TFS Financial Corporation
US ˙ NasdaqGS ˙ US87240R1077

Introduction

This page provides a comprehensive analysis of the known insider trading history of Benjamin Stefanski Gavin. Insiders are officers, directors, or significant investors in a company. It is illegal for insiders to make trades in their companies based on specific, non-public information. This does not mean it is illegal for them to make any trades in their own companies. However, they must report all trades to the SEC via a Form 4. Despite these restrictions, academic research suggests that insiders - in general - tend to outperform the market in their own companies.

Average Trade Profitability

The average trade profitability is the average return of all the open market purchases made by the insider in the last three years. To calculate this, we examine every open-market, unplanned purchase made by the insider, excluding all trades that were marked as part of a 10b5-1 trading plan. We then calculate the average performance of those trades over 3, 6, and 12 months, averaging each of those durations to generate a final performance metric for each trade. Finally, we average all of the performance metrics to calculate a performance metric for the insider. This list only includes insiders that have made at least three trades in the last two years.

If this insiders trade profitability is "N/A", then the insider either has not made any open-market purchases in the last three years, or the trades they’ve made are too recent to calculate a reliable performance metric.

Update Frequency: Daily

See the list of most profitable insider traders.

Companies with Reported Insider Positions

The SEC filings indicate Benjamin Stefanski Gavin has reported holdings or trades in the following companies:

Security Title Latest Reported Holdings
US:TFSL / TFS Financial Corporation Chief Experience Officer 32,766
How to Interpret the Charts

The following charts show the stock performance of securities subsequent to each open-market, non-planned trade made by Benjamin Stefanski Gavin. Non-planned trade are trades that were not made as part of a 10b5-1 trading plan. The stock performance is charted as cumulative percent change in share price. For example, if an insider trade was made on January 1, 2019, the chart will show the daily percent change of the security to the present day. If the share price were to go from $10 to $15 during this time, the cumulative percent change in share price would be 50%. A change in price from $10 to $20 would be 100%, and a change in price of $10 to $5 would be -50%.

Ultimately, we are trying to determine how closely the insider’s trades correlate to excess returns (positive or negative) in the share price in order to see if the insider is timing their trades to profit from insider information. Consider the situation where an insider was doing this. In this situation, we would expect either (a) positive returns after purchases, or (b) negative returns after sales. In the case of (a), the PURCHASE chart would show a series of upwardly sloping curves, indicating positive returns after each purchase transaction. In the case of (b), the SALE chart would show a series of downward sloping curves, indicating negative returns after each sale transaction.

However, this alone is not enough to draw conclusions. If, for example, the share price of the company was in a non-cyclical climb over many years, then we would expect all the post-purchase plots to be upwardly sloping. Likewise, non-cyclical declines over many years would result in downward sloping post-trade plots. Neither of these charts would suggest insider trading activity.

The strongest indicator would be a situation where the share price was extremely cyclical, and there were both positive signals in the PURCHASE chart and negative plots on the SALE chart. This situation would be highly suggestive of an insider that was timing trades to their financial advantage.

Insider Purchases TFSL / TFS Financial Corporation - Short Term Profit Analysis

In this section, we analyze the profitability of every unplanned, open-market insider purchase made in TFSL / TFS Financial Corporation. This analysis helps to understand if the insider consistently generates abnormal returns, and is worth following. This analysis is for one-year following each trade, and the results are theoretical.

The following table shows the most recent open market purchases that were not part of an automatic trading plan.

Trade Date Ticker Insider Reported
Shares
Reported
Price
Adjusted
Shares
Adjusted
Price
Cost Basis Days to
Max
Price at
Max
Max
Profit ($)
Max Return (%)
There are no known unplanned open-market trades for this insider and security combination

Adjusted Price is the split-adjusted price. Adjusted Shares is the split-adjusted shares.

TFSL / TFS Financial Corporation Insider Trades
Insider Sales TFSL / TFS Financial Corporation - Short Term Loss Analysis

In this section, we analyze the short-term loss avoidance of every unplanned, open-market insider sale made in TFSL / TFS Financial Corporation. A consistent pattern of loss avoidance may suggest that future sale transactions may predict declines in price. This analysis is for one-year following each trade, and the results are theoretical.

The following table shows the most recent open market sales that were not part of an automatic trading plan.

Trade Date Ticker Insider Reported
Shares
Reported
Price
Adjusted
Shares
Adjusted
Price
Cost Basis Days to
Min
Price at
Min
Max Loss
Avoided ($)
Max Loss
Avoided (%)
2025-05-13 TFSL Gavin Benjamin Stefanski 3,505 13.4700 3,505 13.4700 47,212 35 12.5700 -3,154 -6.68
2025-02-07 TFSL Gavin Benjamin Stefanski 7,000 13.7200 7,000 13.7200 96,040
2024-02-29 TFSL Gavin Benjamin Stefanski 3,449 12.7363 3,449 12.7363 43,927
2023-08-31 TFSL Gavin Benjamin Stefanski 5,000 13.5945 5,000 13.5945 67,972
2023-08-24 TFSL Gavin Benjamin Stefanski 5,000 13.7338 5,000 13.7338 68,669

Adjusted Price is the split-adjusted price. Adjusted Shares is the split-adjusted shares.

TFSL / TFS Financial Corporation Insider Trades
Insider Trading History

This table shows the complete list of insider trades made by Benjamin Stefanski Gavin as disclosed to the Securities Exchange Commission (SEC).

File Date Tran Date Form Ticker Security Code 10b5-1 Shares Remaining Shares Percent
Change
Share
Price
Tran
Value
Remaining
Value
2025-05-13 2025-05-13 4 TFSL TFS Financial CORP
Common Stock
S - Sale -3,505 32,766 -9.66 13.47 -47,212 441,358
2025-02-10 2025-02-07 4 TFSL TFS Financial CORP
Common Stock
S - Sale -7,000 36,271 -16.18 13.72 -96,040 497,638
2024-03-01 2024-02-29 4 TFSL TFS Financial CORP
Common Stock
S - Sale -3,449 43,271 -7.38 12.74 -43,927 551,112
2023-12-12 2023-12-08 4 TFSL TFS Financial CORP
Common Stock
F - Taxes -3,035 46,720 -6.10 13.45 -40,821 628,384
2023-12-12 2023-12-08 4 TFSL TFS Financial CORP
Common Stock
M - Exercise 10,000 49,755 25.15 13.45 134,500 669,205
2023-09-05 2023-08-31 4/A TFSL TFS Financial CORP
Common Stock
S - Sale -5,000 39,755 -11.17 13.59 -67,972 540,449
2023-08-24 2023-08-24 4 TFSL TFS Financial CORP
Common Stock
S - Sale -5,000 39,755 -11.17 13.73 -68,669 545,987
2023-08-10 2023-08-10 4 TFSL TFS Financial CORP
Common Stock
G - Gift 6,000 44,755 15.48
2022-08-11 2022-08-10 4 TFSL TFS Financial CORP
Common Stock
G - Gift 6,000 38,755 18.32
2022-07-22 2022-07-21 4 TFSL TFS Financial CORP
Common Stock
G - Gift 5,000 32,755 18.01
2022-04-06 3 TFSL TFS Financial CORP
Common Stock
27,755
2022-04-06 3 TFSL TFS Financial CORP
Common Stock
1,857
P
Open market or private purchase of non-derivative or derivative security
S
Open market or private sale of non-derivative or derivative security
A
Grant, award, or other acquisition of securities from the company (such as an option)
C
Conversion of derivative
D
Sale or transfer of securities back to the company
F
Payment of exercise price or tax liability using portion of securities received from the company
G
Gift of securities by or to the insider
K
Equity swaps and similar hedging transactions
M
Exercise or conversion of derivative security received from the company (such as an option)
V
A transaction voluntarily reported on Form 4
J
Other (accompanied by a footnote describing the transaction)