See more : Crescent NV (OPTI.BR) Income Statement Analysis – Financial Results
Complete financial analysis of TFS Financial Corporation (TFSL) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of TFS Financial Corporation, a leading company in the Banks – Regional industry within the Financial Services sector.
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TFS Financial Corporation (TFSL)
About TFS Financial Corporation
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. Its deposit products include savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. The company also provides residential real estate mortgage loans, residential construction loans, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, it offers escrow and settlement services. The company provides its products and services through its main office in Cleveland, Ohio; and 37 full-service branches and 7 loan production offices located throughout the states of Ohio and Florida. The company was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 303.16M | 305.00M | 291.20M | 286.93M | 295.52M | 285.89M | 302.48M | 298.75M | 295.37M | 294.39M | 293.33M | 297.02M | 286.61M | 277.56M | 285.48M | 298.28M | 267.64M | 244.59M | 190.27M | 226.22M | 0.00 | 81.47M | 44.74M |
| Cost of Revenue | -455.62M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 758.78M | 305.00M | 291.20M | 286.93M | 295.52M | 285.89M | 302.48M | 298.75M | 295.37M | 294.39M | 293.33M | 297.02M | 286.61M | 277.56M | 285.48M | 298.28M | 267.64M | 244.59M | 190.27M | 226.22M | 0.00 | 81.47M | 44.74M |
| Gross Profit Ratio | 250.29% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 0.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 122.35M | 126.24M | 118.70M | 117.95M | 114.63M | 114.42M | 112.51M | 105.74M | 106.66M | 106.77M | 100.24M | 99.49M | 94.41M | 95.53M | 102.81M | 96.97M | 75.92M | 73.00M | 68.37M | 71.15M | 0.00 | 0.00 | 0.00 |
| Selling & Marketing | 19.73M | 25.29M | 21.26M | 19.17M | 16.51M | 19.36M | 19.25M | 19.71M | 16.96M | 19.90M | 14.26M | 12.98M | 9.80M | 7.75M | 6.04M | 7.12M | 14.15M | 13.53M | 10.94M | 6.56M | 0.00 | 0.00 | 0.00 |
| SG&A | 142.08M | 151.53M | 139.96M | 137.13M | 131.15M | 133.79M | 131.76M | 125.45M | 123.61M | 126.68M | 114.50M | 112.47M | 104.21M | 103.28M | 108.86M | 104.08M | 90.07M | 86.52M | 79.31M | 77.70M | 0.00 | 0.00 | 0.00 |
| Other Expenses | 161.08M | -363.15M | -197.17M | -323.96M | -326.42M | -317.46M | -150.97M | -160.76M | -178.59M | -198.32M | -205.73M | -211.71M | -221.56M | -188.92M | -165.74M | -125.15M | 54.31M | 57.29M | 81.26M | 20.71M | 55.47M | 247.09M | 292.00M |
| Operating Expenses | 303.16M | -211.63M | -57.21M | -186.84M | -195.27M | -183.67M | -19.21M | -35.31M | -54.98M | -71.64M | -91.23M | -99.24M | -117.36M | -85.64M | -56.88M | -21.06M | 144.37M | 143.81M | 160.57M | 98.41M | 55.47M | 247.09M | 292.00M |
| Cost & Expenses | 303.16M | -211.63M | -57.21M | -186.84M | -195.27M | -183.67M | -19.21M | -35.31M | -54.98M | -71.64M | -91.23M | -99.24M | -117.36M | -85.64M | -56.88M | -21.06M | 144.37M | 143.81M | 160.57M | 98.41M | 55.47M | 247.09M | 292.00M |
| Interest Income | 734.07M | 611.92M | 409.33M | 389.35M | 455.30M | 482.09M | 443.05M | 409.00M | 388.44M | 383.48M | 374.68M | 383.97M | 417.85M | 427.49M | 435.07M | 485.33M | 550.18M | 537.73M | 485.80M | 418.76M | 0.00 | 414.11M | 445.61M |
| Interest Expense | 455.62M | 328.35M | 141.94M | 157.72M | 213.03M | 216.67M | 162.10M | 130.10M | 118.03M | 113.35M | 103.25M | 115.42M | 155.65M | 179.85M | 210.39M | 257.15M | 330.32M | 344.52M | 289.14M | 227.62M | 0.00 | 253.20M | 306.85M |
| Depreciation & Amortization | 0.00 | 18.12M | 27.04M | 32.57M | 32.82M | 22.95M | 25.19M | 20.89M | 19.37M | 17.45M | 13.29M | 21.32M | 22.77M | 19.40M | 18.47M | 18.50M | 8.85M | 6.88M | 11.59M | 19.42M | 0.00 | 0.00 | 0.00 |
| EBITDA | 100.31M | 111.48M | 119.09M | 132.66M | 133.07M | 125.16M | 146.35M | 154.23M | 141.73M | 126.85M | 112.14M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 55.47M | 328.56M | 336.74M |
| EBITDA Ratio | 33.09% | 30.61% | 89.64% | 46.24% | 45.03% | 43.78% | 101.98% | 95.17% | 87.94% | 81.59% | 73.43% | 73.76% | 67.00% | 76.14% | 86.54% | 99.14% | 157.25% | 161.61% | 190.48% | 152.09% | 0.00% | 403.30% | 752.72% |
| Operating Income | 100.31M | 93.37M | 233.99M | 100.09M | 100.25M | 102.21M | 283.27M | 263.44M | 240.39M | 222.75M | 202.11M | 197.78M | 169.26M | 191.92M | 228.60M | 277.22M | 412.02M | 388.41M | 350.85M | 324.63M | 55.47M | 328.56M | 336.74M |
| Operating Income Ratio | 33.09% | 30.61% | 80.35% | 34.88% | 33.92% | 35.75% | 93.65% | 88.18% | 81.39% | 75.66% | 68.90% | 66.59% | 59.05% | 69.14% | 80.08% | 92.94% | 153.94% | 158.80% | 184.39% | 143.50% | 0.00% | 403.30% | 752.72% |
| Total Other Income/Expenses | 0.00 | -47.32M | -40.76M | -42.08M | -46.46M | -43.89M | -44.85M | -43.54M | -44.62M | -50.40M | -48.89M | -57.20M | -178.41M | -199.25M | -228.85M | -821.00K | 3.49M | 5.43M | 0.00 | 0.00 | 0.00 | 240.99M | 277.15M |
| Income Before Tax | 100.31M | 93.37M | 92.05M | 100.09M | 100.25M | 102.21M | 121.16M | 133.34M | 122.36M | 109.40M | 98.86M | 82.36M | 13.61M | 12.08M | 18.21M | 20.07M | 81.70M | 43.88M | 61.71M | 97.01M | 0.00 | 75.36M | 29.89M |
| Income Before Tax Ratio | 33.09% | 30.61% | 31.61% | 34.88% | 33.92% | 35.75% | 40.06% | 44.63% | 41.43% | 37.16% | 33.70% | 27.73% | 4.75% | 4.35% | 6.38% | 6.73% | 30.52% | 17.94% | 32.43% | 42.88% | 0.00% | 92.51% | 66.81% |
| Income Tax Expense | 20.73M | 18.12M | 17.49M | 19.09M | 16.93M | 21.98M | 35.76M | 44.46M | 41.81M | 36.80M | 32.97M | 26.40M | 2.13M | 2.74M | 6.87M | 5.68M | 27.21M | 18.27M | 18.17M | 32.50M | -55.47M | 23.38M | 8.05M |
| Net Income | 79.59M | 75.25M | 74.57M | 81.01M | 83.32M | 80.24M | 85.41M | 88.88M | 80.55M | 72.59M | 65.89M | 55.96M | 11.48M | 9.34M | 11.34M | 14.40M | 54.49M | 25.61M | 43.54M | 64.51M | 55.47M | 51.99M | 21.84M |
| Net Income Ratio | 26.25% | 24.67% | 25.61% | 28.23% | 28.19% | 28.07% | 28.24% | 29.75% | 27.27% | 24.66% | 22.46% | 18.84% | 4.01% | 3.37% | 3.97% | 4.83% | 20.36% | 10.47% | 22.88% | 28.52% | 0.00% | 63.81% | 48.81% |
| EPS | 0.29 | 0.27 | 0.26 | 0.29 | 0.30 | 0.29 | 0.31 | 0.32 | 0.29 | 0.25 | 0.22 | 0.19 | 0.04 | 0.03 | 0.04 | 0.05 | 0.17 | 0.10 | 0.19 | 0.22 | 0.19 | 0.23 | 0.07 |
| EPS Diluted | 0.29 | 0.26 | 0.26 | 0.29 | 0.29 | 0.28 | 0.31 | 0.32 | 0.28 | 0.25 | 0.22 | 0.18 | 0.04 | 0.03 | 0.04 | 0.05 | 0.17 | 0.10 | 0.19 | 0.22 | 0.19 | 0.23 | 0.07 |
| Weighted Avg Shares Out | 278.18M | 277.44M | 277.37M | 276.69M | 275.86M | 275.40M | 275.59M | 277.21M | 281.57M | 289.94M | 298.97M | 301.83M | 301.23M | 300.36M | 299.80M | 301.23M | 319.39M | 269.51M | 227.12M | 293.22M | 289.63M | 226.03M | 293.17M |
| Weighted Avg Shares Out (Dil) | 279.14M | 278.58M | 278.69M | 278.58M | 277.80M | 277.37M | 277.30M | 279.27M | 283.79M | 292.21M | 300.56M | 302.75M | 301.77M | 300.97M | 300.25M | 301.59M | 319.50M | 269.51M | 227.12M | 293.22M | 289.63M | 226.03M | 293.17M |
TFS Financial Corporation Declares Dividend
CLEVELAND--(BUSINESS WIRE)--TFS Financial Corporation (NASDAQ: TFSL) (the “Company”), the holding company for Third Federal Savings and Loan Association of Cleveland (the “Association”), today announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on...
TFS Financial Corporation Announces Fourth Quarter and 2024 Fiscal Year Results
CLEVELAND--(BUSINESS WIRE)--TFS Financial Corporation (NASDAQ: TFSL) (the "Company", "we", "our"), the holding company for Third Federal Savings and Loan Association of Cleveland (the "Association"), today announced results for the quarter and fiscal year ended September 30, 2024. “During the year,...
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TFS Financial Corporation Declares Dividend
CLEVELAND--(BUSINESS WIRE)--TFS Financial Corporation (NASDAQ: TFSL) (the “Company”), the holding company for Third Federal Savings and Loan Association of Cleveland (the “Association”), today announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on...
Third Federal Savings and Loan Association of Cleveland, MHC Receives Non-Objection for Dividend Waiver
CLEVELAND--(BUSINESS WIRE)--Third Federal Savings and Loan Association of Cleveland, MHC (the “MHC”) is pleased to announce that it received the non-objection of the Federal Reserve Bank of Cleveland to waive receipt of dividends on the shares of stock it owns...
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Third Federal Receives Satisfactory Rating on Community Reinvestment Act Exam
CLEVELAND--(BUSINESS WIRE)--Third Federal Savings and Loan Association of Cleveland (the “Association”), the wholly-owned subsidiary of TFS Financial Corporation (NASDAQ: TFSL) (the “Company”), is pleased to announce that it received a rating of "Satisfactory" from the Office of the Comptroller of...
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TFS Financial Corporation has a unique ownership structure with majority owners not receiving dividends, making the high payout ratio misleading. Rising interest rates had mixed effects on TFSL, increasing interest income but reducing demand for new loans and refinancing deals....
Source: https://incomestatements.info
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