Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $80.6M | $88.9M | $85.4M | $80.2M | $83.3M | $81.0M | $74.6M | $75.3M | $79.6M | $91.0M |
| EPS (diluted) | $0.28 | $0.32 | $0.30 | $0.28 | $0.29 | $0.29 | $0.26 | $0.26 | $0.28 | $0.32 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $84.9M | $101M | $92.1M | $103M | $122M | $83.2M | $38.9M | $90.7M | $88.6M | $82.4M |
| Capital expenditures | $9.13M | $4.15M | $8.37M | $3.78M | $3.21M | $1.34M | $2.70M | $5.10M | $3.06M | $11.5M |
| Free cash flow | $75.8M | $97.0M | $83.7M | $99.2M | $119M | $81.8M | $36.2M | $85.6M | $85.5M | $71.0M |
| Share buybacks | $128M | $54.0M | $19.7M | $9.09M | $2.32M | $5.59M | $6.29M | $5.98M | $1.93M | $3.98M |
| Dividends paid | $23.4M | $27.7M | $37.6M | $50.5M | $55.5M | $56.6M | $58.3M | $58.3M | $59.0M | $59.5M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $231M | $268M | $270M | $275M | $498M | $488M | $370M | $467M | $464M | $429M |
| Total assets | $12.9B | $13.7B | $14.1B | $14.5B | $14.6B | $14.1B | $15.8B | $16.9B | $17.1B | $17.5B |
| Total liabilities | $11.2B | $12.0B | $12.4B | $12.8B | $13.0B | $12.3B | $13.9B | $15.0B | $15.2B | $15.6B |
| Shareholders' equity | $1.66B | $1.69B | $1.76B | $1.70B | $1.67B | $1.73B | $1.84B | $1.93B | $1.86B | $1.89B |
| Retained earnings | $699M | $760M | $808M | $838M | $866M | $854M | $870M | $887M | $915M | $947M |
| Shares (wtd avg diluted) | 284M | 279M | 277M | 277M | 278M | 279M | 279M | 279M | 279M | 280M |
Every figure is extracted from TFS Financial CORP’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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