UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-35638 WSFS FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Delaware 22-2866913 (State or other juris ...

WSFS Financial Corporation 1 2Q 2022 Earnings Release Supplement July 2022 Forward Looking Statements & Non-GAAP Forward Looking Statements: This presentation contains estimates, predictions, opinions, projections and other "forward-looking statements" as that phrase is defined in the Private Securities Litigation Reform Act of 1995. Such statements include, without limitation, references to the Company's predictions or expectations of future business or financial performance as well as its goals and object ...

Financial Data and Key Metrics Changes - Reported ROA of 1.17% and EPS of $0.94 included non-recurring items, with core results showing net income of $65.4 million or an ROA of 1.27% and an EPS of $1.02 [7][9] - NIM in the second quarter was 3.40%, a 39 basis point increase over Q1, driven by rising loan yields [15] - Customer deposits decreased 7% annualized, with a loan to deposit ratio standing at 66% [13][14] Business Line Data and Key Metrics Changes - Loan growth was 8% annualized when excluding the KCMI sale, with commercial loan growth at 5% annualized [11] - Consumer loans grew 41% annualized, now representing 13% of total gross loans [12] - Fee revenue ratio remained flat at 30.0%, with fees growing $5.5 million or 9% not annualized [16] Market Data and Key Metrics Changes - The commercial pipeline continues to grow, with net new commercial fundings reaching a record $685 million in the quarter [12] - The company anticipates annual fee revenue growth in the low single digits due to lower residential refi volume and market impacts [22] Company Strategy and Development Direction - The company is executing its strategic plan and anticipates mid-to-high single-digit loan growth for the second half of the year [21] - The company has updated its capital return philosophy, increasing the annual capital return to 35% of earnings [49] Management Comments on Operating Environment and Future Outlook - Management expects deposit betas to increase in the second half of the year, but at a lower rate than previous cycles [27] - Full-year ROA is now anticipated near 1.35%, with a 4Q ROA around 1.65% [22] Other Important Information - The Board approved a 15% increase in the quarterly dividend to $0.15 per share and authorized an additional 10% share repurchase [19] - TCE decreased to 6.63% due to interest rate impacts on AOCI [20] Q&A Session Summary Question: NIM guidance and inputs - The increase in NIM is primarily driven by the higher interest rate environment, with expectations for betas to pick up in the second half of the year [26] Question: Consumer loan growth details - The partnership portfolios account for about 45% of total consumer lending, with a significant portion coming from unsecured loans [28] Question: Fee outlook and market volatility - AUM business is expected to see declines in the third quarter, but the diversified wealth business helps offset some of that decline [36] Question: Unsecured lending strategy - The unsecured product is still a small portion of the overall portfolio, and performance remains strong [45] Question: Bryn Mawr integration and capital management - The company expects to generate significant capital from returns and is evaluating capital deployment strategies [48]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-35638 WSFS FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Delaware 22-2866913 (State or other juri ...

WSFS Financial Corporation (NASDAQ:WSFS) Q1 2022 Earnings Conference Call April 22, 2022 1:00 PM ET Company Participants Rodger Levenson - Chairman, President and CEO Dominic Canuso - CFO Steve Clark - EVP and Chief Commercial Banking Officer Art Bacci - Chief Wealth Officer Rick Wright - Chief Retail Banking Officer Conference Call Participants Frank Schiraldi - Piper Sandler Michael Perito - KBW Russell Gunther - D.A. Davidson Operator Thank you for standing by and welcome to the WSFS Financial Corporatio ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) For the fiscal year ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-35638 WSFS FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) | Delaware | 22-2866913 | | --- | --- | | (State or other Jurisdiction of Incorporation or Organization) | (I.R.S. Employer Identifi ...

WSFS Financial Corporation 1 4Q 2021 Investor Update January 2022 WSFS bank We Stand For Service Forward Looking Statements & Non-GAAP Forward Looking Statements: This presentation contains estimates, predictions, opinions, projections and other "forward-looking statements" as that phrase is defined in the Private Securities Litigation Reform Act of 1995. Such statements include, without limitation, references to the Company's predictions or expectations of future business or financial performance as well a ...

Financial Data and Key Metrics Changes - For the full year 2021, the company reported core earnings per share of $5.63 and a core return on assets (ROA) of 1.80% [7] - The full-year core pre-provision net revenue (PPNR) was $236 million, or 1.58% of average assets [8] - The company experienced a release of approximately $117 million in credit loss reserves from the COVID-related build in 2020 [8] - The anticipated full-year net interest margin (NIM) is expected to be in the range of 3.15% to 3.20% [21] - The efficiency ratio is projected to be in the low 60s, with expectations for the fourth quarter efficiency ratio to be in the high 50s [25][26] Business Line Data and Key Metrics Changes - Commercial loan fundings and pipeline continued to grow in Q4, exceeding pre-COVID levels [10] - Wealth Management and Cash Connect ended the year strong, contributing to the strength and diversity of fee-based businesses [12] - Fee revenue growth is expected in the mid-single digits, with double-digit growth anticipated in Cash Connect and mid-to-high single-digit growth in trust and wealth [22][23] Market Data and Key Metrics Changes - The company exited 2021 with strong momentum, driven by prior franchise investments [9] - 54% of customer deposits are from commercial, small business, and wealth segments, indicating a strong deposit base [11] - The commercial line of credit utilization increased from 33% to 35.8% in Q4, showing improved demand [94] Company Strategy and Development Direction - The company aims to capitalize on unique market presence and execute on revenue and cost synergies from the combination with Bryn Mawr Trust [15] - The strategic focus includes enhancing the wealth management segment, which is expected to become a larger part of the business, contributing nearly 50% of fee-based revenue [66] - The company plans to continue deploying excess liquidity into the investment portfolio to generate yield and earnings [20] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in loan growth despite the anticipated rising rate environment, expecting mid-to-high single-digit growth excluding residential mortgages [16][17] - The company anticipates a stable economic outlook, with provision costs expected to be between $15 million and $25 million [24] - Management noted that the macroeconomic environment remains unpredictable, particularly regarding excess liquidity [19] Other Important Information - The company is on track to meet or exceed the targeted annual cost savings identified with Bryn Mawr Trust, with full realization expected by early 2023 [26] - The tax rate is expected to remain around 24% for the year [27] Q&A Session Summary Question: Interest rate sensitivity and deposit beta assumptions - Management indicated that asset sensitivity has increased with the acquisition of Bryn Mawr Trust, with variable loans now at about 52% of total loans [33] Question: Expectations for loan growth and payoffs - Management expressed confidence that loan payoffs will decrease in 2022 due to a rising rate environment [35] Question: Wealth management growth amid market volatility - Management expects high-single-digit growth in core wealth business despite recent market volatility [44] Question: Securities purchases and growth expectations - The company anticipates a 5% growth in the securities book in 2022, driven by current excess liquidity deployment [42] Question: Employee and customer retention post-acquisition - Management reported no significant attrition among employees or customers following the acquisition of Bryn Mawr Trust [59] Question: Buyback plans and capital ratios - Management confirmed plans to resume share repurchases, targeting a minimum of 25% of annual core earnings [70]

UNITED STATES Washington, D.C. 20549 FORM 10-Q SECURITIES AND EXCHANGE COMMISSION (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-35638 WSFS FINANCIAL CORPORATION For the transition period from to (Exact name of registrant as specified in its charter) Delaware 22-2866913 (State or other jurisdiction of Incorporation or organization) (I.R.S. Employer Identification Number) 500 Delaware Ave, Wilmington, Delaware, 19801 For the qua ...

WSFS Financial Corporation (NASDAQ:WSFS) Q3 2021 Earnings Conference Call October 22, 2021 1:00 PM ET Company Participants Dominic Canuso - Executive Vice President, Chief Financial Officer Steve Clark - Executive Vice President and Chief Commercial Banking Officer Rodger Levenson - Chairman, President and Chief Executive Officer Art Bacci - Executive Vice President and Chief Wealth Officer Conference Call Participants Michael Perito - KBW Erik Zwick - Boenning & Scattergood Russell Gunther - D.A. Davidson ...