Michael J. Carfagna - 01 Sep 2025 Form 3 Insider Report for TFS Financial CORP (TFSL)

Role: Chief Information Officer
Signature: /s/ Susanne N. Miller, Pursuant to Power of Attorney
Issuer symbol: TFSL
Transactions as of: 01 Sep 2025
Net transactions value: $0
Form type: 3
Filing time: 19 Sep 2025, 12:34:12 UTC
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Carfagna Michael J	Chief Information Officer	7007 BROADWAY AVE, CLEVELAND	/s/ Susanne N. Miller, Pursuant to Power of Attorney	12 Sep 2025	0002086855

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
holding	TFSL	Common Stock						14,689	01 Sep 2025	Direct
holding	TFSL	Common Stock						7,409	01 Sep 2025	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
holding	TFSL	Restricted Stock Units							01 Sep 2025	Common Stock	4,000		Direct	F2, F3
holding	TFSL	Employee Stock Option (right to buy)							01 Sep 2025	Common Stock	5,000	$14.74	Direct	F4
holding	TFSL	Employee Stock Option (right to buy)							01 Sep 2025	Common Stock	12,000	$12.94	Direct	F5

* 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	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.
F3	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.
F4	On January 5, 2018, the reporting person received a grant of 5,000 stock options. These options fully vest on December 10, 2020.
F5	On March 4, 2024, the reporting person received a grant of 12,000 stock options. These options fully vest on December 10, 2026.