WSFS Stock Analysis: WSFS Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 4.010m USD | 12M Return: 43.4% | US9293281021 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 27.4M
EPS Trend: 70.7%
Qual. Beats: 5
Rev. Trend: 62.2%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
WSFS Financial Corporation is a savings and loan holding company that operates primarily through its main subsidiary, Wilmington Savings Fund Society, FSB (WSFS Bank), headquartered in Wilmington, Delaware. Founded in 1832, the company conducts its business across three segments: WSFS Bank (traditional community banking), Cash Connect (ATM vault cash and cash logistics services), and Wealth and Trust (investment management, advisory, and personal and institutional trust services).
As a Regional Bank within the Financials sector, WSFS generates revenue through a mix of deposit gathering, lending activities, and fee-based services. Its loan portfolio spans commercial and industrial loans, commercial mortgages, construction and land development loans, residential mortgages, consumer loans, and education loans. The company also offers a broad range of deposit products, including noninterest-bearing and interest-bearing demand deposits, money market accounts, and certificates of deposit. The Cash Connect segment distinguishes WSFS from many peer regional banks, providing specialized ATM vault cash, smart safe, and cash logistics services to financial institutions and retailers nationwide.
- Net interest margin compresses on Fed rate cuts
- Cash Connect ATM logistics revenue scales nationwide
- Commercial and consumer loan growth lifts interest income
- Wealth and Trust fees expand with AUM growth
| Net Income: 320.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.61 > 1.0 |
| NWC/Revenue: -872.1% < 20% (prev -1.09k%; Δ 218.9% < -1%) |
| CFO/TA 0.01 > 3% & CFO 247.7m > Net Income 320.4m |
| Net Debt (-7.08b) to EBITDA (466.6m): -15.18 < 3 |
| Current Ratio: 0.38 > 1.5 & < 3 |
| Outstanding Shares: last quarter (51.9m) vs 12m ago -8.65% < -2% |
| Gross Margin: 78.38% > 18% (prev 71.98%; Δ 6.40% > 0.5%) |
| Asset Turnover: 6.30% > 50% (prev 6.66%; Δ -0.36% > 0%) |
| Interest Coverage Ratio: 1.57 > 6 (EBIT TTM 428.5m / Interest Expense TTM 272.7m) |
| A: -0.53 (Total Current Assets 7.39b - Total Current Liabilities 19.3b) / Total Assets 22.7b |
| B: 0.10 (Retained Earnings 2.27b / Total Assets 22.7b) |
| C: 0.02 (EBIT TTM 428.5m / Avg Total Assets 21.7b) |
| D: 0.14 (Book Value of Equity 2.72b / Total Liabilities 19.9b) |
| Altman-Z'' = -2.85 = D |
| DSRI: 0.11 (Receivables 78.1m/709.9m, Revenue 1.37b/1.38b) |
| GMI: 0.92 (GM 71.98% / 78.38%) |
| AQI: 0.75 (AQ_t 0.67 / AQ_t-1 0.90) |
| SGI: 0.99 (Revenue 1.37b / 1.38b) |
| TATA: 0.00 (NI 320.4m - CFO 247.7m) / TA 22.7b) |
| Beneish M = -3.99 (Cap -4..+1) = AAA |
As of October 06, 2026, the stock is trading at USD 77.34 with a total of 397,238 shares traded. Over the past week, the price has changed by +1.18%, over one month by -2.42%, over three months by -0.49% and over the past year by +43.39%.
Current recommended Stop Loss: 75.30 (which is 2.6% or 1.4 ATR below the current price).
WSFS Financial has received a consensus analysts rating of 3.67. Therefore, it is recommended to hold WSFS.
- StrongBuy: 2
- Buy: 0
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 88.9 | 15% |
P/E Trailing = 12.855
P/E Forward = 11.0865
P/S = 3.7203
P/B = 1.4448
P/EG = 0.9752
Revenue TTM = 1.37b USD
EBIT TTM = 428.5m USD
EBITDA TTM = 466.6m USD
Long Term Debt = 307.0m USD (from longTermDebt, last quarter)
Short Term Debt = 307.0m USD (from shortTermDebt, last quarter)
Debt = 307.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -7.08b USD (calculated: Debt 307.0m - CCE 7.39b)
Enterprise Value = 4.01b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.57 (Ebit TTM 428.5m / Interest Expense TTM 272.7m)
EV/FCF = 16.49x (Enterprise Value 4.01b / FCF TTM 243.1m)
FCF Yield = 6.06% (FCF TTM 243.1m / Enterprise Value 4.01b)
FCF Margin = 17.78% (FCF TTM 243.1m / Revenue TTM 1.37b)
Net Margin = 23.43% (Net Income TTM 320.4m / Revenue TTM 1.37b)
Gross Margin = 78.38% ((Revenue TTM 1.37b - Cost of Revenue TTM 295.6m) / Revenue TTM)
Gross Margin QoQ = 79.99% (prev 81.40%)
Tobins Q-Ratio = 0.18 (Enterprise Value 4.01b / Total Assets 22.7b)
Interest Expense / Debt = 88.81% (Interest Expense 272.7m / Debt 307.0m)
Taxrate = 24.40% (103.4m / 423.7m)
NOPAT = 323.9m (EBIT 428.5m * (1 - 24.40%))
Current Ratio = 0.38 (Total Current Assets 7.39b / Total Current Liabilities 19.3b)
Debt / Equity = 0.11 (Debt 307.0m / totalStockholderEquity, last quarter 2.72b)
Debt / EBITDA = -15.18 (Net Debt -7.08b / EBITDA 466.6m)
Debt / FCF = -29.13 (Net Debt -7.08b / FCF TTM 243.1m)
Total Stockholder Equity = 2.73b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.48% (Net Income 320.4m / Total Assets 22.7b)
RoE = 11.74% (Net Income TTM 320.4m / Total Stockholder Equity 2.73b)
RoCE = 14.11% (EBIT 428.5m / Capital Employed (Equity 2.73b + L.T.Debt 307.0m))
RoIC = 9.04% (NOPAT 323.9m / Invested Capital 3.58b)
WACC = 7.95% (E(4.01b)/V(4.32b) * Re(8.56%) + (debt cost/tax rate unavailable))
Discount Rate = 8.56% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.10 | Cagr: -6.57%
[DCF] Terminal Value 77.97% ; FCFF base≈184.4m ; Y1≈211.4m ; Y5≈311.2m
[DCF] Fair Price = 228.9 (EV 4.68b - Net Debt -7.08b = Equity 11.8b / Shares 51.4m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 70.67 | EPS CAGR: 9.09% | SUE: 2.43 | # QB: 5
Revenue Correlation: 62.18 | Revenue CAGR: 3.26% | SUE: 0.62 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.61 | Chg30d=+0.20% | Revisions=+67% | Analysts=6
EPS current Year (2026-12-31): EPS=6.59 | Chg30d=+0.20% | Revisions=+67% | GrowthEPS=+26.5% | GrowthRev=+7.2%
EPS next Year (2027-12-31): EPS=6.94 | Chg30d=+0.73% | Revisions=+67% | GrowthEPS=+5.2% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: +86% (up=18, down=0)