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Dec 31, 2025
WSFS Q4 2025 Earnings Report
WSFS Financial Corporation reported strong fourth quarter 2025 results driven by loan and deposit growth, with core EPS of $1.43 and core ROA of 1.42%.
Key Takeaways
WSFS Financial Corporation announced strong financial results for the fourth quarter and full year of 2025, with significant increases in core EPS and ROA. The performance was primarily driven by robust loan and deposit growth, particularly in fee-based businesses like Wealth and Trust, and strong commercial loan funding.
Core EPS increased 29% year-over-year to $1.43, reflecting strong quarterly performance.
Core ROA rose 18bps year-over-year to 1.42%, indicating improved asset utilization.
Wealth and Trust segment delivered double-digit (13%) year-over-year growth, contributing significantly to fee revenue.
Broad-based loan growth of 2% quarter-over-quarter, led by C&I and WSFS-originated consumer and residential mortgages, alongside 2% client deposit growth.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
WSFS enters 2026 with positive momentum, building on a successful 2025, and is focused on executing its Strategic Plan, with continued investment in the franchise and talent additions in key business areas.
Positive Outlook
- Positive momentum entering 2026, moving into the second year of the Strategic Plan.
- Continued growth opportunities expected in fee revenue diversification.
- Focus on expense discipline while continuing to invest in the franchise.
- Highest quarterly Commercial loan funding in over two years, indicating strong market share gains.
- Strong capital ratios, all substantially in excess of 'well-capitalized' regulatory benchmarks.
Challenges Ahead
- Unrealized write-down of an equity investment impacting financial results.
- Increase to Visa B derivative liability affecting financial performance.
- Early extinguishment of senior debt incurred during the quarter.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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