WSFS Fundamental Analysis - WSFS FINANCIAL CORP

Fundamental Rating

WSFS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 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. While showing a medium growth rate, WSFS is valued expensive at the moment.

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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.

WSFS had positive earnings in each of the past 5 years.

WSFS had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

WSFS has a better Return On Assets (1.28%) than 82.28% of its industry peers.

The Return On Equity of WSFS (9.87%) is better than 64.56% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

WSFS has a Profit Margin (25.09%) which is in line with its industry peers.

WSFS's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for WSFS so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

Compared to 1 year ago, WSFS has an improved debt to assets ratio.

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.

With a Debt to FCF ratio value of 2.58, WSFS is not doing good in the industry: 60.51% of the companies in the same industry are doing better.

A Debt/Equity ratio of 0.10 indicates that WSFS is not too dependend on debt financing.

The Debt to Equity ratio of WSFS (0.10) is better than 70.89% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	2.58
Altman-Z	N/A

ROIC/WACCN/A

WACC14.7%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for WSFS have decreased by -5.38% in the last year.

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%.

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%-0.05%

3.2 Future

The Earnings Per Share is expected to grow by 7.69% on average over the next years.

WSFS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.25% yearly.

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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.62, WSFS is valued correctly.

WSFS's Price/Earnings ratio is in line with the industry average.

WSFS is valuated cheaply when we compare the Price/Earnings ratio to 26.69, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 10.93, the valuation of WSFS can be described as very reasonable.

60.76% of the companies in the same industry are cheaper than WSFS, based on the Price/Forward Earnings ratio.

WSFS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.29.

		Industry Rank	Sector Rank
PE	12.62
Fwd PE	10.93

4.2 Price Multiples

WSFS's Price/Free Cash Flow ratio is rather expensive when compared to the industry. WSFS is more expensive than 80.00% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	30.52
EV/EBITDA	N/A

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)1.54

PEG (5Y)3.87

EPS Next 2Y7.69%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.32%, WSFS has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.61, WSFS's dividend is way lower than its industry peers. On top of this 80.00% of the companies listed in the same industry pay a better dividend than WSFS!

Compared to an average S&P500 Dividend Yield of 2.43, WSFS's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.32%

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 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

13.47% 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.

DP13.47%

EPS Next 2Y7.69%

EPS Next 3YN/A

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WSFS FINANCIAL CORP

NASDAQ:WSFS (6/26/2025, 4:30:03 PM)

After market: 55.54 0 (0%)

55.54

+1.19 (+2.19%)

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 Cap3.15B

Analysts78.18

Price Target63.24 (13.86%)

Short Float %3.01%

Short Ratio4.76

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.32%

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 Rank	Sector Rank
PE	12.62
Fwd PE	10.93
P/S	3
P/FCF	30.52
P/OCF	27.24
P/B	1.18
P/tB	1.87
EV/EBITDA	N/A

EPS(TTM)4.4

EY7.92%

EPS(NY)5.08

Fwd EY9.15%

FCF(TTM)1.82

FCFY3.28%

OCF(TTM)2.04

OCFY3.67%

SpS18.52

BVpS47.05

TBVpS29.72

PEG (NY)1.54

PEG (5Y)3.87

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC14.7%

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%

WSFS FINANCIAL CORP (WSFS) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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