Third Federal S&L (also known as TFSL, Third Federal Savings and Loan, Third Federal of Cleveland, Third Federal Savings and Loan Association of Cleveland, or simply Third Federal) is a major savings and loan association in Cleveland, Ohio, founded in 1938 amid the Great Depression as Cleveland was the 5th largest city at the time with many young homeowners, before the United States entry into World War II. It does business in Ohio, Florida, California, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Hampshire, New Jersey, New York, North Carolina, Oregon, Pennsylvania, Tennessee, Virginia, Washington, and Wisconsin
| trading_symbol | registrant_name | time | price | change | percentage_change |
|---|---|---|---|---|---|
| TFSL | TFS Financial CORP | 2025-10-16 17:44:02 | 12.92 | 0.25 | 1.97 |
| trading_symbol | central_index_key | registrant_name | isin_number | lei_number | ein_number | exchange | sic_code | sic_description | fiscal_year_end | state_of_incorporation | address_street | address_city | address_state | address_zip_code | address_country | address_country_code | phone_number | mailing_address | business_address | former_name | industry | founding_date | chief_executive_officer | number_of_employees | website | market_cap | shares_issued | shares_outstanding | description | update_time |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| TFSL | 0001381668 | TFS Financial CORP | US87240R1077 | — | 522054948 | Nasdaq | 6035 | Savings Institution, Federally Chartered | 0930 | DE | 7007 BROADWAY AVENUE | CLEVELAND | OH | 44105 | UNITED STATES | US | (216) 441-6000 | 7007 BROADWAY AVENUE, CLEVELAND, OH, 44105 | 7007 BROADWAY AVENUE, CLEVELAND, OH, 44105 | — | Financial services | 1938 | Marc A. Stefanski | 1,005 | http://thirdfederal.com/ | 652,630,000 | 332,318,750 | 280,688,024 | Third Federal S&L (also known as TFSL, Third Federal Savings and Loan, Third Federal of Cleveland, Third Federal Savings and Loan Association of Cleveland, or simply Third Federal) is a major savings and loan association in Cleveland, Ohio, founded in 1938 amid the Great Depression as Cleveland was the 5th largest city at the time with many young homeowners, before the United States entry into World War II. It does business in Ohio, Florida, California, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Hampshire, New Jersey, New York, North Carolina, Oregon, Pennsylvania, Tennessee, Virginia, Washington, and Wisconsin | 2025-10-10 20:20:12 |
| Fiscal Year | Market Cap | Change In Market Cap | Percentage Change In Market Cap | Shares Outstanding | Change In Shares Outstanding | Percentage Change In Shares Outstanding |
|---|---|---|---|---|---|---|
| 2024 | 652,630,000 | 660,000 | 0.1012 | 280,710,854 | 351,681 | 0.1254 |
| 2023 | 651,970,000 | -216,460,000 | -24.9254 | 280,359,173 | -48,568 | -0.0173 |
| 2022 | 868,430,000 | -191,570,000 | -18.0726 | 280,407,741 | -359,221 | -0.1279 |
| Executive Name | Executive Position | Fiscal Year | Salary | Bonus | Stock Awards | Incentive Plan Compensation | Other Compensation | Total Compensation |
|---|---|---|---|---|---|---|---|---|
| Meredith S. Weil | Chief Operating Officer | 2014 | 450,000 | 0 | 48,888 | 535,129 | 52,253 | 1,189,765 |
| Terence C. Paulett | Chief Risk Officer | 2014 | 320,000 | 0 | 48,888 | 416,174 | 13,974 | 901,662 |
| Marc A. Stefanski | Chief Executive Officer, President | 2014 | 1,080,000 | 0 | 484,224 | 1,605,044 | 227,269 | 4,425,278 |
| David S. Huffman | Chief Financial Officer, Secretary | 2014 | 400,000 | 0 | 48,888 | 475,479 | 53,518 | 1,094,726 |
| Ralph M. Betters | Chief Information Officer | 2013 | 372,265 | 0 | 54,694 | 449,792 | 66,094 | 1,134,153 |
| Fiscal Year | Employee Count |
|---|---|
| 2024 | 995 |
| 2023 | 1,025 |
| 2022 | 1,025 |
| Fiscal Year | 2024 | 2023 | 2022 |
|---|---|---|---|
| Revenue | 30,000 | 30,000 | 30,000 |
| Cost Of Revenue | — | — | — |
| Gross Profit | — | — | — |
| Research And Development Expenses | — | — | — |
| General And Administrative Expenses | — | — | — |
| Operating Expenses | — | — | — |
| Operating Income | — | — | — |
| Net Income | 79,588,000 | 75,250,000 | 74,565,000 |
| Earnings Per Share Basic | 0.28 | 0.27 | 0.26 |
| Earnings Per Share Diluted | 0.28 | 0.26 | 0.26 |
| Weighted Average Shares Outstanding Basic | 278,178,496 | 277,436,382 | 277,370,762 |
| Weighted Average Shares Outstanding Diluted | 279,143,524 | 278,583,454 | 278,686,365 |
| Fiscal Year | 2024 | 2023 | 2022 |
|---|---|---|---|
| Cash And Cash Equivalents | 26,287,000 | 29,134,000 | 18,961,000 |
| Marketable Securities Current | — | — | — |
| Accounts Receivable | — | — | — |
| Inventories | — | — | — |
| Non Trade Receivables | — | — | — |
| Other Assets Current | — | — | — |
| Total Assets Current | — | — | — |
| Marketable Securities Non Current | — | — | — |
| Property Plant And Equipment | 33,187,000 | 34,708,000 | 34,531,000 |
| Other Assets Non Current | — | — | — |
| Total Assets Non Current | — | — | — |
| Total Assets | 17,090,785,000 | 16,917,979,000 | 15,789,879,000 |
| Accounts Payable | — | — | — |
| Deferred Revenue | — | — | — |
| Short Term Debt | 840,000,000 | 1,417,000,000 | 2,225,182,000 |
| Other Liabilities Current | — | — | — |
| Total Liabilities Current | — | — | — |
| Long Term Debt | — | — | — |
| Other Liabilities Non Current | — | — | — |
| Total Liabilities Non Current | — | — | — |
| Total Liabilities | 15,228,161,000 | 14,990,618,000 | 13,945,540,000 |
| Common Stock | 3,323,000 | 3,323,000 | 3,323,000 |
| Retained Earnings | 915,489,000 | 886,984,000 | 870,047,000 |
| Accumulated Other Comprehensive Income | -15,608,000 | 85,212,000 | 23,149,000 |
| Total Shareholders Equity | 1,862,624,000 | 1,927,361,000 | 1,844,339,000 |
| Fiscal Year | 2024 | 2023 | 2022 |
|---|---|---|---|
| Depreciation And Amortization | 4,615,000 | 4,921,000 | 5,393,000 |
| Share Based Compensation Expense | 9,503,000 | 10,000,000 | 11,009,000 |
| Other Non Cash Income Expense | — | — | — |
| Change In Accounts Receivable | — | — | — |
| Change In Inventories | — | — | — |
| Change In Non Trade Receivables | — | — | — |
| Change In Other Assets | — | — | — |
| Change In Accounts Payable | — | — | — |
| Change In Other Liabilities | 223,000 | -273,000 | 48,000 |
| Cash From Operating Activities | 88,600,000 | 90,722,000 | 38,929,000 |
| Purchases Of Marketable Securities | 133,525,000 | 144,663,000 | 250,022,000 |
| Sales Of Marketable Securities | 141,716,000 | 83,567,000 | 163,568,000 |
| Acquisition Of Property Plant And Equipment | 3,064,000 | 5,101,000 | 2,700,000 |
| Acquisition Of Business | — | — | — |
| Other Investing Activities | -4,053,000 | -2,299,000 | -1,278,000 |
| Cash From Investing Activities | -124,709,000 | -1,008,631,000 | -1,875,095,000 |
| Tax Withholding For Share Based Compensation | 1,925,000 | 978,000 | 1,241,000 |
| Payments Of Dividends | 58,981,000 | 58,313,000 | 58,175,000 |
| Issuance Of Common Stock | — | — | — |
| Repurchase Of Common Stock | 1,925,000 | 5,978,000 | 6,290,000 |
| Issuance Of Long Term Debt | 725,000,000 | 350,000,000 | 600,000,000 |
| Repayment Of Long Term Debt | 427,322,000 | 77,876,000 | 3,646,000 |
| Other Financing Activities | — | — | — |
| Cash From Financing Activities | 33,081,000 | 1,015,091,000 | 1,717,404,000 |
| Change In Cash | -3,028,000 | 97,182,000 | -118,762,000 |
| Cash At End Of Period | 26,287,000 | 29,134,000 | 18,961,000 |
| Income Taxes Paid | 15,681,000 | 21,776,000 | 39,602,000 |
| Interest Paid | 278,458,000 | 328,352,000 | 141,937,000 |
| Fiscal Year | 2024 | 2023 | 2022 |
|---|---|---|---|
| Earnings Per Share | 0.28 | 0.27 | 0.26 |
| Price To Earnings Ratio | 45.9286 | 43.7778 | 50 |
| Earnings Growth Rate | 3.7037 | 3.8462 | -10.3448 |
| Price Earnings To Growth Ratio | 12.4007 | 11.3822 | -4.8333 |
| Book Value Per Share | 6.6958 | 6.947 | 6.6494 |
| Price To Book Ratio | 1.9206 | 1.7014 | 1.9551 |
| Ebitda | 378,342,000 | 430,299,000 | 261,497,000 |
| Enterprise Value | — | — | — |
| Dividend Yield | 0.0165 | 0.0178 | 0.0161 |
| Dividend Payout Ratio | 0.7411 | 0.7749 | 0.7802 |
| Debt To Equity Ratio | — | — | — |
| Capital Expenditures | 3,094,000 | 5,098,000 | 2,504,000 |
| Free Cash Flow | 85,506,000 | 85,624,000 | 36,425,000 |
| Return On Equity | 0.0427 | 0.039 | 0.0404 |
| One Year Beta | 0.7678 | 0.8838 | 0.5524 |
| Three Year Beta | 0.6911 | 0.6674 | 0.7504 |
| Five Year Beta | 0.7669 | 0.7255 | 0.696 |
| Insider Name | Relationship To Issuer | Transaction Date | Amount Of Securities | Acquired Or Disposed | Securities Owned Following Transaction |
|---|---|---|---|---|---|
| Weir Daniel F | Director | 2025-09-11 | 3,900 | D | 14,941 |
| WEIL MEREDITH S | Director, Chief Financial Officer | 2025-09-02 | 15,000 | D | 63,527 |
| Stefanski Marc A | Director, Chairman, President and CEO | 2025-08-29 | 7,200 | D | 0 |
| Asher Anthony J | Director | 2025-08-21 | 37,675 | A | 37,675 |
| Anderson Barbara J. | Director | 2025-08-15 | 12,000 | D | 2,100 |
| Investor Name | Period Of Report | Market Value | Amount Of Securities | Price Per Security |
|---|---|---|---|---|
| Capital Advisors, Ltd. LLC | 2025-09-30 | 146,000 | 11,099 | 13.1543 |
| CWM, LLC | 2025-09-30 | 44,000 | 3,306 | 13.3091 |
| Inspire Investing, LLC | 2025-09-30 | 455,209 | 34,551 | 13.175 |
| PRIVATE TRUST CO NA | 2025-09-30 | 6,614 | 502 | 13.1753 |
| DiNuzzo Private Wealth, Inc. | 2025-09-30 | 310 | 22 | 14.0909 |
| Registrant Name | Period Of Report | Fund Name | Fund Symbol | Amount Of Units | Value In Usd | Percentage Value Compared To Assets |
|---|---|---|---|---|---|---|
| Direxion Shares ETF Trust | 2025-07-31 | Direxion Daily Regional Banks Bull 3X Shares | DPST | 54,377 | 712,882.47 | 0.1133 |
| Advisors' Inner Circle Fund III | 2025-07-31 | I Shares | KCXIX | 234 | 3,067.74 | 0.0013 |
| INVESCO EXCHANGE-TRADED FUND TRUST | 2025-07-31 | Invesco RAFI US 1500 Small-Mid ETF | PRFZ | 54,426 | 713,524.86 | 0.0301 |
| Global X Funds | 2025-07-31 | Global X SuperDividend U.S. ETF | DIV | 1,013,342 | 13,284,913.62 | 2.0542 |
| BNY Mellon ETF Trust | 2025-07-31 | BNY Mellon US Small Cap Core Equity ETF | BKSE | 1,771 | 23,217.81 | 0.0364 |