Wsfs Financial Corp. (WSFS)
NASDAQ:WSFS
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Wsfs Financial
(NASDAQ:WSFS)
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Rating:74Outperform
Price Target:
$71.00
â–²(2.48% Upside)
Action:ReiteratedDate:03/02/26
The score is driven primarily by strong financial quality (conservative leverage and materially improved TTM cash generation) and constructive earnings-call guidance (double-digit core EPS growth outlook with disciplined capital returns). Valuation is supportive with a moderate P/E, while mixed-to-soft technical signals (below the 20-day average, neutral RSI) temper the overall rating. The sharp TTM revenue decline remains the most notable fundamental risk to monitor.
Positive Factors
Conservative leverage
Low leverage (debt-to-equity ~0.11) and steady equity growth provide durable balance-sheet capacity. This conservatism supports lending flexibility, cushions shocks, allows continued buybacks/dividends, and underpins capital strength for 2–6 month horizons and beyond.
Negative Factors
Sharp revenue decline
A ~36% TTM revenue drop is a significant structural warning: sustained top-line erosion can erode margins, limit reinvestment capacity and compress ROE over time. Even with strong cash flow, persistent revenue weakness undermines durable earnings growth prospects.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage
Low leverage (debt-to-equity ~0.11) and steady equity growth provide durable balance-sheet capacity. This conservatism supports lending flexibility, cushions shocks, allows continued buybacks/dividends, and underpins capital strength for 2–6 month horizons and beyond.
Read all positive factors
Wsfs Financial (WSFS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.65B
Dividend Yield1.16%
Average Volume (3M)351.93K
Price to Earnings (P/E)10.5
Beta (1Y)0.85
Revenue Growth-3.62%
EPS Growth10.83%
CountryUS
Employees2,336
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.43
Shares Outstanding52,732,170
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 Cap0.72
Enterprise Value/Revenue1.93
Enterprise Value/Gross Profit2.59
Enterprise Value/Ebitda6.45
Forecast
1Y Price Target
$72.10Price Target Upside4.07% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)5.91
Revenue Forecast (FY)$1.10B
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 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...
Wsfs Financial Earnings Call Summary
Earnings Call Date:Jan 26, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 23, 2026
Earnings Call Sentiment Positive
The call emphasized strong operating performance, double-digit core EPS growth, resilient margins year-over-year, robust fee and deposit momentum, disciplined capital returns, and an optimistic 2026 outlook with targeted loan and deposit growth and manageable NIM. Offsetting items included a modest linked-quarter NIM decline, a short-term increase in delinquencies and higher quarterly net charge-offs driven by specific problem loans, and expected Cash Connect top-line pressure from rate cuts. Management presented concrete mitigants (deposit repricing, hedges, securities strategy, expense discipline) and maintained constructive guidance, resulting in positives materially outweighing the challenges.Positive Updates
Strong Core Earnings and Returns
Q4 core EPS of $1.43 (up 29% YoY) and full-year 2025 core EPS of $5.21 (up 19% YoY). Q4 core ROA of 1.42% and full-year core ROA of 1.39%; core return on tangible common equity of 18% (Q4 and full year).
Negative Updates
Linked-Quarter NIM Pressure
NIM declined 8 bps linked quarter (4 bps attributable to a prior one-time interest recovery), reflecting the early sensitivity to rate cuts despite YoY resilience; management assumes three 25 bps cuts in 2026 which they will mitigate through repricing, hedges and securities strategy.
Read all updates
Q4-2025 Updates
Positive
Negative
Strong Core Earnings and Returns
Q4 core EPS of $1.43 (up 29% YoY) and full-year 2025 core EPS of $5.21 (up 19% YoY). Q4 core ROA of 1.42% and full-year core ROA of 1.39%; core return on tangible common equity of 18% (Q4 and full year).
Read all positive updates
Company Guidance
WSFS’s 2026 guidance assumes a stable economy and three 25-basis-point rate cuts and calls for a full-year core ROA of ~1.40% and double-digit core EPS growth, NIM of ~3.80% (Q4 exit NIM 3.83%), mid-single-digit deposit growth from 4Q levels (noninterest-bearing deposits 32% of total, +6% linked quarter), mid-single-digit loan growth overall (low single-digit consumer growth), fee revenue up mid-single digits excluding Cash Connect with Wealth & Trust growing double digits, net charge-offs 35–45 bps of average loans, an efficiency ratio in the high 50s, and an interest-bearing deposit beta in the low- to mid-40s (December exit beta 43%); management plans elevated buybacks toward a 12% capital target (Q4 buybacks $109M, $119M total capital returned in Q4, $288M YTD ≈9% of shares), will keep the securities portfolio roughly flat at ~21% of assets (portfolio yield ~2.35–2.4% being reinvested at ~4.3–4.4%), and expects Cash Connect to lose ~$2.5M of revenue per 25 bp cut while improving margins via pricing, mix and expense actions; hedges in the money total ~$1.3B (≈$1.5B with another cut).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
69.28
Price Trends
65.67
Positive
61.06
Positive
58.05
Positive
Market Momentum
1.28
Negative
66.18
Neutral
91.18
Negative
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 69.28 is above the 20-day moving average (MA) of 65.22, above the 50-day MA of 65.67, and above the 200-day MA of 58.05, indicating a bullish trend. The MACD of 1.28 indicates Negative momentum. The RSI at 66.18 is Neutral, neither overbought nor oversold. The STOCH value of 91.18 is Negative, 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $3.65B | 10.45 | 10.61% | 1.16% | -3.62% | 10.83% | |
70 Outperform | $3.28B | 15.30 | 10.99% | 3.14% | 9.41% | 20.64% | |
70 Outperform | $3.47B | 8.17 | 5.67% | 4.35% | 41.49% | -5.53% | |
70 Outperform | $3.23B | 11.43 | 9.62% | 3.96% | -4.45% | 16.92% | |
68 Neutral | $3.44B | 11.75 | 8.83% | 5.24% | -5.43% | 4.19% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | $2.97B | -6.78 | -11.48% | 4.41% | -55.53% | -387.04% |
* Financial Sector Average
WSFS
Wsfs Financial
69.28
23.47
51.22%
CBU
Community Bank System
62.45
11.85
23.41%
FIBK
First Interstate Bancsystem
34.03
10.73
46.07%
SFNC
Simmons 1st Nat'l
20.50
3.27
18.95%
WSBC
WesBanco
36.06
10.17
39.28%
FHB
First Hawaiian
26.27
5.43
26.04%
Wsfs Financial Corporate Events
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...
Private Placements and Financing
WSFS Financial Completes $200M Senior Notes Offering
Positive
Dec 11, 2025
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 n...
Business Operations and StrategyPrivate Placements and Financing
WSFS Financial Announces New Senior Unsecured Notes
Positive
Dec 9, 2025
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 exis...
Business Operations and StrategyFinancial Disclosures
WSFS Financial Reports Strong Q4 2025 Performance
Positive
Dec 4, 2025
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 ratio...
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.