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Wsfs Financial
(NASDAQ:WSFS)
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Rating:74Outperform
Price Target:
$87.00
â–²(11.11% Upside)
Action:Reiterated
Date:10/07/26
WSFS scores well on fundamentals and the latest earnings call, driven by improved profitability, low leverage, strong cash flow conversion, upgraded guidance, and meaningful capital return. The overall score is moderated by weaker near-term technical momentum and some sustainability risks tied to revenue/cash-flow volatility and rising deposit competition.
Positive Factors
Improving profitability and earnings quality
Improved margins show stronger earnings power, while free cash flow closely matching net income supports the quality of reported profits. Together, these trends give WSFS greater capacity to invest in its franchise, absorb normal credit costs, and sustain shareholder returns over the coming quarters.
Negative Factors
Deposit competition may pressure funding costs and NIM
More aggressive deposit pricing can raise WSFS’s funding costs and compress the spread between loan yields and deposit expense. Even with current NIM stability, sustained competition could reduce the benefit of balance growth and make profitability more sensitive to customer retention and rate changes.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability and earnings quality
Improved margins show stronger earnings power, while free cash flow closely matching net income supports the quality of reported profits. Together, these trends give WSFS greater capacity to invest in its franchise, absorb normal credit costs, and sustain shareholder returns over the coming quarters.
Read all positive factors
Wsfs Financial (WSFS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.85B
Dividend Yield0.98%
Average Volume (3M)348.42K
Price to Earnings (P/E)12.6
Beta (1Y)0.80
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. Volume318,343
30 Day Avg. Volume348,422
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 Cap0.48
Enterprise Value/Revenue1.34
Enterprise Value/Gross Profit1.71
Enterprise Value/Ebitda3.93
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:Jul 23, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 22, 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 | 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
Negative
78.30
Price Trends
78.93
Negative
77.20
Negative
70.90
Positive
Market Momentum
-0.93
Positive
39.07
Neutral
22.41
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WSFS, the sentiment is Negative. The current price of 78.3 is above the 20-day moving average (MA) of 77.34, below the 50-day MA of 78.93, and above the 200-day MA of 70.90, indicating a neutral trend. The MACD of -0.93 indicates Positive momentum. The RSI at 39.07 is Neutral, neither overbought nor oversold. The STOCH value of 22.41 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $4.22B | 10.57 | 11.15% | 3.44% | 0.30% | 22.36% | |
75 Outperform | $3.51B | 10.42 | 8.72% | 4.15% | 31.11% | 107.51% | |
74 Outperform | $3.85B | 12.65 | 11.74% | 0.98% | -0.33% | 30.90% | |
74 Outperform | $1.13B | 11.72 | 10.41% | 2.20% | 2.41% | 26.67% | |
71 Outperform | $2.88B | 9.20 | 11.00% | 4.35% | 3.72% | 35.18% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $1.58B | 18.99 | 2.59% | 4.98% | 10.46% | -39.66% |
* Financial Sector Average
WSFS
Wsfs Financial
75.39
22.97
43.81%
FULT
Fulton Financial
22.10
5.06
29.66%
OCFC
Oceanfirst Financial
16.08
-1.01
-5.93%
PFS
Provident Financial Services
22.09
4.01
22.20%
UVSP
Univest Of Pennsylvania
40.90
12.55
44.25%
WSBC
WesBanco
36.59
5.55
17.86%
Wsfs Financial Corporate Events
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...
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...
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.