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Wsfs Financial
(NASDAQ:WSFS)
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Rating:79Outperform
Price Target:
$94.00
â–²(17.74% Upside)
Action:Reiterated
Date:08/06/26
WSFS scores well primarily on improving financial performance (strong margins, solid earnings quality, and low leverage) and a notably positive earnings update with raised guidance and continued capital returns. Technicals support the uptrend but are somewhat extended short-term, while valuation is fair with a modest dividend yield.
Positive Factors
Balance sheet strength
WSFS’s materially lower leverage and steadily growing equity provide durable capital flexibility. A conservative debt-to-equity profile supports continued lending, absorbtion of credit cycles, regulatory compliance and enables sustained capital returns and investment without immediate balance-sheet strain.
Negative Factors
Rising deposit competition
Persistent upward pressure on deposit rates can erode net interest margin if asset yields cannot reprice commensurately. For a regional bank like WSFS, structurally higher funding costs over several quarters would compress core spread and require either faster loan repricing or cost reductions to protect profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance sheet strength
WSFS’s materially lower leverage and steadily growing equity provide durable capital flexibility. A conservative debt-to-equity profile supports continued lending, absorbtion of credit cycles, regulatory compliance and enables sustained capital returns and investment without immediate balance-sheet strain.
Read all positive factors
Wsfs Financial (WSFS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$4.17B
Dividend Yield0.93%
Average Volume (3M)351.93K
Price to Earnings (P/E)13.4
Beta (1Y)0.84
Revenue Growth-0.33%
EPS Growth30.90%
CountryUS
Employees2,335
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.96
Shares Outstanding51,090,607
10 Day Avg. Volume375,271
30 Day Avg. Volume351,929
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$88.20Price Target Upside10.47% Upside
Rating ConsensusHold
Number of Analyst Covering5
EPS Forecast (FY)6.53
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 primarily makes money through a traditional bank-driven model combining net interest income and noninterest (fee) income. Net interest income is the largest driver for most banks and is generated by earning interest on loans and investment se...
Wsfs Financial Earnings Call Summary
Earnings Call Date:Jul 23, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 26, 2026
Earnings Call Sentiment Positive
The call conveyed multiple strong operational and financial improvements — solid core earnings, improving NIM, robust fee revenue and market share gains in institutional services, meaningful deposit and loan growth, improving asset quality, and an upgraded full-year outlook — offset by manageable headwinds such as one-time charges, Cash Connect fee declines, rising deposit competition, potential expense variability, and questions about the sustainability of elevated transactional deposit growth. Overall, positives materially outweigh the challenges.Positive Updates
Strong Core Earnings and Profitability
Core EPS of $1.66, core ROA of 1.55%, and core ROTCE of 20.2% for Q2; core net income +19% year-over-year and core PPNR +10% year-over-year; core EPS growth 31% YoY and tangible book value per share +13% YoY.
Negative Updates
One-time Charges Reduced Reported Results
A $1.8M decrease to net income (approximately $0.03 EPS reduction) in the quarter primarily related to an equity investment write-down and previously disclosed transactions, which reduced reported core results.
Read all updates
Q2-2026 Updates
Positive
Negative
Strong Core Earnings and Profitability
Core EPS of $1.66, core ROA of 1.55%, and core ROTCE of 20.2% for Q2; core net income +19% year-over-year and core PPNR +10% year-over-year; core EPS growth 31% YoY and tangible book value per share +13% YoY.
Read all positive updates
Company Guidance
WSFS updated its 2026 outlook assuming no Fed funds changes, raising full‑year ROA to 1.50% (with upside potential), guiding NIM to about 3.85%, and increasing deposit growth to mid‑to‑high single digits; fee revenue excluding Cash Connect is now expected to grow mid‑to‑high single digits, net charge‑offs are forecast at 15–25 bps of average loans (includes the Q1 recovery), and efficiency is expected to remain in the high‑fifties as the company maintains expense discipline while investing in the franchise—the firm also reiterated its capital return framework (returning roughly 100% of net income YTD, Q2 capital returned $77M including $66M buybacks, and YTD repurchases >4% of shares) and noted ongoing deposit competition that could pressure deposit pricing.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 | 458.09M | 408.02M | 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
Neutral
79.84
Price Trends
78.25
Positive
74.06
Positive
66.75
Positive
Market Momentum
0.87
Positive
48.44
Neutral
38.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WSFS, the sentiment is Neutral. The current price of 79.84 is below the 20-day moving average (MA) of 80.89, above the 50-day MA of 78.25, and above the 200-day MA of 66.75, indicating a neutral trend. The MACD of 0.87 indicates Positive momentum. The RSI at 48.44 is Neutral, neither overbought nor oversold. The STOCH value of 38.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $4.17B | 13.39 | 11.74% | 0.89% | -0.33% | 30.90% | |
77 Outperform | $4.05B | 11.73 | 8.72% | 3.66% | 31.11% | 107.51% | |
72 Outperform | $3.40B | 14.65 | 11.34% | 2.80% | 7.22% | 17.31% | |
69 Neutral | $3.31B | 11.54 | 10.27% | 3.70% | 1.51% | 19.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $3.67B | 11.64 | 9.55% | 4.93% | -5.41% | 45.98% | |
66 Neutral | $3.42B | -7.68 | -10.21% | 3.69% | -56.95% | -299.43% |
* Financial Sector Average
WSFS
Wsfs Financial
79.81
24.74
44.92%
CBU
Community Bank System
63.14
7.69
13.87%
FIBK
First Interstate Bancsystem
37.84
9.33
32.73%
SFNC
Simmons 1st Nat'l
23.05
3.90
20.36%
WSBC
WesBanco
41.16
11.34
38.01%
FHB
First Hawaiian
26.77
3.13
13.24%
Wsfs Financial Corporate Events
Business Operations and StrategyFinancial Disclosures
WSFS Financial Reports Strong Second-Quarter 2026 Results
Positive
Jul 23, 2026
On July 23, 2026, WSFS Financial reported second-quarter 2026 diluted earnings per share of $1.63 and a return on average assets of 1.52%, supported by growth in loans, deposits, and fee revenue, with total net revenue rising to $282.5 million fro...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
Wsfs Financial Forms New Credit Card Partnership With Elan
Positive
Jun 11, 2026
On June 5, 2026, Wilmington Savings Fund Society, FSB, a unit of WSFS Financial, entered a partnership with Elan Financial Services to issue WSFS‑branded credit cards, aiming to pair Elan’s product scale with WSFS’s personalized ...
Executive/Board ChangesShareholder Meetings
WSFS Financial Shareholders Back Board, Pay and Auditor
Positive
May 19, 2026
WSFS Financial Corporation held its 2026 Annual Meeting of Stockholders on May 14, 2026, where shareholders elected three directors, Eleuthère I. du Pont, Michelle Hong, and David G. Turner, to three-year terms ending with the 2029 Annual Mee...
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.