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TFSL

TFS FINANCIAL CORPORATION
CIK 0001381668 ยท EDGAR โ†—
cleanelevatedtriggeredno dataplanned
3.0
composite ยท 2 signals ยท CLEAN

Every card below shows the score and the exact filing data it was computed from โ€” no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded โ€” never a guess.

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Signals

P-05 ยท FY 2025-09-30 ยท CLEAN3.0

Tax arbitrage

ETR 20.7% โ€” within normal range of statutory
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2025-11-25) โ†—
Evidence โ€” inputs and thresholds
{
  "etr_by_year": {
    "2025-09-30": 0.2071,
    "2024-09-30": 0.2066,
    "2023-09-30": 0.194
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2025-09-30": 0.0029,
    "2024-09-30": 0.0034,
    "2023-09-30": 0.016
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": false,
  "latest_filing_period": "2025-09-30",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1381668/000138166825000106/0001381668-25-000106-index.htm",
    "form": "10-K",
    "filed": "2025-11-25"
  }
}
P-07 ยท FY 2021-09-30 ยท CLEAN0.0

Pension underfunding

[FY2021 data, stale โ€” no more recent pension disclosure in XBRL] DB plan 111% funded
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2022-11-22) โ†—
Evidence โ€” inputs and thresholds
{
  "benefit_obligation": 88276000,
  "plan_assets": 97971000,
  "funded_ratio": 1.1098,
  "deficit": 9695000,
  "deficit_vs_equity": null,
  "thresholds": {
    "elevated": "<90% funded",
    "triggered": "<80% funded or deficit >25% of equity"
  },
  "stale": true,
  "latest_filing_period": "2025-09-30",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1381668/000138166822000128/0001381668-22-000128-index.htm",
    "form": "10-K",
    "filed": "2022-11-22"
  }
}