TFS Financial Corporation

Item 2.02 Results of Operations and Financial Condition. On July 30, 2026, TFS Financial Corporation (the "Company”), the holding company for Third Federal Savings and Loan Association of Cleveland (the "Association"), issued a press release announcing its operating results for the three and nine months ended June 30, 2026. A copy of the press release is attached as Exhibit 99.1 to this Report. The information contained in this Item 2.02 and in the accompanying exhibit 99.1 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(a)(2) of the Securities Act of 1933, as amended.

Item 8.01 Other Events. On July 30, 2026, Third Federal Savings and Loan Association of Cleveland, MHC (the “MHC”), the mutual holding company of TFS Financial Corporation, announced that it had received the non-objection of the Federal Reserve Bank of Cleveland to waive receipt of dividends on the shares of stock it owns of TFS Financial Corporation, up to $1.27 per share during the 12 months ending July 7, 2027. Actual dividends during that period are declared at the discretion of the Company’s board of directors. The MHC is the mutual holding company and owner of 227,119,132 shares, or 81% of the Company’s common stock outstanding, and on July 7, 2026 received the approval of its members (mainly depositors of Third Federal) with respect to the waiver. The members approved the waiver by casting 59% of the eligible votes, with 97% of the votes cast in favor of the waiver. The MHC previously waived the receipt of dividends paid by the Company in an aggregate amount of $1.13 per share during the four quarters ended June 30, 2026. 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