WSFS FINANCIAL CORP (WSFS) Stock Fundamental Analysis
NASDAQ:WSFS - Nasdaq - US9293281021 - Common Stock - Currency: USD
Overall WSFS gets a fundamental rating of 3 out of 10. We evaluated WSFS against 405 industry peers in the Banks industry. WSFS has a medium profitability rating, but doesn't score so well on its financial health evaluation. WSFS is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year WSFS was profitable.
In the past year WSFS had a positive cash flow from operations.
Each year in the past 5 years WSFS has been profitable.
WSFS had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
WSFS has a Return On Assets of 1.26%. This is amongst the best in the industry. WSFS outperforms 83.21% of its industry peers.
WSFS has a Return On Equity of 9.83%. This is in the better half of the industry: WSFS outperforms 69.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 9.83% | ||
| ROIC | N/A |
ROA(3y)1.23%
ROA(5y)1.24%
ROE(3y)10.38%
ROE(5y)10.31%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
WSFS's Profit Margin of 25.08% is fine compared to the rest of the industry. WSFS outperforms 62.91% of its industry peers.
In the last couple of years the Profit Margin of WSFS has remained more or less at the same level.
WSFS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.08% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.85%
PM growth 5Y1.4%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
WSFS does not have a ROIC to compare to the WACC, probably because it is not profitable.
WSFS has less shares outstanding than it did 1 year ago.
WSFS has more shares outstanding than it did 5 years ago.
The debt/assets ratio for WSFS has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of WSFS is 10.74, which is on the high side as it means it would take WSFS, 10.74 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of WSFS (10.74) is worse than 71.68% of its industry peers.
WSFS has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.39, WSFS is doing worse than 71.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 10.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.09%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WSFS shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.95%.
Measured over the past 5 years, WSFS shows a small growth in Earnings Per Share. The EPS has been growing by 3.26% on average per year.
The Revenue has been growing slightly by 3.10% in the past year.
WSFS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.57% yearly.
EPS 1Y (TTM)-3.95%
EPS 3Y-7.97%
EPS 5Y3.26%
EPS Q2Q%-3.48%
Revenue 1Y (TTM)3.1%
Revenue growth 3Y19.12%
Revenue growth 5Y10.57%
Sales Q2Q%0.04%
3.2 Future
WSFS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.42% yearly.
WSFS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.68% yearly.
EPS Next Y3.86%
EPS Next 2Y6.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.33%
Revenue Next 2Y2.68%
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 accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.47, which indicates a correct valuation of WSFS.
WSFS's Price/Earnings is on the same level as the industry average.
WSFS is valuated cheaply when we compare the Price/Earnings ratio to 29.62, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 12.01 indicates a correct valuation of WSFS.
The rest of the industry has a similar Price/Forward Earnings ratio as WSFS.
WSFS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.70, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.47 | ||
| Fwd PE | 12.01 |
4.2 Price Multiples
77.19% of the companies in the same industry are cheaper than WSFS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.37 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.23
PEG (5Y)3.82
EPS Next 2Y6.42%
EPS Next 3YN/A
5. Dividend
5.1 Amount
WSFS has a Yearly Dividend Yield of 1.07%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.19, WSFS's dividend is way lower than its industry peers. On top of this 80.70% of the companies listed in the same industry pay a better dividend than WSFS!
Compared to an average S&P500 Dividend Yield of 2.27, WSFS's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.07% |
5.2 History
On average, the dividend of WSFS grows each year by 7.09%, which is quite nice.
WSFS has been paying a dividend for at least 10 years, so it has 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 Years26
5.3 Sustainability
WSFS pays out 13.72% of its income as dividend. This is a sustainable payout ratio.
WSFS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP13.72%
EPS Next 2Y6.42%
EPS Next 3YN/A
54.64
-1.54 (-2.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners93.18%
Inst Owner Change-86.34%
Ins Owners1.05%
Ins Owner Change-0.98%
Market Cap3.21B
Analysts78.18
Price Target65.69 (20.22%)
Short Float %2.12%
Short Ratio4.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.07% |
Yearly Dividend0.6
Dividend Growth(5Y)7.09%
DP13.72%
Div Incr Years10
Div Non Decr Years26
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)0.99%
Min EPS beat(2)0.12%
Max EPS beat(2)1.87%
EPS beat(4)4
Avg EPS beat(4)2.92%
Min EPS beat(4)0.12%
Max EPS beat(4)7.58%
EPS beat(8)6
Avg EPS beat(8)1.06%
EPS beat(12)8
Avg EPS beat(12)5.3%
EPS beat(16)12
Avg EPS beat(16)18.8%
Revenue beat(2)0
Avg Revenue beat(2)-1.85%
Min Revenue beat(2)-2.25%
Max Revenue beat(2)-1.45%
Revenue beat(4)0
Avg Revenue beat(4)-1.36%
Min Revenue beat(4)-2.25%
Max Revenue beat(4)-0.07%
Revenue beat(8)4
Avg Revenue beat(8)7.79%
Revenue beat(12)8
Avg Revenue beat(12)18.5%
Revenue beat(16)12
Avg Revenue beat(16)22.97%
PT rev (1m)4.89%
PT rev (3m)11.03%
EPS NQ rev (1m)-0.61%
EPS NQ rev (3m)-0.61%
EPS NY rev (1m)5.23%
EPS NY rev (3m)5.72%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)1.89%
Revenue NY rev (3m)2.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.47 | ||
| Fwd PE | 12.01 | ||
| P/S | 3.05 | ||
| P/FCF | 33.37 | ||
| P/OCF | 29.12 | ||
| P/B | 1.2 | ||
| P/tB | 1.9 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.38
EY8.02%
EPS(NY)4.55
Fwd EY8.33%
FCF(TTM)1.64
FCFY3%
OCF(TTM)1.88
OCFY3.43%
SpS17.9
BVpS45.66
TBVpS28.74
PEG (NY)3.23
PEG (5Y)3.82
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 9.83% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.08% | ||
| GM | N/A | ||
| FCFM | 9.15% |
ROA(3y)1.23%
ROA(5y)1.24%
ROE(3y)10.38%
ROE(5y)10.31%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.85%
PM growth 5Y1.4%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 10.74 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 36.84% | ||
| Cap/Sales | 1.33% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 36.47% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC11.09%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-3.95%
EPS 3Y-7.97%
EPS 5Y3.26%
EPS Q2Q%-3.48%
EPS Next Y3.86%
EPS Next 2Y6.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.1%
Revenue growth 3Y19.12%
Revenue growth 5Y10.57%
Sales Q2Q%0.04%
Revenue Next Year1.33%
Revenue Next 2Y2.68%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-73.14%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-69.58%
OCF growth 3YN/A
OCF growth 5YN/A