For the quarter ending 2025-12-31, TFSL had $27,270K increase in cash & cash equivalents over the period. $57,086K in free cash flow.
| Cash Flow | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Income (loss) from continuing operations before income taxes, noncontrolling interest | - | 114,715 | - |
| Net income tax effect | - | 23,756 | - |
| Net income | 22,274 | 25,999 | 64,960 |
| Esop and stock-based compensation expense | 2,654 | 2,609 | 7,037 |
| Depreciation and amortization | 6,257 | 6,238 | 16,810 |
| Deferred income taxes | -103 | 1,324 | 28 |
| Provision (release) for credit losses | -1,000 | 1,000 | 1,500 |
| Net gain on the sale of loans | 2,329 | 2,314 | 3,028 |
| Other net losses (gains) | -101 | 0 | 19 |
| Proceeds from sales of loans originated as held for sale | 32,452 | 52,969 | 63,257 |
| Loan originations, acquisitions and principal repayments on loans held for sale | 17,212 | 75,780 | 57,322 |
| Increase in bank owned life insurance contracts | 2,603 | 2,554 | 8,109 |
| Net decrease in interest receivable and other assets | -6,456 | 6,191 | -7,230 |
| Net increase (decrease) in accrued expenses and other liabilities | 11,801 | -14,403 | 1,178 |
| Net cash provided by operating activities | 58,748 | -11,103 | 93,522 |
| Loans originated | 983,320 | 1,074,039 | 2,712,340 |
| Principal repayments on loans | 840,178 | 844,325 | 2,278,497 |
| Securities available for sale | 86,217 | 25,112 | 145,230 |
| Proceeds from securitization, loan, held-for-sale | - | 284,777 | - |
| Loans | -41,149 | - | 130,628 |
| Real estate owned | 0 | 0 | 193 |
| Fhlb stock | 11,695 | 4,840 | 19,742 |
| Fhlb stock | 10,359 | 7,665 | 23,786 |
| Securities available for sale | 18,027 | 18,635 | 141,707 |
| Premises and equipment | 1,662 | 2,143 | 9,310 |
| Other | 231 | -440 | -2,487 |
| Net cash provided by (used in) investing activities | 13,970 | -73,616 | -310,366 |
| Net (decrease) increase in deposits | -76,763 | 105,827 | 154,792 |
| Net increase in borrowers' advances for insurance and taxes | 20,438 | -4,731 | 4,262 |
| Net increase in principal and interest owed on loans serviced | 11,928 | 91 | 1,484 |
| Net (decrease) increase in short-term borrowed funds | -28,000 | -137,000 | 420,000 |
| Net increase in fed funds purchased | -150,000 | 0 | - |
| Proceeds from long-term borrowed funds | 50,000 | 125,000 | 100,000 |
| Repayment of long-term borrowed funds | 100,560 | 480 | 426,520 |
| Cash collateral/settlements (provided to) received from derivative counterparties | -54,391 | -9,800 | -2,131 |
| Acquisition or net settlement of treasury shares | 2,988 | 2,466 | 1,511 |
| Dividends paid to common shareholders | 15,112 | 14,864 | 44,669 |
| Net cash used in financing activities | -45,448 | 61,577 | 205,707 |
| Net increase in cash and cash equivalents | 27,270 | -23,142 | -11,137 |
| Cash and cash equivalents at beginning of period | 429,439 | 463,718 | - |
| Cash and cash equivalents at end of period | 456,709 | 429,439 | - |
TFS Financial CORP (TFSL)
TFS Financial CORP (TFSL)