Logo image of WSFS

WSFS FINANCIAL CORP (WSFS) Stock Fundamental Analysis

NASDAQ:WSFS - Nasdaq - US9293281021 - Common Stock - Currency: USD

53.35  -0.56 (-1.04%)

After market: 53.35 0 (0%)

Fundamental Rating

4

Taking everything into account, WSFS scores 4 out of 10 in our fundamental rating. WSFS was compared to 397 industry peers in the Banks industry. WSFS has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, WSFS is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

In the past year WSFS was profitable.
WSFS had a positive operating cash flow in the past year.
Each year in the past 5 years WSFS has been profitable.
Each year in the past 5 years WSFS had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

WSFS's Return On Assets of 1.27% is amongst the best of the industry. WSFS outperforms 82.62% of its industry peers.
WSFS has a better Return On Equity (10.18%) than 68.26% of its industry peers.
Industry RankSector 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
WSFS Yearly ROA, ROE, ROICWSFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

WSFS's Profit Margin of 25.20% is fine compared to the rest of the industry. WSFS outperforms 61.46% of its industry peers.
In the last couple of years the Profit Margin of WSFS has remained more or less at the same level.
WSFS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
WSFS Yearly Profit, Operating, Gross MarginsWSFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

More info and screens

3

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.
Compared to 5 years ago, WSFS has more shares outstanding
WSFS has a better debt/assets ratio than last year.
WSFS Yearly Shares OutstandingWSFS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
WSFS Yearly Total Debt VS Total AssetsWSFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

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 has a Debt to FCF ratio (1.62) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.13 indicates that WSFS is not too dependend on debt financing.
WSFS has a better Debt to Equity ratio (0.13) than 64.99% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.62
Altman-Z N/A
ROIC/WACCN/A
WACC14.83%
WSFS Yearly LT Debt VS Equity VS FCFWSFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

More info and screens

4

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%.
Measured over the past 5 years, WSFS shows a small growth in Earnings Per Share. The EPS has been growing by 3.26% on average per year.
The Revenue has been growing slightly by 3.02% in the past year.
WSFS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.57% yearly.
EPS 1Y (TTM)-5.38%
EPS 3Y-7.97%
EPS 5Y3.26%
EPS Q2Q%1.8%
Revenue 1Y (TTM)3.02%
Revenue growth 3Y19.12%
Revenue growth 5Y10.57%
Sales Q2Q%46.1%

3.2 Future

The Earnings Per Share is expected to grow by 6.26% on average over the next years.
Based on estimates for the next years, WSFS will show a small growth in Revenue. The Revenue will grow by 2.48% on average per year.
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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
WSFS Yearly Revenue VS EstimatesWSFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
WSFS Yearly EPS VS EstimatesWSFS Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.13, WSFS is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as WSFS.
WSFS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.21.
A Price/Forward Earnings ratio of 10.79 indicates a reasonable valuation of WSFS.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WSFS indicates a slightly more expensive valuation: WSFS is more expensive than 60.20% of the companies listed in the same industry.
WSFS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.44.
Industry RankSector Rank
PE 12.13
Fwd PE 10.79
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 the industry average as 60.96% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 14.97
EV/EBITDA N/A
WSFS Per share dataWSFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates WSFS does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.19
PEG (5Y)3.71
EPS Next 2Y6.26%
EPS Next 3YN/A

More info and screens

5

5. Dividend

5.1 Amount

WSFS has a Yearly Dividend Yield of 1.31%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.31, WSFS pays less dividend than the industry average, which is at 3.49. 80.10% of the companies listed in the same industry pay a better dividend than WSFS!
Compared to an average S&P500 Dividend Yield of 2.44, WSFS's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.31%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)2.07%
Div Incr Years10
Div Non Decr Years26
WSFS Yearly Dividends per shareWSFS Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

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
WSFS Yearly Income VS Free CF VS DividendWSFS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
WSFS Dividend Payout.WSFS Dividend Payout, showing the Payout Ratio.WSFS Dividend Payout.PayoutRetained Earnings

More info and screens

WSFS FINANCIAL CORP

NASDAQ:WSFS (5/9/2025, 8:27:44 PM)

After market: 53.35 0 (0%)

53.35

-0.56 (-1.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners93.18%
Inst Owner Change-0.9%
Ins Owners1.05%
Ins Owner Change3.29%
Market Cap3.08B
Analysts78.18
Price Target64.06 (20.07%)
Short Float %2.98%
Short Ratio4.61
Dividend
Industry RankSector Rank
Dividend Yield 1.31%
Yearly Dividend0.6
Dividend Growth(5Y)2.07%
DP13.58%
Div Incr Years10
Div Non Decr Years26
Ex-Date05-09 2025-05-09 (0.17)
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)1.62%
EPS NQ rev (1m)0.66%
EPS NQ rev (3m)7.85%
EPS NY rev (1m)-0.19%
EPS NY rev (3m)5.77%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)1.96%
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)1.6%
Valuation
Industry RankSector Rank
PE 12.13
Fwd PE 10.79
P/S 2.94
P/FCF 14.97
P/OCF 14
P/B 1.19
P/tB 1.92
EV/EBITDA N/A
EPS(TTM)4.4
EY8.25%
EPS(NY)4.95
Fwd EY9.27%
FCF(TTM)3.56
FCFY6.68%
OCF(TTM)3.81
OCFY7.14%
SpS18.14
BVpS44.89
TBVpS27.76
PEG (NY)3.19
PEG (5Y)3.71
Profitability
Industry RankSector 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 RankSector 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
WACC14.83%
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)3.02%
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%