NASDAQ$WSFS

WSFS Financial Corporation · Q4 2021 earnings

Q4 2021 earnings · · Investor relations

Briefing

WSFS reported Q4 2021 earnings with EPS of $1.18 and ROA of 1.45%.

WSFS Financial Corporation reported strong Q4 2021 results, including earnings per share of $1.18 and a return on average assets of 1.45%. The company successfully closed the acquisition of Bryn Mawr Trust on January 1, 2022. The quarter was marked by strong performance in fee businesses, a solid capital position, and improving credit metrics.

  • Received final regulatory approval for the Bryn Mawr Trust acquisition and announced a closing date of January 1, 2022.
  • Core ROA was 1.28% in 4Q 2021 compared to 1.67% for 4Q 2020.
  • Core EPS was $1.04 in 4Q 2021 compared to $1.16 for 4Q 2020.
  • Total net credit (recoveries) costs were $(8.2) million during the quarter, reflecting improved credit quality.

Headline financials

Total Revenue

$108M

Previous: $123M-12.0%
EPS (adj)

$1.04

Previous: $1.16-10.3%
Net Interest Margin

3.1%

Previous: 3.9%-21.1%
Efficiency Ratio

58.5%

Previous: 55.0%+6.4%
Capital Expenditures

$1.85M

Previous: $3.68M-49.6%
Free Cash Flow

-$166M

Previous: -$37.4M-343.2%
Net Income

$56.4M

Previous: $59.7M-5.6%
Operating Income

$71.9M

Previous: $77.2M-6.9%
Gross Profit

$154M

Previous: $170M-9.1%
Cash & Equivalents

$1.05B

Previous: $1.24B-15.9%
Total Assets

$15.8B

Previous: $14.3B+10.1%
Stock-Based Comp

$1.44M

Previous: $723K+99.7%

Revenue & EPS history

WSFS · Revenue · Quarterly

$108M

Q4 2021-12%vs Q4 2020
Beat estimate in 12 of 16 quarters(75%)
ActualEstimate

Revenue by segment

WSFS · $33.5M total across 2 segments · Q4 2021

  • Wealth and Trust
    $22.5M+18.4%
  • Cash Connect
    $11M+6.8%

Forward guidance

As we turn towards 2022, we look forward to integrating Bryn Mawr Trust with our prior investments as we strengthen our position as the premier, locally headquartered bank and wealth management franchise in the Greater Philadelphia and Delaware region.

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 Q4 2021

Historical avgQ4 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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