NASDAQ$WSFS

WSFS Financial Corporation · Q1 2022 earnings

Q1 2022 earnings · · Investor relations

Briefing

WSFS reported solid results, closing and successfully integrating Bryn Mawr Trust, and diversifying deposits and loans mix.

WSFS Financial Corporation reported its financial results for the first quarter of 2022, which included the impact of the combination with Bryn Mawr Bank Corporation (“Bryn Mawr Trust”) that closed on January 1, 2022. The company successfully completed the integration of its banking systems and launched Bryn Mawr Trust as its prominent Wealth Management brand.

  • Successfully closed the combination with Bryn Mawr Trust on January 1, 2022.
  • Core ROA was 0.83% in 1Q 2022, which includes (0.34)% for the initial allowance for credit losses (ACL) provision recorded in connection with the combination with Bryn Mawr Trust, compared to 1.89% for 1Q 2021.
  • Core EPS was $0.66 in 1Q 2022, which includes $(0.27) per share (after-tax) for the initial ACL provision recorded in connection with the combination with Bryn Mawr Trust, compared to $1.39 for 1Q 2021.
  • Core fee revenue (noninterest income) as a percentage of core net revenue was a strong 30.4% in 1Q 2022, reflective of our diversified business model.

Headline financials

Total Revenue

$205M

Previous: $169M+21.1%
EPS (adj)

$0.66

Previous: $1.39-52.5%
Efficiency Ratio

87.5%

Previous: 58.9%+48.6%
Capital Expenditures

-$1.65M

Previous: -$1.27M-29.7%
Free Cash Flow

$2.16M

Previous: $63.8M-96.6%
Net Income

$3.8M

Previous: $65.1M-94.2%
Operating Income

-$13.3M

Previous: $74.9M-117.7%
Gross Profit

$186M

Previous: $157M+18.0%
Cash & Equivalents

$2.28B

Previous: $2.06B+10.6%
Total Assets

$21B

Previous: $14.7B+42.3%
Stock-Based Comp

$1.33M

Previous: $1.16M+15.5%

Revenue & EPS history

WSFS · Revenue · Quarterly

$205M

Q1 2022+21.1%vs Q1 2021
Beat estimate in 12 of 16 quarters(75%)
ActualEstimate

Revenue by segment

WSFS · $49.5M total across 2 segments · Q1 2022

  • Wealth and Trust
    $39M+103.1%
  • Cash Connect
    $10.5M+4.0%

Forward guidance

The first quarter of 2022 included a number of significant milestones for the Company, highlighted by the closing of the Bryn Mawr Trust combination on January 1, 2022. The company successfully completed the integration of banking systems in late March, and launched Bryn Mawr Trust as the prominent Wealth Management brand.

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 2022

Historical avgQ1 2022

+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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