TFS Financial Corporation (TFSL) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 |
|---|
| Net Interest Income | 77.81M | 75.68M | 77.32M | 74.99M | 72.05M | 68.33M | 68.72M | 69.27M | 71.38M | 69.09M | 70.36M | 68.78M | 69.27M | 75.16M | 75.51M | 71.3M | 62.74M | 57.84M | 57.4M | 57.08M |
| NII Growth % | 7.99% | 10.76% | 12.53% | 8.26% | 0.94% | -1.11% | -2.34% | 0.72% | 3.05% | -8.07% | -6.82% | -3.54% | 10.4% | 29.93% | 31.55% | 24.92% | 7.41% | -1.53% | 14.42% | -9.23% |
| Net Interest Margin % | 0.45% | 0.43% | 0.44% | 0.43% | 0.42% | 0.4% | 0.4% | 0.41% | 0.42% | 0.41% | 0.42% | 0.41% | 0.43% | 0.47% | 0.48% | 0.46% | 0.43% | 0.41% | 0.41% | 0.4% |
| Interest Income | 195.47M | 197.77M | 199.05M | 191.41M | 185.95M | 186.77M | 188.52M | 184.91M | 183.49M | 177.16M | 168.74M | 156.66M | 147.55M | 138.97M | 121.01M | 102.77M | 93.46M | 92.09M | 94.08M | 95.39M |
| Interest Expense | 117.66M | 122.09M | 121.73M | 116.41M | 113.9M | 118.44M | 119.8M | 115.63M | 112.11M | 108.07M | 98.38M | 87.88M | 78.28M | 63.81M | 45.5M | 31.47M | 30.72M | 34.25M | 36.68M | 38.31M |
| Loan Loss Provision | 0 | -1M | 1M | 1.5M | 1.5M | -1.5M | 1M | -500K | -1M | -1M | 500K | 0 | -1M | -1M | 0 | 4M | -1M | -2M | -2M | -1M |
| Non-Interest Income | 7.44M | 8.05M | 8.16M | 7.05M | 7.07M | 6.5M | 6.42M | 6.25M | 5.72M | 6.32M | 5.1M | 5.84M | 5.33M | 5.16M | 4.38M | 5.68M | 5.59M | 8.15M | 8.68M | 9.45M |
| Non-Interest Income % | 3.67% | 3.91% | 3.94% | 3.55% | 3.66% | 3.36% | 3.29% | 3.27% | 3.02% | 3.44% | 2.93% | 3.6% | 3.49% | 3.58% | 3.49% | 5.23% | 5.64% | 8.13% | 8.45% | 9.01% |
| Total Revenue | 202.91M | 205.82M | 207.21M | 198.46M | 193.02M | 193.27M | 194.94M | 191.15M | 189.22M | 183.47M | 173.84M | 162.5M | 152.88M | 144.13M | 125.39M | 108.45M | 99.05M | 100.24M | 102.76M | 104.84M |
| Revenue Growth % | 5.12% | 6.49% | 6.3% | 3.82% | 2.01% | 5.34% | 12.14% | 17.63% | 23.77% | 27.3% | 38.64% | 49.84% | 54.34% | 43.78% | 22.03% | 3.44% | -12.85% | -18.76% | -16.33% | -16.32% |
| Non-Interest Expense | 55.4M | 56.23M | 52.05M | 53.19M | 51.09M | 47.94M | 51.08M | 50.79M | 52.2M | 50.28M | 51.48M | 52.88M | 55.57M | 53.19M | 48.74M | 51.76M | 49.98M | 47.67M | 47.45M | 47.85M |
| Efficiency Ratio | 27.3% | 27.32% | 25.12% | 26.8% | 26.47% | 24.81% | 26.21% | 26.57% | 27.59% | 27.4% | 29.62% | 32.54% | 36.35% | 36.91% | 38.87% | 47.72% | 50.45% | 47.56% | 46.17% | 45.64% |
| Operating Income | 29.84M | 28.5M | 32.44M | 27.36M | 26.53M | 28.39M | 23.05M | 25.23M | 25.9M | 26.13M | 23.48M | 21.75M | 20.02M | 28.12M | 31.15M | 21.22M | 19.36M | 20.32M | 20.63M | 19.68M |
| Operating Margin % | 14.71% | 13.85% | 15.65% | 13.78% | 13.74% | 14.69% | 11.82% | 13.2% | 13.69% | 14.24% | 13.51% | 13.38% | 13.1% | 19.51% | 24.84% | 19.57% | 19.54% | 20.28% | 20.08% | 18.77% |
| Operating Income Growth % | 12.5% | 0.38% | 40.73% | 8.43% | 2.42% | 8.65% | -1.82% | 16.03% | 29.36% | -7.08% | -24.62% | 2.46% | 3.44% | 38.35% | 50.97% | 7.86% | -33.96% | -33.31% | 23.88% | -41.03% |
| Pretax Income | 29.84M | 28.5M | 32.44M | 27.36M | 26.53M | 28.39M | 23.05M | 25.23M | 25.9M | 26.13M | 23.48M | 21.75M | 20.02M | 28.12M | 31.15M | 21.22M | 19.36M | 20.32M | 20.63M | 19.68M |
| Pretax Margin % | 14.71% | 13.85% | 15.65% | 13.78% | 13.74% | 14.69% | 11.82% | 13.2% | 13.69% | 14.24% | 13.51% | 13.38% | 13.1% | 19.51% | 24.84% | 19.57% | 19.54% | 20.28% | 20.08% | 18.77% |
| Income Tax | 6.6M | 6.22M | 6.44M | 5.84M | 5.51M | 5.96M | 4.84M | 5.28M | 5.19M | 5.42M | 3.93M | 4.14M | 4.12M | 5.93M | 5.72M | 4.08M | 3.51M | 4.18M | 3.62M | 3.7M |
| Effective Tax Rate % | 22.1% | 21.84% | 19.85% | 21.36% | 20.76% | 21.01% | 20.98% | 20.92% | 20.03% | 20.75% | 16.75% | 19.05% | 20.55% | 21.08% | 18.35% | 19.21% | 18.14% | 20.59% | 17.54% | 18.78% |
| Net Income | 23.25M | 22.27M | 26M | 21.51M | 21.02M | 22.43M | 18.21M | 19.95M | 20.71M | 20.71M | 19.55M | 17.6M | 15.91M | 22.19M | 25.43M | 17.15M | 15.85M | 16.14M | 17.02M | 15.98M |
| Net Margin % | 11.46% | 10.82% | 12.55% | 10.84% | 10.89% | 11.6% | 9.34% | 10.44% | 10.95% | 11.29% | 11.24% | 10.83% | 10.41% | 15.4% | 20.28% | 15.81% | 16% | 16.1% | 16.56% | 15.24% |
| Net Income Growth % | 10.59% | -0.68% | 42.73% | 7.82% | 1.49% | 8.3% | -6.81% | 13.35% | 30.2% | -6.7% | -23.15% | 2.66% | 0.4% | 37.5% | 49.47% | 7.3% | -31.14% | -35.45% | 25.31% | -40.46% |
| Net Income (Continuing) | 23.25M | 22.27M | 26M | 21.51M | 21.02M | 22.43M | 18.21M | 19.95M | 20.71M | 20.71M | 19.55M | 17.6M | 15.91M | 22.19M | 25.43M | 17.15M | 15.85M | 16.14M | 17.02M | 15.98M |
| EPS (Diluted) | 0.08 | 0.08 | 0.09 | 0.08 | 0.07 | 0.08 | 0.06 | 0.07 | 0.07 | 0.07 | 0.07 | 0.06 | 0.06 | 0.08 | 0.09 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 |
| EPS Growth % | 12.31% | -0.51% | 42.97% | 8% | 1.23% | 8.52% | -8.57% | 16.67% | 21.67% | -8.66% | -22.22% | 0% | 0% | 32.83% | 50% | 0% | -25% | -33.26% | 20% | -40% |
| EPS (Basic) | 0.08 | 0.08 | 0.09 | 0.08 | 0.07 | 0.08 | 0.06 | 0.07 | 0.07 | 0.07 | 0.07 | 0.06 | 0.06 | 0.08 | 0.09 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 |
| Diluted Shares Outstanding | 279.93M | 283.3M | 279.76M | 279.72M | 279.72M | 279.58M | 279.4M | 279.22M | 279.05M | 279M | 278.83M | 278.59M | 278.5M | 278.46M | 278.5M | 278.56M | 278.82M | 278.9M | 278.88M | 278.93M |