TFS Financial CORP (TFSL)

13.47 -0.66 (-4.67%)

As of 2025-12-02 08:00:09 EST

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

Traded asNasdaq: TFSL
ISINUS87240R1077
CIK0001381668
LEI—
EIN522054948
SectorFinancial services
IndustrySavings Institution, Federally Chartered
CEOMarc A. Stefanski
Employees1,005
Fiscal Year End0930
Address7007 BROADWAY AVENUE, CLEVELAND, OH, 44105
Phone(216) 441-6000
Websitehttp://thirdfederal.com/
Stock Quotes
trading_symbolregistrant_nametimepricechangepercentage_change
TFSLTFS Financial CORP2025-12-02 08:00:0913.47-0.66-4.67
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Company Information
trading_symbolcentral_index_keyregistrant_nameisin_numberlei_numberein_numberexchangesic_codesic_descriptionfiscal_year_endstate_of_incorporationaddress_streetaddress_cityaddress_stateaddress_zip_codeaddress_countryaddress_country_codephone_numbermailing_addressbusiness_addressformer_nameindustryfounding_datechief_executive_officernumber_of_employeeswebsitemarket_capshares_issuedshares_outstandingdescriptionupdate_time
TFSL0001381668TFS Financial CORPUS87240R1077—522054948Nasdaq6035Savings Institution, Federally Chartered0930DE7007 BROADWAY AVENUECLEVELANDOH44105UNITED STATESUS(216) 441-60007007 BROADWAY AVENUE, CLEVELAND, OH, 441057007 BROADWAY AVENUE, CLEVELAND, OH, 44105—Financial services1938Marc A. Stefanski1,005http://thirdfederal.com/647,700,000332,318,750280,513,055Third 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 Wisconsin2025-11-27 16:07:19
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TFSL Stock Price (End-of-Day)
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TFSL Stock Price (1-Minute)
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Market Cap
Fiscal YearMarket CapChange In Market CapPercentage Change In Market CapShares OutstandingChange In Shares OutstandingPercentage Change In Shares Outstanding
2025647,700,000-4,930,000-0.7554280,513,055-197,799-0.0705
2024652,630,000660,0000.1012280,710,854351,6810.1254
2023651,970,000-216,460,000-24.9254280,359,173-48,568-0.0173
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Executive Compensation
Executive NameExecutive PositionFiscal YearSalaryBonusStock AwardsIncentive Plan CompensationOther CompensationTotal Compensation
Meredith S. WeilChief Operating Officer2014450,000048,888535,12952,2531,189,765
Terence C. PaulettChief Risk Officer2014320,000048,888416,17413,974901,662
Marc A. StefanskiChief Executive Officer, President20141,080,0000484,2241,605,044227,2694,425,278
David S. HuffmanChief Financial Officer, Secretary2014400,000048,888475,47953,5181,094,726
Ralph M. BettersChief Information Officer2013372,265054,694449,79266,0941,134,153
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Employee Count
Fiscal YearEmployee Count
2025958
2024995
20231,025
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Income Statements
Fiscal Year202520242023
Revenue37,00030,00030,000
Cost Of Revenue———
Gross Profit———
Research And Development Expenses———
General And Administrative Expenses———
Operating Expenses———
Operating Income———
Net Income90,959,00079,588,00075,250,000
Earnings Per Share Basic0.320.280.27
Earnings Per Share Diluted0.320.280.26
Weighted Average Shares Outstanding Basic278,715,769278,178,496277,436,382
Weighted Average Shares Outstanding Diluted279,758,525279,143,524278,583,454
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Balance Sheet Statements
Fiscal Year202520242023
Cash And Cash Equivalents24,176,00026,287,00029,134,000
Marketable Securities Current———
Accounts Receivable———
Inventories———
Non Trade Receivables———
Other Assets Current———
Total Assets Current———
Marketable Securities Non Current———
Property Plant And Equipment40,022,00033,187,00034,708,000
Other Assets Non Current———
Total Assets Non Current———
Total Assets17,456,316,00017,090,785,00016,917,979,000
Accounts Payable———
Deferred Revenue———
Short Term Debt1,198,115,000840,000,0001,417,000,000
Other Liabilities Current———
Total Liabilities Current———
Long Term Debt———
Other Liabilities Non Current———
Total Liabilities Non Current———
Total Liabilities15,562,392,00015,228,161,00014,990,618,000
Common Stock3,323,0003,323,0003,323,000
Retained Earnings946,776,000915,489,000886,984,000
Accumulated Other Comprehensive Income-21,231,000-15,608,00085,212,000
Total Shareholders Equity1,893,924,0001,862,624,0001,927,361,000
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Cash Flow Statements
Fiscal Year202520242023
Depreciation And Amortization4,620,0004,615,0004,921,000
Share Based Compensation Expense9,646,0009,503,00010,000,000
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 Liabilities225,000223,000-273,000
Cash From Operating Activities82,419,00088,600,00090,722,000
Purchases Of Marketable Securities160,342,000133,525,000144,663,000
Sales Of Marketable Securities170,342,000141,716,00083,567,000
Acquisition Of Property Plant And Equipment11,453,0003,064,0005,101,000
Acquisition Of Business———
Other Investing Activities-2,927,000-4,053,000-2,299,000
Cash From Investing Activities-383,982,000-124,709,000-1,008,631,000
Tax Withholding For Share Based Compensation776,0001,925,000978,000
Payments Of Dividends59,672,00058,981,00058,313,000
Issuance Of Common Stock———
Repurchase Of Common Stock3,977,0001,925,0005,978,000
Issuance Of Long Term Debt225,000,000725,000,000350,000,000
Repayment Of Long Term Debt427,000,000427,322,00077,876,000
Other Financing Activities———
Cash From Financing Activities267,284,00033,081,0001,015,091,000
Change In Cash-34,279,000-3,028,00097,182,000
Cash At End Of Period24,176,00026,287,00029,134,000
Income Taxes Paid16,480,00015,681,00021,776,000
Interest Paid292,694,000278,458,000328,352,000
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Key Metrics
Fiscal Year202520242023
Earnings Per Share0.320.280.27
Price To Earnings Ratio41.171945.928643.7778
Earnings Growth Rate14.28573.70373.8462
Price Earnings To Growth Ratio2.88212.400711.3822
Book Value Per Share6.79526.69586.947
Price To Book Ratio1.93891.92061.7014
Ebitda404,753,000378,342,000430,299,000
Enterprise Value———
Dividend Yield0.01630.01650.0178
Dividend Payout Ratio0.6560.74110.7749
Debt To Equity Ratio———
Capital Expenditures11,455,0003,094,0005,098,000
Free Cash Flow70,964,00085,506,00085,624,000
Return On Equity0.0480.04270.039
One Year Beta0.62330.76780.8838
Three Year Beta0.74240.69110.6674
Five Year Beta0.67090.76690.7255
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Insider Transactions
Insider NameRelationship To IssuerTransaction DateAmount Of SecuritiesAcquired Or DisposedSecurities Owned Following Transaction
Zbanek Cathy WChief Synergy Officer2025-11-2512,400A12,400
WEIL MEREDITH SDirector, Chief Financial Officer2025-11-2512,700A12,700
Mulhern Timothy WChief Innovation Officer2025-11-255,700A5,700
Stefanski Marc ADirector, Chairman, President and CEO2025-11-2520,400A20,400
Rubino Andrew JChief Operating Officer2025-11-259,800A9,800
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Institutional Holdings
Investor NamePeriod Of ReportMarket ValueAmount Of SecuritiesPrice Per Security
EQUITEC PROPRIETARY MARKETS, LLC2025-09-3060,2624,57413.1749
JPMORGAN CHASE & CO2025-09-30355,06626,95013.175
Bell Investment Advisors, Inc2025-09-304883713.1892
Advisory Services Network, LLC2025-09-303,97930213.1755
Kestra Investment Management, LLC2025-09-302,812,626213,48213.175
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Mutual Fund Holdings
Registrant NamePeriod Of ReportFund NameFund SymbolAmount Of UnitsValue In UsdPercentage Value Compared To Assets
GABELLI EQUITY SERIES FUNDS INC2025-09-30Class IGACIX16,000210,8000.0114
GABELLI EQUITY SERIES FUNDS INC2025-09-30CLASS CGCCSX16,000210,8000.0114
GABELLI EQUITY SERIES FUNDS INC2025-09-30CLASS AAAGABSX16,000210,8000.0114
GABELLI EQUITY SERIES FUNDS INC2025-09-30CLASS AGCASX16,000210,8000.0114
Voya VARIABLE PORTFOLIOS INC2025-09-30Class S2IRMTX2,55333,635.780.0054
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