TFSL FINANCIAL STATEMENTS

TFS Financial Corporation — balance sheet, income statement and cash flow trends

TFSLTFS Financial Corporation

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue814.4 M $+5.4%

Gross Profit335 M $+10.2%

Operating Income118.1 M $+14.5%

EBITDA142.4 M $+14.9%

Net Income93 M $+14.0%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
TFSL	—	—	—	11.4%
BEN	—	—	—	—
NDA-SE	—	—	—	20.9%
HALKB	—	—	—	16.6%
VAKBN	—	—	—	21.4%
YKBNK	—	—	—	23.3%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity1.9 B $11%
Current Liabilities1.7 B $10%
Long-term Liabilities13.9 B $79%

Key Figures

YoY change

Total Assets17.5 B $+2.2%

Total Liabilities15.6 B $+2.2%

Total Equity1.9 B $+1.4%

Cash & ST Investments25.1 M $-95.1%

Total Debt5.1 B $+11.1%

Net Debt5.1 B $+22.9%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
TFSL	0.05	266.7%	35.83	11.0%
BEN	0.03	142.6%	—	6.6%
NDA-SE	0.16	704.0%	25.50	4.4%
HALKB	—	0.0%	-33.00	5.1%
VAKBN	—	0.0%	-8.98	6.0%
YKBNK	—	0.0%	-9.43	8.0%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
TFSL	0.05	266.7%	35.83	11.0%
EBC	0.03	16.1%	0.60	14.0%
FFIN	0.07	4.6%	-2.50	12.6%
ASB	15.52	88.2%	-2.19	11.0%
SFBS	0.13	82.7%	-1.25	10.5%
IBOC	1.09	22.0%	0.25	19.5%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow92 M $-12.2%

Capital Expenditures9.8 M $+7.1%

Free Cash Flow82.3 M $-14.0%

Dividends Paid-59.8 M $-200.9%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
TFSL	11.3%	10.1%	1.2%	98.9%
BEN	—	—	—	—
NDA-SE	-33.4%	-35.4%	2.0%	-159.7%
HALKB	16.6%	38.5%	21.9%	100.0%
VAKBN	21.4%	20.2%	1.1%	100.0%
YKBNK	23.3%	24.9%	1.6%	100.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
TFSL	11.3%	10.1%	1.2%	98.9%
EBC	26.8%	25.3%	1.5%	101.2%
FFIN	37.9%	36.1%	1.8%	121.8%
ASB	26.4%	24.9%	1.5%	132.6%
SFBS	37.0%	36.4%	1.2%	127.3%
IBOC	44.4%	42.9%	1.5%	112.9%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
TFSL	—	—	—	11.4%
EBC	—	—	—	26.5%
FFIN	—	—	—	31.1%
ASB	—	—	—	19.9%
SFBS	—	—	—	29.0%
IBOC	—	—	—	39.3%
Industry median	—	67.2%	20.4%	20.6%