WSFS FINANCIAL CORP (WSFS)

US9293281021 - Common Stock

51.03  -1.42 (-2.71%)

After market: 51.03 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to WSFS. WSFS was compared to 402 industry peers in the Banks industry. While WSFS is still in line with the averages on profitability rating, there are concerns on its financial health. WSFS has a valuation in line with the averages, but it does not seem to be growing.



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4

1. Profitability

1.1 Basic Checks

WSFS had positive earnings in the past year.
In the past year WSFS had a positive cash flow from operations.
WSFS had positive earnings in each of the past 5 years.
WSFS had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

WSFS's Return On Assets of 1.32% is amongst the best of the industry. WSFS outperforms 86.07% of its industry peers.
WSFS has a Return On Equity of 10.97%. This is in the better half of the industry: WSFS outperforms 74.88% of its industry peers.
Industry RankSector Rank
ROA 1.32%
ROE 10.97%
ROIC N/A
ROA(3y)1.38%
ROA(5y)1.23%
ROE(3y)11.65%
ROE(5y)9.88%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

The Profit Margin of WSFS (26.32%) is better than 67.66% of its industry peers.
In the last couple of years the Profit Margin of WSFS has declined.
The Operating Margin and Gross Margin are not available for WSFS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.32%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y15.5%
PM growth 5Y-4.24%
GM growth 3YN/A
GM growth 5YN/A

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1

2. Health

2.1 Basic Checks

WSFS does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for WSFS has been reduced compared to 1 year ago.
The number of shares outstanding for WSFS has been increased compared to 5 years ago.
WSFS has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of WSFS is 4.30, which is a neutral value as it means it would take WSFS, 4.30 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 4.30, WSFS is not doing good in the industry: 60.95% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.45 indicates that WSFS is not too dependend on debt financing.
WSFS's Debt to Equity ratio of 0.45 is on the low side compared to the rest of the industry. WSFS is outperformed by 69.90% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 4.3
Altman-Z N/A
ROIC/WACCN/A
WACC10.62%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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2

3. Growth

3.1 Past

The earnings per share for WSFS have decreased by -4.59% in the last year.
WSFS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.08% yearly.
The Revenue has been growing slightly by 4.56% in the past year.
The Revenue has been growing by 19.94% on average over the past years. This is quite good.
EPS 1Y (TTM)-4.59%
EPS 3Y33.19%
EPS 5Y5.08%
EPS Q2Q%-6.9%
Revenue 1Y (TTM)4.56%
Revenue growth 3Y15.02%
Revenue growth 5Y19.94%
Sales Q2Q%-4.09%

3.2 Future

WSFS is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.27% yearly.
The Revenue is expected to decrease by -1.27% on average over the next years.
EPS Next Y-3.57%
EPS Next 2Y-0.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.67%
Revenue Next 2Y-1.27%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.17 indicates a reasonable valuation of WSFS.
The rest of the industry has a similar Price/Earnings ratio as WSFS.
The average S&P500 Price/Earnings ratio is at 29.62. WSFS is valued rather cheaply when compared to this.
WSFS is valuated reasonably with a Price/Forward Earnings ratio of 11.25.
WSFS's Price/Forward Earnings is on the same level as the industry average.
WSFS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.22.
Industry RankSector Rank
PE 11.17
Fwd PE 11.25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of WSFS is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.77
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)2.2
EPS Next 2Y-0.27%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

WSFS has a Yearly Dividend Yield of 1.11%.
With a Dividend Yield of 1.11, WSFS pays less dividend than the industry average, which is at 3.35. 81.84% of the companies listed in the same industry pay a better dividend than WSFS!
With a Dividend Yield of 1.11, WSFS pays less dividend than the S&P500 average, which is at 2.26.
Industry RankSector Rank
Dividend Yield 1.11%

5.2 History

On average, the dividend of WSFS grows each year by 7.09%, which is quite nice.
WSFS has paid a dividend for at least 10 years, which is a reliable track record.
WSFS has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)7.09%
Div Incr Years10
Div Non Decr Years25

5.3 Sustainability

WSFS pays out 13.30% of its income as dividend. This is a sustainable payout ratio.
DP13.3%
EPS Next 2Y-0.27%
EPS Next 3YN/A

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WSFS FINANCIAL CORP

NASDAQ:WSFS (9/6/2024, 8:00:02 PM)

After market: 51.03 0 (0%)

51.03

-1.42 (-2.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.07B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 1.11%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 11.17
Fwd PE 11.25
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)2.2
Profitability
Industry RankSector Rank
ROA 1.32%
ROE 10.97%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 26.32%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-4.59%
EPS 3Y33.19%
EPS 5Y
EPS Q2Q%
EPS Next Y-3.57%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)4.56%
Revenue growth 3Y15.02%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y