WSFS announces increased buyback plans and growth targets for its pipeline following strong asset quality improvements in Q3.
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 24 2025
0mins
Should l Buy WSFS?
Source: SeekingAlpha
Management Performance: WSFS Financial Corporation reported a core EPS of $1.40 for Q3 2025, with significant year-over-year increases in core net income (21%) and core earnings per share (30%). The net interest margin expanded to 3.91%, and asset quality metrics improved, with total net credit costs decreasing.
Capital Management: The company returned $56.3 million in capital during Q3, including $46.8 million in share buybacks, and plans to maintain an elevated buyback pace to reach a capital target of 12%. Analysts showed interest in the company's capital deployment strategies and asset quality management.
Outlook and Growth: WSFS aims to sustain its full-year outlook despite potential macroeconomic challenges, focusing on balancing loan runoff with growth in home lending and consumer portfolios. The commercial pipeline has strengthened, indicating positive future growth prospects.
Risks and Strategic Focus: Management acknowledged ongoing risks from macroeconomic volatility and interest rate changes, emphasizing a conservative approach to reserve management. The company remains confident in its diversified business model and strategic execution to navigate these challenges.
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Analyst Views on WSFS
Wall Street analysts forecast WSFS stock price to fall
4 Analyst Rating
2 Buy
2 Hold
0 Sell
Moderate Buy
Current: 66.510
Low
62.00
Averages
64.25
High
67.00
Current: 66.510
Low
62.00
Averages
64.25
High
67.00
About WSFS
WSFS Financial Corporation is a savings and loan holding company. The Company operates through its subsidiary, Wilmington Savings Fund Society, FSB (the Bank). The Company’s segments include WSFS Bank, Cash Connect and Wealth Management. The WSFS Bank segment provides loans and leases, deposits and other financial products to commercial and consumer customers. WSFS Bank also offers a variety of consumer loan products, retail securities and insurance brokerage services through its branches, and mortgage and title services through WSFS Mortgage. Its Cash Connect segment provides ATM vault cash, smart safe and cash logistics services in the United States, servicing non-bank ATMs and smart safes nationwide and supporting ATMs for WSFS Bank Clients. The Wealth Management segment provides a range of planning and advisory services, investment management, personal and institutional trust services, and credit and deposit products to individual, corporate, and institutional clients.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
WSFS Financial Reports Strong Q4 2025 Earnings with Growth Momentum
- Core Earnings Growth: WSFS achieved a core earnings per share of $1.43 in Q4 2025, reflecting a significant 29% year-over-year increase, with a full-year core EPS of $5.21, indicating strong profitability momentum that is likely to enhance investor confidence going forward.
- Loan and Deposit Growth: Total loans grew by 2% linked quarter and 9% annualized, while total client deposits also increased by 2%, with noninterest-bearing deposits rising to 32%, demonstrating the company's competitive strength and solid customer base in the market.
- Capital Return Strategy: The company repurchased $109 million in stock during Q4, bringing the total buybacks for the year to $288 million, which represents over 9% of outstanding shares, highlighting the company's commitment to capital management and shareholder returns.
- Optimistic Future Outlook: WSFS projects double-digit core EPS growth for 2026, with mid-single-digit growth in loans and deposits, and an expected net interest margin of approximately 3.80%, indicating robust profitability even amid changing interest rate environments.
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WSFS Financial Declares Quarterly Dividend of $0.17
- Quarterly Dividend Announcement: WSFS Financial has declared a quarterly dividend of $0.17 per share, consistent with previous distributions, indicating the company's stable cash flow and shareholder return strategy.
- Dividend Yield: The forward yield of 1.17% reflects the company's attractiveness in the current market environment, potentially drawing more income-focused investors.
- Payment Schedule: The dividend is payable on February 27, with a record date of February 13 and an ex-dividend date also set for February 13, ensuring timely returns for shareholders.
- Financing Activity: WSFS Financial has successfully priced $200 million in senior unsecured notes due in 2035, which will enhance the company's capital structure and support future growth strategies.
See More
WSFS Financial Reports Strong Q4 Earnings Beat
- Earnings Beat: WSFS Financial reported a Q4 non-GAAP EPS of $1.43, exceeding expectations by $0.20, which reflects a significant improvement in profitability and boosts investor confidence.
- Revenue Growth: The company achieved Q4 revenue of $271.9 million, a 4.0% year-over-year increase, surpassing market expectations by $4.62 million, indicating a sustained positive business momentum that strengthens its market position.
- Tangible Book Value Increase: Tangible book value per share rose 21% to $33.11, reflecting improved asset quality and a strengthened capital base, providing robust financial support for future expansion.
- Strong Annual Performance: Full-year core EPS reached $5.21, a 19% increase from the previous year, with a core ROA of 1.39%, up 13 basis points compared to 2024, demonstrating ongoing optimization in profitability and asset management.
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Bank of America ETF Components See Unusual Volume on Tuesday
- Volume Analysis: Bank of America shares fell about 0.2% on Tuesday with over 7 million shares traded, indicating sustained market interest that could influence short-term investor decisions.
- Huntington Bank Performance: Huntington Bancshares saw a decline of approximately 0.4% with over 3.5 million shares changing hands, reflecting a potential decrease in investor confidence that may impact its future market performance.
- Dave Stock Performance: Dave shares increased by about 0.7% on Tuesday, showcasing relative strength within the ETF and potentially attracting more investor attention towards its growth opportunities.
- WSFS Financial Lagging: WSFS Financial's stock dropped around 1.4%, underperforming within the First Trust Nasdaq Bank ETF, which may lead investors to reassess its investment value.
See More
WSFS Financial Corporation Prices $200 Million Fixed-to-Floating Rate Notes at 5.375%
- Bond Offering Size: WSFS Financial Corporation announced the pricing of $200 million in fixed-to-floating rate senior unsecured notes, demonstrating its capital market financing capability and market confidence.
- Interest Rate Structure: The notes will bear a fixed interest rate of 5.375% from December 15, 2025, to December 15, 2030, reflecting a spread of 160 basis points over the 5-year Treasury, enhancing their attractiveness to investors.
- Use of Proceeds: The company intends to use the net proceeds from this offering to repay $150 million of maturing notes and for general corporate purposes, optimizing its capital structure to support future growth.
- Issuance Timeline: The offering is expected to close on December 11, 2025, indicating the company's flexibility in responding to market conditions and its proactive planning for future financing needs.
See More
WSFS CARES Foundation Donates $150,000 to Enhance Access to Affordable Housing
WSFS CARES Foundation Grant: The WSFS CARES Foundation has announced a $150,000 grant to the Todmorden Foundation to enhance affordable housing in Wilmington, Delaware, specifically for the redevelopment of "The Flats" neighborhood.
Project Impact: The grant will support the construction of 30 new housing units, contributing to a total of 180 new residences aimed at serving approximately 300 individuals, with the project expected to be completed by summer 2027.
Community Commitment: Both WSFS and the Todmorden Foundation emphasize their commitment to improving the quality of life for low- and moderate-income families, as well as creating job opportunities in construction and property management.
Background on WSFS: WSFS Financial Corporation is a significant financial services provider in the Greater Philadelphia and Delaware region, with a long history dating back to 1832, and is dedicated to community service through its charitable foundation.
See More
WSFS Financial Reports Strong Q4 2025 Earnings with Growth Momentum
- Core Earnings Growth: WSFS achieved a core earnings per share of $1.43 in Q4 2025, reflecting a significant 29% year-over-year increase, with a full-year core EPS of $5.21, indicating strong profitability momentum that is likely to enhance investor confidence going forward.
- Loan and Deposit Growth: Total loans grew by 2% linked quarter and 9% annualized, while total client deposits also increased by 2%, with noninterest-bearing deposits rising to 32%, demonstrating the company's competitive strength and solid customer base in the market.
- Capital Return Strategy: The company repurchased $109 million in stock during Q4, bringing the total buybacks for the year to $288 million, which represents over 9% of outstanding shares, highlighting the company's commitment to capital management and shareholder returns.
- Optimistic Future Outlook: WSFS projects double-digit core EPS growth for 2026, with mid-single-digit growth in loans and deposits, and an expected net interest margin of approximately 3.80%, indicating robust profitability even amid changing interest rate environments.
See More
WSFS Financial Declares Quarterly Dividend of $0.17
- Quarterly Dividend Announcement: WSFS Financial has declared a quarterly dividend of $0.17 per share, consistent with previous distributions, indicating the company's stable cash flow and shareholder return strategy.
- Dividend Yield: The forward yield of 1.17% reflects the company's attractiveness in the current market environment, potentially drawing more income-focused investors.
- Payment Schedule: The dividend is payable on February 27, with a record date of February 13 and an ex-dividend date also set for February 13, ensuring timely returns for shareholders.
- Financing Activity: WSFS Financial has successfully priced $200 million in senior unsecured notes due in 2035, which will enhance the company's capital structure and support future growth strategies.
See More
WSFS Financial Reports Strong Q4 Earnings Beat
- Earnings Beat: WSFS Financial reported a Q4 non-GAAP EPS of $1.43, exceeding expectations by $0.20, which reflects a significant improvement in profitability and boosts investor confidence.
- Revenue Growth: The company achieved Q4 revenue of $271.9 million, a 4.0% year-over-year increase, surpassing market expectations by $4.62 million, indicating a sustained positive business momentum that strengthens its market position.
- Tangible Book Value Increase: Tangible book value per share rose 21% to $33.11, reflecting improved asset quality and a strengthened capital base, providing robust financial support for future expansion.
- Strong Annual Performance: Full-year core EPS reached $5.21, a 19% increase from the previous year, with a core ROA of 1.39%, up 13 basis points compared to 2024, demonstrating ongoing optimization in profitability and asset management.
See More
Bank of America ETF Components See Unusual Volume on Tuesday
- Volume Analysis: Bank of America shares fell about 0.2% on Tuesday with over 7 million shares traded, indicating sustained market interest that could influence short-term investor decisions.
- Huntington Bank Performance: Huntington Bancshares saw a decline of approximately 0.4% with over 3.5 million shares changing hands, reflecting a potential decrease in investor confidence that may impact its future market performance.
- Dave Stock Performance: Dave shares increased by about 0.7% on Tuesday, showcasing relative strength within the ETF and potentially attracting more investor attention towards its growth opportunities.
- WSFS Financial Lagging: WSFS Financial's stock dropped around 1.4%, underperforming within the First Trust Nasdaq Bank ETF, which may lead investors to reassess its investment value.
See More
WSFS Financial Corporation Prices $200 Million Fixed-to-Floating Rate Notes at 5.375%
- Bond Offering Size: WSFS Financial Corporation announced the pricing of $200 million in fixed-to-floating rate senior unsecured notes, demonstrating its capital market financing capability and market confidence.
- Interest Rate Structure: The notes will bear a fixed interest rate of 5.375% from December 15, 2025, to December 15, 2030, reflecting a spread of 160 basis points over the 5-year Treasury, enhancing their attractiveness to investors.
- Use of Proceeds: The company intends to use the net proceeds from this offering to repay $150 million of maturing notes and for general corporate purposes, optimizing its capital structure to support future growth.
- Issuance Timeline: The offering is expected to close on December 11, 2025, indicating the company's flexibility in responding to market conditions and its proactive planning for future financing needs.
See More
WSFS CARES Foundation Donates $150,000 to Enhance Access to Affordable Housing
WSFS CARES Foundation Grant: The WSFS CARES Foundation has announced a $150,000 grant to the Todmorden Foundation to enhance affordable housing in Wilmington, Delaware, specifically for the redevelopment of "The Flats" neighborhood.
Project Impact: The grant will support the construction of 30 new housing units, contributing to a total of 180 new residences aimed at serving approximately 300 individuals, with the project expected to be completed by summer 2027.
Community Commitment: Both WSFS and the Todmorden Foundation emphasize their commitment to improving the quality of life for low- and moderate-income families, as well as creating job opportunities in construction and property management.
Background on WSFS: WSFS Financial Corporation is a significant financial services provider in the Greater Philadelphia and Delaware region, with a long history dating back to 1832, and is dedicated to community service through its charitable foundation.
See More
