Mar 31, 2021

WSFS Q1 2021 Earnings Report

WSFS reported a strong first quarter with diversified revenue and improving credit trends.

Key Takeaways

WSFS Financial Corporation reported a strong first quarter in 2021, with an EPS of $1.36 and an ROA of 1.85%. The results reflect diversified revenue streams and improving credit trends. The board also approved an 8% increase in the cash dividend.

Core ROA was 1.89% in 1Q 2021 compared to 0.39% for 1Q 2020.

Core EPS was $1.39 in 1Q 2021 compared to $0.23 for 1Q 2020.

Total net credit (recoveries) costs were $(19.0) million and net charge-offs were $3.8 million, or 0.18% of average gross loans during the quarter.

Core fee revenue (noninterest income) was $47.5 million, an increase of $8.0 million, or 20% compared to 1Q 2020.

Total Revenue
$114M
Previous year: $116M
-1.7%
EPS
$1.39
Previous year: $0.23
+504.3%
Efficiency Ratio
58.9%
Previous year: 56.3%
+4.6%
ROA
1.85%
ROE
14.9%
Gross Profit
$162M
Previous year: $157M
+3.2%
Cash and Equivalents
$2.06B
Previous year: $505M
+308.7%
Free Cash Flow
$68.4M
Previous year: $59.9M
+14.2%
Total Assets
$14.7B
Previous year: $12.3B
+20.0%

WSFS

WSFS

WSFS Revenue by Segment

Forward Guidance

The company expects to close the combination with Bryn Mawr in early 4Q 2021.

Revenue & Expenses

Visualization of income flow from segment revenue to net income