---
schema_version: "secwatch.filing_event.v1"
accession: "0001381668-25-000093"
form_type: "8-K"
ticker: "TFSL"
cik: "0001381668"
company_name: "TFS Financial CORP"
filed_at: "2025-07-30T23:59:59+00:00"
generated_at: "2026-05-17T22:56:18.352096+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# TFS Financial Q3 net income $21.5M; net interest margin rises to 1.81%

## Summary
- Net income of $21.5M for June 30, 2025 quarter vs. $21.0M prior quarter; net interest income up 4.2% to $75.0M.
- Net interest margin improved 6 bps to 1.81%, a nine-quarter high; interest rate spread 1.50%.
- Home equity loans and lines of credit grew $260.9M in quarter to $4.58B; total loans held for investment $15.60B.
- Deposits $10.34B, down $56.1M; borrowed funds increased $295.7M to $4.88B, primarily to fund loan growth.
- MHC members approved dividend waiver up to $1.13/share through July 8, 2026; 57,500 shares repurchased at avg $12.87.

## SEC filing metadata
- accession: 0001381668-25-000093
- form_type: 8-K
- ticker: TFSL
- cik: 0001381668
- company_name: TFS Financial CORP
- filed_at: 2025-07-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1381668/000138166825000093/0001381668-25-000093-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1381668/000138166825000093/tfsl-20250730.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001381668-25-000093
- JSON: https://secwatch.observer/filing/0001381668-25-000093.json
- Plain text: https://secwatch.observer/filing/0001381668-25-000093.txt

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