Wsfs Financial (WSFS) Q4 FY2025 earnings: revenue $272 million, up 4.0% on the year

Wsfs Financial Corp. (WSFS) reported revenue of $272 million for Q4 FY2025, the quarter ended 31 December 2025, up 4.0% on the same quarter a year earlier. Net income was $73 million, up 13.2% on the year, and diluted earnings per share $1.34. The figures are the company's own, from the 10-K it filed with the SEC on 2 March 2026.

Revenue$272 millionup 4.0%

Net income$73 millionup 13.2%

Diluted EPS$1.34

QuarterQ4 FY2025ended 31 December 2025

The quarter, against the one before and a year earlier

Line	Q4 FY2025	Q3 FY2025	Q4 FY2024	Change on the year
Revenue	272	270	262	+4.0%
Pre-tax income	97.2	101	84.4	+15.3%
Income tax	24.5	24.4	20.2	+21.5%
Effective tax rate	25.2%	24.2%	23.9%
Net income	72.7	76.4	64.2	+13.2%
Net margin	26.7%	28.3%	24.6%
Diluted EPS	$1.34	$1.37	$1.09	+22.9%

$ million except per share.

Fourth quarters are the year less the first three quarters. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are.

Cash flow and capital returned

Line	Q4 FY2025	Q3 FY2025	Q4 FY2024	Change on the year
Operating cash flow	52.5	122	59.0	-11.0%
Capital expenditure	0.7	1.2	3.7	-79.6%
Free cash flow	51.8	120	55.4	-6.5%
Cash from investing	-269	120	224	n/a
Cash from financing	343	-0.2	-119	n/a
Share-based compensation	3.4	3.1	2.9	+15.1%
Buybacks	110	47.2	21.2	+421.7%
Dividends paid	9.3	9.5	8.8	+4.9%
Dividend per share	n/a	$0.17	n/a	n/a
Diluted shares, weighted	54m	56m	59m	-8.0%
Shares outstanding at period end	53m	55m	59m	-9.9%

Cash flow lines for the quarter; where the company files them year to date, the quarter is the difference between two filings.

Balance sheet at quarter end

Line	Q4 FY2025	Q3 FY2025	Q4 FY2024	Change on the year
Shareholders' equity	2,739	2,753	2,590	+5.7%
Non-controlling interest	-10.5	-10.5	-10.4	n/a
Deposits	17,642	17,226	17,030	+3.6%
Other liabilities	944	871	1,205	-21.7%
Total liabilities and equity	21,314	20,840	20,814	+2.4%
Fixed assets	80.3	82.7	86.0	-6.6%
Goodwill	885	885	886	-0.1%
Intangible assets	84.7	88.5	102	-17.2%
Securities held for sale or to maturity	4,511	4,482	4,526	-0.3%
Loans	13,082	12,777	12,996	+0.7%
Trading assets	0.0	0.0	0.0	n/a
Cash and equivalents	1,699	1,573	1,155	+47.1%
Other assets	972	952	1,063	-8.6%
Total assets	21,314	20,840	20,814	+2.4%

Questions

What was Wsfs Financial's revenue in Q4 FY2025?

Wsfs Financial (WSFS) reported revenue of $272 million for Q4 FY2025, the quarter ended 31 December 2025, up 4.0% on the same quarter a year earlier.

How much did Wsfs Financial earn in Q4 FY2025?

Net income for Q4 FY2025 was $73 million, up 13.2% on the year, and diluted earnings per share $1.34.

When did Wsfs Financial report Q4 FY2025 results?

Wsfs Financial filed its 10-K for the year that ended with the quarter on 2 March 2026; the fourth quarter is the year less the first three.

Quarterly results, the last 12 quarters

	Q3 FY2023	Q4 FY2023 *	Q1 FY2024	Q2 FY2024	Q3 FY2024	Q4 FY2024 *	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026
Revenue	255	265	251	266	268	262	256	268	270	272	275	282
Interest expense	68.5	79.1	86.3	90.8	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Pre-tax income	97.2	92.9	86.9	90.5	85.5	84.4	87.0	95.5	101	97.2	114	111
Tax rate	24%	32%	24%	23%	25%	24%	24%	24%	24%	25%	24%	24%
Net income	74.2	63.9	65.8	69.3	64.4	64.2	65.9	72.3	76.4	72.7	86.8	84.4
Net margin	29%	24%	26%	26%	24%	25%	26%	27%	28%	27%	32%	30%
Diluted EPS	$1.22	$1.05	$1.09	$1.16	$1.08	$1.09	$1.12	$1.27	$1.37	$1.34	$1.64	$1.63
Operating cash flow	165	-50.8	113	44.8	3.1	59.0	8.7	37.2	122	52.5	86.4	-12.7
Capital expenditure	1.1	3.5	4.2	2.7	3.6	3.7	2.4	2.0	1.2	0.7	0.9	1.7
Free cash flow	164	-54.3	109	42.1	-0.5	55.4	6.3	35.2	120	51.8	85.5	-14.4
Buybacks	15.8	9.9	21.0	40.2	14.0	21.2	54.3	78.4	47.2	110	85.8	66.8
Dividends paid	9.2	9.1	9.1	9.0	8.9	8.8	8.8	9.6	9.5	9.3	9.0	10.4
Shares outstanding	61m	60m	60m	59m	59m	59m	57m	56m	55m	53m	52m	51m
Filing	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q

Each quarter as filed, linked to its filing.

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS and diluted share count are from the company's results press release for that quarter, used where the release gives the same revenue and net income as the table. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Source

10-K for the period ended 31 December 2025, filed 2 March 2026, accession 0000828944-26-000006: the filing on EDGAR. All of Wsfs Financial Corp.'s filings: EDGAR company page.

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