A Business at a Glance
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WSFS FINANCIAL CORP
WSFS
$4.5B
Mkt Cap
$79.84
+1.11%
WSFS FINANCIAL CORP (WSFS) has a current P/E ratio of 15.7, compared to its historical median P/E of 12.2. The stock is currently considered Fair based on its historical valuation range.
WSFS FINANCIAL CORP (WSFS) has a 5-year average return on invested capital (ROIC) of 11.4%. This indicates solid capital allocation.
WSFS FINANCIAL CORP (WSFS) has a market capitalization of $6.1B. It is classified as a mid-cap stock.
Yes, WSFS FINANCIAL CORP (WSFS) pays a dividend with a trailing twelve-month yield of 0.61%. The company also returns capital through share buybacks, with a buyback yield of 5.27%.
Based on historical P/E analysis, WSFS FINANCIAL CORP (WSFS) appears fair. The current P/E of 15.7 is 29% above its historical median of 12.2. The estimated fair value CAGR (P/E method) is 7.7%.
WSFS FINANCIAL CORP (WSFS) operates in the National Commercial Banks industry, within the Financials sector.
WSFS FINANCIAL CORP (WSFS) reported annual revenue of $1.4 billion in its most recent fiscal year, based on SEC EDGAR filings.
ITEM 1. BUSINESS OUR BUSINESS WSFS Financial Corporation (the Company or WSFS) is a savings and loan holding company headquartered in Wilmington, Delaware. Substantially all of our assets are held by the Company's subsidiary, Wilmington Savings Fund Society, FSB (WSFS Bank or the Bank), one of the ten oldest bank and trust companies in the United States (U.S.) continuously operating under the same name. As a federal savings bank that was formerly chartered as a state mutual savings bank, WSFS Bank enjoys a broader scope of permissible activities than most other financial institutions. With $21.3 billion in assets and $97.4 billion in assets under management (AUM) and assets under administration (AUA) at December 31, 2025, WSFS Bank is the oldest and largest locally-managed bank and trust company headquartered in the Greater Philadelphia and Delaware region. A fixture in the community, WSFS Bank has been in operation for more than 193 years.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.1B | 1.4B | 1.4B | 1.3B | 964M | 642M |
| Net Income | 308M | 287M | 264M | 269M | 222M | 271M |
| EPS | $4.03 | $5.09 | $4.41 | $4.40 | $3.49 | $5.69 |
| Free Cash Flow | 293M | 214M | 206M | 231M | 472M | 119M |
| ROIC | 0.0% | 10.4% | 10.4% | 11.5% | 10.7% | 14.0% |
| Gross Margin | - | 75.2% | 70.1% | 73.2% | 90.8% | 78.2% |
| Debt/Equity | 0.07 | 0.07 | 0.00 | 0.00 | 0.00 | 0.08 |
| Dividends/Share | $0.49 | $0.66 | $0.60 | $0.60 | $0.56 | $0.51 |
| Operating Income | 0 | 381M | 347M | 365M | 301M | 358M |
| Operating Margin | 0.0% | 28.0% | 24.7% | 28.8% | 31.2% | 55.7% |
| ROE | 11.3% | 10.8% | 10.4% | 11.5% | 10.7% | 14.6% |
| Shares Outstanding | 77M | 56M | 60M | 61M | 64M | 48M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 239M | 273M | 322M | 379M | 456M | 709M | 715M | 642M | 964M | 1.3B | 1.4B | 1.4B | 1.1B |
| Gross Margin | 91.9% | 91.4% | 88.9% | 88.3% | 86.9% | 85.7% | 71.8% | 78.2% | 90.8% | 73.2% | 70.1% | 75.2% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 76M | 84M | 96M | 114M | 123M | 183M | 194M | 214M | 284M | 289M | 333M | 357M | 366M |
| EBIT | 12M | 16M | 19M | 23M | 171M | 194M | 145M | 358M | 301M | 365M | 347M | 381M | 0 |
| Op. Margin | 5.1% | 5.9% | 5.9% | 6.1% | 37.5% | 27.4% | 20.3% | 55.7% | 31.2% | 28.8% | 24.7% | 28.0% | 0.0% |
| Net Income | 54M | 54M | 64M | 50M | 135M | 149M | 115M | 271M | 222M | 269M | 264M | 287M | 308M |
| Net Margin | 22.5% | 19.6% | 19.9% | 13.2% | 29.6% | 21.0% | 16.0% | 42.3% | 23.1% | 21.3% | 18.8% | 21.1% | 28.4% |
| Non-Recurring | 1.0M | 1.5M | 0 | 0 | 0 | 16M | 510K | 1.3M | 22M | 0 | 0 | 386K | 386K |
| Returns on Capital | |||||||||||||
| ROIC | 12.0% | 10.0% | 9.4% | 6.7% | 17.4% | 11.1% | 6.1% | 14.0% | 10.7% | 11.5% | 10.4% | 10.4% | 0.0% |
| ROE | 12.3% | 10.0% | 10.1% | 7.1% | 17.4% | 11.1% | 6.3% | 14.6% | 10.7% | 11.5% | 10.4% | 10.8% | 11.3% |
| ROA | 1.1% | 1.0% | 1.0% | 0.7% | 1.9% | 1.5% | 0.9% | 1.8% | 1.2% | 1.3% | 1.3% | 1.4% | 1.4% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 68M | 74M | 80M | 130M | 136M | 90M | 15M | 126M | 481M | 237M | 220M | 220M | 298M |
| Free Cash Flow | 63M | 66M | 70M | 122M | 130M | 76M | 8.0M | 119M | 472M | 231M | 206M | 214M | 293M |
| Owner Earnings | 57M | 64M | 70M | 118M | 125M | 70M | -2.5M | 105M | 450M | 210M | 194M | 195M | 169M |
| CapEx | 4.7M | 8.4M | 9.9M | 7.7M | 5.5M | 14M | 7.2M | 6.6M | 8.8M | 6.4M | 14M | 6.4M | 4.8M |
| Maint. CapEx | 6.0M | 6.3M | 7.5M | 8.6M | 8.3M | 16M | 15M | 15M | 24M | 18M | 14M | 12M | 115M |
| Growth CapEx | 0 | 2.0M | 2.4M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 383K | 0 | 0 |
| D&A | 6.0M | 6.3M | 7.5M | 8.6M | 8.3M | 16M | 15M | 15M | 24M | 18M | 14M | 12M | 115M |
| CapEx/OCF | 7.1% | 11.3% | 12.3% | 5.9% | 4.1% | 15.8% | 47.3% | 5.2% | 1.8% | 2.7% | 6.5% | 2.9% | 1.6% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 4.6M | 6.0M | 7.6M | 9.4M | 13M | 22M | 24M | 24M | 36M | 37M | 36M | 37M | 37M |
| Dividend Yield | 0.1% | 0.4% | 0.4% | 0.3% | 0.5% | 1.2% | 1.6% | 1.1% | 1.3% | 1.5% | 1.3% | 1.2% | 0.6% |
| Share Buybacks | 2.7M | 32M | 14M | 12M | 31M | 97M | 156M | 13M | 200M | 55M | 96M | 290M | 322M |
| Buyback Yield | 0.4% | 3.8% | 1.1% | 0.8% | 2.8% | 4.8% | 7.3% | 0.6% | 7.2% | 2.0% | 3.1% | 9.1% | 5.3% |
| Stock-Based Comp | 4.5M | 4.1M | 3.0M | 3.4M | 2.3M | 3.6M | 2.7M | 5.7M | 6.3M | 9.6M | 12M | 13M | 13M |
| Debt Repayment | 0 | 0 | 10M | 0 | 0 | 0 | 0 | 0 | 0 | 30M | 0 | 220M | 220M |
| Balance Sheet | |||||||||||||
| Net Debt | -1.2B | -1.2B | -1.5B | -1.5B | -1.7B | -2.4B | -3.9B | -1.4B | -837M | -1.1B | -1.2B | -1.5B | -2.3B |
| Cash & Equiv. | 508M | 561M | 822M | 724M | 621M | 572M | 1.7B | 1.5B | 837M | 1.1B | 1.2B | 1.7B | 2.5B |
| Long-Term Debt | 15K | 0 | 98M | 0 | 0 | 0 | 148M | 0 | 0 | 0 | 0 | 200M | 200M |
| Debt/Equity | 0.11 | 0.09 | 0.22 | 0.14 | 0.12 | 0.05 | 0.14 | 0.08 | 0.00 | 0.00 | 0.00 | 0.07 | 0.07 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 489M | 580M | 687M | 724M | 821M | 1.9B | 1.8B | 1.9B | 2.2B | 2.5B | 2.6B | 2.7B | 2.7B |
| Total Assets | 4.9B | 5.6B | 6.8B | 7.0B | 7.2B | 12.3B | 14.3B | 15.8B | 19.9B | 20.6B | 20.8B | 21.3B | 22.1B |
| Total Liabilities | 4.4B | 5.0B | 6.1B | 6.3B | 6.4B | 10.4B | 12.5B | 13.8B | 17.7B | 18.1B | 18.2B | 18.6B | 19.4B |
| Intangibles | 8.9M | 10M | 24M | 22M | 20M | 96M | 85M | 74M | 129M | 119M | 102M | 85M | 81M |
| Retained Earnings | 523M | 571M | 627M | 670M | 791M | 917M | 977M | 1.2B | 1.4B | 1.6B | 1.9B | 2.1B | 2.2B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.32 | 0.93 | 1.03 | 0.78 | 2.10 | 3.00 | 2.27 | 5.69 | 3.49 | 4.40 | 4.41 | 5.09 | 4.03 |
| Owner EPS | 0.34 | 1.10 | 1.12 | 1.84 | 1.94 | 1.42 | -0.05 | 2.19 | 7.07 | 3.43 | 3.25 | 3.46 | 2.21 |
| Book Value | 2.93 | 10.03 | 11.05 | 11.24 | 12.76 | 37.30 | 35.44 | 40.65 | 34.61 | 40.50 | 43.31 | 48.51 | 35.61 |
| Cash Flow/Share | 0.41 | 1.28 | 1.29 | 2.02 | 2.11 | 1.81 | 0.30 | 2.63 | 7.55 | 3.87 | 3.68 | 3.90 | 5.54 |
| Dividends/Share | 0.03 | 0.11 | 0.13 | 0.15 | 0.21 | 0.47 | 0.48 | 0.51 | 0.56 | 0.60 | 0.60 | 0.66 | 0.49 |
| Shares Out. | 167.1M | 57.9M | 62.2M | 64.4M | 64.3M | 49.6M | 50.6M | 47.7M | 63.7M | 61.2M | 59.8M | 56.5M | 76.5M |
| Valuation | |||||||||||||
| P/E Ratio | 11.8 | 15.7 | 20.3 | 28.2 | 8.2 | 13.5 | 18.7 | 8.6 | 12.5 | 10.4 | 11.9 | 11.2 | 19.8 |
| P/FCF | 60.4 | 25.5 | 37.0 | 23.1 | 16.9 | 26.6 | 268.5 | 19.5 | 5.9 | 12.1 | 15.3 | 15.0 | 20.9 |
| EV/EBIT | 7.4 | 17.8 | 27.0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 1.3 | 1.4 | 1.9 | 2.0 | 1.3 | 1.1 | 1.2 | 1.2 | 1.3 | 1.1 | 1.2 | 1.2 | 2.2 |
| Price/Sales | 2.7 | 2.8 | 3.3 | 3.9 | 3.5 | 3.0 | 2.2 | 3.6 | 3.1 | 2.3 | 2.7 | 2.8 | 5.6 |
| FCF Yield | 9.9% | 7.8% | 5.4% | 8.7% | 11.8% | 3.8% | 0.4% | 5.1% | 17.0% | 8.3% | 6.5% | 6.7% | 4.8% |
| Market Cap | 635M | 840M | 1.3B | 1.4B | 1.1B | 2.0B | 2.1B | 2.3B | 2.8B | 2.8B | 3.1B | 3.2B | 6.1B |
| Avg. Price | 21.33 | 24.63 | 31.39 | 41.84 | 44.30 | 38.70 | 29.59 | 46.20 | 44.54 | 38.80 | 47.57 | 53.78 | 79.84 |
| Year-End Price | 22.82 | 29.03 | 41.84 | 43.92 | 34.26 | 40.51 | 42.39 | 48.70 | 43.52 | 45.64 | 52.62 | 56.77 | 79.84 |
WSFS FINANCIAL CORP passes 6 of 9 quality checks, suggesting mixed fundamentals.
WSFS FINANCIAL CORP trades at 15.7x trailing earnings, compared to its 15-year median P/E of 12.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 19.7x vs a median of 16.9x. The company's 5-year average ROIC is 11.4% with a gross margin of 77.5%. Total shareholder yield (dividends + buybacks) is 5.9%. At current prices, the estimated annualized return to fair value is +21.9%.
WSFS FINANCIAL CORP (WSFS) has a net profit margin of 21.1%. This is a strong margin indicating high profitability.
WSFS FINANCIAL CORP (WSFS) generated $214 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
WSFS FINANCIAL CORP (WSFS) has a debt-to-equity ratio of 0.07. This indicates a conservatively financed balance sheet.
WSFS FINANCIAL CORP (WSFS) reported earnings per share (EPS) of $5.09 in its most recent fiscal year.
WSFS FINANCIAL CORP (WSFS) has a return on equity (ROE) of 10.8%. This indicates moderate shareholder returns.
WSFS FINANCIAL CORP (WSFS) has a 5-year average gross margin of 77.5%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for WSFS FINANCIAL CORP (WSFS), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
WSFS FINANCIAL CORP (WSFS) has a book value per share of $48.51, based on its most recent annual SEC filing.