Abstract

WSFS Financial Corp will release its quarterly results on October 21, 2025 Post Market, with investors watching revenue, margins, and EPS trends amid stable interest-rate dynamics and loan growth signals.

Market Forecast

Consensus tracking and the company’s indicated projections imply WSFS Financial Corp’s current-quarter revenue of $0.18 billion, up 2.95% year over year, with estimated EBIT of $0.10 billion and estimated EPS of $1.23. Year-over-year estimates point to revenue growth of 2.95%, EBIT growth of 2.41%, and EPS growth of 26.41%. Gross profit margin guidance was not provided, while net margin will be benchmarked against last quarter’s reported 28.97%. The main business is projected to remain led by the core banking unit, supported by steady deposit funding and loan origination while trust and wealth services continue to provide fee-based diversification. The most promising segment appears to be the core banking franchise, with recent segment revenue of $0.20 billion and ongoing mid-single-digit YoY growth implied by quarterly trends.

Last Quarter Review

WSFS Financial Corp’s previous quarter delivered revenue of $0.18 billion, GAAP net profit attributable to the parent company of $76.45 million, net profit margin of 28.97%, and adjusted EPS of $1.37, with year-over-year growth of 3.68% in revenue and 26.85% in adjusted EPS. Quarter-on-quarter net profit increased by 5.70%, reflecting disciplined cost control and stable credit metrics. Main business highlights: the core banking unit contributed $0.20 billion; trust and wealth management contributed $0.04 billion; and Cash Connect contributed $0.03 million, collectively indicating healthy diversification across interest and fee income.

Current Quarter Outlook

Main Banking Franchise

The central driver for WSFS Financial Corp remains the Wilmington Savings Fund Society banking franchise, which generated $0.20 billion last quarter and accounts for approximately three quarters of revenue. This unit’s near-term performance is tied to net interest income trends, which depend on deposit costs, asset yields, and balance-sheet mix as the interest-rate environment stabilizes. Management’s guidance and market expectations for EPS of $1.23 and revenue of $0.18 billion suggest modest operating leverage, assuming loan growth offsets normalized deposit pricing. Credit quality will be watched closely; benign delinquency and charge-off levels would support margin resilience around the reported net margin benchmark of 28.97%. The key swing factor is funding costs: if deposit betas remain manageable and loan spreads hold, the banking franchise can sustain mid-single-digit revenue growth and healthy EBIT conversion near the $0.10 billion estimate.

Trust and Wealth Management

Trust and wealth management delivered $0.04 billion last quarter, furnishing fee revenue that is less sensitive to interest rates and enhancing earnings durability. In the current quarter, equity market levels and client asset flows will influence advisory and fiduciary fees. If market performance remains constructive, this segment can post sequential improvement, supporting the consolidated EPS outlook of $1.23. Operating efficiency is a lever: cost discipline within advisory platforms and technology investments can lift margins and offset any softness in transactional fees. The segment’s diversification benefits are material in a quarter where net interest margins may face pressure, helping smooth overall revenue and earnings trajectory.

Cash Connect

Cash Connect’s reported revenue was $0.03 million last quarter, supplying transactional fee income and ancillary services. For the upcoming quarter, volumes in ATM and cash logistics, merchant services, and related fintech integrations will be pivotal. Scale efficiencies and contract pricing can support incremental margin, though the absolute revenue base limits its impact on consolidated results. That said, any uptick in consumer transaction activity or new client wins could meaningfully improve segment contribution percent-wise, adding to noninterest income and reinforcing EPS stability against interest-rate swings.

Stock Price Drivers This Quarter

The primary stock-price drivers will be net interest margin resilience, credit costs, and expense control relative to revenue growth. A print near or above the $1.23 EPS estimate with revenue around $0.18 billion would likely be received favorably, particularly if management reiterates stable asset quality. Conversely, a notable rise in deposit costs or weaker loan yields could compress margins, tempering EBIT versus the $0.10 billion forecast. Investors will also track fee-income trajectory in trust and wealth management, which can mitigate NIM variability and underpin a consistent earnings profile.

Analyst Opinions

Recent institutional commentary has trended moderately positive, with a majority expecting a steady quarter supported by balanced interest and fee income and controlled expenses. The constructive case emphasizes modest loan growth and stable credit metrics that keep earnings aligned with an EPS estimate of $1.23 and EBIT near $0.10 billion. Analysts highlight the banking franchise’s scale advantages and diversified revenues across trust and wealth services as reasons for confidence in margin stability. On balance, the bullish view anticipates that WSFS Financial Corp can deliver revenue growth of 2.95% year over year and maintain profitability momentum into the next quarter, aided by operational discipline and continuing fee-income contributions.