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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 Fiscal Year Results
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 results for the quarter and fiscal year ended September 30, 2023. “While increases in interest rates...
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: Buy This Stock For Solid Dividend Yield
TFS Financial Corporation has sustained solid performance despite macroeconomic headwinds, with operational efficiency and a resilient portfolio contributing to increased profit margins and high dividend payout. TFSL reported a net income of $17.6 million, up 2.65% compared to $17.1 million...
TFS Financial Corporation Announces Third Fiscal Quarter Results
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 results for the quarter and nine months ended June 30, 2023. “This year, we are celebrating...
TFS Financial: A Robust Performance Means Higher Capital Returns
TFS Financial Corporation remains impeccable with its steady revenue growth and adequate returns. Its decent financial positioning allows it to sustain its operating capacity amidst a rugged market.
TFS Financial: Don't Throw This Bank Out With The Bathwater
TFSL is a high yield bank stock that is grossly misunderstood by Mr. Market. It has also been unfairly punished by Mr. Market in the wake of the failure of the Signature and Silicon Valley Banks.
Don't Risk Your Hard-Earned Money for These 4 Toxic Stocks
Identifying toxic stocks and offloading them at the right time can help you avoid huge losses. OMCL, CCL, AY and TFSL are a few such toxic stocks that you should dump right away.
4 Toxic Stocks That May Not Let You Prosper
If you own toxic stocks for long, you are likely to see a big loss in your wealth. Stay away from toxic stocks like BALY, OMCL, AY and TFSL.
TFS Financial (TFSL) Q1 Earnings Meet Estimates
TFS Financial (TFSL) delivered earnings and revenue surprises of 0% and 1.58%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?
Source: https://incomestatements.info
Category: Stock Reports