TFSL's Quality Score rose 3 points on Mon, Nov 2, to 11.
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Up 34% in a year while the S&P 500 rose 12%.
“This increase reflected higher net interest income, a release of provision for credit losses”
| The company | Profit up 23% to $102M |
| Latest filing | 8-K, Oct 29 |
After its last 4 reports it closed +0.7% on average, higher 2 of 4 times.
Above Averagefor quality, not price, 6 of 14 chart checks firingWhat the Quality Score means
Well above its recent run. TFSL scores 11 today, against a median of 7 over its last 20 recorded sessions.
TFSL is #48 of 167 by Quality Score.
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Cash and short-term investments: TFSL $569M, CLBK $1.09B.
Expected to report Thu Jan 28, after the close (in 87 days). Expected.
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
A profit of $0.09 a share, from $0.09.
“The increase reflected $29.1 million of additional net interest income, a $5.0 million favorable change in the provision for credit losses and a $1.2 million increase in non-interest income, partially offset by a $21.1 million increase in non-interest expense.”
TFSL's results filing gives no sales by line in a table we read.
No outlook figures read from this release.
“The change reflected higher net interest income offset by an unfavorable change in the provision for credit losses, a decrease in non-interest income and an increase in non-interest expense.”
From its results filing (SEC filing · Oct 29)
| Reported | Gap | Reaction | 5 sessions |
|---|---|---|---|
| Oct 29, 2026 | -0.2% | -2.0% | open |
| Jul 30, 2026 | +3.1% | +2.0% | -1.1% |
| Apr 30, 2026 | -0.1% | -0.1% | +0.1% |
Its dividends come to 412% of its free cash flow.
| Dividend | $1.27 a share a year |
| Paid out | About $356M a year |
| Free cash flow | $86.3M |
| Record | Raised in the last year |
One insider bought $529K across 3 filings, and 8 insiders sold $1.4M across 12 filings, in the last 6 months. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: TFSL is under 0.1% of VYM and under 0.1% of VTI, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jun 30 to Jul 31, 2026.
TFS Financial Corp is the holding company for the Third Federal Savings and Loan Association of Cleveland. The company's ownership in the savings and loan association is its primary business activity. The association's principal business consists of originating and servicing residential real estate mortgage loans and attracting retail savings deposits. It does so by offering products with competitive rates and yields. The company also operates Third Capital, a wholly owned subsidiary that serves as a holding company or as an investor in vehicles such as private equity funds. Third Capital has interests in lease transactions of commercial buildings, title agencies providing escrow and settlement services, and reinsurance of private mortgage insurance on residential loans.
TFSL scores 11 today, which Breakaway calls Above Average. It is #48 of 167 in Banks by Quality Score, with 6 of 14 chart checks firing. Up 34% in a year while the S&P 500 rose 12%. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
TFSL scores 11 today, which Breakaway calls Above Average (11 to 14). That is #48 of 167 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind TFSL's 11.
One insider bought $529K across 3 filings, and 8 insiders sold $1.4M across 12 filings, in the last 6 months. The newest is Bradley T. Stefanski, Chief Strategy Officer, who sold $169K on Sep 11. Every filing, with the scored weight, for Pro members.
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