WSFS WSFS FINANCIAL CORP
FY2025 10-K
WSFS FINANCIAL CORP (WSFS) filed its fiscal year 2025 10-K annual report with the SEC on Mar 2, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business model: Savings and loan holding company offering banking and non-banking financial services regulated by Federal Reserve, OCC, and CFPB
- • No new products/segments introduced or emphasized; focus on regulatory compliance and capital adequacy this year
Management Discussion & Analysis
- • Revenue: Net interest income $726.1M in 2025, up $20.6M (3%) YoY; noninterest income declined $1.0M, wealth & trust income up 16%
- • Profitability: Net income $287.3M ($5.09/share) in 2025 vs $263.7M ($4.41/share) in 2024; net interest margin 3.87% vs 3.82%
Risk Factors
- • Regulatory risk: Potential FDIC restrictions on brokered deposits if Bank capitalization falls below "well-capitalized" status as of December 31, 2025
- • Macroeconomic risk: Concentration in Delaware, southeastern Pennsylvania, southern New Jersey, northern Virginia markets exposed to regional economic downturns and real estate value declines
Financial SummaryXBRL
Revenue
$1.0B
Net Income
$287M
Net Margin
28.2%
ROE
10.5%
Total Assets
$21.3B
EPS (Diluted)
$5.09
Operating Cash Flow
$220M
Source: XBRL data from WSFS FINANCIAL CORP FY2025 10-K filing on SEC EDGAR. All figures in USD.
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