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WSFS Financial
WSFS Financial (WSFS) investor relations material
WSFS Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Delivered strong Q4 2025 results with core EPS of $1.43, core ROA of 1.42%, and core ROTCE of 18%, all up year-over-year, driven by broad-based loan and deposit growth, especially in Wealth and Trust and C&I lending.
Full-year 2025 core EPS was $5.21, up 19% over prior year; Q4 core EPS up 29% year-over-year.
Tangible book value per share increased 21% year-over-year to $33.11.
Returned $324.7 million to shareholders in 2025, including $287.5 million in share repurchases, representing 9.3% of outstanding shares.
Maintained capital ratios significantly above regulatory requirements, with CET1 at 13.92%.
Financial highlights
Net interest margin (NIM) was 3.83% for Q4 2025, down 8 bps sequentially but up 3 bps year-over-year despite 75 bps in rate cuts since Q4 2024.
Core fee revenue for Q4 2025 was $90.1M, up 2% sequentially and 8% year-over-year, with Wealth and Trust up 13% year-over-year.
Total gross loans grew 2% sequentially (9% annualized), with commercial C&I loans up 4% sequentially (15% annualized); consumer loans and residential mortgages showed strong momentum, growing a combined 20% QoQ annualized.
Total client deposits increased 2% sequentially (10% annualized); non-interest-bearing deposits grew 6% sequentially and now represent 32-33% of total deposits.
Efficiency ratio improved to 57.9% in Q4 2025; core efficiency ratio was 57.9%.
Outlook and guidance
2026 outlook assumes stable economy and three 25 bps rate cuts, with full-year core ROA of ~1.40% and double-digit core EPS growth.
Projects mid-single-digit loan and deposit growth, NIM around 3.80%, and disciplined expense management.
Fee revenue to grow mid-single digits (excluding Cash Connect); Wealth and Trust to grow double digits; Cash Connect revenue to decline but margin to improve.
Net charge-offs expected at 35-45 bps of average loans; efficiency ratio targeted in the high 50s.
Expects continued share buybacks in line with capital return framework.
What drove the 4Q25 delinquency increase?
Detail Wealth and Trust's fee revenue growth drivers.
What is the remaining share repurchase capacity?
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Next WSFS Financial earnings date
Q1 202624 Apr, 2026
WSFS Financial
Next WSFS Financial earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
WSFS Financial Corporation is the parent company of WSFS Bank, a regional financial institution providing a range of banking, wealth management, and trust services. The bank offers personal and business deposit accounts, lending solutions, mortgage banking, and treasury management services. WSFS also provides investment management, trust, and fiduciary services through its wealth management division, serving individuals and institutions across its markets in the U.S. Mid-Atlantic region. The company is headquartered in Wilmington, Delaware, and its shares are listed on the NASDAQ.
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