TFS Financial Corporation
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. Its deposit products include savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. The company also provides residential real estate mortgage loans, residential construction loans, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, it offers escrow and settlement services.
Banks—Regional
US, Cleveland [HQ]
TFSL/Financial Reporting
Income Statements
Profit & Loss · 15 Statements · From 2023 to 2009Configuration
In Million USD. Margins, Growth Rates In %
| Metric | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 298.00 | 285.00 | 277.00 | 286.00 | 297.00 | 293.00 | 294.00 | 295.00 | 298.00 | 302.00 | 285.00 | 295.00 | 286.00 | 291.00 | 304.00 | |
|
EPS
|
0.05 | 0.04 | 0.03 | 0.04 | 0.19 | 0.22 | 0.25 | 0.29 | 0.32 | 0.31 | 0.29 | 0.30 | 0.29 | 0.26 | 0.27 | |
| Diluted in mil. | 0.05 | 0.04 | 0.03 | 0.04 | 0.18 | 0.22 | 0.25 | 0.28 | 0.32 | 0.31 | 0.28 | 0.29 | 0.29 | 0.26 | 0.26 | |
|
Profit
|
298.00 | 285.00 | 277.00 | 286.00 | 297.00 | 293.00 | 294.00 | 295.00 | 298.00 | 302.00 | 285.00 | 295.00 | 286.00 | 291.00 | 304.00 | |
| Gross Margin | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | |
| Pre Tax | 20.00 | 18.00 | 12.00 | 13.00 | 82.00 | 98.00 | 109.00 | 122.00 | 133.00 | 121.00 | 102.00 | 100.00 | 100.00 | 92.00 | 93.00 | |
| Profit Margin | 6.73 | 6.38 | 4.35 | 4.75 | 27.73 | 33.70 | 37.16 | 41.43 | 44.63 | 40.06 | 35.75 | 33.92 | 34.88 | 31.61 | 30.61 | |
| ETR | 28.28 | 37.74 | 22.65 | 15.67 | 32.06 | 33.35 | 33.64 | 34.17 | 33.35 | 29.51 | 21.50 | 16.89 | 19.07 | 19.00 | 19.40 | |
| Net | 14.00 | 11.00 | 9.00 | 11.00 | 55.00 | 65.00 | 72.00 | 80.00 | 88.00 | 85.00 | 80.00 | 83.00 | 81.00 | 74.00 | 75.00 | |
| Profit Margin | 4.83 | 3.97 | 3.37 | 4.01 | 18.84 | 22.46 | 24.66 | 27.27 | 29.75 | 28.24 | 28.07 | 28.19 | 28.23 | 25.61 | 24.67 | |
| EBITDA | 295.00 | 247.00 | 211.00 | 192.00 | 219.00 | 215.00 | 240.00 | 259.00 | 284.00 | 308.00 | 125.00 | 133.00 | 132.00 | 261.00 | 93.00 | |
| EBITDA Margin | 99.14 | 86.54 | 76.14 | 67.00 | 73.76 | 73.43 | 81.59 | 87.94 | 95.17 | 101.98 | 43.78 | 45.03 | 46.24 | 89.64 | 30.61 | |
| Operating Income | 277.00 | 228.00 | 191.00 | 169.00 | 197.00 | 202.00 | 222.00 | 240.00 | 263.00 | 283.00 | 102.00 | 100.00 | 100.00 | 233.00 | 93.00 | |
| Operating Margin | 92.94 | 80.08 | 69.14 | 59.05 | 66.59 | 68.90 | 75.66 | 81.39 | 88.18 | 93.65 | 35.75 | 33.92 | 34.88 | 80.35 | 30.61 | |
| Interest Income | 485.00 | 435.00 | 427.00 | 417.00 | 383.00 | 374.00 | 383.00 | 388.00 | 408.00 | 443.00 | 482.00 | 455.00 | 389.00 | 409.00 | 611.00 | |
| Loss | -21.00 | -56.00 | -85.00 | -117.00 | -99.00 | -91.00 | -71.00 | -54.00 | -35.00 | -19.00 | -183.00 | -195.00 | -186.00 | -57.00 | -211.00 | |
| Cost of Revenue | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
|
Operating Expenses
|
-21.00 | -56.00 | -85.00 | -117.00 | -99.00 | -91.00 | -71.00 | -54.00 | -35.00 | -19.00 | -183.00 | -195.00 | -186.00 | -57.00 | -211.00 | |
| R&D | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| G&A | -96.00 | -102.00 | -95.00 | -94.00 | -99.00 | -100.00 | -106.00 | -106.00 | -105.00 | -112.00 | -114.00 | -114.00 | -117.00 | -118.00 | -126.00 | |
| SG&A | -104.00 | -108.00 | -103.00 | -104.00 | -112.00 | -114.00 | -126.00 | -123.00 | -125.00 | -131.00 | -133.00 | -131.00 | -137.00 | -139.00 | -151.00 | |
| S&M | -7.00 | -6.00 | -7.00 | -9.00 | -12.00 | -14.00 | -19.00 | -16.00 | -19.00 | -19.00 | -19.00 | -16.00 | -19.00 | -21.00 | -25.00 | |
| Depreciation and Amortization | -18.00 | -18.00 | -19.00 | -22.00 | -21.00 | -13.00 | -17.00 | -19.00 | -20.00 | -25.00 | -22.00 | -32.00 | -32.00 | -27.00 | -18.00 | |
| Interest Expenses | -257.00 | -210.00 | -179.00 | -155.00 | -115.00 | -103.00 | -113.00 | -118.00 | -130.00 | -162.00 | -216.00 | -213.00 | -157.00 | -141.00 | -328.00 | |
| Other Expenses | -257.00 | -210.00 | -179.00 | -155.00 | -115.00 | -103.00 | -113.00 | -118.00 | -130.00 | -162.00 | -102.00 | -100.00 | -100.00 | -141.00 | -93.00 | |
|
WA Shares Outstanding
|
301.00 | 299.00 | 300.00 | 301.00 | 301.00 | 298.00 | 289.00 | 281.00 | 277.00 | 275.00 | 275.00 | 275.00 | 276.00 | 277.00 | 277.00 | |
| Diluted | 301.00 | 300.00 | 300.00 | 301.00 | 302.00 | 300.00 | 292.00 | 283.00 | 279.00 | 277.00 | 277.00 | 277.00 | 278.00 | 278.00 | 278.00 |