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Sep 30, 2025
WSFS Q3 2025 Earnings Report
WSFS reported strong Q3 2025 results with EPS up 27% year-over-year, supported by higher net interest income, improved asset quality, and stable margins.
Key Takeaways
WSFS Financial Corporation posted solid third quarter 2025 results driven by robust net interest income of $184.02 million, fee revenue strength in Wealth and Trust segments, and improved credit quality metrics. EPS rose to $1.37 with a net interest margin of 3.91% and ROA of 1.44%. Core EPS was $1.40, reflecting continued efficiency and profitability.
EPS of $1.37, up 27% year-over-year; core EPS of $1.40.
Net interest income rose to $184.02 million, supported by deposit growth and lower funding costs.
Net income reached $76.4 million, driven by improved asset quality and lower credit losses.
Strong fee performance across Wealth and Trust, Capital Markets, and Cash Connect.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
WSFS remains focused on maintaining strong asset quality, disciplined expense management, and continued execution of its strategic plan for sustainable long-term growth.
Positive Outlook
- Expect continued loan and deposit growth into Q4 2025.
- Asset quality expected to remain strong following large loan resolutions.
- Fee revenue to benefit from momentum in Wealth and Trust businesses.
- Net interest margin to remain stable near current levels.
- Strong capital position supports further share repurchases and dividends.
Challenges Ahead
- Potential margin pressure from lower loan yields if interest rates decline.
- Slower volume growth in Cash Connect due to lower ATM activity.
- Higher operating expenses driven by compensation and healthcare costs.
- Continued runoff from Upstart and Spring EQ loan portfolios.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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