The earnings call highlighted strong financial performance and growth in several business segments, as well as significant capital returns to shareholders. However, there are some challenges, such as the impact of the Upstart sale and anticipated interest rate cuts affecting NIM, as well as revenue declines in specific areas. Despite these challenges, the overall outlook remains positive with strong core metrics.

Company Guidance -

Q3 2025

During the second quarter of fiscal year 2025, WSFS Financial Corporation reported strong financial performance with core earnings per share reaching $1.27, a core return on assets of 1.3%, and a core return on tangible common equity of 18.03%. The core net interest margin expanded by 1 basis point to 3.89%, driven by a reduction in total funding costs of 9 basis points and a deposit beta of 43% for the quarter. Core fee revenue saw a 9% quarter-over-quarter increase, with significant contributions from wealth, capital markets, and mortgage services. Client deposits increased by 1% from the previous quarter and 5% year-over-year, with noninterest deposits now comprising over 30% of total client deposits. Gross loans remained flat quarter-over-quarter, though there was notable growth in commercial and consumer segments, including a 2% linked quarter increase in commercial and industrial (C&I) loans and an 8% increase in HELOCs. Net charge-offs were reported at 30 basis points, with problem asset levels stable and non-performing assets declining to 51 basis points of total assets. WSFS returned $87.3 million of capital in the quarter, primarily through buybacks amounting to 2.7% of outstanding shares, and raised its return on assets outlook for the year to approximately 1.30%, expecting continued momentum in its home lending and fee businesses.

Strong Core Earnings and Financial Metrics

Core earnings per share of $1.27, core return on assets of 1.3%, and core return on tangible common equity of 18.03%, all of which are up from the first quarter. Core net interest margin expanded by 1 basis point to 3.89%.

Growth in Core Fee Revenue

Core fee revenue increased by 9% quarter-over-quarter, with notable growth in wealth (17% year-over-year increase), capital markets, and mortgage segments. Noninterest deposits grew 11% year-over-year.

Successful Loan Growth

Strong commercial and consumer loan growth, with C&I loan balances growing 2% linked quarter. Residential mortgage and HELOCs increased by 2% and 8% linked quarter, respectively.

Capital Return to Shareholders

Returned $87.3 million of capital in the second quarter, including $77.7 million in buybacks (2.7% of outstanding shares). Year-to-date capital return is approximately $150 million, representing 4.4% of outstanding shares.

Positive Midyear Outlook

Increased ROA outlook for the year to approximately 1.30%. Raised NIM outlook to approximately 3.85%.

Wsfs Financial (WSFS) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

WSFS Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	1.25 / -	1.08	―	―	―
Jul 24, 2025	2025 (Q2)	1.13 / 1.27	1.08	17.59% (+0.19)
Apr 24, 2025	2025 (Q1)	1.05 / 1.13	1.11	1.80% (+0.02)
Jan 27, 2025	2024 (Q4)	0.97 / 1.11	1.15	-3.48% (-0.04)
Oct 24, 2024	2024 (Q3)	1.06 / 1.08	1.23	-12.20% (-0.15)
Jul 25, 2024	2024 (Q2)	1.04 / 1.08	1.16	-6.90% (-0.08)
Apr 25, 2024	2024 (Q1)	1.07 / 1.11	1.02	8.82% (+0.09)
Jan 25, 2024	2023 (Q4)	1.05 / 1.15	1.38	-16.67% (-0.23)
Oct 23, 2023	2023 (Q3)	1.04 / 1.23	1.23	0.00% (0.00)
Jul 24, 2023	2023 (Q2)	1.10 / 1.16	1.02	13.73% (+0.14)

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
Jul 24, 2025	$56.43	$56.18	-0.44%
Apr 24, 2025	$51.82	$51.33	-0.95%
Jan 27, 2025	$54.30	$55.03	+1.34%
Oct 24, 2024	$50.15	$48.54	-3.21%

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 (WSFS) report earnings?

Wsfs Financial (WSFS) is schdueled to report earning on Oct 27, 2025, After Close (Confirmed).

What is Wsfs Financial (WSFS) earnings time?

Wsfs Financial (WSFS) earnings time is at Oct 27, 2025, 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 2025 (Q3) is 1.25.

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