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WSFS Financial (WSFS) investor relations material
WSFS Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Core EPS reached $1.40, up 30% year-over-year, with core ROA at 1.48% and net income of $76.4 million, all reflecting strong sequential and annual growth.
Tangible book value per share increased 12% year-over-year to $32.11.
Wealth and Trust segment delivered double-digit fee revenue and pre-tax income growth; Cash Connect® profit margin improved to over 10%.
Returned $206.2 million of capital year-to-date, including $178.3 million in share repurchases (5.8% of shares) and $27.9 million in dividends.
Net interest margin was 3.91%, up 2bps quarter over quarter and 13bps year-over-year.
Financial highlights
Net interest income rose to $184.0 million, up 3% sequentially and 4% year-over-year.
Efficiency ratio improved to 59.5% from 61.1% a year ago.
Noninterest deposits grew 12% year-over-year, now over 30% of total deposits.
Loans down 1% linked quarter due to Upstart portfolio sale and Spring EQ runoff; residential mortgage and consumer loans up 5% and 3% respectively.
Book value per share rose to $49.67, up 9% year-over-year.
Outlook and guidance
Full-year outlook reaffirmed, including an additional October rate cut not previously assumed.
CET1 medium-term target set at ~12%; current CET1 at 14.39%.
FY GDP forecast of 1.9% in 2025 and 2.0% in 2026; unemployment forecast at 4.2% in 2025 and 4.4% in 2026.
Management remains focused on sustaining high performance into Q4 and executing the 2025-2027 Strategic Plan.
Full-year 2026 outlook to be provided in January with Q4 2025 results.
Detail Q3 asset quality improvements
Explain loan portfolio shifts in Q3
Identify key Q3 core fee revenue drivers
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Next WSFS Financial earnings date
Q4 202527 Jan, 2026
Next WSFS Financial earnings date
Q4 202527 Jan, 2026
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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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