{"schema_version":"secwatch.filing_event.v1","accession":"0001381668-22-000113","form_type":"8-K","ticker":"TFSL","cik":"0001381668","company_name":"TFS Financial CORP","filed_at":"2022-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:50.381593+00:00","generated_at":"2026-06-22T23:52:22.081909+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"TFS Financial reports FY2022 net income $74.6M, down from $81.0M; loan growth $1.7B","bullets":["Net income $74.6M ($1.13 annual dividend) vs $81.0M prior year; net interest income up 15% to $267.4M.","Loan growth $1.7B; total assets $15.79B, up 12%; net interest margin 1.88% vs 1.66%.","Provision for credit losses $1.0M vs $9.0M release prior year; net loan recoveries $9.7M.","Borrowed funds up 55% to $4.79B to fund loan growth; deposits essentially flat at $8.92B.","All capital ratios exceed well-capitalized levels; MHC dividend waiver approved through July 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001381668-22-000113","json":"https://secwatch.observer/filing/0001381668-22-000113.json","markdown":"https://secwatch.observer/filing/0001381668-22-000113.md","text":"https://secwatch.observer/filing/0001381668-22-000113.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1381668/000138166822000113/0001381668-22-000113-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1381668/000138166822000113/tfsl-20221027.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T23:52:22.081909+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"fbbab158c2fee00ebc78a9a1b03c568499eb8f24","claim":"TFS Financial CORP reported the three months and fiscal year ended September 30, 2022 results: net income $74.6 million.","evidence_excerpt":"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, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1381668/000138166822000113/0001381668-22-000113-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months and fiscal year ended September 30, 2022"},{"label":"Net income","value":"$74.6 million"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}