TFS Financial CORP (TFSL) Form 10-Q — Aug 6, 2026

$TFSLForm 10-QFiled Aug 6, 2026, 4:37 PM ET0001381668-26-000039Original filing

TFS Financial Corporation (NASDAQ: TFSL) filed its fiscal Q3 2026 10-Q (quarter ended June 30, 2026), reporting net income of $30.5 million, or $0.11 per share, up 42% from $21.5 million, or $0.08, a year earlier. Nine-month net income rose 17% to $76.1 million ($0.27 EPS vs $0.23). The quarter benefited from a net $3.5 million release of credit-loss provisions, with the total allowance declining to $102.0 million and the company continuing its multi-year streak of net recoveries on legacy charged-off loans. Total assets grew to $18.1 billion while shareholders' equity rose to $1.96 billion and AOCI swung positive to $8.6 million.

Key figures

Eps: $0.11 (Q3 FY26, vs $0.08 prior year); $0.27 (9M FY26, vs $0.23)
Net Income: $30.5M (Q3 FY26, vs $21.5M prior year); $76.1M (9M FY26, vs $65.0M)
Total Debt: $5.81B borrowed funds (vs $4.87B at Sept 30, 2025)
Total Assets: $18.08B at June 30, 2026 (vs $17.46B at Sept 30, 2025)
Cash Position: $568.9M at June 30, 2026 (vs $429.4M at Sept 30, 2025)
Shares Outstanding: 280442755
Aoci: +$8.6M at June 30, 2026 (vs -$21.2M at Sept 30, 2025)
Cet1 Ratio: 16.88%
Brokered CDs: $920.5M
Heloc Balance: $4.49B
Total Deposits: $9.99B (down ~$454.5M from $10.45B at Sept 30, 2025)
Income Before Taxes: $38.7M (Q3); $97.0M (9M FY26)
Retail Deposit Base: $9.07B, 95.6% under FDIC $250,000 insurance limit
Tier1 Leverage Ratio: 10.72% (Company); 9.99% (Association)
Loan Delinquency Rate: 0.27% of $16.27B loans originated or acquired
Loans Sold Nine Months: $260.3M sold or committed, primarily to Fannie Mae
Net Provision Release Q3: $3.5M net release ($2.1M loans, $1.4M off-balance-sheet)
Total Shareholders Equity: $1.96B
Quarterly Dividend Per Share: $0.2825 (held flat YoY); $0.8475 declared over nine months
Additional Borrowing Capacity: $1.85B
Total Allowance For Credit Losses: $102.0M (down from $104.9M at March 31, 2026)

Price after filing

1 day: -4.0%7 days: -4.1%30 days: -4.1%

Close on the filing date to close N calendar days later (from $18.32). Historical, not a forecast.

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