Tfs Financial Corporation · NASDAQ:TFSL
Tfs Financial — Q3 FY2025 Earnings Presentation
13 slides from Tfs Financial's earnings presentation, Jul 30, 2025
Slide 1: For the quarter ended June 30, 2025
For the quarter ended June 30, 2025
Slide 2: TFS Financial Corporation Overview
TFS Financial Corporation® Overview 1938 Founded by Ben and Gerome Stefanski, parents of our current Chairman and CEO, Marc Stefanski 1997 Organized as a mid‐tier stock holding company to own 100% of Third Federal Savings and Loan 2007 First step minority stock offering. Listed as TFSL on NASDAQ Apr
Slide 3: TFSL Stock Ownership – Why Invest?
TFSL Stock Ownership – Why Invest? 3
Slide 4: Our Disciplined Strategy Drives Our Results
Our Disciplined Strategy Drives Our Results Strategic Overview 4
Slide 5: Capital & Performance Highlights
Capital & Performance Highlights Nine Months \‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐Fiscal Year End (as of 09/30)‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐/ Ended 6/30/25 2024 2023 2022 2021 2020 Net Income (in 000s) $ 64,960 $ 79,588 $ 75,250 $ 74,565 $ 81,007 $ 83,317 Earnings Per Share: ‐GAAP (in
Slide 6: Capital Deployment
Capital Deployment * Dividends, managed portfolio growth, and strategic share repurchases will represent the focus for future capital deployment. * $384.2 million in First Mortgages, $575.9 million in Home Equity Lines of Credit, and $102.7 million in Equity and Bridge Loans were originated and acqu
Slide 7: Financial Highlights
Financial Highlights (Dollars in Thousands) As of or for the three months ended As of or for the fiscal year ended 6/30/2025 3/31/2025 12/31/2024 9/30/2024 9/30/2023 Balance Sheet Assets ($) 17,375,666 17,111,720 17,057,586 17,090,785 16,917,726 Net loans, including held for sale ($) 15,591,275 15,3
Slide 8: Loan Performance & Originations
Loan Performance & Originations 8
Slide 9: Loan Composition by Product and State
Loan Composition by Product and State 9
Slide 10: Strong Deposit Funding Base Supplemented by Wholesale Borrowings
Strong Deposit Funding Base Supplemented by Wholesale Borrowings Deposit Composition Borrowings Composition $810,629 8% $1,244,427 12% $1,553,693 $1,435,163 Checking 29% 12 months or less 32% Savings 13 to 36 months CDs 37 months or more $8,271,633 80% $1,876,162 39% Weighted Avg Weighted Avg 1 1,2
Slide 11: Historical Deposit Balances and Cost of Funds
Historical Deposit Balances and Cost of Funds Deposit Balances and Cost of Funds since first FOMC rate hike (March 2022) $12,000 4.00% $10,378 $10,327 $10,172 $10,186 3.50% $9,903 $9,915 $10,004 $10,000 $9,439 $9,156 3.36% $8,807 $8,921 $9,014 $8,997 $9,064 3.31% 3.19% 3.00% 3.09% 3.05% 2.93% 2.96%
Slide 12: ARM Interest Rate Reset Outlook
ARM Interest Rate Reset Outlook 12
Slide 13: Forward-Looking Statements
Forward-Looking Statements This presentation contains forward‐looking statements, which can be identified by the use of such words as estimate, project, believe, intend, anticipate, plan, seek, expect and similar expressions. These forward‐looking statements include, among other things: ● statements