---
schema_version: "secwatch.filing_event.v1"
accession: "0001381668-22-000088"
form_type: "8-K"
ticker: "TFSL"
cik: "0001381668"
company_name: "TFS Financial CORP"
filed_at: "2022-07-28T23:59:59+00:00"
generated_at: "2026-06-24T07:25:03.639021+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# TFS Financial reports Q3 net income $17.1M; loan growth $766M, margin improves

## Summary
- Net income of $17.1M for quarter ended June 30, 2022, up from $15.8M prior quarter.
- Net interest income rose 13.6% QoQ to $71.3M; interest rate spread improved to 1.86% from 1.71%.
- Loan growth of $766M, up 67% from $453M last quarter; total loans held for investment $13.9B.
- Quarterly dividend maintained at $0.2825 per share; MHC members approved dividend waiver through July 2023.
- Non-accrual loans fell to 0.27% of total loans; net recoveries continued at $2.7M for the quarter.

## SEC filing metadata
- accession: 0001381668-22-000088
- form_type: 8-K
- ticker: TFSL
- cik: 0001381668
- company_name: TFS Financial CORP
- filed_at: 2022-07-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1381668/000138166822000088/0001381668-22-000088-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1381668/000138166822000088/tfsl-20220728.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001381668-22-000088
- JSON: https://secwatch.observer/filing/0001381668-22-000088.json
- Plain text: https://secwatch.observer/filing/0001381668-22-000088.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.