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TFS Financial TFSL Reserve for ESOP Debt Retirement

Reserve for ESOP Debt Retirement at other companies

Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$121.53M-4.0%

Other financials

Income statement

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Revenue$85.2M+7.7%
Net income$23.2M+10.6%
EPS (diluted)$0.08+14.3%

Balance sheet

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Cash & equivalents$437.3M-5.7%
Total debt$1.7B+61.1%
Total equity$1.9B+1.4%
Total assets$17.5B+2.2%

Cash flow

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Operating cash flow$17.6M-16.9%
CapEx$4.2M-38.9%
Free cash flow$13.4M-6.2%

Valuation

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Market cap$4.6B+13.3%

Profitability

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Net margin27.6%+0.9pp
FCF margin52%

Returns & leverage

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Return on equity4.9%+0.6pp
Debt / equity0.9×+0.3×

Where this comes from

Reported directly by TFS Financial in its filing.

Tagged under the XBRL concept us-gaap:UnearnedESOPShares.

The official record: TFS Financial’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is TFS Financial's reserve for ESOP debt retirement?
TFS Financial (TFSL) reported reserve for ESOP debt retirement of $16.25M in Q1 2026.
How has TFS Financial's reserve for ESOP debt retirement changed year-over-year?
TFS Financial's reserve for ESOP debt retirement decreased by 21.1% year-over-year, from $20.58M to $16.25M.
What is the long-term trend for TFS Financial's reserve for ESOP debt retirement?
Over 5 years (2020 to 2025), TFS Financial's reserve for ESOP debt retirement has grown at a -14.4% compound annual growth rate (CAGR), from $40.08M to $18.42M.
What does reserve for ESOP debt retirement mean?
This is an equity adjustment account used to track the debt obligations incurred by an Employee Stock Ownership Plan (ESOP) that are guaranteed by the company. It reflects the accounting treatment of shares held by the ESOP that have not yet been allocated to employees. This metric is essential for understanding the company's total equity position and the impact of employee benefit plans on shareholder value.