55.81 USD
-0.59 (-1.05%)
55.81 USD
0 (0%)
Overall WSFS gets a fundamental rating of 4 out of 10. We evaluated WSFS against 387 industry peers in the Banks industry. While WSFS is still in line with the averages on profitability rating, there are concerns on its financial health. WSFS has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year WSFS was profitable.
WSFS had a positive operating cash flow in the past year.
In the past 5 years WSFS has always been profitable.
Each year in the past 5 years WSFS had a positive operating cash flow.
1.2 Ratios
WSFS has a better Return On Assets (1.34%) than 83.98% of its industry peers.
Looking at the Return On Equity, with a value of 10.12%, WSFS is in the better half of the industry, outperforming 64.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.34% | ||
| ROE | 10.12% | ||
| ROIC | N/A |
ROA(3y)1.23%
ROA(5y)1.24%
ROE(3y)10.38%
ROE(5y)10.31%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 26.40%, WSFS is in the better half of the industry, outperforming 63.05% of the companies in the same industry.
WSFS's Profit Margin has been stable in the last couple of years.
WSFS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.4% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.85%
PM growth 5Y1.4%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
WSFS does not have a ROIC to compare to the WACC, probably because it is not profitable.
WSFS has less shares outstanding than it did 1 year ago.
The number of shares outstanding for WSFS has been increased compared to 5 years ago.
WSFS has a better debt/assets ratio than last year.
2.2 Solvency
WSFS has a debt to FCF ratio of 1.17. This is a very positive value and a sign of high solvency as it would only need 1.17 years to pay back of all of its debts.
WSFS has a better Debt to FCF ratio (1.17) than 62.53% of its industry peers.
WSFS has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
WSFS has a Debt to Equity ratio of 0.09. This is in the better half of the industry: WSFS outperforms 70.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.59%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 10.41% over the past year.
WSFS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.26% yearly.
Looking at the last year, WSFS shows a small growth in Revenue. The Revenue has grown by 0.52% in the last year.
Measured over the past years, WSFS shows a quite strong growth in Revenue. The Revenue has been growing by 10.57% on average per year.
EPS 1Y (TTM)10.41%
EPS 3Y-7.97%
EPS 5Y3.26%
EPS Q2Q%26.85%
Revenue 1Y (TTM)0.52%
Revenue growth 3Y19.12%
Revenue growth 5Y10.57%
Sales Q2Q%3.67%
3.2 Future
The Earnings Per Share is expected to grow by 10.73% on average over the next years. This is quite good.
WSFS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.83% yearly.
EPS Next Y16.76%
EPS Next 2Y9.48%
EPS Next 3Y10.73%
EPS Next 5YN/A
Revenue Next Year2.2%
Revenue Next 2Y9.58%
Revenue Next 3Y7.83%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
WSFS is valuated reasonably with a Price/Earnings ratio of 11.44.
WSFS's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.31. WSFS is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 10.63, the valuation of WSFS can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as WSFS.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.59, WSFS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.44 | ||
| Fwd PE | 10.63 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as WSFS.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.01 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
WSFS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.68
PEG (5Y)3.5
EPS Next 2Y9.48%
EPS Next 3Y10.73%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.28%, WSFS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.33, WSFS is paying slightly less dividend.
With a Dividend Yield of 1.28, WSFS pays less dividend than the S&P500 average, which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.28% |
5.2 History
The dividend of WSFS has a limited annual growth rate of 2.07%.
WSFS has paid a dividend for at least 10 years, which is a reliable track record.
WSFS has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.07%
Div Incr Years0
Div Non Decr Years26
5.3 Sustainability
13.25% of the earnings are spent on dividend by WSFS. This is a low number and sustainable payout ratio.
WSFS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP13.25%
EPS Next 2Y9.48%
EPS Next 3Y10.73%
55.81
-0.59 (-1.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners93.21%
Inst Owner Change1.53%
Ins Owners1.24%
Ins Owner Change0.38%
Market Cap3.05B
Revenue(TTM)1.06B
Net Income(TTM)278.67M
Analysts80
Price Target64.77 (16.05%)
Short Float %3.2%
Short Ratio5.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.28% |
Yearly Dividend0.6
Dividend Growth(5Y)2.07%
DP13.25%
Div Incr Years0
Div Non Decr Years26
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.46%
Min EPS beat(2)6.79%
Max EPS beat(2)10.14%
EPS beat(4)4
Avg EPS beat(4)8.65%
Min EPS beat(4)6.05%
Max EPS beat(4)11.64%
EPS beat(8)8
Avg EPS beat(8)5.79%
EPS beat(12)10
Avg EPS beat(12)3.59%
EPS beat(16)12
Avg EPS beat(16)6.14%
Revenue beat(2)0
Avg Revenue beat(2)-0.49%
Min Revenue beat(2)-0.86%
Max Revenue beat(2)-0.12%
Revenue beat(4)1
Avg Revenue beat(4)-0.43%
Min Revenue beat(4)-0.92%
Max Revenue beat(4)0.18%
Revenue beat(8)1
Avg Revenue beat(8)-0.9%
Revenue beat(12)5
Avg Revenue beat(12)5.05%
Revenue beat(16)9
Avg Revenue beat(16)13.77%
PT rev (1m)-2.31%
PT rev (3m)-1.55%
EPS NQ rev (1m)-1.14%
EPS NQ rev (3m)-1.54%
EPS NY rev (1m)1.99%
EPS NY rev (3m)2.19%
Revenue NQ rev (1m)0.28%
Revenue NQ rev (3m)-0.29%
Revenue NY rev (1m)0.36%
Revenue NY rev (3m)0.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.44 | ||
| Fwd PE | 10.63 | ||
| P/S | 2.89 | ||
| P/FCF | 14.01 | ||
| P/OCF | 13.48 | ||
| P/B | 1.11 | ||
| P/tB | 1.71 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.88
EY8.74%
EPS(NY)5.25
Fwd EY9.41%
FCF(TTM)3.98
FCFY7.14%
OCF(TTM)4.14
OCFY7.42%
SpS19.31
BVpS50.35
TBVpS32.55
PEG (NY)0.68
PEG (5Y)3.5
Graham Number74.36
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.34% | ||
| ROE | 10.12% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.4% | ||
| GM | N/A | ||
| FCFM | 20.63% |
ROA(3y)1.23%
ROA(5y)1.24%
ROE(3y)10.38%
ROE(5y)10.31%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.85%
PM growth 5Y1.4%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.17 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 28.43% | ||
| Cap/Sales | 0.82% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 78.16% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC14.59%
ROIC/WACCN/A
Cap/Depr(3y)29.43%
Cap/Depr(5y)28.3%
Cap/Sales(3y)0.98%
Cap/Sales(5y)1.02%
Profit Quality(3y)125.31%
Profit Quality(5y)85.33%
High Growth Momentum
Growth
EPS 1Y (TTM)10.41%
EPS 3Y-7.97%
EPS 5Y3.26%
EPS Q2Q%26.85%
EPS Next Y16.76%
EPS Next 2Y9.48%
EPS Next 3Y10.73%
EPS Next 5YN/A
Revenue 1Y (TTM)0.52%
Revenue growth 3Y19.12%
Revenue growth 5Y10.57%
Sales Q2Q%3.67%
Revenue Next Year2.2%
Revenue Next 2Y9.58%
Revenue Next 3Y7.83%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-39.11%
FCF growth 3Y20%
FCF growth 5Y22.12%
OCF growth 1Y-37.41%
OCF growth 3Y20.53%
OCF growth 5Y19.59%
WSFS FINANCIAL CORP / WSFS FAQ
What is the fundamental rating for WSFS stock?
ChartMill assigns a fundamental rating of 4 / 10 to WSFS.
Can you provide the valuation status for WSFS FINANCIAL CORP?
ChartMill assigns a valuation rating of 5 / 10 to WSFS FINANCIAL CORP (WSFS). This can be considered as Fairly Valued.
How profitable is WSFS FINANCIAL CORP (WSFS) stock?
WSFS FINANCIAL CORP (WSFS) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for WSFS stock?
The Price/Earnings (PE) ratio for WSFS FINANCIAL CORP (WSFS) is 11.44 and the Price/Book (PB) ratio is 1.11.
Can you provide the financial health for WSFS stock?
The financial health rating of WSFS FINANCIAL CORP (WSFS) is 3 / 10.