Risk factors

TFS Financial (TFSL) risk factors

Item 1A of every TFS Financial Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    45 risks7 new2 reworded

    TFS Financial added new operational risks regarding core banking modernization, merchant fraud, payments, and fintech charter competition. Deposit concentration in certificates of deposit grew to 81.1 percent in 2025.

    Filed Nov 25, 2025
  • FY2024 10-K risk factors
    38 risks

    TFS Financial Corp's risk profile is dominated by economic, interest rate, and funding cost exposures in Ohio and Florida markets. Residential mortgage lending concentration and regulatory compliance dictate core operational constraints. Majority control by a mutual holding company limits public shareholder voting power.

    Filed Nov 22, 2024