NASDAQ$WSFS

WSFS Financial Corporation · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

WSFS reported strong second-quarter results, driven by loan, deposit, and diversified fee revenue growth, alongside a net interest margin of 3.85%.

WSFS Financial Corporation reported a solid second quarter in 2024, with a return on average assets (ROA) of 1.34% and earnings per share (EPS) of $1.16. The results reflect growth in loans, deposits, and diversified fee revenue, along with a net interest margin of 3.85%.

  • Core fee revenue increased by 13%, driven by Cash Connect, Wealth and Trust, Capital Markets, and Mortgage businesses.
  • Annualized loan growth of 6% was primarily driven by commercial and consumer lending portfolios.
  • Deposits increased 3% annualized.
  • Net interest margin increased slightly from the prior quarter to 3.85%.

Headline financials

Total Revenue

$266M

Previous: $348M-23.7%
EPS

$1.16

Previous: $1.16+0.0%
Net Interest Margin

3.9%

Previous: 4.1%-6.3%
Efficiency Ratio

58.5%

Previous: 56.7%+3.2%
Capital Expenditures

-$6.96M

Previous: -$1.81M-283.9%
Free Cash Flow

$62.3M

Previous: $66.9M-6.8%
Net Income

$69.3M

Previous: $68.7M+0.9%
Operating Income

$122M

Previous: $75.8M+60.4%
Gross Profit

$246M

Previous: $333M-26.0%
Stock-Based Comp

$3.72M

Previous: $2.55M+45.8%

Revenue & EPS history

WSFS · Revenue · Quarterly

$266M

Q2 2024-23.7%vs Q2 2023
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Revenue by segment

WSFS · $51.3M total across 2 segments · Q3 2023

  • Wealth and Trust
    $33.3M+11.4%
  • Cash Connect
    $18M+40.6%

Forward guidance

WSFS's strong performance in Q2 2024 provides momentum heading into the second half of the year.

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 Q2 2024

Historical avgQ2 2024

+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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