)
Visual
test
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?
Detail Cash Connect margin drivers
What sustains NIB deposit growth drivers?
Loan portfolio risk-adjusted return strategy?
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from WSFS Financial
- Q2 2024 saw core EPS of $1.08, 13% fee growth, and strong capital and asset quality.WSFS
Q2 20242 Feb 2026 - Q3 2024 delivered loan and fee growth, strong capital, but rising asset quality pressures.WSFSQ3 202418 Jan 2026
- Strong Q4 and FY24 results, record Wealth & Trust fees, and robust 2025 outlook.WSFSQ4 20249 Jan 2026
- Core EPS $1.13, NIM 3.88%, CET1 14.1%, 13% dividend hike, Wealth/Trust up 19%.WSFSQ1 202524 Dec 2025
- Stockholders to vote on directors, executive pay, and auditor amid strong results and ESG focus.WSFSProxy Filing1 Dec 2025
- Virtual annual meeting to vote on directors, pay, and auditor, with ESG materials online.WSFSProxy Filing1 Dec 2025
- Core EPS up 30% YoY, NIM at 3.91%, and capital returns and asset quality improved.WSFSQ3 20254 Nov 2025
- EPS rose to $1.27 with strong fee growth, robust capital, and improved portfolio focus.WSFSQ2 202531 Jul 2025
Next WSFS Financial earnings date
Q1 202624 Apr, 2026
WSFS Financial
Next WSFS Financial earnings date
Q1 202624 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Explore our global coverage