earnings
confidence high
sentiment positive
materiality 0.65
TFS Financial Q2 net income $21M; NIM improves to 1.75%; H1 net income up 5% to $43.4M
TFS Financial CORP
2025-Q2 EPS
reported $0.15
vs consensus $0.08
▲ beat
(+83.8%)
- Q2 net income $21.0M (vs $22.4M prior Q); H1 net income $43.4M vs $41.4M YoY, up 5%.
- Net interest income Q2 $72.0M (+5.4% QoQ); net interest margin +9 bps to 1.75%.
- Loan origination commitments surged 40% QoQ; deposits +$190M QoQ to $10.40B.
- Provision for credit losses of $1.5M in Q2 vs $1.5M release in prior quarter.
- Well-capitalized: Tier 1 leverage 10.92%; no share repurchases; quarterly dividend $0.2825.