Jun 30, 2021

WSFS Q2 2021 Earnings Report

WSFS reported a strong Q2 2021 with EPS of $2.01 and ROA of 2.60%, reflecting the strength of its diversified business model and a $67.6 million ACL release.

Key Takeaways

WSFS Financial Corporation reported a strong second quarter of 2021, with significant improvement in credit metrics and solid growth in fee businesses. The company's EPS reached $2.01 and ROA was 2.60%. A notable $67.6 million release from the allowance for credit losses contributed to the positive results.

Core ROA was 2.59% in 2Q 2021 compared to (0.73)% for 2Q 2020.

Core EPS was $2.00 in 2Q 2021 compared to $(0.46) for 2Q 2020.

Total net credit (recoveries) costs were $(68.1) million during the quarter, driven by a $72.4 million decrease in the allowance for credit losses (ACL).

Core fee revenue (noninterest income) was $43.8 million, an increase of $3.3 million, or 8%, compared to 2Q 2020.

Total Revenue
$107M
Previous year: $109M
-2.0%
EPS
$2
Previous year: -$0.46
-534.8%
Efficiency Ratio
61.6%
Previous year: 52.4%
+17.6%
Gross Profit
$156M
Previous year: $178M
-12.6%
Cash and Equivalents
$2.42B
Previous year: $583M
+315.1%
Free Cash Flow
$17.7M
Previous year: $17.7M
-0.1%
Total Assets
$15.1B
Previous year: $13.6B
+11.6%

WSFS

WSFS

WSFS Revenue by Segment

Forward Guidance

WSFS anticipates closing the merger with Bryn Mawr in early Q4 2021, pending remaining regulatory approval.

Revenue & Expenses

Visualization of income flow from segment revenue to net income