Jun 30, 2023

WSFS Q2 2023 Earnings Report

Reported solid loan and deposit growth, with a NIM of 4.11% and a diversified fee revenue increase of 6% from Q1 2023.

Key Takeaways

WSFS Financial Corporation reported a strong second quarter in 2023, with earnings per share of $1.12 and a return on average assets of 1.36%. The results reflect solid loan and deposit growth, a net interest margin of 4.11%, and a diversified fee revenue increase of 6% from the first quarter of 2023. The company's balance sheet remains strong with stable credit metrics and capital levels above well-capitalized.

Core EPS was $1.16, compared to $1.02 for Q2 2022.

Core ROA was 1.41%, compared to 1.27% for Q2 2022.

Customer deposits increased by $380.1 million, or 2% for the quarter, driven by transactional Trust and Wealth deposits.

Net interest margin was 4.11%, compared to 4.25% for Q1 2023, reflecting increasing deposit betas, partially offset by higher loan yields.

Total Revenue
$182M
Previous year: $154M
+18.4%
EPS
$1.16
Previous year: $1.02
+13.7%
Net Interest Margin
4.11%
Previous year: 3.4%
+20.9%
Efficiency Ratio
56.7%
Previous year: 59.3%
-4.4%
ROA
1.36%
Gross Profit
$248M
Previous year: $226K
+109712.8%
Cash and Equivalents
$1.12B
Previous year: $1.68B
-33.5%
Free Cash Flow
$91.4M
Previous year: $178M
-48.7%
Total Assets
$20.4B
Previous year: $20.6B
-0.8%

WSFS

WSFS

WSFS Revenue by Segment

Forward Guidance

Management will conduct a conference call to review 2Q 2023 results at 1:00 p.m. Eastern Time (ET) on Tuesday, July 25, 2023.

Revenue & Expenses

Visualization of income flow from segment revenue to net income