Wsfs Financial (WSFS) AI Stock Analysis

• Market Cap: $3.10B
• Dividend Yield: 1.14%
• Average Volume (3M): 307.93K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 1.11
• Revenue Growth: 0.30%
• EPS Growth: 1.46%
• Country: US
• Employees: 2,336
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.27
• Shares Outstanding: 55,969,140
• 10 Day Avg. Volume: 316,575
• 30 Day Avg. Volume: 307,930
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 0.72
• Enterprise Value/Revenue: 1.59
• Enterprise Value/Gross Profit: 2.26
• Enterprise Value/Ebitda: 5.78
• 1Y Price Target: $62.50
• Price Target Upside: 11.09% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 77 Outperform
• Price Target: $61.00 ▲(8.43% Upside)

WSFS Financial's overall stock score is driven by its strong financial performance and positive earnings call, reflecting robust profitability and growth in core business segments. The technical analysis presents mixed signals, and the valuation is fair. The company's ability to manage challenges such as interest rate impacts and revenue declines in specific areas will be crucial for future performance.

Wsfs Financial Business Overview & Revenue Model

Company Description

WSFS Financial Corporation operates as the savings and loan holding company for the Wilmington Savings Fund Society, FSB that provides various banking services in the United States. It operates through three segments: WSFS Bank, Cash Connect, and Wealth Management. It offers various deposit products, including savings accounts, demand deposits, interest-bearing demand deposits, money market deposit accounts, and certificates of deposit, as well as accepts jumbo certificates of deposit from individuals, businesses, and municipalities. The company also provides a range of loans, which comprise fixed and adjustable rate residential loans; commercial real estate mortgage loans; commercial construction loans to developers; commercial loans for working capital, financing equipment and real estate acquisitions, business expansion, and other business purposes; and consumer credit products, such as home improvement, automobile, and other secured and unsecured personal installment loans, as well as home equity lines and unsecured lines of credit, and government-insured reverse mortgages. In addition, it offers various third-party investment and insurance products, such as single-premium annuities, whole life policies, and securities; investment advisory services to high net worth individuals and institutions; mortgage and title services; and leases small equipment and fixed assets, as well as cash management, trust, and wealth management services. Further, the company provides ATM vault cash, smart safe, and other cash logistics services; and online reporting and ATM cash management, predictive cash ordering and reconcilement services, armored carrier management, loss protection, ATM processing equipment sales, and deposit safe cash logistics services. As of December 31, 2020, it operated 112 offices, including 52 in Pennsylvania, 42 in Delaware, 16 in New Jersey, 1 in Virginia, and 1 in Nevada. The company was founded in 1832 and is headquartered in Wilmington, Delaware.

How the Company Makes Money

WSFS Financial generates revenue through several key streams, primarily from net interest income and non-interest income. Net interest income is derived from the interest earned on loans and investment securities, minus the interest paid on deposits and other borrowings. The bank offers various loan products, including commercial loans, consumer loans, and mortgages, which contribute significantly to its interest income. Additionally, WSFS earns non-interest income through fees associated with account services, transaction fees, and wealth management services. The company may also engage in partnerships with other financial institutions and entities to expand its service offerings and customer base, further enhancing its revenue potential.

Wsfs Financial Financial Statement Overview

Summary

WSFS demonstrates strong financial health with robust profitability and prudent balance sheet management. While a slight decline in revenue and cash flow fluctuations are areas to monitor, the company maintains solid margins and low leverage.

Income Statement

The income statement reflects a healthy financial performance with a strong gross profit margin of 70.6% and a net profit margin of 18.9% for TTM, indicating robust profitability. Revenue growth has been consistent over the years, with a notable increase from 2022 to 2023. EBIT and EBITDA margins are stable, highlighting efficient operations. However, a slight decline in total revenue for TTM suggests a potential area to monitor.

Balance Sheet

The balance sheet reveals a solid financial structure with a low debt-to-equity ratio of 0.12, indicating prudent leverage. The equity ratio stands at 13.0%, reflecting a substantial equity cushion. Return on equity is strong at 9.9%, showcasing effective utilization of equity. The company's asset base is growing, though the equity ratio suggests room for improvement in asset financing strategies.

Cash Flow

The cash flow statement shows a decrease in operating cash flow to net income ratio for TTM, indicating effective cash generation relative to earnings. Free cash flow has decreased compared to the previous year, and the free cash flow to net income ratio is healthy at 39.2%. However, fluctuations in investing and financing cash flows suggest potential volatility in cash management.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.40B	1.27B	963.25M	641.19M	708.53M
Gross Profit	982.83M	926.05M	874.23M	735.55M	506.90M
EBITDA	386.96M	413.87M	361.15M	395.54M	183.15M
Net Income	263.67M	269.16M	222.38M	271.44M	114.77M
Balance Sheet
Total Assets	20.81B	20.59B	19.91B	15.78B	14.33B
Cash, Cash Equivalents and Short-Term Investments	1.17B	1.09B	832.61M	1.53B	1.65B
Total Debt	383.61M	895.08M	726.89M	239.48M	340.64M
Total Liabilities	18.23B	18.12B	17.71B	13.84B	12.54B
Stockholders Equity	2.59B	2.48B	2.21B	1.94B	1.79B
Cash Flow
Free Cash Flow	205.64M	230.60M	472.05M	119.07M	7.98M
Operating Cash Flow	219.90M	237.00M	480.85M	125.65M	15.14M
Investing Cash Flow	-66.73M	-326.26M	-137.37M	-1.49B	-874.94M
Financing Cash Flow	-91.25M	344.90M	-1.04B	1.24B	1.94B

Wsfs Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 56.26
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WSFS, the sentiment is Positive. The current price of 56.26 is above the 20-day moving average (MA) of 55.68, above the 50-day MA of 55.13, and above the 200-day MA of 53.84, indicating a bullish trend. The MACD of -0.41 indicates Positive momentum. The RSI at 55.16 is Neutral, neither overbought nor oversold. The STOCH value of 63.06 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WSFS.

Wsfs Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RNST	78 Outperform	$3.53B	14.64	5.21%	2.30%	21.87%	-3.27%
WSFS	77 Outperform	$3.10B	12.12	10.32%	1.14%	0.30%	1.46%
FHB	76 Outperform	$3.06B	12.69	9.40%	4.36%	-2.56%	12.05%
FULT	72 Outperform	$3.37B	10.83	10.08%	3.79%	17.61%	1.89%
CBU	72 Outperform	$3.11B	16.06	10.91%	3.13%	11.95%	14.53%
CATY	71 Outperform	$3.29B	11.47	10.38%	2.81%	-0.17%	-0.29%
Sector *	58 Neutral	HK$111.68B	6.58	-4.20%	3.95%	9.04%	-46.99%

Wsfs Financial Corporate Events

WSFS Financial Reports Strong Q2 2025 Results

On July 24, 2025, WSFS Financial Corporation reported its financial results for the second quarter of 2025, highlighting an earnings per share (EPS) of $1.27 and a return on average assets (ROA) of 1.39%. The results were driven by a net interest margin (NIM) of 3.89% and a 9% growth in fee revenue, with $87.3 million returned to shareholders. The company’s strong performance in fee-based businesses and client deposit growth indicates a positive impact on its operations and market positioning.

The most recent analyst rating on (WSFS) stock is a Hold with a $48.00 price target. To see the full list of analyst forecasts on Wsfs Financial stock, see the WSFS Stock Forecast page.

WSFS Financial Holds Annual Stockholders Meeting

On May 15, 2025, WSFS Financial Corporation held its Annual Meeting of Stockholders, where significant decisions were made regarding the company’s governance and operations. Stockholders elected four directors for terms ending in 2028, approved an advisory vote on executive compensation, and ratified the appointment of KPMG LLP as the independent public accounting firm for the fiscal year ending December 31, 2025. These decisions are pivotal for the company’s strategic direction and financial oversight, impacting its governance structure and stakeholder confidence.

The most recent analyst rating on (WSFS) stock is a Hold with a $48.00 price target. To see the full list of analyst forecasts on Wsfs Financial stock, see the WSFS Stock Forecast page.