Dec 31, 2020

WSFS Q4 2020 Earnings Report

WSFS reported strong Q4 results driven by NIM and diversified fee income, and repurchased shares.

Key Takeaways

WSFS Financial Corporation reported a strong fourth quarter with earnings per share of $1.20 and a return on average assets of 1.73%. The results were driven by a net interest margin of 3.93% and diversified fee income. The company repurchased 6% of its shares during the quarter and maintained strong ACL and capital levels.

Core ROA was 1.67% in 4Q 2020 compared to 1.63% for 4Q 2019.

Core EPS was $1.16 in 4Q 2020 compared to $0.96 for 4Q 2019.

WSFS repurchased 2,946,507 shares, or 6% of our outstanding common stock, totaling $116.3 million in 4Q 2020.

Total net credit (recoveries) costs were $(0.5) million and net charge-offs were $3.0 million, or 0.13% of average gross loans during the quarter.

Total Revenue
$123M
Previous year: $118M
+4.6%
EPS
$1.16
Previous year: $0.96
+20.8%
Net Interest Margin
3.93%
Previous year: 4.35%
-9.7%
Efficiency Ratio
55%
Previous year: 61.5%
-10.6%
Gross Profit
$170M
Previous year: $159M
+6.5%
Cash and Equivalents
$1.24B
Previous year: $164M
+658.9%
Free Cash Flow
-$37.4M
Previous year: $11.3M
-429.9%
Total Assets
$14.3B
Previous year: $12.3B
+17.0%

WSFS

WSFS

WSFS Revenue by Segment

Forward Guidance

The company continues to make significant investments to capture organic growth opportunities.

Revenue & Expenses

Visualization of income flow from segment revenue to net income