NASDAQ$WSFS

WSFS Financial Corporation · Q1 2021 earnings

Q1 2021 earnings · · Investor relations

Briefing

WSFS reported a strong first quarter with diversified revenue and improving credit trends.

WSFS Financial Corporation reported a strong first quarter in 2021, with an EPS of $1.36 and an ROA of 1.85%. The results reflect diversified revenue streams and improving credit trends. The board also approved an 8% increase in the cash dividend.

  • Core ROA was 1.89% in 1Q 2021 compared to 0.39% for 1Q 2020.
  • Core EPS was $1.39 in 1Q 2021 compared to $0.23 for 1Q 2020.
  • Total net credit (recoveries) costs were $(19.0) million and net charge-offs were $3.8 million, or 0.18% of average gross loans during the quarter.
  • Core fee revenue (noninterest income) was $47.5 million, an increase of $8.0 million, or 20% compared to 1Q 2020.

Headline financials

Total Revenue

$169M

Previous: $175M-3.2%
EPS (adj)

$1.39

Previous: $0.23+504.3%
Efficiency Ratio

58.9%

Previous: 56.3%+4.6%
Return on Average Assets

1.9%

No prior period
Return on Average Equity

14.9%

No prior period
Capital Expenditures

-$1.27M

Previous: -$2.53M+49.8%
Free Cash Flow

$63.8M

Previous: $8.4M+660.0%
Net Income

$65.1M

Previous: $10.9M+495.6%
Operating Income

$74.9M

Previous: -$53.3M+240.5%
Gross Profit

$157M

Previous: $110M+43.7%
Cash & Equivalents

$2.06B

Previous: $505M+308.7%
Total Assets

$14.7B

Previous: $12.3B+20.0%
Stock-Based Comp

$1.16M

Previous: $604K+91.2%

Revenue & EPS history

WSFS · Revenue · Quarterly

$169M

Q1 2021-3.2%vs Q1 2020
Beat estimate in 12 of 16 quarters(75%)
ActualEstimate

Revenue by segment

WSFS · $29.3M total across 2 segments · Q1 2021

  • Wealth and Trust
    $19.2M+30.6%
  • Cash Connect
    $10.1M-8.2%

Forward guidance

The company expects to close the combination with Bryn Mawr in early 4Q 2021.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2021

Historical avgQ1 2021

+0.1%

Avg return

Earnings day

+0.6%

Avg return

5 days after

+3.2%

Avg return

30 days after

47%

31 / 66 earnings

Positive

+17.2%

Q1 2020

Best reaction

-8.4%

Q1 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.8%+1.4%+2.2%
Q4 2025+6.5%+11.8%+14.6%
Q3 2025+0.2%+0.3%+5.4%
Q2 2025-1.5%-0.4%-0.1%
Q1 2025-0.9%-1.2%+1.2%
Q4 2024+1.3%+2.2%-2.4%
Q3 2024-3.1%-1.6%+19.4%
Q2 2024+1.3%+1.0%-1.4%
Q1 2024-4.9%-5.2%-2.5%
Q4 2023+1.7%+3.3%-8.4%
Q3 2023+0.3%-1.1%+13.1%
Q2 2023-0.2%+4.9%-4.7%
Q1 2023-8.4%-6.2%-9.1%
Q4 2022+1.7%+2.6%+4.7%
Q3 2022-5.5%-5.2%-2.6%
Q2 2022+5.0%+13.3%+17.7%
Q1 2022-3.5%-5.1%-8.7%
Q4 2021+3.4%+0.1%-1.3%
Q3 2021+0.1%-3.8%-3.0%
Q2 2021-3.0%-2.8%+0.2%
Q1 2021+2.2%+4.7%+9.0%
Q4 2020-2.4%-7.7%+16.5%
Q3 2020+5.4%+0.8%+27.4%
Q2 2020+2.0%+3.7%+6.4%
Q1 2020+17.2%+18.4%+30.5%
Q4 2019-4.0%-3.7%-4.9%
Q3 2019+2.8%-1.3%-0.6%
Q2 2019+2.0%+5.4%+6.7%
Q1 2019+0.3%+0.2%-5.9%
Q4 2018+3.7%+2.5%+5.6%
Q3 2018-2.2%-4.5%-6.2%
Q2 2018+3.6%+3.6%-7.4%
Q1 2018+4.2%+3.0%+6.6%
Q4 2017-0.8%+1.7%-3.0%
Q3 2017-2.7%+1.1%-3.6%
Q2 2017-1.5%-2.5%-3.8%
Q1 2017-5.7%-5.8%-12.5%
Q4 2016-2.1%-1.7%+1.1%
Q3 2016-5.2%-1.4%+19.7%
Q2 2016+1.8%-0.4%+10.1%
Q1 2016-1.2%
Q4 2015+1.6%
Q3 2015+1.2%
Q2 2015-1.2%
Q1 2015-0.5%
Q4 2014-2.3%
Q3 2014+1.9%
Q2 2014+0.3%
Q1 2014-2.5%
Q4 2013+2.7%
Q3 2013+7.7%
Q2 2013-3.2%
Q1 2013-0.9%
Q4 2012+3.0%
Q3 2012-0.6%
Q2 2012-0.1%
Q4 2011-0.1%
Q1 2011-2.3%
Q1 2012+0.0%
Q4 2009+2.5%
Q3 2010-2.3%
Q3 2011-2.3%
Q2 2011-5.2%
Q4 2010-5.2%
Q2 2010-5.2%
Q1 2010+8.6%

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