WSFS Stock Analysis: WSFS Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 4.055m USD | 12M Return: 32.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 36.7M
EPS Trend: 49.9%
Qual. Beats: 4
Rev. Trend: 74.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 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 (NASDAQ: WSFS) is a savings and loan holding company that operates through its principal subsidiary, Wilmington Savings Fund Society, FSB (WSFS Bank), one of the oldest banking institutions in the United States, having been founded in 1832 and headquartered in Wilmington, Delaware. The company conducts business through three reporting segments-WSFS Bank, Cash Connect, and Wealth and Trust-reflecting a diversified business model that extends beyond traditional regional banking.
The WSFS Bank segment generates the majority of revenue through a full range of retail and commercial banking products, including demand deposits, money market accounts, certificates of deposit, and a broad loan portfolio spanning commercial and industrial loans, commercial mortgages, construction and land development loans, residential mortgages, home equity lines, and consumer loans including education loans. The Cash Connect segment is a differentiating specialty business that provides ATM vault cash, smart safe, and cash logistics services to financial institutions and retailers nationwide-a niche cash management platform uncommon among mid-cap regional banks. The Wealth and Trust segment complements the franchise with investment management, financial planning, and personal and institutional trust services.
Classified within the Financials sector under the Regional Banks sub-industry, WSFS competes alongside other mid-cap U.S. community and super-community banks, with its scale and multi-segment structure providing both stable net interest income and higher-margin fee-based revenue streams from cash logistics and wealth management activities.
- Net interest margin compresses as Fed cuts rates
- Bryn Mawr acquisition drives loan and deposit growth
- Cash Connect ATM vault cash services scale double digits
| Net Income: 308.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.82 > 1.0 |
| NWC/Revenue: -1.11k% < 20% (prev -1.08k%; Δ -30.93% < -1%) |
| CFO/TA 0.01 > 3% & CFO 297.6m > Net Income 308.3m |
| Net Debt (-2.16b) to EBITDA (446.9m): -4.82 < 3 |
| Current Ratio: 0.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (53.0m) vs 12m ago -9.68% < -2% |
| Gross Margin: 77.03% > 18% (prev 70.69%; Δ 6.34% > 0.5%) |
| Asset Turnover: 6.38% > 50% (prev 6.81%; Δ -0.42% > 0%) |
| Interest Coverage Ratio: 1.45 > 6 (EBIT TTM 408.1m / Interest Expense TTM 282.0m) |
| A: -0.69 (Total Current Assets 2.47b - Total Current Liabilities 17.6b) / Total Assets 22.1b |
| B: 0.10 (Retained Earnings 2.20b / Total Assets 22.1b) |
| C: 0.02 (EBIT TTM 408.1m / Avg Total Assets 21.3b) |
| D: 0.14 (Book Value of Equity 2.71b / Total Liabilities 19.4b) |
| Altman-Z'' = -3.90 = D |
| DSRI: 0.11 (Receivables 79.0m/716.9m, Revenue 1.36b/1.40b) |
| GMI: 0.92 (GM 70.69% / 77.03%) |
| AQI: 0.97 (AQ_t 0.89 / AQ_t-1 0.91) |
| SGI: 0.97 (Revenue 1.36b / 1.40b) |
| TATA: 0.00 (NI 308.3m - CFO 297.6m) / TA 22.1b) |
| Beneish M = -3.87 (Cap -4..+1) = AAA |
As of July 08, 2026, the stock is trading at USD 76.24 with a total of 610,631 shares traded. Over the past week, the price has changed by -0.60%, over one month by +5.67%, over three months by +14.54% and over the past year by +32.61%.
Current recommended Stop Loss: 74.30 (which is 2.5% or 1.3 ATR below the current price).
WSFS Financial has received a consensus analysts rating of 3.80. Therefore, it is recommended to hold WSFS.
- StrongBuy: 2
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 81.2 | 6.5% |
P/E Trailing = 13.8877
P/E Forward = 11.0865
P/S = 3.8424
P/B = 1.4741
P/EG = 0.9752
Revenue TTM = 1.36b USD
EBIT TTM = 408.1m USD
EBITDA TTM = 446.9m USD
Long Term Debt = 310.4m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 310.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.16b USD (calculated: Debt 310.4m - CCE 2.47b)
Enterprise Value = 1.90b USD (4.05b + Debt 310.4m - CCE 2.47b)
Interest Coverage Ratio = 1.45 (Ebit TTM 408.1m / Interest Expense TTM 282.0m)
EV/FCF = 6.49x (Enterprise Value 1.90b / FCF TTM 292.8m)
FCF Yield = 15.41% (FCF TTM 292.8m / Enterprise Value 1.90b)
FCF Margin = 21.50% (FCF TTM 292.8m / Revenue TTM 1.36b)
Net Margin = 22.64% (Net Income TTM 308.3m / Revenue TTM 1.36b)
Gross Margin = 77.03% ((Revenue TTM 1.36b - Cost of Revenue TTM 312.8m) / Revenue TTM)
Gross Margin QoQ = 81.40% (prev 75.85%)
Tobins Q-Ratio = 0.09 (Enterprise Value 1.90b / Total Assets 22.1b)
Interest Expense / Debt = 90.87% (Interest Expense 282.0m / Debt 310.4m)
Taxrate = 24.48% (99.9m / 408.1m)
NOPAT = 308.2m (EBIT 408.1m * (1 - 24.48%))
Current Ratio = 0.14 (Total Current Assets 2.47b / Total Current Liabilities 17.6b)
Debt / Equity = 0.11 (Debt 310.4m / totalStockholderEquity, last quarter 2.71b)
Debt / EBITDA = -4.82 (Net Debt -2.16b / EBITDA 446.9m)
Debt / FCF = -7.36 (Net Debt -2.16b / FCF TTM 292.8m)
Total Stockholder Equity = 2.72b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.45% (Net Income 308.3m / Total Assets 22.1b)
RoE = 11.34% (Net Income TTM 308.3m / Total Stockholder Equity 2.72b)
RoCE = 13.47% (EBIT 408.1m / Capital Employed (Equity 2.72b + L.T.Debt 310.4m))
RoIC = 7.01% (NOPAT 308.2m / Invested Capital 4.40b)
WACC = 8.11% (E(4.05b)/V(4.37b) * Re(8.73%) + (debt cost/tax rate unavailable))
Discount Rate = 8.73% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.56 | Cagr: -5.88%
[DCF] Terminal Value 77.97% ; FCFF base≈217.0m ; Y1≈248.8m ; Y5≈366.1m
[DCF] Fair Price = 147.3 (EV 5.51b - Net Debt -2.16b = Equity 7.66b / Shares 52.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 49.88 | EPS CAGR: 4.56% | SUE: 2.92 | # QB: 4
Revenue Correlation: 74.26 | Revenue CAGR: 5.88% | SUE: 0.63 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.49 | Chg30d=+0.56% | Revisions=+40% | Analysts=6
EPS next Quarter (2026-09-30): EPS=1.53 | Chg30d=+0.00% | Revisions=+67% | Analysts=6
EPS current Year (2026-12-31): EPS=6.26 | Chg30d=+0.21% | Revisions=+40% | GrowthEPS=+20.2% | GrowthRev=+5.2%
EPS next Year (2027-12-31): EPS=6.64 | Chg30d=+0.15% | Revisions=+25% | GrowthEPS=+6.0% | GrowthRev=+3.3%
[Analyst] Revisions Ratio: +79% (up=11, down=0)