)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
TFS Financial (TFSL) investor relations material
TFS Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Oct, 2025
Executive summary
Achieved net income of $26.0M for the quarter ended September 30, 2025, up from $21.5M in the prior quarter and $18.2M in the same quarter last year.
Achieved record net income of $91.0M for fiscal year 2025, up 14.3% year-over-year, driven by improved net interest margin and higher mortgage and home equity originations.
Assets reached $17.46B and deposits $10.45B at quarter-end, both showing steady growth year-over-year.
Retail deposits increased by $567M for the year, and stock buybacks resumed with a strong Tier 1 capital ratio near 11%.
Maintained a strong capital position with Tier I leverage ratio at 10.76% and total risk-based capital at 18.46%.
Financial highlights
Net interest income for the year rose 5.1% to $292.7M; net interest margin improved to 1.76% from 1.69% year-over-year.
Net interest income for the quarter was $77.3M, up from $68.7M year-over-year.
Non-interest income increased 16.6% year-over-year to $28.8M, mainly from higher fees and loan sale gains.
Allowance for credit losses increased to $104.4M, or 0.67% of total loans.
Delinquency rate on the $15.66B loan portfolio was 0.21% at quarter-end.
Outlook and guidance
Focus remains on disciplined loan origination, deposit growth, and maintaining high capital levels.
Management highlighted confidence in continued deposit growth and capital strength, with ongoing focus on net interest margin and loan origination.
Dividend policy continues, with a $1.13 annualized dividend per share and an 8.57% yield at quarter-end price.
Managed portfolio growth with a 2-year CAGR of 2.1%.
Impact of loan portfolio shift on risk/return?
What is the impact of deposit mix on funding costs?
What is the outlook for credit quality trends?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next TFS Financial earnings date
Q1 202628 Jan, 2026
Next TFS Financial earnings date
Q1 202628 Jan, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
TFS Financial Corporation, through its wholly owned subsidiary Third Federal Savings and Loan Association of Cleveland, provides retail consumer banking services in the United States. The company’s offerings include a variety of deposit products such as savings accounts, money market accounts, checking accounts, individual retirement accounts, and certificates of deposit. TFS Financial also specializes in residential real estate mortgage loans, including purchase mortgages, mortgage refinancing, home equity loans, and lines of credit. Additionally, it offers residential construction loans and escrow and settlement services. The company operates through its main office in Cleveland, Ohio, along with multiple branches and loan production offices across Ohio and Florida. The company is headquartered in Cleveland, Ohio, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage