Wsfs Financial (WSFS) AI Stock Analysis

• Market Cap: $3.63B
• Dividend Yield: 1.16%
• Average Volume (3M): 351.93K
• Price to Earnings (P/E): 13.0
• Beta (1Y): 0.81
• Revenue Growth: -3.62%
• EPS Growth: 10.83%
• Country: US
• Employees: 2,336
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.43
• 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: 0.65
• Enterprise Value/Revenue: 1.74
• Enterprise Value/Gross Profit: 2.35
• Enterprise Value/Ebitda: 5.87
• 1Y Price Target: $70.25
• Price Target Upside: 3.80% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: $65.00 ▼(-3.96% Downside)

WSFS scores well on fundamentals, led by strong profitability/cash generation and a positive earnings update showing improving asset quality and active capital returns. Technicals are supportive with a steady uptrend, while valuation is reasonable but the dividend is modest. The primary offset is the noted revenue growth slowdown and sensitivity of net interest margin to potential rate cuts.

Positive Factors

Cash Generation

WSFS shows durable cash generation with notable free cash flow growth and a strong FCF-to-net-income ratio. Reliable operating cash supports ongoing loan funding, technology investment, and capital returns, reducing reliance on external financing across business cycles.

Capital Strength & Returns

A CET1 of 14.39% and $56.3M returned (including $46.8M buybacks) indicate substantial capital cushions and disciplined capital allocation. This position permits continued buybacks and buffers credit stress while supporting strategic investments without weakening regulatory capital.

Diversified Fee and Deposit Franchise

Growth in Wealth & Trust (13% YoY) and noninterest deposits (12% YoY) point to diversified, sticky revenue and funding sources. A broader fee mix and stable deposit base reduce earnings volatility versus pure loan-funded models and support sustainable net interest and fee income.

Negative Factors

Revenue Growth Trend

A decline in reported revenue growth (-3.62%) signals structural pressure on top-line expansion. If sustained, slower revenue limits reinvestment capacity and makes it harder to offset margin compression or fund continued capital returns, stressing medium-term earnings momentum.

Net Interest Margin Sensitivity

Management notes NIM sensitivity (~3 bps decline per 25 bp rate cut), creating exposure to policy easing. For a regional bank reliant on NII, persistent rate cuts could erode core profitability, challenging loan pricing and return-on-assets over a multi-quarter horizon.

Loan Portfolio Runoff & Sales

Strategic loan sales and runoff reduced loans 1% linked quarter. While sometimes prudent, recurring runoff or portfolio exits can shrink earning assets, slow organic growth, and leave a gap to replace interest income, pressuring long-term revenue and margin stability.

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

Solid profitability and operating efficiency with strong cash flow generation (notably free cash flow growth and a robust FCF-to-net-income ratio). Balance sheet leverage is conservative, though the recent slowdown in revenue growth is a key watch item.

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: 67.68
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 67.68 is above the 20-day moving average (MA) of 59.32, above the 50-day MA of 57.59, and above the 200-day MA of 55.10, indicating a bullish trend. The MACD of 2.46 indicates Negative momentum. The RSI at 79.50 is Negative, neither overbought nor oversold. The STOCH value of 96.67 is Negative, 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
WSFS	76 Outperform	$3.63B	13.04	10.27%	1.16%	-3.62%	10.83%
WSBC	75 Outperform	$3.46B	16.18	6.54%	4.35%	41.49%	-5.53%
CBU	73 Outperform	$3.36B	16.06	11.01%	3.14%	9.41%	20.64%
FIBK	73 Outperform	$3.79B	12.52	8.95%	5.24%	-5.43%	4.19%
FHB	72 Outperform	$3.26B	11.99	9.62%	3.96%	-4.45%	16.92%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFNC	62 Neutral	$2.98B	-7.53	-12.42%	4.41%	-55.53%	-387.04%

Wsfs Financial Corporate Events

WSFS Financial Posts Strong Fourth-Quarter and 2025 Results

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 loans and deposits. Net interest income increased to $187.4 million in the fourth quarter of 2025 from $178.2 million a year earlier, while total net revenue for the quarter rose to $271.9 million and full-year 2025 net revenue reached $1.07 billion, up from $1.05 billion in 2024. Full-year 2025 diluted EPS climbed to $5.09 from $4.41 in 2024, with net income attributable to WSFS rising to $287.3 million and return on average assets improving to 1.36%, as the bank also held its efficiency ratio below 60% for the year, signaling sustained profitability and operating discipline despite higher provisions for credit losses and certain non-core items affecting GAAP results.

The most recent analyst rating on (WSFS) stock is a Buy with a $67.00 price target. To see the full list of analyst forecasts on Wsfs Financial stock, see the WSFS Stock Forecast page.

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.

The most recent analyst rating on (WSFS) stock is a Buy with a $63.00 price target. To see the full list of analyst forecasts on Wsfs Financial stock, see the WSFS Stock Forecast page.

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.

The most recent analyst rating on (WSFS) stock is a Buy with a $64.00 price target. To see the full list of analyst forecasts on Wsfs Financial stock, see the WSFS Stock Forecast page.

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.

The most recent analyst rating on (WSFS) stock is a Buy with a $58.00 price target. To see the full list of analyst forecasts on Wsfs Financial stock, see the WSFS Stock Forecast page.

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.

The most recent analyst rating on (WSFS) stock is a Hold with a $63.00 price target. To see the full list of analyst forecasts on Wsfs Financial stock, see the WSFS Stock Forecast page.