WSFS FINANCIAL CORP (WSFS) Fundamental Analysis & Valuation

NASDAQ:WSFS • US9293281021

Current stock price

63.46 USD
-1.74 (-2.67%)
At close:
63.46 USD
0 (0%)
After Hours:

This WSFS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. WSFS Profitability Analysis

1.1 Basic Checks

  • In the past year WSFS was profitable.
  • In the past year WSFS had a positive cash flow from operations.
  • WSFS had positive earnings in each of the past 5 years.
  • In the past 5 years WSFS always reported a positive cash flow from operatings.
WSFS Yearly Net Income VS EBIT VS OCF VS FCFWSFS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

1.2 Ratios

  • WSFS has a better Return On Assets (1.35%) than 83.16% of its industry peers.
  • WSFS has a better Return On Equity (10.49%) than 65.00% of its industry peers.
Industry RankSector Rank
ROA 1.35%
ROE 10.49%
ROIC N/A
ROA(3y)1.31%
ROA(5y)1.35%
ROE(3y)10.51%
ROE(5y)11.12%
ROIC(3y)N/A
ROIC(5y)N/A
WSFS Yearly ROA, ROE, ROICWSFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • WSFS has a Profit Margin of 26.96%. This is in the better half of the industry: WSFS outperforms 61.05% of its industry peers.
  • In the last couple of years the Profit Margin of WSFS has grown nicely.
  • The Operating Margin and Gross Margin are not available for WSFS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.96%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.81%
PM growth 5Y9.39%
GM growth 3YN/A
GM growth 5YN/A
WSFS Yearly Profit, Operating, Gross MarginsWSFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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3

2. WSFS Health Analysis

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.
  • The debt/assets ratio for WSFS has been reduced compared to a year ago.
WSFS Yearly Shares OutstandingWSFS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
WSFS Yearly Total Debt VS Total AssetsWSFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • WSFS has a debt to FCF ratio of 1.42. This is a very positive value and a sign of high solvency as it would only need 1.42 years to pay back of all of its debts.
  • The Debt to FCF ratio of WSFS (1.42) is better than 60.26% of its industry peers.
  • A Debt/Equity ratio of 0.11 indicates that WSFS is not too dependend on debt financing.
  • WSFS's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. WSFS outperforms 63.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.42
Altman-Z N/A
ROIC/WACCN/A
WACC14.64%
WSFS Yearly LT Debt VS Equity VS FCFWSFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WSFS Yearly Current Assets VS Current LiabilitesWSFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. WSFS Growth Analysis

3.1 Past

  • WSFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.32%, which is quite impressive.
  • Measured over the past years, WSFS shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.25% on average per year.
  • Looking at the last year, WSFS shows a small growth in Revenue. The Revenue has grown by 1.88% in the last year.
  • Measured over the past years, WSFS shows a quite strong growth in Revenue. The Revenue has been growing by 9.83% on average per year.
EPS 1Y (TTM)20.32%
EPS 3Y7.1%
EPS 5Y22.25%
EPS Q2Q%35.14%
Revenue 1Y (TTM)1.88%
Revenue growth 3Y4.92%
Revenue growth 5Y9.83%
Sales Q2Q%5.13%

3.2 Future

  • Based on estimates for the next years, WSFS will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.00% on average per year.
  • The Revenue is expected to grow by 13.15% on average over the next years. This is quite good.
EPS Next Y11.05%
EPS Next 2Y11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year23.81%
Revenue Next 2Y13.15%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
WSFS Yearly Revenue VS EstimatesWSFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
WSFS Yearly EPS VS EstimatesWSFS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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4

4. WSFS Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.04, which indicates a correct valuation of WSFS.
  • The rest of the industry has a similar Price/Earnings ratio as WSFS.
  • The average S&P500 Price/Earnings ratio is at 24.89. WSFS is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 10.84, which indicates a very decent valuation of WSFS.
  • WSFS's Price/Forward Earnings ratio is in line with the industry average.
  • WSFS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.19.
Industry RankSector Rank
PE 12.04
Fwd PE 10.84
WSFS Price Earnings VS Forward Price EarningsWSFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, WSFS is valued a bit more expensive than 67.37% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.67
EV/EBITDA N/A
WSFS Per share dataWSFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.09
PEG (5Y)0.54
EPS Next 2Y11%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. WSFS Dividend Analysis

5.1 Amount

  • WSFS has a Yearly Dividend Yield of 1.22%.
  • Compared to an average industry Dividend Yield of 2.66, WSFS's dividend is way lower than its industry peers. On top of this 80.79% of the companies listed in the same industry pay a better dividend than WSFS!
  • Compared to the average S&P500 Dividend Yield of 1.89, WSFS is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.22%

5.2 History

  • On average, the dividend of WSFS grows each year by 6.33%, which is quite nice.
  • 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)6.33%
Div Incr Years0
Div Non Decr Years26
WSFS Yearly Dividends per shareWSFS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • WSFS pays out 12.93% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of WSFS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP12.93%
EPS Next 2Y11%
EPS Next 3YN/A
WSFS Yearly Income VS Free CF VS DividendWSFS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
WSFS Dividend Payout.WSFS Dividend Payout, showing the Payout Ratio.WSFS Dividend Payout.PayoutRetained Earnings

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WSFS Fundamentals: All Metrics, Ratios and Statistics

WSFS FINANCIAL CORP

NASDAQ:WSFS (3/27/2026, 8:00:03 PM)

After market: 63.46 0 (0%)

63.46

-1.74 (-2.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-23
Inst Owners92.65%
Inst Owner Change-8.53%
Ins Owners1.07%
Ins Owner Change5.93%
Market Cap3.35B
Revenue(TTM)1.07B
Net Income(TTM)287.35M
Analysts78.18
Price Target73.02 (15.06%)
Short Float %2.62%
Short Ratio3.12
Dividend
Industry RankSector Rank
Dividend Yield 1.22%
Yearly Dividend0.66
Dividend Growth(5Y)6.33%
DP12.93%
Div Incr Years0
Div Non Decr Years26
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.07%
Min EPS beat(2)6.79%
Max EPS beat(2)19.35%
EPS beat(4)4
Avg EPS beat(4)10.58%
Min EPS beat(4)6.05%
Max EPS beat(4)19.35%
EPS beat(8)8
Avg EPS beat(8)7.26%
EPS beat(12)11
Avg EPS beat(12)5.28%
EPS beat(16)12
Avg EPS beat(16)3.93%
Revenue beat(2)1
Avg Revenue beat(2)0.9%
Min Revenue beat(2)-0.12%
Max Revenue beat(2)1.92%
Revenue beat(4)1
Avg Revenue beat(4)0%
Min Revenue beat(4)-0.92%
Max Revenue beat(4)1.92%
Revenue beat(8)2
Avg Revenue beat(8)-0.45%
Revenue beat(12)5
Avg Revenue beat(12)2.25%
Revenue beat(16)9
Avg Revenue beat(16)11.98%
PT rev (1m)1.9%
PT rev (3m)13.26%
EPS NQ rev (1m)6.86%
EPS NQ rev (3m)16.9%
EPS NY rev (1m)0.1%
EPS NY rev (3m)10.79%
Revenue NQ rev (1m)-9.42%
Revenue NQ rev (3m)23.61%
Revenue NY rev (1m)-9.61%
Revenue NY rev (3m)23.62%
Valuation
Industry RankSector Rank
PE 12.04
Fwd PE 10.84
P/S 3.14
P/FCF 15.67
P/OCF 15.21
P/B 1.22
P/tB 1.89
EV/EBITDA N/A
EPS(TTM)5.27
EY8.3%
EPS(NY)5.85
Fwd EY9.22%
FCF(TTM)4.05
FCFY6.38%
OCF(TTM)4.17
OCFY6.57%
SpS20.22
BVpS51.94
TBVpS33.54
PEG (NY)1.09
PEG (5Y)0.54
Graham Number78.47
Profitability
Industry RankSector Rank
ROA 1.35%
ROE 10.49%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.96%
GM N/A
FCFM 20.04%
ROA(3y)1.31%
ROA(5y)1.35%
ROE(3y)10.51%
ROE(5y)11.12%
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 3Y3.81%
PM growth 5Y9.39%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.42
Debt/EBITDA N/A
Cap/Depr 23.34%
Cap/Sales 0.6%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 74.34%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.64%
ROIC/WACCN/A
Cap/Depr(3y)30.32%
Cap/Depr(5y)27.4%
Cap/Sales(3y)0.86%
Cap/Sales(5y)0.92%
Profit Quality(3y)79.33%
Profit Quality(5y)98.83%
High Growth Momentum
Growth
EPS 1Y (TTM)20.32%
EPS 3Y7.1%
EPS 5Y22.25%
EPS Q2Q%35.14%
EPS Next Y11.05%
EPS Next 2Y11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.88%
Revenue growth 3Y4.92%
Revenue growth 5Y9.83%
Sales Q2Q%5.13%
Revenue Next Year23.81%
Revenue Next 2Y13.15%
Revenue Next 3YN/A
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 1Y3.88%
FCF growth 3Y-23.23%
FCF growth 5Y93.37%
OCF growth 1Y0.05%
OCF growth 3Y-22.95%
OCF growth 5Y70.88%

WSFS FINANCIAL CORP / WSFS Fundamental Analysis FAQ

What is the fundamental rating for WSFS stock?

ChartMill assigns a fundamental rating of 5 / 10 to WSFS.


What is the valuation status of WSFS FINANCIAL CORP (WSFS) stock?

ChartMill assigns a valuation rating of 4 / 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.


What is the earnings growth outlook for WSFS FINANCIAL CORP?

The Earnings per Share (EPS) of WSFS FINANCIAL CORP (WSFS) is expected to grow by 11.05% in the next year.


Is the dividend of WSFS FINANCIAL CORP sustainable?

The dividend rating of WSFS FINANCIAL CORP (WSFS) is 6 / 10 and the dividend payout ratio is 12.93%.