Sep 30, 2023

WSFS Q3 2023 Earnings Report

WSFS reported solid loan growth, NIM of 4.08%, and a fee revenue increase of 9% while maintaining strong liquidity and capital levels.

Key Takeaways

WSFS Financial Corporation reported a strong third quarter in 2023, with an EPS of $1.22 and an ROA of 1.45%. The company saw solid loan growth, a net interest margin of 4.08%, and a 9% increase in fee revenue. WSFS also maintained strong liquidity and capital levels.

Core EPS was $1.23, flat compared to Q3 2022.

Net loan growth of 3% from 2Q 2023, driven by growth across the commercial portfolio and consumer partnership with Spring EQ.

Net interest margin was 4.08%, reflecting increasing deposit betas, partially offset by higher loan yields.

Core fee revenue was a record $73.4 million, an increase of 9% compared to 2Q 2023.

Total Revenue
$183M
Previous year: $177M
+3.3%
EPS
$1.23
Previous year: $1.23
+0.0%
Net Interest Margin
4.08%
Previous year: 0.04%
+10125.6%
Efficiency Ratio
54.64%
Previous year: 55.4%
-1.4%
Cash and Equivalents
$611M
Previous year: $1.03B
-40.7%
Free Cash Flow
$164M
Previous year: $165M
-0.2%
Total Assets
$20B
Previous year: $20B
+0.3%

WSFS

WSFS

WSFS Revenue by Segment

Forward Guidance

WSFS anticipates continued uncertainty in the near-term outlook for the Greater Philadelphia and Delaware regional economy.