<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/ownership" xmlns:ns2="http://www.sec.gov/edgar/common">
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        <submissionType>144</submissionType>
        <filerInfo>
            <filer>
                <filerCredentials>
                    <cik>0001388161</cik>
                    <ccc>XXXXXXXX</ccc>
                </filerCredentials>
            </filer>
            <liveTestFlag>LIVE</liveTestFlag>



        </filerInfo>
    </headerData>
    <formData>
        <issuerInfo>
            <issuerCik>0001381668</issuerCik>
            <issuerName>TFS FINANCIAL CORP.</issuerName>
            <secFileNumber>001-33390</secFileNumber>
            <issuerAddress>
                <ns2:street1>7007 Broadway Avenue</ns2:street1>
                <ns2:city>Cleveland</ns2:city>
                <ns2:stateOrCountry>OH</ns2:stateOrCountry>
                <ns2:zipCode>44105</ns2:zipCode>
            </issuerAddress>
            <issuerContactPhone>(216) 441-6000</issuerContactPhone>
            <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>MARC STEFANSKI</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
            <relationshipsToIssuer>
                <relationshipToIssuer>Officer</relationshipToIssuer>
                <relationshipToIssuer>Director</relationshipToIssuer>
            </relationshipsToIssuer>
        </issuerInfo>
        <securitiesInformation>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <brokerOrMarketmakerDetails>
                <name>Morgan Stanley Smith Barney LLC</name>
                <address>
                    <ns2:street1>1 New York Plaza</ns2:street1>
                    <ns2:street2>38th Floor</ns2:street2>
                    <ns2:city>New York</ns2:city>
                    <ns2:stateOrCountry>NY</ns2:stateOrCountry>
                    <ns2:zipCode>10004</ns2:zipCode>
                </address>
            </brokerOrMarketmakerDetails>
            <noOfUnitsSold>300</noOfUnitsSold>
            <aggregateMarketValue>4476.00</aggregateMarketValue>
            <noOfUnitsOutstanding>280329098</noOfUnitsOutstanding>
            <approxSaleDate>08/14/2023</approxSaleDate>
            <securitiesExchangeName>NASD</securitiesExchangeName>
        </securitiesInformation>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>08/14/2023</acquiredDate>
            <natureOfAcquisitionTransaction>Stock Option Exercise</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>300</amountOfSecuritiesAcquired>
            <paymentDate>08/14/2023</paymentDate>
            <natureOfPayment>Cash</natureOfPayment>
        </securitiesToBeSold>
        <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
        <securitiesSoldInPast3Months>
            <sellerDetails>
                <name>MARC STEFANSKI</name>
                <address>
                    <ns2:street1>7007 Broadway Avenue</ns2:street1>
                    <ns2:city>Cleveland</ns2:city>
                    <ns2:stateOrCountry>OH</ns2:stateOrCountry>
                    <ns2:zipCode>44105</ns2:zipCode>
                </address>
            </sellerDetails>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <saleDate>08/11/2023</saleDate>
            <amountOfSecuritiesSold>11813</amountOfSecuritiesSold>
            <grossProceeds>176727.21</grossProceeds>
        </securitiesSoldInPast3Months>
        <noticeSignature>
            <noticeDate>08/14/2023</noticeDate>
            <planAdoptionDates/>
            <signature>/s/ Marc A Stefanski</signature>
        </noticeSignature>
    </formData>
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144
0001388161
XXXXXXXX
LIVE
0001381668
TFS FINANCIAL CORP.
001-33390
7007 Broadway Avenue
Cleveland
OH
44105
(216) 441-6000
MARC STEFANSKI
Officer
Director
Common
Morgan Stanley Smith Barney LLC
1 New York Plaza
38th Floor
New York
NY
10004
300
4476.00
280329098
08/14/2023
NASD
Common
08/14/2023
Stock Option Exercise
Issuer
N
300
08/14/2023
Cash
N
MARC STEFANSKI
7007 Broadway Avenue
Cleveland
OH
44105
Common
08/11/2023
11813
176727.21
08/14/2023
/s/ Marc A Stefanski