.73	174.2	76.94	97.32
Interest Paid on Borrowings	161.73	162.89	154.15	64.99	60.4
Total Interest Expense	470.49	455.62	328.35	141.94	157.72
Net Interest Income	292.69	278.46	283.57	267.4	231.63
Net Interest Income Growth (YoY)	5.11%	-1.80%	6.05%	15.44%	-4.39%
Other Non-Interest Income	23.44	21.96	20.93	22.67	22.22
Total Non-Interest Income	28.78	24.7	21.43	23.8	55.3
Non-Interest Income Growth (YoY)	16.51%	15.27%	-9.98%	-56.95%	3.85%
Revenues Before Loan Losses	321.47	303.16	305	291.2	286.93
Provision for Loan Losses	2.5	-1.5	-1.5	1	-9
Revenue	318.97	304.66	306.5	290.2	295.93
Revenue Growth (YoY)	4.70%	-0.60%	5.62%	-1.94%	1.17%
Salaries and Employee Benefits	109.5	98.28	102.78	98.33	95.16
Occupancy Expenses	29.35	28.31	27.73	26.78	25.71
Federal Deposit Insurance	14.17	14.57	13.45	9.36	9.09
Selling, General & Administrative	18.63	29.23	35.29	32.27	32.89
Other Non-Interest Expense	32.61	33.95	33.87	31.4	33
Total Non-Interest Expense	204.26	204.35	213.13	198.15	195.84
EBT Excluding Unusual Items	114.72	100.31	93.37	92.05	100.09
Pretax Income	114.72	100.31	93.37	92.05	100.09
Income Tax Expense	23.76	20.73	18.12	17.49	19.09
Net Income	90.96	79.59	75.25	74.57	81.01
Preferred Dividends & Other Adjustments	-	1.43	1.57	1.51	1.56
Net Income to Common	90.96	78.16	73.68	73.06	79.45
Net Income Growth	14.29%	5.76%	0.92%	-7.95%	-2.77%
Basic Shares Outstanding	279	278	277	277	277
Diluted Shares Outstanding	280	279	279	279	279
Shares Change (YoY)	0.22%	0.20%	-0.04%	0.04%	0.28%
EPS (Basic)	0.33	0.28	0.27	0.26	0.29
EPS (Diluted)	0.32	0.28	0.26	0.26	0.29
EPS Growth	14.29%	7.69%	0%	-9.45%	-0.98%
Dividend Per Share	1.130	1.130	1.130	1.130	1.123
Dividend Growth	-	-	-	0.67%	1.13%
Effective Tax Rate	20.71%	20.66%	19.40%	19.00%	19.07%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q