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Wsfs Financial
(NASDAQ:WSFS)
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Rating:75Outperform
Price Target:
$89.00
▲(13.67% Upside)
Action:Reiterated
Date:10/25/26
WSFS scores well primarily on financial performance: improving profitability/margins, conservative leverage, and strong cash-flow conversion. The earnings call reinforces solid operating trends and credit performance, though deposit cost/beta pressures and some uptick in problem assets temper the outlook. Technicals are supportive on trend but weaker on momentum (negative MACD), and valuation is reasonable but not strongly boosted by the sub-1% dividend yield.
Positive Factors
Improving profitability
Strong recent revenue growth and expanding profitability indicate improved operating leverage and earnings power. If margins remain supported by loan growth, disciplined expenses, and better net interest income, WSFS can sustain stronger internal capital generation over the next several quarters.
Negative Factors
Deposit-cost pressure
Higher deposit pricing and a rising beta can absorb the benefit of asset repricing, limiting net interest margin expansion and earnings growth. Persistent competition for funding may also raise the cost of maintaining customer relationships, reducing the durability of current spread improvements.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability
Strong recent revenue growth and expanding profitability indicate improved operating leverage and earnings power. If margins remain supported by loan growth, disciplined expenses, and better net interest income, WSFS can sustain stronger internal capital generation over the next several quarters.
Read all positive factors
Wsfs Financial (WSFS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$4.04B
Dividend Yield0.94%
Average Volume (3M)340.43K
Price to Earnings (P/E)12.4
Beta (1Y)0.77
Revenue Growth1.96%
EPS GrowthN/A
CountryUS
Employees2,335
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.96
Shares Outstanding51,090,607
10 Day Avg. Volume283,214
30 Day Avg. Volume340,427
Financial Highlights & Ratios
PEG Ratio0.73
Price to Book (P/B)1.10
Price to Sales (P/S)2.21
P/FCF Ratio14.06
Enterprise Value/Market Cap0.55
Enterprise Value/Revenue1.63
Enterprise Value/Gross Profit2.08
Enterprise Value/Ebitda4.78
Forecast
1Y Price Target
$87.60Price Target Upside11.88% Upside
Rating ConsensusHold
Number of Analyst Covering5
EPS Forecast (FY)6.61
Revenue Forecast (FY)$1.14B
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 WSFS Bank, Cash Connect, and Wealth and Trust...
How the Company Makes Money
WSFS makes money primarily through traditional banking revenue streams. The largest driver is net interest income: WSFS collects interest and fees on loans (e.g., commercial loans, residential mortgages, and other consumer/business credit products...
Wsfs Financial Earnings Call Summary
Earnings Call Date:Oct 22, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Jan 28, 2027
Earnings Call Sentiment Positive
The call was predominantly constructive, with strong earnings growth, improved profitability, solid loan and trust-related fee growth, low charge-offs, and meaningful capital returns. Offsetting factors included rising deposit pricing pressure, a higher expected deposit beta, slower consumer lending growth, sequentially higher problem assets, a specific student-housing reserve, and a reduced pace of buybacks. Management remained confident in the franchise and outlook while acknowledging that growth and margin trends could moderate in selected areas.Positive Updates
Strong Quarterly Profitability and Earnings Growth
Third-quarter core EPS was $1.75, core ROA was 1.58%, and core return on tangible common equity was 20.7%, all above the prior-quarter levels. Year-over-year, core PPNR increased 15%, core net income increased 14%, and core EPS increased 25%.
Negative Updates
Deposit Pricing Pressure and Rising Beta
Client deposit costs increased 4 basis points linked quarter. WSFS exited the rate cycle with a cumulative interest-bearing deposit beta of 41% and experienced an 18% beta in the September rate hike. Management expects continued deposit pricing pressure and said normalized beta could reach approximately 45% to 50% through the current increase cycle.
Read all updates
Q3-2026 Updates
Positive
Negative
Strong Quarterly Profitability and Earnings Growth
Third-quarter core EPS was $1.75, core ROA was 1.58%, and core return on tangible common equity was 20.7%, all above the prior-quarter levels. Year-over-year, core PPNR increased 15%, core net income increased 14%, and core EPS increased 25%.
Read all positive updates
Company Guidance
Management expects to exit 2026 with an up cycle beta of 35% across the September rate increase and another rate increase in December, with normalized beta about 45% to 50% through this increase cycle; loan and deposit growth are expected to be mid-single digits, with deposits generally tracking loans, while mortgage growth is expected at a slower rate. The securities portfolio is expected to remain in the low 20s percent of assets, with 4 to 5 basis points a year of NIM pickup from the securities portfolio, and each 25 basis point increase is expected to produce a 2 to 3 basis point increase in net interest margin, with maybe 2 basis points a good way to think about it. The capital target remains 12% over the medium term, buybacks would likely stay at a reduced pace for the coming quarter, Walton Trust’s goal is double digits, efficiency is expected to gradually decline in a moderate way, and net charge-offs are expected to come in a bit better than guidance.Wsfs Financial Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
84
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.37B | 1.36B | 1.40B | 1.27B | 963.25M | 641.85M |
| Gross Profit | 1.07B | 1.02B | 982.83M | 926.05M | 874.23M | 737.05M |
| EBITDA | 466.62M | 418.51M | 386.96M | 413.87M | 361.15M | 395.54M |
| Net Income | 320.35M | 287.35M | 263.67M | 269.16M | 222.38M | 271.44M |
Balance Sheet | ||||||
| Total Assets | 22.65B | 21.31B | 20.81B | 20.59B | 19.91B | 15.78B |
| Cash, Cash Equivalents and Short-Term Investments | 7.39B | 1.36B | 1.17B | 1.09B | 832.61M | 1.53B |
| Total Debt | 307.02M | 302.68M | 383.61M | 895.08M | 726.89M | 239.48M |
| Total Liabilities | 19.94B | 18.59B | 18.23B | 18.12B | 17.71B | 13.84B |
| Stockholders Equity | 2.72B | 2.73B | 2.59B | 2.48B | 2.21B | 1.94B |
Cash Flow | ||||||
| Free Cash Flow | 243.13M | 213.61M | 205.64M | 230.60M | 472.05M | 119.07M |
| Operating Cash Flow | 247.73M | 220.00M | 219.90M | 237.00M | 480.85M | 125.65M |
| Investing Cash Flow | -541.69M | 124.88M | -66.73M | -326.26M | -137.37M | -1.49B |
| Financing Cash Flow | 1.53B | 199.46M | -91.25M | 344.90M | -1.04B | 1.24B |
Wsfs Financial Technical Analysis
Positive
78.30
Price Trends
78.00
Positive
77.71
Positive
71.93
Positive
Market Momentum
-0.11
Negative
60.64
Neutral
80.57
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 78.3 is above the 20-day moving average (MA) of 76.36, above the 50-day MA of 78.00, and above the 200-day MA of 71.93, indicating a bullish trend. The MACD of -0.11 indicates Negative momentum. The RSI at 60.64 is Neutral, neither overbought nor oversold. The STOCH value of 80.57 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $4.04B | 12.42 | 12.37% | 0.94% | 1.96% | ― | |
74 Outperform | $1.16B | 12.07 | 10.41% | 2.14% | 2.41% | 26.67% | |
74 Outperform | $3.75B | 10.97 | 8.88% | 3.89% | 16.54% | 77.61% | |
71 Outperform | $3.03B | 9.68 | 11.00% | 4.13% | 3.72% | 35.18% | |
70 Outperform | $4.52B | 10.96 | 11.39% | 3.21% | 2.96% | 12.41% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $1.65B | 19.73 | 2.59% | 4.79% | 10.46% | -39.66% |
* Financial Sector Average
WSFS
Wsfs Financial
79.02
25.87
48.66%
FULT
Fulton Financial
23.67
6.34
36.55%
OCFC
Oceanfirst Financial
16.71
-1.10
-6.19%
PFS
Provident Financial Services
23.24
5.07
27.89%
UVSP
Univest Of Pennsylvania
42.14
12.62
42.73%
WSBC
WesBanco
39.05
9.36
31.51%
Wsfs Financial Corporate Events
Business Operations and StrategyFinancial Disclosures
WSFS Financial posts strong third-quarter 2026 results
Positive
Oct 22, 2026
WSFS Financial Corporation reported strong results for the third quarter of 2026, released on October 22, 2026, with diluted earnings per share of $1.75, up 28% year over year, and net income of $89.3 million. Key profitability metrics improved, i...
Business Operations and StrategyExecutive/Board Changes
WSFS Financial Announces Key Governance and Risk Leadership Changes
Positive
Oct 6, 2026
On October 6, 2026, WSFS Financial Corporation announced a series of executive leadership changes in its governance and risk functions, appointing Charles “Chuck” Mosher as Executive Vice President and Chief Audit Executive and promoti...
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.