Wsfs Financial (WSFS) AI Stock Analysis

• Market Cap: $2.95B
• Dividend Yield: 1.21%
• Average Volume (3M): 318.04K
• Price to Earnings (P/E): 10.9
• Beta (1Y): 1.05
• Revenue Growth: -3.49%
• EPS Growth: N/A
• Country: US
• Employees: 2,336
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.40
• Shares Outstanding: 55,969,140
• 10 Day Avg. Volume: 297,866
• 30 Day Avg. Volume: 318,041
• 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: 0.76
• Enterprise Value/Revenue: 8.80
• Enterprise Value/Gross Profit: 8.82
• Enterprise Value/Ebitda: 5.63
• 1Y Price Target: $64.67
• Price Target Upside: 22.74% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: $60.00 ▲(13.87% Upside)

WSFS Financial's overall stock score reflects strong financial performance and positive earnings call highlights, tempered by technical analysis indicating potential bearish momentum and valuation metrics suggesting fair pricing. The company's robust capital position and growth in key areas are significant strengths.

Wsfs Financial Business Overview & Revenue Model

Company Description

WSFS Financial Corporation is a bank holding company based in Wilmington, Delaware, primarily engaged in providing a wide range of financial services through its subsidiary, WSFS Bank. The company operates in the banking sector, offering personal banking, commercial banking, and wealth management services. Its core products include checking and savings accounts, loans, mortgages, credit cards, and investment management services, catering to both individual and business clients across the Mid-Atlantic region.

How the Company Makes Money

WSFS Financial generates revenue through several key streams, primarily from net interest income and non-interest income. Net interest income is derived from the interest earned on loans and investment securities, minus the interest paid on deposits and other borrowings. The bank offers various loan products, including commercial loans, consumer loans, and mortgages, which contribute significantly to its interest income. Additionally, WSFS earns non-interest income through fees associated with account services, transaction fees, and wealth management services. The company may also engage in partnerships with other financial institutions and entities to expand its service offerings and customer base, further enhancing its revenue potential.

Wsfs Financial Financial Statement Overview

Summary

WSFS Financial demonstrates strong profitability with healthy margins and a robust balance sheet characterized by low leverage. However, challenges in revenue growth and pressure on free cash flow growth slightly temper the overall financial performance.

Income Statement

WSFS Financial shows strong profitability with a consistent gross profit margin above 70% and a net profit margin around 20% in recent periods. However, the revenue growth rate has been negative in the latest TTM, indicating potential challenges in revenue generation. Despite this, EBIT and EBITDA margins remain healthy, reflecting operational efficiency.

Balance Sheet

The balance sheet is robust with a low debt-to-equity ratio, indicating conservative leverage. Return on equity is stable around 10%, showcasing efficient use of equity capital. The equity ratio is strong, reflecting a solid capital structure with a high proportion of equity financing.

Cash Flow

Cash flow analysis reveals a decline in free cash flow growth, which could be a concern. However, the company maintains a high free cash flow to net income ratio, indicating good cash generation relative to earnings. The operating cash flow to net income ratio is low, suggesting potential issues in converting income into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	253.48M	1.40B	1.27B	963.25M	641.19M	708.53M
Gross Profit	252.83M	982.83M	926.05M	874.23M	735.55M	506.90M
EBITDA	396.36M	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	4.70B	1.17B	1.09B	832.61M	1.53B	1.65B
Total Debt	0.00	535.97M	1.05B	885.16M	239.48M	340.64M
Total Liabilities	18.10B	18.23B	18.12B	17.71B	13.84B	12.54B
Stockholders Equity	2.74B	2.59B	2.48B	2.21B	1.94B	1.79B
Cash Flow
Free Cash Flow	55.38M	205.64M	230.60M	472.05M	119.07M	7.98M
Operating Cash Flow	59.04M	219.90M	237.00M	480.85M	125.65M	15.14M
Investing Cash Flow	223.60M	-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: Negative
• Last Price: 52.69
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 52.69 is below the 20-day moving average (MA) of 52.78, below the 50-day MA of 54.68, and below the 200-day MA of 53.85, indicating a bearish trend. The MACD of -0.46 indicates Negative momentum. The RSI at 46.03 is Neutral, neither overbought nor oversold. The STOCH value of 39.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for WSFS.

Wsfs Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBU	76 Outperform	$2.94B	14.37	11.02%	3.32%	9.41%	20.61%
WSFS	73 Outperform	$2.95B	10.87	10.27%	1.21%	-3.49%	―
WSBC	71 Outperform	$2.89B	15.29	5.25%	4.92%	41.12%	-5.53%
FHB	70 Outperform	$3.02B	11.91	9.62%	4.20%	-4.57%	16.92%
FIBK	68 Neutral	$3.32B	13.35	7.20%	5.97%	-11.22%	4.19%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFNC	60 Neutral	$2.53B	-5.96	-12.42%	4.84%	-55.54%	-386.73%

Wsfs Financial Corporate Events

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.

WSFS Financial’s Earnings Call Highlights Growth and Challenges

WSFS Financial Corporation’s recent earnings call revealed a generally positive sentiment, highlighting strong financial performance and significant year-over-year growth in key metrics. Despite facing challenges such as flat core fee revenue and loan portfolio issues, the company’s robust capital position and growth in the Wealth and Trust business were seen as positive indicators for future performance. However, potential margin pressures due to rate cuts were noted as a concern.

WSFS Financial Reports Strong Q3 2025 Results

On October 23, 2025, WSFS Financial Corporation announced its financial results for the third quarter of 2025, reporting an EPS of $1.37, which marks a 27% year-over-year growth. The company demonstrated improvement in asset quality metrics, with a return on average assets of 1.44% and a net interest margin of 3.91%. The results were driven by strong net interest margins, solid fee performance, and lower provision expenses, reflecting a robust financial position and positive outlook for stakeholders.

The most recent analyst rating on (WSFS) stock is a Buy with a $60.00 price target. To see the full list of analyst forecasts on Wsfs Financial stock, see the WSFS Stock Forecast page.