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WSFS FINANCIAL CORP (WSFS) Stock Fundamental Analysis

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

59.07  +0.84 (+1.44%)

After market: 59.07 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to WSFS. WSFS was compared to 395 industry peers in the Banks industry. There are concerns on the financial health of WSFS while its profitability can be described as average. WSFS is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

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.
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 has a Return On Assets of 1.28%. This is amongst the best in the industry. WSFS outperforms 82.28% of its industry peers.
WSFS has a Return On Equity of 9.87%. This is in the better half of the industry: WSFS outperforms 64.56% of its industry peers.
Industry RankSector Rank
ROA 1.28%
ROE 9.87%
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

The Profit Margin of WSFS (25.09%) is comparable to the rest of the 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 RankSector Rank
OM N/A
PM (TTM) 25.09%
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

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2

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 2.58. This is a good value and a sign of high solvency as WSFS would need 2.58 years to pay back of all of its debts.
The Debt to FCF ratio of WSFS (2.58) is worse than 60.51% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that WSFS is not too dependend on debt financing.
WSFS has a Debt to Equity ratio of 0.10. This is in the better half of the industry: WSFS outperforms 70.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 2.58
Altman-Z N/A
ROIC/WACCN/A
WACC14.42%
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

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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.
WSFS shows a small growth in Revenue. In the last year, the Revenue has grown by 3.02%.
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)-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%-0.05%

3.2 Future

Based on estimates for the next years, WSFS will show a small growth in Earnings Per Share. The EPS will grow by 7.69% on average per year.
Based on estimates for the next years, WSFS will show a small growth in Revenue. The Revenue will grow by 2.25% on average per year.
EPS Next Y8.18%
EPS Next 2Y7.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.06%
Revenue Next 2Y2.25%
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.
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.
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

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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.42 indicates a correct valuation of WSFS.
Compared to the rest of the industry, the Price/Earnings ratio of WSFS is on the same level as its industry peers.
WSFS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.45.
With a Price/Forward Earnings ratio of 11.63, the valuation of WSFS can be described as very reasonable.
WSFS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. WSFS is more expensive than 63.04% of the companies in the same industry.
WSFS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.90.
Industry RankSector Rank
PE 13.43
Fwd PE 11.63
WSFS Price Earnings VS Forward Price EarningsWSFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of WSFS indicates a rather expensive valuation: WSFS more expensive than 80.51% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 32.46
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

WSFS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.64
PEG (5Y)4.11
EPS Next 2Y7.69%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

WSFS has a Yearly Dividend Yield of 1.22%.
Compared to an average industry Dividend Yield of 3.47, WSFS's dividend is way lower than its industry peers. On top of this 80.51% of the companies listed in the same industry pay a better dividend than WSFS!
Compared to an average S&P500 Dividend Yield of 2.42, WSFS's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.22%

5.2 History

The dividend of WSFS has a limited annual growth rate of 2.07%.
WSFS has been paying a dividend for at least 10 years, so it has 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 Years0
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 13.47% 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.
DP13.47%
EPS Next 2Y7.69%
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

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WSFS FINANCIAL CORP

NASDAQ:WSFS (7/3/2025, 8:17:59 PM)

After market: 59.07 0 (0%)

59.07

+0.84 (+1.44%)

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 Owners95.11%
Inst Owner Change-0.43%
Ins Owners1.21%
Ins Owner Change4.2%
Market Cap3.35B
Analysts78.18
Price Target63.24 (7.06%)
Short Float %2.62%
Short Ratio4.25
Dividend
Industry RankSector Rank
Dividend Yield 1.22%
Yearly Dividend0.6
Dividend Growth(5Y)2.07%
DP13.47%
Div Incr Years0
Div Non Decr Years26
Ex-Date05-09 2025-05-09 (0.17)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.85%
Min EPS beat(2)6.05%
Max EPS beat(2)11.64%
EPS beat(4)4
Avg EPS beat(4)4.92%
Min EPS beat(4)0.12%
Max EPS beat(4)11.64%
EPS beat(8)8
Avg EPS beat(8)6.1%
EPS beat(12)9
Avg EPS beat(12)2.68%
EPS beat(16)12
Avg EPS beat(16)14.71%
Revenue beat(2)1
Avg Revenue beat(2)-0.37%
Min Revenue beat(2)-0.92%
Max Revenue beat(2)0.18%
Revenue beat(4)1
Avg Revenue beat(4)-1.11%
Min Revenue beat(4)-2.25%
Max Revenue beat(4)0.18%
Revenue beat(8)3
Avg Revenue beat(8)-0.27%
Revenue beat(12)7
Avg Revenue beat(12)12.1%
Revenue beat(16)11
Avg Revenue beat(16)18.4%
PT rev (1m)0%
PT rev (3m)-3.73%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.36%
EPS NY rev (1m)0%
EPS NY rev (3m)4.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.08%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.26%
Valuation
Industry RankSector Rank
PE 13.43
Fwd PE 11.63
P/S 3.19
P/FCF 32.46
P/OCF 28.97
P/B 1.26
P/tB 1.99
EV/EBITDA N/A
EPS(TTM)4.4
EY7.45%
EPS(NY)5.08
Fwd EY8.6%
FCF(TTM)1.82
FCFY3.08%
OCF(TTM)2.04
OCFY3.45%
SpS18.52
BVpS47.05
TBVpS29.72
PEG (NY)1.64
PEG (5Y)4.11
Profitability
Industry RankSector Rank
ROA 1.28%
ROE 9.87%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.09%
GM N/A
FCFM 9.83%
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 0.1
Debt/FCF 2.58
Debt/EBITDA N/A
Cap/Depr 32.41%
Cap/Sales 1.18%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 39.17%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC14.42%
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 Y8.18%
EPS Next 2Y7.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.02%
Revenue growth 3Y19.12%
Revenue growth 5Y10.57%
Sales Q2Q%-0.05%
Revenue Next Year1.06%
Revenue Next 2Y2.25%
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-76.77%
FCF growth 3Y20%
FCF growth 5Y22.12%
OCF growth 1Y-74.44%
OCF growth 3Y20.53%
OCF growth 5Y19.59%