TFSL TFS Financial CORP

Overview and Growth

TFS Financial CORP recorded fiscal 2025 net income of $90.96M. The company reported diluted EPS of $0.32, adding a shareholder-level measure to the absolute income figures considered below. Against diluted EPS of $0.28 in fiscal 2024, the current result was 14.3% higher. Diluted shares averaged 279.76M; this is the reported share base over which the company’s diluted per-share earnings were spread. The diluted share count was 0.2% higher than fiscal 2024, when diluted shares averaged 279.14M, adding context to the EPS comparison. The bank reported $17.46B of total assets, the resource base supporting its lending, investing, and other financial activities and the basis for assessing earnings returns, capitalization, liquidity, and its shareholder-capital buffer.

Profitability

Net income was $90.96M, providing the bank’s bottom-line earnings result for the fiscal year. The earnings statement records $114.72M of pretax income, the profit base against which the reported tax provision can be assessed. Income tax expense totaled $23.76M, providing the reported tax component that separates pretax and after-tax earnings. Relative to pretax income, the tax provision measured 20.7%, quantifying the portion of pre-tax earnings paid in income tax. The relationship between net income and period-end equity was 4.8%, indicating the profitability achieved on book capital. The net-income-to-assets relationship measured 0.5%, showing earnings relative to the full balance sheet. Against $79.59M in fiscal 2024, the current $90.96M bottom line finished above the prior-year result in absolute terms. Bank earnings depend on a large financial-asset base, making bottom-line profitability and returns on book capital central to the analysis. Return on assets connects earnings to the full financial balance sheet, while return on equity shows the result relative to shareholder capital; together they separate operating scale from capitalization and clarify the relationship between them.

Liquidity and Capital Structure

Total assets were $17.46B, supported by $15.56B of liabilities and $1.89B of shareholder equity. Reported cash and equivalents were $429.44M, separating immediately recognizable cash resources from the rest of the current-asset base. Equity equaled 10.8% of assets, showing the shareholder-capital layer within the company’s balance sheet. The liabilities-to-assets relationship was 89.2%, placing reported obligations against the full positive asset balance. Cash and equivalents equaled 2.5% of total assets, showing the liquid cash component within the company’s broader resource base. The asset base changed 2.1% from $17.09B in fiscal 2024, leaving current total assets higher year over year. Against $1.86B of equity in fiscal 2024, the current book-equity balance moved 1.7% and ended higher. Compared with $463.72M in fiscal 2024, the current cash balance moved 7.4% and finished lower. The mix of equity and liabilities is central to a bank’s resilience because book capital provides the balance sheet’s principal loss-absorbing layer. Year-over-year movement in total assets shows whether the banking platform expanded or contracted, while the accompanying change in book equity shows how shareholder capital moved alongside that balance-sheet scale.

Based on the annual report for the fiscal year ending Sep 30, 2025. Analysis generated Oct 21, 2026.