TFS Financial CORP
Ticker: TFSLFinancialsBanks & BrokersThe business
TFS Financial Corporation (NASDAQ: TFSL) operates as a savings and loan holding company headquartered in Cleveland, Ohio, with its primary business consisting of ownership and operation of Third Federal Savings and Loan Association of Cleveland, a federally chartered savings and loan association established in 1938. The company's website is www.thirdfederal.com.
Third Federal Savings and Loan Association conducts retail banking operations from a main office in Cleveland and 36 additional full-service branches plus two loan production offices located throughout Ohio and Florida, with additional loan origination capabilities across 28 states and the District of Columbia. The Association's principal business involves originating and servicing residential mortgage loans while attracting retail savings deposits.
The Association's lending portfolio totals approximately $15.7 billion and comprises first mortgage residential loans representing 69.1 percent of the portfolio, home equity lines of credit at 25.9 percent, home equity loans and bridge loans at 4.8 percent, and construction loans at 0.2 percent. The company originates fixed-rate and adjustable-rate mortgage loans with terms up to 30 years, offers home equity products, and provides residential construction financing. The Association retains servicing rights on the majority of loans sold, with $2.13 billion in loans serviced for others as of September 30, 2025.
Funding sources include retail deposits gathered through branch offices, internet channels, and direct mail solicitation, supplemented by longer-term brokered certificates of deposit and advances from the Federal Home Loan Bank of Cincinnati. The Association maintains a strong market position, ranking second in conventional purchase mortgage loan originations in Cuyahoga County, Ohio, and maintaining significant market share in its core operating regions.
TFS Financial operates Third Capital, Inc., a wholly-owned subsidiary that holds minority investments in title agencies providing escrow and settlement services. The company maintains shareholders' equity to total assets ratio of 10.85 percent and operates with a liquidity ratio averaging 5.47 percent. The mutual holding company parent, Third Federal Savings and Loan Association of Cleveland, MHC, holds approximately 80.97 percent of outstanding common stock.
- Sector
- Financials
- Industry
- Banks & Brokers
- HQ
- CLEVELAND, OH
- FY end
- 09-30
- CIK
- 1381668
- SIC
- 6035
Ownership
Who holds TFS Financial CORP — across funds, superinvestors and bonds · N-PORT 2026Q2 · 13F 2026-06-30
Top fund holders
| Fund | % of fund | Value |
|---|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND VTI · VANGUARD INDEX FUNDS | 0.00% | $31.61M |
| WisdomTree U.S. SmallCap Dividend Fund DES · WisdomTree Trust | 1.18% | $25.84M |
| VANGUARD SMALL-CAP INDEX FUND VB · VANGUARD INDEX FUNDS | 0.01% | $22.77M |
| State Street(R) SPDR(R) S&P(R) Regional Banking ETF KRE · SPDR SERIES TRUST | 0.43% | $20.26M |
| Global X SuperDividend U.S. ETF DIV · GLOBAL X FUNDS | 1.96% | $14.69M |
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
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