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WSFS Financial (WSFS) investor relations material
WSFS Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
EPS reached $1.27, ROA was 1.39%, and ROTCE was 18.08%, all up sequentially; core fee revenue grew 9% quarter over quarter, led by Wealth and Trust up 17% year-over-year.
NIM increased to 3.89%, up 1bp sequentially and 4bps year-over-year, despite absorbing 100bps of rate declines.
$87.3M returned to shareholders in Q2, including $77.7M in buybacks (2.7% of shares) and $9.6M in dividends; YTD buybacks total 4.4% of shares.
Sale of most Upstart unsecured consumer loans accelerated runoff of non-strategic assets.
Board approved a 13% dividend increase and a new 10% share repurchase authorization.
Financial highlights
Net income for Q2 2025 was $72.3M, up from $65.9M in 1Q25 and $69.3M in Q2 2024; core PPNR was $107.8M, up 3% QoQ.
Net interest income was $179.5M, up 2% from 1Q25 and 3% year-over-year.
Core fee revenue reached $88.0M, up 9% QoQ and 2% YoY, mainly from Wealth and Trust and BMT of DE.
Efficiency ratio at 59.5%, with a core efficiency ratio of 59.6%, stable QoQ.
Book value per share was $47.71, and tangible book value per share was $30.32, up 20% year-over-year.
Outlook and guidance
FY 2025 core ROA outlook raised to ~1.3%; NIM guidance increased to ~3.85% with two 25bp rate cuts assumed.
Commercial loan growth revised to low-single digits; consumer flat excluding Upstart.
Double-digit fee revenue growth expected in Wealth and Trust; overall fee revenue to grow low single digits due to Cash Connect headwinds.
Net charge-offs expected between 35–45 bps of average loans for the year, excluding Upstart.
Management expects sufficient liquidity and capital to support growth and maintain well-capitalized status over the next 12 months.
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Next WSFS Financial earnings date
Q3 202524 Oct, 2025
Next WSFS Financial earnings date
Q3 202524 Oct, 2025
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Frequently asked questions
WSFS Financial Corporation is the parent company of WSFS Bank, a regional financial institution providing a range of banking, wealth management, and trust services. The bank offers personal and business deposit accounts, lending solutions, mortgage banking, and treasury management services. WSFS also provides investment management, trust, and fiduciary services through its wealth management division, serving individuals and institutions across its markets in the U.S. Mid-Atlantic region. The company is headquartered in Wilmington, Delaware, and its shares are listed on the NASDAQ.
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