Filing Flows › Financials › Wsfs Financial (WSFS)
Wsfs Financial (WSFS) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 3, 2026 · Wsfs Financial (WSFS) Q3 2026 earnings results →
Q3 2026 Revenue up 6% year over year to $288M · 31¢ of every $1 of revenue kept as net profit · operating margin 40.9%
Wsfs Financial made $288M in Q3 2026 (+6% Y/Y): Net interest income $197M, Noninterest income $91.0M. Operating margin 40.9%, net earnings $89.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 3, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $287.6M in Q3 2026, up 6% year over year and up 2% from the previous quarter. Net interest income was the largest line at 68% of revenue. Net interest income added $12.6M year over year (up 7%), 74% of the total change.
Operating profit was $117.6M, a 40.9% margin (up 3.6 points year over year). Of the extra revenue versus a year earlier, 98% reached operating profit, above the 37% margin then. Total costs grew 0% against revenue growth of 6%. The fastest-growing cost line was Credit loss provision (+28%). Net earnings were $89.3M, up 17% year over year. The effective tax rate was 24.1%.
Operating cash flow was $170.6M (up 40% year over year), 191% of net earnings. Non-cash charges added back $3.4M of share-based compensation. Working capital and other items added $77.9M. Capital expenditures of $7.2M left free cash flow of $163.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 3, 2026 | $288M | +6% | 40.9% | $89.3M | $171M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About Wsfs Financial
WSFS Financial Corporation (the Company or WSFS) is a savings and loan holding company headquartered in Wilmington, Delaware. Substantially all of our assets are held by the Company's subsidiary, Wilmington Savings Fund Society, FSB (WSFS Bank or the Bank), one of the ten oldest bank and trust companies in the United States (U.S.) continuously operating under the same name. As a federal savings bank that was formerly chartered as a state mutual savings bank, WSFS Bank enjoys a broader scope of permissible activities than most other financial institutions. With $21.3 billion in assets and $97.4 billion in assets under management (AUM) and assets under administration (AUA) at December 31, 2025, WSFS Bank is the oldest and largest locally-managed bank and trust company headquartered in the Greater Philadelphia and Delaware region.
In its own words, from its 10-K, filed Mar 2, 2026.
Wsfs Financial against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +6% against the peers' median +6%. Operating margin: 40.9% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| WSFS Wsfs Financial | Q3 2026 | $288M | +6% | 40.9% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Wsfs Financial 10-Q on SEC EDGAR · CIK 828944 · National Commercial Banks
Guidance and outlook
13F: who owns WSFS and who is buying
More on WSFS
History
Every quarter: Q3 2026 results