Wsfs Financial (WSFS) AI Stock Analysis

• Market Cap: $3.14B
• Dividend Yield: 1.15%
• Average Volume (3M): 351.93K
• Price to Earnings (P/E): 11.8
• Beta (1Y): 0.82
• Revenue Growth: -3.62%
• EPS Growth: 10.83%
• Country: US
• Employees: 2,336
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.40
• Shares Outstanding: 54,675,950
• 10 Day Avg. Volume: 375,271
• 30 Day Avg. Volume: 351,929
• PEG Ratio: 17.34
• Price to Book (P/B): 1.20
• Price to Sales (P/S): 2.22
• P/FCF Ratio: 15.15
• Enterprise Value/Market Cap: 0.58
• Enterprise Value/Revenue: 1.34
• Enterprise Value/Gross Profit: 1.81
• Enterprise Value/Ebitda: 4.52
• 1Y Price Target: $64.00
• Price Target Upside: 12.18% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $65.00 ▲(13.94% Upside)

WSFS Financial's overall score reflects strong financial performance and technical indicators, supported by positive earnings call insights and strategic corporate events. The company is well-positioned in its industry, but attention to revenue growth is necessary to sustain its financial health.

Positive Factors

Strong Profitability

Consistent profitability with high margins indicates efficient operations and a strong competitive position, supporting long-term financial health.

Improved Asset Quality

Improved asset quality reduces risk and enhances financial stability, ensuring better resilience against economic downturns.

Capital Strength

Strong capital returns and a high CET1 ratio indicate robust financial health, providing flexibility for growth and shareholder returns.

Negative Factors

Decline in Revenue Growth

A decline in revenue growth can impact future profitability and market position, necessitating strategic adjustments to sustain growth.

Loan Portfolio Challenges

Challenges in the loan portfolio may limit interest income growth and require strategic realignment to maintain financial performance.

Potential Margin Pressure

Sensitivity to rate cuts could compress margins, affecting profitability and necessitating careful interest rate risk management.

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 various key streams, primarily from net interest income and non-interest income. Net interest income is earned from the difference between interest earned on loans and interest paid on deposits. The company offers a diverse portfolio of loans, including commercial real estate loans, residential mortgages, and consumer loans, which contribute significantly to its interest income. Additionally, WSFS earns non-interest income from fees related to banking services, wealth management, and mortgage banking activities. Strategic partnerships with other financial institutions and technology providers enhance its service offerings and customer reach, further driving revenue growth. The company's focus on expanding its footprint through acquisitions and organic growth also plays a crucial role in boosting its earnings.

Wsfs Financial Financial Statement Overview

Summary

WSFS Financial shows strong profitability with healthy EBIT and EBITDA margins, robust cash flow management, and a stable balance sheet. However, the decline in revenue growth and slight decrease in equity ratio are concerns.

Income Statement

WSFS Financial shows strong profitability with a high gross profit margin and consistent net profit margins over the years. However, the recent TTM data indicates a decline in revenue growth, which could be a concern if the trend continues. The EBIT and EBITDA margins remain healthy, reflecting efficient operations.

Balance Sheet

The company's balance sheet is stable with a low debt-to-equity ratio, indicating conservative leverage. Return on equity remains solid, suggesting effective use of equity capital. However, there is a slight decline in equity ratio, which should be monitored.

Cash Flow

WSFS Financial demonstrates strong cash flow management with significant free cash flow growth in the TTM period. The free cash flow to net income ratio is robust, indicating efficient cash generation relative to earnings. Operating cash flow coverage is adequate, supporting liquidity.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.36B	1.40B	1.27B	963.25M	641.85M	708.53M
Gross Profit	1.01B	982.83M	926.05M	874.23M	737.05M	506.90M
EBITDA	404.41M	386.96M	413.87M	361.15M	395.54M	183.15M
Net Income	278.87M	263.67M	269.16M	222.38M	271.44M	114.77M
Balance Sheet
Total Assets	20.84B	20.81B	20.59B	19.91B	15.78B	14.33B
Cash, Cash Equivalents and Short-Term Investments	1.61B	1.17B	1.09B	832.61M	1.53B	1.65B
Total Debt	255.10M	383.61M	895.08M	726.89M	239.48M	340.64M
Total Liabilities	18.10B	18.23B	18.12B	17.71B	13.84B	12.54B
Stockholders Equity	2.75B	2.59B	2.48B	2.21B	1.94B	1.79B
Cash Flow
Free Cash Flow	217.19M	205.64M	230.60M	472.05M	119.07M	7.98M
Operating Cash Flow	226.49M	219.90M	237.00M	480.85M	125.65M	15.14M
Investing Cash Flow	617.65M	-66.73M	-326.26M	-137.37M	-1.49B	-874.94M
Financing Cash Flow	-261.96M	-91.25M	344.90M	-1.04B	1.24B	1.94B

Wsfs Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 57.05
• 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 57.05 is above the 20-day moving average (MA) of 56.74, above the 50-day MA of 54.72, and above the 200-day MA of 53.90, indicating a bullish trend. The MACD of 0.78 indicates Positive momentum. The RSI at 56.09 is Neutral, neither overbought nor oversold. The STOCH value of 49.44 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
WSBC	78 Outperform	$3.32B	17.38	5.25%	4.35%	41.49%	-5.53%
CBU	78 Outperform	$3.12B	15.31	11.01%	3.14%	9.41%	20.64%
WSFS	78 Outperform	$3.14B	11.77	10.27%	1.15%	-3.62%	10.83%
FIBK	76 Outperform	$3.71B	15.12	7.20%	5.24%	-5.43%	4.19%
FHB	70 Outperform	$3.27B	12.83	9.62%	3.96%	-4.45%	16.92%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFNC	61 Neutral	$2.81B	-6.55	-12.42%	4.41%	-55.53%	-387.04%

Wsfs Financial Corporate Events

WSFS Financial Completes $200M Senior Notes Offering

On December 11, 2025, WSFS Financial Corporation completed its public offering of $200 million in 5.375% Fixed-to-Floating Rate Senior Unsecured Notes due 2035. The proceeds from the offering are intended to repay $150 million of existing senior notes due 2030 and for general corporate purposes, reflecting the company’s strong financial profile as noted by its Executive Vice President and CFO, David Burg.

WSFS Financial Announces New Senior Unsecured Notes

On December 9, 2025, WSFS Financial Corporation announced its proposal to offer and sell a new series of Fixed-to-Floating Rate Senior Unsecured Notes due 2035. The company aims to use the proceeds for general corporate purposes and to redeem existing notes due in 2030. This strategic financial move is expected to strengthen WSFS’s capital and liquidity position, potentially enhancing its market competitiveness and providing value to stakeholders.

WSFS Financial Reports Strong Q4 2025 Performance

WSFS Financial Corporation has released a presentation for the fourth quarter of 2025, highlighting its strong financial performance and strategic positioning in the market. The company has maintained a robust balance sheet with high capital ratios and liquidity, and it has achieved consistent top-tier performance compared to its peers. WSFS continues to focus on sustainable financial growth, with significant contributions from its Wealth and Trust franchise and a diverse client base. The company’s strategic location and market position between national and smaller banks provide it with a competitive edge in the Greater Philadelphia and Delaware region.

WSFS Financial Appoints Michelle Hong to Board

On October 23, 2025, WSFS Financial Corporation appointed Michelle Hong to its Board of Directors, effective December 1, 2025. Hong, who has an extensive background in financial services and legal practice, will stand for election at the 2026 Annual Meeting of Shareholders. Her appointment is expected to bring valuable expertise and leadership to the company as it pursues strategic goals and community engagement. The announcement was made on October 29, 2025, highlighting Hong’s impressive track record and alignment with WSFS’s core values.

WSFS Financial Reports Strong Q3 2025 Results

On October 23, 2025, WSFS Financial Corporation announced its financial results for the third quarter of 2025, reporting an EPS of $1.37, which marks a 27% year-over-year growth. The company demonstrated improvement in asset quality metrics, with a return on average assets of 1.44% and a net interest margin of 3.91%. The results were driven by strong net interest margins, solid fee performance, and lower provision expenses, reflecting a robust financial position and positive outlook for stakeholders.