WSFS FINANCIAL CORP (WSFS) Stock Fundamental Analysis
NASDAQ:WSFS - Nasdaq - US9293281021 - Common Stock - Currency: USD
Taking everything into account, WSFS scores 4 out of 10 in our fundamental rating. WSFS was compared to 398 industry peers in the Banks industry. There are concerns on the financial health of WSFS while its profitability can be described as average. While showing a medium growth rate, WSFS is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year WSFS was profitable.
In the past year WSFS had a positive cash flow from operations.
In the past 5 years WSFS has always been profitable.
In the past 5 years WSFS always reported a positive cash flow from operatings.
1.2 Ratios
WSFS has a better Return On Assets (1.27%) than 82.66% of its industry peers.
The Return On Equity of WSFS (10.18%) is better than 68.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 10.18% | ||
| 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
WSFS has a better Profit Margin (25.20%) than 61.31% of its industry peers.
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) | 25.2% | ||
| 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.
The number of shares outstanding for WSFS has been reduced compared to 1 year ago.
Compared to 5 years ago, WSFS has more shares outstanding
WSFS has a better debt/assets ratio than last year.
2.2 Solvency
WSFS has a debt to FCF ratio of 1.62. This is a very positive value and a sign of high solvency as it would only need 1.62 years to pay back of all of its debts.
WSFS's Debt to FCF ratio of 1.62 is in line compared to the rest of the industry. WSFS outperforms 58.79% of its industry peers.
A Debt/Equity ratio of 0.13 indicates that WSFS is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.13, WSFS is in the better half of the industry, outperforming 64.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.62 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WSFS shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.38%.
WSFS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.26% yearly.
The Revenue has been growing slightly by 3.09% in the past year.
The Revenue has been growing by 10.57% on average over the past years. This is quite good.
EPS 1Y (TTM)-5.38%
EPS 3Y-7.97%
EPS 5Y3.26%
EPS Q2Q%1.8%
Revenue 1Y (TTM)3.09%
Revenue growth 3Y19.12%
Revenue growth 5Y10.57%
Sales Q2Q%46.1%
3.2 Future
WSFS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.26% yearly.
The Revenue is expected to grow by 2.48% on average over the next years.
EPS Next Y3.8%
EPS Next 2Y6.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.04%
Revenue Next 2Y2.48%
Revenue Next 3YN/A
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.74, the valuation of WSFS can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as WSFS.
WSFS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.79.
Based on the Price/Forward Earnings ratio of 10.45, the valuation of WSFS can be described as reasonable.
WSFS's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 21.38. WSFS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.74 | ||
| Fwd PE | 10.45 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, WSFS is valued a bit more expensive than the industry average as 62.31% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.57 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.09
PEG (5Y)3.6
EPS Next 2Y6.26%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.15%, WSFS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.54, WSFS's dividend is way lower than its industry peers. On top of this 81.41% of the companies listed in the same industry pay a better dividend than WSFS!
With a Dividend Yield of 1.15, WSFS pays less dividend than the S&P500 average, which is at 2.47.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.15% |
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 Years10
Div Non Decr Years26
5.3 Sustainability
WSFS pays out 13.58% 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.
DP13.58%
EPS Next 2Y6.26%
EPS Next 3YN/A
51.66
-0.49 (-0.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners93.18%
Inst Owner Change-0.33%
Ins Owners1.05%
Ins Owner Change3.3%
Market Cap3.00B
Analysts78.18
Price Target64.06 (24%)
Short Float %2.77%
Short Ratio4.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.15% |
Yearly Dividend0.6
Dividend Growth(5Y)2.07%
DP13.58%
Div Incr Years10
Div Non Decr Years26
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.88%
Min EPS beat(2)0.12%
Max EPS beat(2)11.64%
EPS beat(4)4
Avg EPS beat(4)3.93%
Min EPS beat(4)0.12%
Max EPS beat(4)11.64%
EPS beat(8)7
Avg EPS beat(8)2.63%
EPS beat(12)8
Avg EPS beat(12)1.71%
EPS beat(16)12
Avg EPS beat(16)17.96%
Revenue beat(2)1
Avg Revenue beat(2)-0.64%
Min Revenue beat(2)-1.45%
Max Revenue beat(2)0.18%
Revenue beat(4)1
Avg Revenue beat(4)-0.9%
Min Revenue beat(4)-2.25%
Max Revenue beat(4)0.18%
Revenue beat(8)4
Avg Revenue beat(8)3.37%
Revenue beat(12)8
Avg Revenue beat(12)15.98%
Revenue beat(16)12
Avg Revenue beat(16)20.17%
PT rev (1m)-2.48%
PT rev (3m)2.28%
EPS NQ rev (1m)0.66%
EPS NQ rev (3m)8.07%
EPS NY rev (1m)-0.19%
EPS NY rev (3m)5.17%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)2.04%
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)1.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.74 | ||
| Fwd PE | 10.45 | ||
| P/S | 2.86 | ||
| P/FCF | 14.57 | ||
| P/OCF | 13.63 | ||
| P/B | 1.16 | ||
| P/tB | 1.87 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.4
EY8.52%
EPS(NY)4.95
Fwd EY9.57%
FCF(TTM)3.55
FCFY6.86%
OCF(TTM)3.79
OCFY7.34%
SpS18.04
BVpS44.65
TBVpS27.61
PEG (NY)3.09
PEG (5Y)3.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 10.18% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.2% | ||
| GM | N/A | ||
| FCFM | 19.65% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.62 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 35.91% | ||
| Cap/Sales | 1.36% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 77.99% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.9%
ROIC/WACCN/A
Cap/Depr(3y)23.25%
Cap/Depr(5y)24.59%
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)-5.38%
EPS 3Y-7.97%
EPS 5Y3.26%
EPS Q2Q%1.8%
EPS Next Y3.8%
EPS Next 2Y6.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.09%
Revenue growth 3Y19.12%
Revenue growth 5Y10.57%
Sales Q2Q%46.1%
Revenue Next Year1.04%
Revenue Next 2Y2.48%
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 1Y-10.82%
FCF growth 3Y20%
FCF growth 5Y22.12%
OCF growth 1Y-7.22%
OCF growth 3Y20.53%
OCF growth 5Y19.59%