# EDGAR Filing Document

**Accession Number:** 0001381668
**File Stem:** 0002086855-25-000002
**Filing Date:** 2025-9
**Character Count:** 5315
**Document Hash:** 7dd54c82f29bfcf057734c7b937e3068
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002086855-25-000002.hdr.sgml**: 20250919

**ACCESSION NUMBER**: 0002086855-25-000002

**CONFORMED SUBMISSION TYPE**: 3

**PUBLIC DOCUMENT COUNT**: 1

**CONFORMED PERIOD OF REPORT**: 20250901

**FILED AS OF DATE**: 20250919

**DATE AS OF CHANGE**: 20250919

**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** Carfagna Michael J
- **CENTRAL INDEX KEY:** 0002086855

**ORGANIZATION NAME:**

**FILING VALUES:**
- **FORM TYPE:** 3
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-33390
- **FILM NUMBER:** 251325756

**MAIL ADDRESS:**
- **STREET 1:** 7007 BROADWAY AVE
- **CITY:** CLEVELAND
- **STATE:** OH
- **ZIP:** 44105
**ISSUER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** TFS Financial CORP
- **CENTRAL INDEX KEY:** 0001381668
- **STANDARD INDUSTRIAL CLASSIFICATION:** SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 522054948
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 0930

**BUSINESS ADDRESS:**
- **STREET 1:** 7007 BROADWAY AVENUE
- **CITY:** CLEVELAND
- **STATE:** OH
- **ZIP:** 44105
- **BUSINESS PHONE:** (216) 441-6000

**MAIL ADDRESS:**
- **STREET 1:** 7007 BROADWAY AVENUE
- **CITY:** CLEVELAND
- **STATE:** OH
- **ZIP:** 44105

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## FORM 3

### INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

[ ] Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>Carfagna Michael J<br><sub>(Last) (First) (Middle)</sub><br>7007 BROADWAY AVE<br><sub>(Street)</sub><br>CLEVELAND, OH 44105<br><sub>(City) (State) (Zip)</sub> | **3. Issuer Name and Ticker or Trading Symbol**<br>TFS Financial CORP [ TFSL ] | **5. If Amendment, Date of Original Filed (Month/Day/Year)**<br>  |
| **2. Date of Event Requiring Statement (Month/Day/Year)**<br>2025-09-01 | **4. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[ ] Director   [ ] 10% Owner<br>[X] Officer (give title below)   [ ] Other (specify below)<br>_Chief Information Officer_ | **6. Individual or Joint/Group Filing (Check Applicable Line)**<br>[X] Form filed by One Reporting Person<br>[ ] Form filed by More than One Reporting Person |

---

## Table I - Non-Derivative Securities Beneficially Owned

---

|  |  |  |  |
| --- | --- | --- | --- |
| 1. Title of Security | 2. Amount of Securities Beneficially Owned | 3. Ownership Form | 4. Nature of Indirect Beneficial Ownership |
| Common Stock | 14689 | D |  |
| Common Stock | 7409 | I | ESOP<sup>(1)</sup> |

---

## Table II - Derivative Securities Beneficially Owned

---

|  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 1. Title of Derivative Security | 2. Date Exercisable and Expiration Date (Month/Day/Year) | 2. Date Exercisable and Expiration Date (Month/Day/Year) | 3. Title and Amount of Underlying Securities | 3. Title and Amount of Underlying Securities | 4. Conversion or Exercise Price | 5. Ownership Form | 6. Nature of Indirect Beneficial Ownership |
| 1. Title of Derivative Security | Date Exercisable | Expiration Date | Title | Amount or Number of Shares | 4. Conversion or Exercise Price | 5. Ownership Form | 6. Nature of Indirect Beneficial Ownership |
| Restricted Stock Units | <sup>(2)</sup> | <sup>(2)</sup> | Common Stock | 4000 | <sup>(3)</sup> | D |  |
| Employee Stock Option (right to buy) | <sup>(4)</sup> | 2028-01-05 | Common Stock | 5000 | $14.74 | D |  |
| Employee Stock Option (right to buy) | <sup>(5)</sup> | 2034-03-04 | Common Stock | 12000 | $12.94 | D |  |

---

### Footnotes:

(1) Reflects transactions not required to be reported under Section 16 of the Securities Exchange Act, as amended.

(2) On March 4, 2024, the reporting person received a grant of 4,000 Restricted Stock Units (RSUs). These RSUs fully vest on December 10, 2026.

(3) Each restricted stock unit represents a contingent right to receive one share of TFS Financial Corporation common stock.  Restricted 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.

(4) On January 5, 2018, the reporting person received a grant of 5,000 stock options. These options fully vest on December 10, 2020.

(5) On March 4, 2024, the reporting person received a grant of 12,000 stock options. These options fully vest on December 10, 2026.

**Signature:** /s/ Susanne N. Miller, Pursuant to Power of Attorney  
**Date:** 2025-09-12

### Remarks:

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).

** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.

**Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.**