WSFS FINANCIAL CORP (WSFS)

US9293281021 - Common Stock

45.14  +0.17 (+0.38%)

After market: 45.14 0 (0%)

Fundamental Rating

3

WSFS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 415 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. WSFS is valued expensive and it does not seem to be growing.



4

1. Profitability

1.1 Basic Checks

WSFS had positive earnings in the past year.
WSFS had a positive operating cash flow in the past year.
Each year in the past 5 years WSFS has been profitable.
WSFS had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

WSFS has a Return On Assets of 1.31%. This is amongst the best in the industry. WSFS outperforms 81.20% of its industry peers.
Looking at the Return On Equity, with a value of 10.87%, WSFS is in the better half of the industry, outperforming 62.65% of the companies in the same industry.
Industry RankSector Rank
ROA 1.31%
ROE 10.87%
ROIC N/A
ROA(3y)1.38%
ROA(5y)1.23%
ROE(3y)11.65%
ROE(5y)9.88%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 26.52%, WSFS is in the better half of the industry, outperforming 61.69% of the companies in the same industry.
WSFS's Profit Margin has declined in the last couple of years.
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) 26.52%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y15.5%
PM growth 5Y-4.24%
GM growth 3YN/A
GM growth 5YN/A

1

2. Health

2.1 Basic Checks

WSFS does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, WSFS has less shares outstanding
Compared to 5 years ago, WSFS has more shares outstanding
WSFS has a worse debt/assets ratio than last year.

2.2 Solvency

WSFS has a debt to FCF ratio of 3.88. This is a good value and a sign of high solvency as WSFS would need 3.88 years to pay back of all of its debts.
With a Debt to FCF ratio value of 3.88, WSFS is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.36 indicates that WSFS is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.36, WSFS is doing worse than 63.86% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 3.88
Altman-Z N/A
ROIC/WACCN/A
WACC11.69%

2.3 Liquidity

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

3

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 6.29% over the past year.
Measured over the past 5 years, WSFS shows a small growth in Earnings Per Share. The EPS has been growing by 5.08% on average per year.
Looking at the last year, WSFS shows a quite strong growth in Revenue. The Revenue has grown by 9.95% in the last year.
WSFS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.94% yearly.
EPS 1Y (TTM)6.29%
EPS 3Y33.19%
EPS 5Y5.08%
EPS growth Q2Q-16.67%
Revenue 1Y (TTM)9.95%
Revenue growth 3Y15.02%
Revenue growth 5Y19.94%
Revenue growth Q2Q2.52%

3.2 Future

The Earnings Per Share is expected to decrease by -2.56% on average over the next years.
WSFS is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.67% yearly.
EPS Next Y-7.2%
EPS Next 2Y-2.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-5.71%
Revenue Next 2Y-2.67%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less 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.

3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.90 indicates a reasonable 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 26.48. WSFS is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 10.67, the valuation of WSFS can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as WSFS.
WSFS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.79, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.9
Fwd PE 10.67

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, WSFS is valued a bit more expensive than the industry average as 64.58% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 11.8
EV/EBITDA N/A

4.3 Compensation for Growth

WSFS's earnings are expected to decrease with -2.56% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.95
EPS Next 2Y-2.56%
EPS Next 3YN/A

5

5. Dividend

5.1 Amount

WSFS has a Yearly Dividend Yield of 1.35%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.70, WSFS's dividend is way lower than its industry peers. On top of this 81.69% of the companies listed in the same industry pay a better dividend than WSFS!
Compared to an average S&P500 Dividend Yield of 2.34, WSFS's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.35%

5.2 History

The dividend of WSFS is nicely growing with an annual growth rate of 7.09%!
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)7.09%
Div Incr Years10
Div Non Decr Years19

5.3 Sustainability

WSFS pays out 13.65% of its income as dividend. This is a sustainable payout ratio.
DP13.65%
EPS Next 2Y-2.56%
EPS Next 3YN/A

WSFS FINANCIAL CORP

NASDAQ:WSFS (3/28/2024, 8:00:02 PM)

After market: 45.14 0 (0%)

45.14

+0.17 (+0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.72B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 1.35%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 9.9
Fwd PE 10.67
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.95
Profitability
Industry RankSector Rank
ROA 1.31%
ROE 10.87%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 26.52%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)6.29%
EPS 3Y33.19%
EPS 5Y
EPS growth Q2Q
EPS Next Y-7.2%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)9.95%
Revenue growth 3Y15.02%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y