(WSFS) WSFS Financial - Overview
Stock: Deposits, Loans, Wealth, Cash Services
| Risk 5d forecast | |
|---|---|
| Volatility | 32.1% |
| Relative Tail Risk | -11.0% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.69 |
| Alpha | 8.40 |
| Character TTM | |
|---|---|
| Beta | 0.888 |
| Beta Downside | 0.961 |
| Drawdowns 3y | |
|---|---|
| Max DD | 39.80% |
| CAGR/Max DD | 0.32 |
EPS (Earnings per Share)
Revenue
Description: WSFS WSFS Financial January 12, 2026
WSFS Financial Corporation (NASDAQ: WSFS) is a Delaware-based savings-and-loan holding company that serves individuals, businesses, and institutions through three operating segments: WSFS Bank, Cash Connect, and Wealth Management. The firm offers a full suite of deposit products (savings, demand, money-market, and CD accounts, including jumbo CDs), a broad loan portfolio (residential mortgages, commercial real-estate and construction loans, working-capital and equipment financing, home-equity lines, auto and unsecured consumer loans), and ancillary services such as insurance, wealth-management, brokerage, and cash-logistics solutions.
As of the most recent quarter, WSFS reported total assets of roughly $27 billion, a net interest margin of 3.4%, and a loan-to-deposit ratio near 78%, indicating a relatively conservative funding structure compared with many regional peers. The bank’s earnings have been modestly sensitive to the Federal Reserve’s rate-hiking cycle: higher rates have expanded net interest income but also pressure loan growth in rate-sensitive commercial sectors. Additionally, the regional-bank sector faces ongoing credit-quality scrutiny, with WSFS’s non-performing loan ratio holding at 0.6%, well below the industry average of about 1.2%.
For a deeper, data-driven look at WSFS’s valuation metrics and risk profile, you may find ValueRay’s analytical dashboard useful.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 275.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.56 > 1.0 |
| NWC/Revenue: -1196 % < 20% (prev -1054 %; Δ -142.5% < -1%) |
| CFO/TA 0.01 > 3% & CFO 226.5m > Net Income 275.1m |
| Net Debt (-1.02b) to EBITDA (392.3m): -2.61 < 3 |
| Current Ratio: 0.08 > 1.5 & < 3 |
| Outstanding Shares: last quarter (54.4m) vs 12m ago -8.46% < -2% |
| Gross Margin: 73.93% > 18% (prev 0.69%; Δ 7324 % > 0.5%) |
| Asset Turnover: 6.45% > 50% (prev 6.70%; Δ -0.25% > 0%) |
| Interest Coverage Ratio: 1.21 > 6 (EBITDA TTM 392.3m / Interest Expense TTM 304.3m) |
Altman Z'' -4.34
| A: -0.76 (Total Current Assets 1.36b - Total Current Liabilities 17.64b) / Total Assets 21.31b |
| B: 0.10 (Retained Earnings 2.06b / Total Assets 21.31b) |
| C: 0.02 (EBIT TTM 367.7m / Avg Total Assets 21.11b) |
| D: 0.23 (Book Value of Equity 4.32b / Total Liabilities 18.59b) |
| Altman-Z'' Score: -4.34 = D |
Beneish M -3.10
| DSRI: 0.98 (Receivables 696.8m/732.8m, Revenue 1.36b/1.40b) |
| GMI: 0.94 (GM 73.93% / 69.34%) |
| AQI: 1.02 (AQ_t 0.93 / AQ_t-1 0.91) |
| SGI: 0.97 (Revenue 1.36b / 1.40b) |
| TATA: 0.00 (NI 275.1m - CFO 226.5m) / TA 21.31b) |
| Beneish M-Score: -3.10 (Cap -4..+1) = AA |
What is the price of WSFS shares?
Over the past week, the price has changed by +1.00%, over one month by +13.24%, over three months by +22.51% and over the past year by +27.91%.
Is WSFS a buy, sell or hold?
- StrongBuy: 2
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the WSFS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 72.3 | 6.8% |
| Analysts Target Price | 72.3 | 6.8% |
WSFS Fundamental Data Overview February 21, 2026
P/E Forward = 9.9404
P/S = 3.5856
P/B = 1.3028
P/EG = 1.96
Revenue TTM = 1.36b USD
EBIT TTM = 367.7m USD
EBITDA TTM = 392.3m USD
Long Term Debt = 255.1m USD (from longTermDebt, last quarter)
Short Term Debt = 9.37m USD (from shortTermDebt, two quarters ago)
Debt = 302.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.02b USD (from netDebt column, last quarter)
Enterprise Value = 2.59b USD (3.65b + Debt 302.7m - CCE 1.36b)
Interest Coverage Ratio = 1.21 (Ebit TTM 367.7m / Interest Expense TTM 304.3m)
EV/FCF = 11.92x (Enterprise Value 2.59b / FCF TTM 217.2m)
FCF Yield = 8.39% (FCF TTM 217.2m / Enterprise Value 2.59b)
FCF Margin = 15.95% (FCF TTM 217.2m / Revenue TTM 1.36b)
Net Margin = 20.21% (Net Income TTM 275.1m / Revenue TTM 1.36b)
Gross Margin = 73.93% ((Revenue TTM 1.36b - Cost of Revenue TTM 354.9m) / Revenue TTM)
Gross Margin QoQ = 75.85% (prev 74.64%)
Tobins Q-Ratio = 0.12 (Enterprise Value 2.59b / Total Assets 21.31b)
Interest Expense / Debt = 23.08% (Interest Expense 69.8m / Debt 302.7m)
Taxrate = 25.24% (24.5m / 97.2m)
NOPAT = 274.9m (EBIT 367.7m * (1 - 25.24%))
Current Ratio = 0.08 (Total Current Assets 1.36b / Total Current Liabilities 17.64b)
Debt / Equity = 0.11 (Debt 302.7m / totalStockholderEquity, last quarter 2.73b)
Debt / EBITDA = -2.61 (Net Debt -1.02b / EBITDA 392.3m)
Debt / FCF = -4.71 (Net Debt -1.02b / FCF TTM 217.2m)
Total Stockholder Equity = 2.67b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.30% (Net Income 275.1m / Total Assets 21.31b)
RoE = 10.31% (Net Income TTM 275.1m / Total Stockholder Equity 2.67b)
RoCE = 12.58% (EBIT 367.7m / Capital Employed (Equity 2.67b + L.T.Debt 255.1m))
RoIC = 9.20% (NOPAT 274.9m / Invested Capital 2.99b)
WACC = 9.81% (E(3.65b)/V(3.95b) * Re(9.19%) + D(302.7m)/V(3.95b) * Rd(23.08%) * (1-Tc(0.25)))
Discount Rate = 9.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.74%
[DCF Debug] Terminal Value 68.43% ; FCFF base≈168.7m ; Y1≈142.2m ; Y5≈106.9m
Fair Price DCF = 46.47 (EV 1.46b - Net Debt -1.02b = Equity 2.48b / Shares 53.4m; r=9.81% [WACC]; 5y FCF grow -19.02% → 2.90% )
EPS Correlation: 54.84 | EPS CAGR: 22.90% | SUE: 4.0 | # QB: 3
Revenue Correlation: 84.99 | Revenue CAGR: 15.82% | SUE: 1.83 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.30 | Chg30d=+0.123 | Revisions Net=+5 | Analysts=4
EPS current Year (2026-12-31): EPS=5.73 | Chg30d=+0.595 | Revisions Net=+5 | Growth EPS=+10.0% | Growth Revenue=+3.4%
EPS next Year (2027-12-31): EPS=6.45 | Chg30d=+0.638 | Revisions Net=+5 | Growth EPS=+12.5% | Growth Revenue=+4.3%