(WSFS) WSFS Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 3.731m USD | Total Return: 37% in 12m
Avg Turnover: 28.3M
EPS Trend: 49.9%
Qual. Beats: 4
Rev. Trend: 74.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Confidence
WSFS Financial Corporation is a Wilmington-based regional bank holding company that has operated since 1832. The institution provides a diversified suite of financial services through three primary segments: WSFS Bank, Cash Connect, and Wealth and Trust. Its portfolio includes traditional consumer and commercial deposit products, mortgage lending, and specialized cash logistics services such as ATM vault management and smart safe technology.
Operating within the regional banking sector, WSFS relies on a spread-based business model where profitability is largely driven by the net interest margin between loan yields and deposit costs. Unlike many smaller peers, the company maintains significant non-interest income streams through its institutional trust and wealth management divisions, which can provide a hedge during periods of interest rate volatility. Regional banks often face unique regulatory oversight and localized economic risks compared to global money-center institutions.
Investors can further evaluate these operational metrics and valuation trends by exploring the data on ValueRay. Given its focus on the Mid-Atlantic region, the company’s performance is closely tied to commercial real estate and industrial activity within Delaware and the surrounding states.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Commercial and industrial loan growth within the Delaware Valley region
- Non-interest income expansion through Cash Connect and wealth management services
- Asset quality stability amidst regional commercial real estate market fluctuations
- Strategic acquisition integration and operational efficiency improvements drive bottom-line growth
| 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 0.71%; Δ 7.63k% > 0.5%) |
| Asset Turnover: 6.38% > 50% (prev 6.81%; Δ -0.42% > 0%) |
| Interest Coverage Ratio: 1.45 > 6 (EBITDA TTM 446.9m / 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: 0.11 (Book Value of Equity 2.20b / Total Liabilities 19.4b) |
| Altman-Z'' = -3.93 = D |
| DSRI: 0.11 (Receivables 79.0m/716.9m, Revenue 1.36b/1.40b) |
| GMI: 0.92 (GM 77.03% / 70.69%) |
| 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 May 24, 2026, the stock is trading at USD 71.69 with a total of 275,272 shares traded.
Over the past week, the price has changed by +2.58%,
over one month by +3.60%,
over three months by +9.99% and
over the past year by +37.01%.
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 | 80.9 | 12.9% |
P/E Forward = 11.0865
P/S = 3.5356
P/B = 1.3691
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 = 1.58b USD (3.73b + Debt 310.4m - CCE 2.47b)
Interest Coverage Ratio = 1.45 (Ebit TTM 408.1m / Interest Expense TTM 282.0m)
EV/FCF = 5.38x (Enterprise Value 1.58b / FCF TTM 292.8m)
FCF Yield = 18.58% (FCF TTM 292.8m / Enterprise Value 1.58b)
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 = 0.07 (Enterprise Value 1.58b / Total Assets 22.1b)
Interest Expense / Debt = 90.87% (Interest Expense 282.0m / Debt 310.4m)
Taxrate = 24.14% (27.6m / 114.5m)
NOPAT = 309.6m (EBIT 408.1m * (1 - 24.14%))
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 = 7.12% (NOPAT 309.6m / Invested Capital 4.35b)
WACC = 8.49% (E(3.73b)/V(4.04b) * Re(9.20%) + (debt cost/tax rate unavailable))
Discount Rate = 9.20% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.56 | Cagr: -5.88%
[DCF] Terminal Value 77.51% ; FCFF base≈217.0m ; Y1≈248.8m ; Y5≈366.1m
[DCF] Fair Price = 144.7 (EV 5.37b - Net Debt -2.16b = Equity 7.53b / Shares 52.0m; r=8.49% [WACC]; 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=1.48 | Chg30d=+5.35% | Revisions=+56% | Analysts=6
EPS next Quarter (2026-09-30): EPS=1.53 | Chg30d=+3.15% | Revisions=+60% | Analysts=6
EPS current Year (2026-12-31): EPS=6.24 | Chg30d=+6.06% | Revisions=+60% | GrowthEPS=+19.8% | GrowthRev=+5.1%
EPS next Year (2027-12-31): EPS=6.63 | Chg30d=+3.27% | Revisions=+56% | GrowthEPS=+6.2% | GrowthRev=+3.3%
[Analyst] Revisions Ratio: +60%