Gavin B. Stefanski - 10 Dec 2025 Form 4 Insider Report for TFS Financial CORP (TFSL)

Role: Chief Experience Officer
Signature: /s/ Susanne N. Miller, Pursuant to Power of Attorney
Issuer symbol: TFSL
Transactions as of: 10 Dec 2025
Net transactions value: -$9,153
Form type: 4
Filing time: 12 Dec 2025, 17:21:03 UTC
Previous filing: 13 May 2025
Next filing: 18 Dec 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Stefanski Gavin B	Chief Experience Officer	7007 BROADWAY AVENUE, CLEVELAND	/s/ Susanne N. Miller, Pursuant to Power of Attorney	12 Dec 2025	0001921253

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	TFSL	Common Stock	Options Exercise	$0	+1,433		$0.000000	1,433	10 Dec 2025	Direct	F1
transaction	TFSL	Common Stock	Tax liability	$9,153	-658	-46%	$13.91	775	10 Dec 2025	Direct	F2
holding	TFSL	Common Stock						32,766	10 Dec 2025	In Trust
holding	TFSL	Common Stock						3,256	10 Dec 2025	ESOP	F3

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	Options Exercise	$0	-1,433	-33%	$0.000000	2,867	10 Dec 2025	Common Stock	1,433		Direct	F4, F5
holding	TFSL	Restricted Stock Units						15,000	10 Dec 2025	Common Stock	15,000		Direct	F4, F6
holding	TFSL	Employee Stock Option (right to buy)						5,000	10 Dec 2025	Common Stock	5,000	$14.62	Direct	F7

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	These common shares were acquired upon the vesting and settlement of certain restricted stock units (RSUs).
F2	These common shares were delivered to the issuer to pay for applicable withholding tax due upon the exercise of certain restricted stock units or performance share units.
F3	Reflects transactions not required to be reported under Section 16 of the Securities Exchange Act, as amended.
F4	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.
F5	On December 19, 2024, the reporting person received a grant of 4,300 Restricted Stock Units (RSUs). These RSUs vest in three equal annual installments beginning December 10, 2025.
F6	On March 4, 2024, the reporting person received a grant of 15,000 Restricted Stock Units (RSUs). These RSUs fully vest on December 10, 2026.
F7	On April 2, 2018, the reporting person received 5,000 stock options. These options fully vest on December 10, 2020.