Wsfs Financial Corp. (WSFS)
NASDAQ:WSFS
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Wsfs Financial
(NASDAQ:WSFS)
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Rating:80Outperform
Price Target:
$81.00
▲(15.04% Upside)
Action:ReiteratedDate:04/24/26
WSFS scores well primarily due to strong financial quality (cash flow strength and conservative leverage) and a positive earnings-call setup featuring improving credit trends and aggressive capital returns. Technicals add support via a clear uptrend, while valuation is reasonable but tempered by a low dividend yield and the risk signaled by the sharp TTM revenue decline and some reliance on one-time items.
Positive Factors
Conservative balance sheet
A very low debt-to-equity ratio (~0.11 TTM) and steady equity growth provide durable financial flexibility. This conservative leverage lowers solvency risk, supports regulatory capital metrics, and allows WSFS to sustain lending, absorb credit shocks, and fund capital returns over the medium term.
Negative Factors
Sharp TTM revenue decline
A pronounced TTM revenue drop (~36%) signals volatility in core top-line drivers. Persistent revenue weakness would undermine margin sustainability and ROE, reduce slack for expense absorption, and make earnings more sensitive to one-time items or rate-driven NII movements over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
A very low debt-to-equity ratio (~0.11 TTM) and steady equity growth provide durable financial flexibility. This conservative leverage lowers solvency risk, supports regulatory capital metrics, and allows WSFS to sustain lending, absorb credit shocks, and fund capital returns over the medium term.
Read all positive factors
Wsfs Financial (WSFS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.77B
Dividend Yield1.16%
Average Volume (3M)351.93K
Price to Earnings (P/E)10.0
Beta (1Y)0.87
Revenue Growth-2.05%
EPS GrowthN/A
CountryUS
Employees2,336
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.09
Shares Outstanding52,212,082
10 Day Avg. Volume375,271
30 Day Avg. Volume351,929
Financial Highlights & Ratios
PEG Ratio0.70
Price to Book (P/B)1.10
Price to Sales (P/S)2.21
P/FCF Ratio14.06
Enterprise Value/Market Cap0.43
Enterprise Value/Revenue1.18
Enterprise Value/Gross Profit1.59
Enterprise Value/Ebitda3.95
Forecast
1Y Price Target
$77.10Price Target Upside9.50% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)6.05
Revenue Forecast (FY)$1.12B
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 ...
How the Company Makes Money
WSFS primarily makes money through a combination of (1) net interest income and (2) noninterest (fee) income. Net interest income is earned by taking in funds—mainly through customer deposits and other borrowings—then deploying those funds into in...
Wsfs Financial Earnings Call Summary
Earnings Call Date:Apr 23, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 27, 2026
Earnings Call Sentiment Positive
The call described a strong start to 2026 with multiple positive operating and capital metrics: substantial YoY EPS and tangible book growth, improving asset quality, robust fee revenue growth (notably Wealth & Trust and Institutional Services), deposit and loan momentum in key segments, and an active capital return program with increased dividend and buybacks. Several challenges and risks were also discussed: results benefited from a one-time $15.7M loan recovery and a small real estate sales charge; quarter-to-quarter NPAs rose due to two loans; deposit pricing competition and commercial real estate payoffs create potential headwinds; and uncertainty around interest rate paths and capital metric volatility remains. Overall, the positives (wide-ranging revenue/earnings growth, improving credit trends, strong fee businesses, and aggressive capital returns) materially outweigh the listed challenges, which management characterized as monitored but manageable.Positive Updates
Strong Core Profitability Metrics
Core EPS of $1.68, core ROA of 1.65%, and core return on tangible common equity of 20.7%, all up versus the prior quarter and prior year.
Negative Updates
Reliance on a One-Time Loan Recovery
Key reported metrics benefited materially from a $15.7M loan recovery; excluding it, some metrics (e.g., core EPS) are lower, highlighting sensitivity to one-time items.
Read all updates
Q1-2026 Updates
Positive
Negative
Strong Core Profitability Metrics
Core EPS of $1.68, core ROA of 1.65%, and core return on tangible common equity of 20.7%, all up versus the prior quarter and prior year.
Read all positive updates
Company Guidance
Guidance highlights: management updated its 2026 net charge-off outlook to 25–35 basis points (down from 35–45 bps), will provide a refreshed full‑year outlook in July, and reiterated its capital return framework targeting a ~12% CET1 medium‑term glide path and roughly 100% of net income returned over time; this quarter WSFS returned $94 million of capital (including $85 million of buybacks, ~2.5% of shares), has repurchased ~12% of shares since early 2025, and the Board approved an 18% dividend increase to $0.20/share plus an additional 15% repurchase authorization (bringing total authorization to 19% of shares). Key operating and balance‑sheet metrics cited alongside the guidance include core EPS $1.68 (ex‑$15.7M recovery $1.45), core ROA 1.65% (ex‑recovery 1.43%), core ROTCE 20.7%, NIM 3.83%, total client deposit cost 1.33% (down 12 bps), interest‑bearing deposit beta 46%, client deposits +5% linked quarter (+>9% YoY) with noninterest deposits +14% linked quarter now 34% of deposits (vs. 29% a year ago), gross loans slight q/q increase with annualized C&I growth 7% and Small Business 11% q/q, residential originations +70% YoY (consumer loans +14% YoY; annualized +3% q/q), core fee revenue ~1/3 of total revenue (+11% YoY) with Wealth & Trust +25% YoY and Corporate Trust/Global Capital Markets each >40% YoY, Cash Connect profit margin 15%, asset quality improving (delinquencies down 32% YoY, problem assets down 26% YoY, NPAs down 25% YoY), net recoveries $3.5M this quarter (excluding recovery net charge‑offs $12.2M, down 19% q/q), and preliminary regulatory rule modeling that could yield ~4–5% risk‑weighted capital benefit.Wsfs Financial Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
81
Very Positive
Cash Flow
86
Very Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 1.36B | 1.40B | 1.27B | 963.25M | 641.85M |
| Gross Profit | 1.02B | 982.83M | 926.05M | 874.23M | 737.05M |
| EBITDA | 408.02M | 386.96M | 413.87M | 361.15M | 395.54M |
| Net Income | 287.35M | 263.67M | 269.16M | 222.38M | 271.44M |
Balance Sheet | |||||
| Total Assets | 21.31B | 20.81B | 20.59B | 19.91B | 15.78B |
| Cash, Cash Equivalents and Short-Term Investments | 1.36B | 1.17B | 1.09B | 832.61M | 1.53B |
| Total Debt | 302.68M | 383.61M | 895.08M | 726.89M | 239.48M |
| Total Liabilities | 18.59B | 18.23B | 18.12B | 17.71B | 13.84B |
| Stockholders Equity | 2.73B | 2.59B | 2.48B | 2.21B | 1.94B |
Cash Flow | |||||
| Free Cash Flow | 213.61M | 205.64M | 230.60M | 472.05M | 119.07M |
| Operating Cash Flow | 220.00M | 219.90M | 237.00M | 480.85M | 125.65M |
| Investing Cash Flow | 124.88M | -66.73M | -326.26M | -137.37M | -1.49B |
| Financing Cash Flow | 199.46M | -91.25M | 344.90M | -1.04B | 1.24B |
Wsfs Financial Technical Analysis
Positive
70.41
Price Trends
65.99
Positive
61.86
Positive
58.41
Positive
Market Momentum
1.51
Negative
69.28
Neutral
72.59
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 70.41 is above the 20-day moving average (MA) of 66.89, above the 50-day MA of 65.99, and above the 200-day MA of 58.41, indicating a bullish trend. The MACD of 1.51 indicates Negative momentum. The RSI at 69.28 is Neutral, neither overbought nor oversold. The STOCH value of 72.59 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WSFS.
Wsfs Financial Risk Analysis
Wsfs Financial disclosed 34 risk factors in its most recent earnings report. Wsfs Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Wsfs Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $3.77B | 10.00 | 11.34% | 1.16% | -2.05% | ― | |
78 Outperform | $3.38B | 11.13 | 10.39% | 3.96% | 0.68% | 24.52% | |
77 Outperform | $3.34B | 13.58 | 10.99% | 3.14% | 6.86% | 13.83% | |
73 Outperform | $3.32B | 9.35 | 8.00% | 4.35% | 49.44% | 102.42% | |
70 Outperform | $3.46B | 13.72 | 9.13% | 5.24% | -10.28% | 45.44% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $3.08B | 10.35 | -10.51% | 4.41% | -57.23% | -320.70% |
* Financial Sector Average
WSFS
Wsfs Financial
72.13
19.71
37.59%
CBU
Community Bank System
63.62
9.03
16.55%
FIBK
First Interstate Bancsystem
35.45
10.30
40.95%
SFNC
Simmons 1st Nat'l
21.23
2.81
15.25%
WSBC
WesBanco
34.50
5.49
18.91%
FHB
First Hawaiian
27.47
5.11
22.86%
Wsfs Financial Corporate Events
Stock BuybackDividendsFinancial Disclosures
Wsfs Financial Posts Strong Q1 2026 Results, Ups Payouts
Positive
Apr 23, 2026
WSFS Financial Corporation reported strong first-quarter 2026 results on April 23, 2026, posting diluted earnings per share of $1.64, return on average assets of 1.61% and return on average equity of 12.7%. Total net revenue rose to $275.3 million...
Regulatory Filings and Compliance
WSFS CEO Adopts New Rule 10b5-1 Trading Plan
Neutral
Mar 12, 2026
On March 11, 2026, WSFS Financial Corporation disclosed that its Chairman, President and CEO Rodger Levenson adopted a pre-arranged Rule 10b5-1 trading plan for personal financial and estate planning purposes. The plan permits the potential exerci...
Business Operations and StrategyFinancial Disclosures
WSFS Financial Posts Strong Fourth-Quarter and 2025 Results
Positive
Jan 26, 2026
On January 26, 2026, WSFS Financial Corporation reported its financial results for the fourth quarter and full year of 2025, highlighting earnings per share of $1.34 and a return on average assets of 1.33% for the quarter, driven by growth in loan...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.