Basic earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. For purposes of computing earnings per share amounts, outstanding shares include shares held by the public, shares held by the ESOP that have been allocated to participants or committed to be released for allocation to participants, and the 227,119,132 shares held by Third Federal Savings, MHC. For purposes of computing dilutive earnings per share, stock options and restricted and performance share units with a dilutive impact are added to the outstanding shares used in the basic earnings per share calculation. Unvested shares awarded pursuant to the Company's restricted stock plans are treated as participating securities in the computation of EPS pursuant to the two-class method as they contain nonforfeitable rights to dividends. The two-class method is an earnings allocation that determines EPS for each class of common stock and participating security. Performance share units, determined to be contingently issuable and not participating securities, are excluded from the calculation of basic EPS. At June 30, 2025 and 2024, the ESOP held 1,950,026 and 2,383,366 shares, respectively, that were neither allocated to participants nor committed to be released to participants.


	For the Three Months Ended June 30,
	2025					2024
	Income		Shares	Per share amount		Income		Shares	Per share amount
	(Dollars in thousands, except per share data)
Net income	$	21,513				$	19,953
Less: income allocated to restricted stock units	363					343
Basic earnings per share:
Income available to common shareholders	21,150		278,832,875	$	0.08	19,610		278,291,376	$	0.07
Diluted earnings per share:
Effect of dilutive potential common shares			1,040,399					929,984
Income available to common shareholders	$	21,150	279,873,274	$	0.08	$	19,610	279,221,360	$	0.07


	For the Nine Months Ended June 30,
	2025					2024
	Income		Shares	Per share amount		Income		Shares	Per share amount
	(Dollars in thousands, except per share data)
Net income	$	64,960				$	61,373
Less: income allocated to restricted stock units	1,076					1,090
Basic earnings per share:
Income available to common shareholders	63,884		278,699,423	$	0.23	60,283		278,104,352	$	0.22
Diluted earnings per share:
Effect of dilutive potential common shares			1,017,322					967,735
Income available to common shareholders	$	63,884	279,716,745	$	0.23	$	60,283	279,072,087	$	0.22