WSFS Financial’s fourth quarter was marked by robust performance in commercial lending and wealth management, generating strong momentum into 2026. Management attributed the company’s positive results to broad-based loan growth—led by commercial and industrial lines, as well as increased originations in residential mortgages and consumer loans. CEO Rodger Levenson highlighted the double-digit revenue growth in the Wealth & Trust segment and noted that commercial pipelines benefited as small business sentiment improved in the latter part of the year. The company’s disciplined approach to deposit gathering and credit management also contributed, with noninterest-bearing deposits rising and problem assets reaching their lowest level in over two years.
Is now the time to buy WSFS? Find out in our full research report (it’s free for active Edge members).
WSFS Financial (WSFS) Q4 CY2025 Highlights:
- Revenue: $278 million vs analyst estimates of $267 million (6.2% year-on-year growth, 4.1% beat)
- Adjusted EPS: $1.43 vs analyst estimates of $1.23 (16.1% beat)
- Adjusted Operating Income: $104.4 million vs analyst estimates of $102 million (37.6% margin, 2.3% beat)
- Market Capitalization: $3.54 billion
While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention.
Our Top 5 Analyst Questions From WSFS Financial’s Q4 Earnings Call
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Manuel Navas (Piper Sandler) asked about drivers behind commercial loan growth. CFO David Burg credited improved business sentiment and pent-up demand, explaining that clarity on legislative and economic issues led to increased originations in Q4.
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Russell Elliott Gunther (Stephens) inquired about Cash Connect’s revenue and margin outlook amid rate cuts. Burg detailed that while top-line revenue will decline, profit margins should rise due to pricing actions and a shift to higher-margin products.
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Kelly Motta (KBW) questioned the company’s ongoing business review and potential for further divestitures. CEO Rodger Levenson highlighted a disciplined review process but indicated no major changes are imminent, emphasizing continued focus on strategic fit and profitability.
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Christopher Marinac (Janney Montgomery Scott) asked about risk-adjusted returns post-Upstart divestiture. Burg noted a shift toward real estate-secured consumer loans and C&I relationships, citing enhanced risk-adjusted returns and the advantage of strong collateral and recourse.
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Sun Young Lee (TD Cowen) sought clarity on the sustainability of noninterest-bearing deposit growth. Burg responded that while Q4’s growth rate may not repeat, broad-based deposit accumulation across trust, private banking, and consumer segments should continue.
Catalysts in Upcoming Quarters
In the quarters ahead, the StockStory team will be watching (1) whether commercial lending momentum persists as economic conditions evolve, (2) the pace of Wealth & Trust segment expansion and institutional market share gains, and (3) management’s ability to sustain low-cost deposit growth and stable asset quality. Execution on cost control and the impact of further share buybacks will also serve as key performance indicators.
WSFS Financial currently trades at $64.78, up from $57.92 just before the earnings. Is there an opportunity in the stock?Find out in our full research report (it’s free).
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