---
schema_version: "secwatch.filing_event.v1"
accession: "0001381668-24-000132"
form_type: "8-K"
ticker: "TFSL"
cik: "0001381668"
company_name: "TFS Financial CORP"
filed_at: "2024-10-30T23:59:59+00:00"
generated_at: "2026-05-30T08:08:31.443888+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# TFS Financial reports FY2024 net income $79.6M (+6% YoY); home equity loans up $855M

## Summary
- Q4 net income $18.2M vs $20.0M in Q3; net interest income $68.7M, down $0.6M.
- FY net income $79.6M ($75.3M in FY2023); net interest margin 1.69% vs 1.80% prior year.
- Home equity loans and lines of credit increased $854.8M to $3.89B; mortgage loans declined $693M.
- Total deposits grew $745M (8%) to $10.20B; retail CDs drove growth; brokered CDs $1.22B.
- Dividend maintained at $0.2825/share quarterly; Tier 1 leverage ratio 10.89% (well-capitalized).

## SEC filing metadata
- accession: 0001381668-24-000132
- form_type: 8-K
- ticker: TFSL
- cik: 0001381668
- company_name: TFS Financial CORP
- filed_at: 2024-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1381668/000138166824000132/0001381668-24-000132-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1381668/000138166824000132/tfsl-20241030.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001381668-24-000132
- JSON: https://secwatch.observer/filing/0001381668-24-000132.json
- Plain text: https://secwatch.observer/filing/0001381668-24-000132.txt

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