UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported) ~~October 30~~November 20, 2025

TFS FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

United States of America

001-33390

52-2054948

(State or other jurisdiction
of incorporation)

(Commission
File Number)

(IRS Employer
Identification No.)

7007 Broadway Ave.,

Cleveland,

Ohio

44105

(Address of principle executive offices)

(Zip Code)

Registrant's telephone number, including area code (216) 441-6000

Not applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:


☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)


☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)


☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))


☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act

Title of each class

Trading Symbol(s)

Name of each exchange in which registered

Common Stock, par value $0.01 per share

TFSL

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging Growth Company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Item 28.0201 Other ~~Results of Operations and Financial Condition.~~Events

On ~~October 30~~November 20, 2025, the Board of Directors of TFS Financial Corporation (the "“Company”), ~~the~~declared ~~holding~~a ~~company~~cash ~~for~~dividend ~~Third~~of ~~Federal~~$0.2825 ~~Savings~~per ~~and~~share ~~Loan Association~~ of ~~Cleveland~~common ~~(the~~stock. ~~"Association"),~~The ~~issued~~dividend ais ~~press~~payable ~~release~~on ~~announcing~~December ~~its~~16, ~~operating~~2025 ~~results~~to ~~for~~shareholders ~~the~~of ~~three~~record ~~and~~as ~~twelve~~of ~~months~~December ~~ended September 30~~2, 2025. A ~~copy~~press release announcing the details of the ~~press~~dividend ~~release~~declaration is attached as ~~Exhibit~~ exhibit 99.1 ~~to this Report~~.

~~The~~ Third ~~information~~Federal ~~contained~~Savings ~~in this Item 2.02~~ and inLoan ~~the~~Association ~~accompanying exhibit 99.1 shall not be incorporated by reference into any filing~~ of ~~the Company~~Cleveland, ~~whether~~MHC ~~made before or after~~ (the ~~date hereof. The information in this report~~“MHC”), ~~including~~ the ~~exhibit~~mutual ~~hereto,~~holding ~~shall~~company ~~not be deemed to be “filed” for purposes~~ of ~~Section 18 of~~ the ~~Securities~~Company ~~Exchange~~and ~~Act~~owner of ~~1934~~227,119,132 ~~as amended~~shares, or ~~otherwise~~81% ~~subject~~of to the ~~liabilities~~Company’s ofcommon ~~that~~stock ~~section~~outstanding, orhas ~~Sections 11~~waived ~~and~~its ~~12(a)(2)~~right ofto receive the ~~Securities~~dividend ~~Act~~on ofits ~~1933, as amended~~shares.

~~Item~~ On ~~9.01~~July ~~Financial~~8, ~~Statements~~2025, the MHC received the approval of its members (depositors and ~~Exhibits~~certain loan customers of the Association) with respect to the waiver of dividends, and subsequently received the non-objection of the Federal Reserve Bank of Cleveland, to waive receipt of dividends on the Company’s common stock the MHC owns up to an aggregate amount of $1.13 per share during the twelve months subsequent to the members' approval (ie., through July 8, 2026). The MHC previously waived the receipt of dividends paid by the Company in an aggregate amount of $0.2825 per share during the quarter ending September 30, 2025.

The information contained herein and in the accompanying exhibit shall not be incorporated by reference into any filing of the Company, whether made before or after the date hereof. The information in this report, including the exhibit hereto, shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section or Sections 11 and 12(da) ~~Exhibits~~ (2) of the Securities Act of 1933, as amended.

~~99.1 Press~~FORM ~~Release~~8-K ~~dated~~EXHIBIT ~~October 30, 2025~~INDEX

Exhibit No.

99.1 Press Release dated November 20 , 2025

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

TFS FINANCIAL CORPORATION(Registrant)

~~TFS FINANCIAL CORPORATION(Registrant)~~

Date:

October 30, 2025

By:

/s/ Meredith S. Weil

Date: November 20, 2025

By:

/s/ Meredith S. Weil

Meredith S. Weil

~~Meredith S. Weil~~

Chief Financial Officer

~~Chief Financial Officer~~

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