Marc A. Stefanski - 18 Dec 2025 Form 4 Insider Report for TFS Financial CORP (TFSL)

Signature
/s/ Susanne N. Miller, Pursuant to Power of Attorney
Issuer symbol
TFSL
Transactions as of
18 Dec 2025
Net transactions value
$0
Form type
4
Filing time
18 Dec 2025, 14:22:05 UTC
Previous filing
16 Dec 2025

Reporting Owners (1)

Name Relationship Address Signature Signature date CIK
Stefanski Marc A Chairman, President and CEO, Director 7007 BROADWAY AVENUE, CLEVELAND /s/ Susanne N. Miller, Pursuant to Power of Attorney 18 Dec 2025 0001388161

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
holding TFSL Common Stock 116,997 18 Dec 2025 Direct
holding TFSL Common Stock 28,200 18 Dec 2025 By Spouse
holding TFSL Common Stock 37,150 18 Dec 2025 Trustee for daughter's trust
holding TFSL Common Stock 20,389 18 Dec 2025 Trust Beneficiary
holding TFSL Common Stock 54,738 18 Dec 2025 Trustee for sibling trust
holding TFSL Common Stock 111,520 18 Dec 2025 By 401(k) F1
holding TFSL Common Stock 10,916 18 Dec 2025 BY ESOP F1

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Underlying Class Amount Exercise Price Ownership Footnotes
transaction TFSL Restricted Stock Units Award $0 +40,200 $0.000000 40,200 18 Dec 2025 Common Stock 40,200 Direct F2, F3
holding TFSL Restricted Stock Units 13,567 18 Dec 2025 Common Stock 13,567 Direct F2, F4
holding TFSL Restricted Stock Units 26,934 18 Dec 2025 Common Stock 26,934 Direct F2, F5
holding TFSL Performance Restricted Share Units 20,400 18 Dec 2025 Common Stock 20,400 Direct F2, F6
holding TFSL Restricted Stock Units 33,400 18 Dec 2025 Common Stock 33,400 Direct F2, F7
holding TFSL Restricted Stock Units 35,700 18 Dec 2025 Common Stock 35,700 Direct F2, F8
holding TFSL Restricted Stock Units 693,048 18 Dec 2025 Common Stock 693,048 Direct F2, F9
holding TFSL Employee Stock Option (right to buy) 0 18 Dec 2025 Common Stock 196,700 $19.06 Direct F10
* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id Content
F1 Reflects transactions not required to be reported under Section 16 of the Securities Exchange Act, as amended.
F2 Each restricted and performance stock unit represents a contingent right to receive one share of TFS Financial Corporation common stock. Restricted and performance stock units are entitled to dividend equivalent rights in the form of a cash payment in the amount of any cash dividend paid per share of common stock.
F3 On December 18, 2025, the reporting person received a grant of 40,200 Restricted Stock Units (RSUs). These RSUs vest in three equal annual installments beginning December 10, 2026.
F4 On March 4, 2024, the reporting person received a grant of 40,700 Restricted Stock Units (RSUs). These RSUs vest in three equal annual installments beginning December 10, 2024.
F5 On December 19, 2024, the reporting person received a grant of 40,400 Restricted Stock Units (RSUs). These RSUs vest in three equal annual installments beginning December 10, 2025.
F6 On November 25, 2025, the reporting person achieved performance level of 100% on a target award of 20,400 Performance Share Units ("PSUs"), resulting in a total earned award of 20.400 shares. This represents the final determination a March 4, 2024 award that was dependent on certain performance results during the two fiscal year period ended September 30, 2025. Each PSU represents a contingent right to receive one share of TFS Financial Corporation common stock and are entitled to dividend equivalent rights in the form of a cash payment in the amount of any cash dividend paid per share of common stock during the period the award was outstanding. The shares and dividend equivalent payment will vest and distribute to the reporting person on December 10, 2026.
F7 As reported on a Form 4 dated May 14, 2009, the reporting person received a grant of 33,400 restricted stock units that vest in four equal annual installments beginning on May 12, 2010. Vested shares may be distributed to the reporting person only after the person's termination of employment with TFS Financial Corporation.
F8 As reported on a Form 4 dated May 18, 2010, the Reporting Person received a grant of 35,700 restricted stock units that vest in four equal installments beginning on May 14, 2011. Vested shares may be distributed to the Reporting Person only after that person's termination of employment with TFS Financial Corporation.
F9 As reported on a Form 4 dated August 13, 2008, the Reporting Person received a grant of 701,800 Restricted Stock Units ("RSUs") on August 11, 2008. These RSUs vest 10% on each of the third through the ninth anniversaries of the date of the grant and 30% on the tenth anniversary of the date of the grant. Vested shares may be distributed to the Reporting Person only after the person's termination of employment from TFS Financial Corporation. 3,387 shares were delivered to the issuer on August 13, 2012; and 5,365 shares were delivered to the issuer on August 11, 2015; to pay for the applicable withholding tax due upon vesting.
F10 These options expired December 17, 2025.