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Wsfs Financial Corp. (WSFS)
NASDAQ:WSFS
Earnings Data
Report Date
Apr 23, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.3Last Year’s EPS
1.13Same Quarter Last Year
Moderate Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized strong operating performance, double-digit core EPS growth, resilient margins year-over-year, robust fee and deposit momentum, disciplined capital returns, and an optimistic 2026 outlook with targeted loan and deposit growth and manageable NIM. Offsetting items included a modest linked-quarter NIM decline, a short-term increase in delinquencies and higher quarterly net charge-offs driven by specific problem loans, and expected Cash Connect top-line pressure from rate cuts. Management presented concrete mitigants (deposit repricing, hedges, securities strategy, expense discipline) and maintained constructive guidance, resulting in positives materially outweighing the challenges.Company Guidance
Strong Core Earnings and Returns
Q4 core EPS of $1.43 (up 29% YoY) and full-year 2025 core EPS of $5.21 (up 19% YoY). Q4 core ROA of 1.42% and full-year core ROA of 1.39%; core return on tangible common equity of 18% (Q4 and full year).
Net Interest Margin Resilience
Q4 NIM of 3.83%, down 8 bps linked quarter (including a 4 bps impact from a prior one-time interest recovery) but up 3 bps YoY while absorbing ~75 bps of rate cuts since Q4 2024; management outlook for full-year 2026 NIM approximately 3.80%.
Recurring Fee Revenue and Wealth & Trust Momentum
Core fee revenue rose 2% linked quarter and 8% YoY; Wealth & Trust grew 13% YoY with WSFS Institutional Services up 29% and BMT of Delaware up 24%. Fee businesses contribute ~1/3 of total revenue and are expected to grow mid-single digits (ex-Cash Connect) with Wealth & Trust targeted to grow double digits in 2026.
Loan Growth and Commercial Momentum
Total gross loans increased 2% linked quarter (9% annualized) with commercial C&I growth of 4% linked quarter (15% annualized). Residential mortgage and WSFS-originated consumer loans grew 5% linked quarter; the quarter included the largest fundings in over two years.
Deposit Growth and Strong Low-Cost Funding
Total client deposits up 2% linked quarter (10% annualized). Noninterest-bearing deposits grew 6% linked quarter and now represent 32% of total client deposits. Exit deposit beta for December was 43%.
Improved Asset Quality and Controlled Credit Outlook
Problem assets meaningfully improved and nonperforming assets ended the year at the lowest level in over two years and down ~40% versus year-end 2024. Full-year 2025 net charge-offs were 40 bps (excluding Upstart) and management guidance for 2026 net charge-offs is 35–45 bps of average loans.
Capital Return and Buyback Activity
Q4 capital returned of $119 million, including $109 million of buybacks (3.7% of outstanding shares). Total 2025 buybacks were $288 million (over 9% of outstanding shares). Management plans to maintain elevated buybacks toward a ~12% capital target while retaining discretion based on conditions.
Practical Balance Sheet / Hedging Actions
Securities portfolio targeted to remain ~21% of assets and reinvestment yields are materially higher than existing portfolio (management cited ~2.35% current portfolio yield vs reinvestment at ~4.3–4.4%, ~200 bps uplift). Hedging program: ~$1.3 billion of hedges currently in the money (would be ~$1.5 billion after another rate cut).
WSFS Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
WSFS Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 26, 2026 | $57.92 | $61.67 | +6.47% |
Oct 23, 2025 | $52.63 | $52.85 | +0.42% |
Jul 24, 2025 | $56.25 | $56.00 | -0.44% |
Apr 24, 2025 | $51.66 | $51.17 | -0.94% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Wsfs Financial Corp. (WSFS) report earnings?
Wsfs Financial Corp. (WSFS) is schdueled to report earning on Apr 23, 2026, After Close (Confirmed).
What is Wsfs Financial Corp. (WSFS) earnings time?
Wsfs Financial Corp. (WSFS) earnings time is at Apr 23, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is WSFS EPS forecast?
WSFS EPS forecast for the fiscal quarter 2026 (Q1) is 1.3.