Dec 31, 2021

WSFS Q4 2021 Earnings Report

WSFS reported Q4 2021 earnings with EPS of $1.18 and ROA of 1.45%.

Key Takeaways

WSFS Financial Corporation reported strong Q4 2021 results, including earnings per share of $1.18 and a return on average assets of 1.45%. The company successfully closed the acquisition of Bryn Mawr Trust on January 1, 2022. The quarter was marked by strong performance in fee businesses, a solid capital position, and improving credit metrics.

Received final regulatory approval for the Bryn Mawr Trust acquisition and announced a closing date of January 1, 2022.

Core ROA was 1.28% in 4Q 2021 compared to 1.67% for 4Q 2020.

Core EPS was $1.04 in 4Q 2021 compared to $1.16 for 4Q 2020.

Total net credit (recoveries) costs were $(8.2) million during the quarter, reflecting improved credit quality.

Total Revenue
$108M
Previous year: $123M
-12.0%
EPS
$1.04
Previous year: $1.16
-10.3%
Net Interest Margin
3.1%
Previous year: 3.93%
-21.1%
Efficiency Ratio
58.52%
Previous year: 55%
+6.4%
Gross Profit
$154M
Previous year: $170M
-9.1%
Cash and Equivalents
$1.05B
Previous year: $1.24B
-15.9%
Free Cash Flow
-$166M
Previous year: -$37.4M
+343.2%
Total Assets
$15.8B
Previous year: $14.3B
+10.1%

WSFS

WSFS

WSFS Revenue by Segment

Forward Guidance

As we turn towards 2022, we look forward to integrating Bryn Mawr Trust with our prior investments as we strengthen our position as the premier, locally headquartered bank and wealth management franchise in the Greater Philadelphia and Delaware region.

Revenue & Expenses

Visualization of income flow from segment revenue to net income