WSFS FINANCIAL CORP (WSFS)
US9293281021 - Common Stock
We assign a fundamental rating of 3 out of 10 to WSFS. WSFS was compared to 405 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 expensive valuation and it also scores bad on growth.
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.
In the past 5 years WSFS has always been profitable.
Each year in the past 5 years WSFS had a positive operating cash flow.
1.2 Ratios
WSFS has a better Return On Assets (1.26%) than 83.17% of its industry peers.
The Return On Equity of WSFS (9.83%) is better than 70.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 9.83% | ||
| 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
WSFS's Profit Margin of 25.08% is fine compared to the rest of the industry. WSFS outperforms 62.81% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.08% | ||
| 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
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.
WSFS has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, WSFS has a worse debt to assets ratio.
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 72.11% 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.
WSFS has a Debt to Equity ratio of 0.39. This is in the lower half of the industry: WSFS underperforms 72.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 10.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for WSFS have decreased by -7.72% in the last year.
Measured over the past 5 years, WSFS shows a small growth in Earnings Per Share. The EPS has been growing by 5.08% on average per year.
The Revenue has been growing slightly by 4.14% 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)-7.72%
EPS 3Y33.19%
EPS 5Y5.08%
EPS Q2Q%-12.2%
Revenue 1Y (TTM)4.14%
Revenue growth 3Y15.02%
Revenue growth 5Y19.94%
Sales Q2Q%-2.79%
3.2 Future
The Earnings Per Share is expected to grow by 1.45% on average over the next years.
WSFS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.53% yearly.
EPS Next Y-4.95%
EPS Next 2Y-2.64%
EPS Next 3Y1.45%
EPS Next 5YN/A
Revenue Next Year-3.18%
Revenue Next 2Y-1.87%
Revenue Next 3Y0.53%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 12.05, the valuation of WSFS can be described as correct.
Based on the Price/Earnings ratio, WSFS is valued a bit cheaper than 62.56% of the companies in the same industry.
WSFS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.28.
WSFS is valuated correctly with a Price/Forward Earnings ratio of 12.32.
WSFS's Price/Forward Earnings is on the same level as the industry average.
WSFS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.53, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.05 | ||
| Fwd PE | 12.32 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, WSFS is valued a bit more expensive than the industry average as 77.89% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 32.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.37
EPS Next 2Y-2.64%
EPS Next 3Y1.45%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.14%, WSFS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.29, WSFS's dividend is way lower than its industry peers. On top of this 80.15% of the companies listed in the same industry pay a better dividend than WSFS!
With a Dividend Yield of 1.14, WSFS pays less dividend than the S&P500 average, which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.14% |
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 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 2Y-2.64%
EPS Next 3Y1.45%
WSFS FINANCIAL CORP
NASDAQ:WSFS (1/14/2025, 8:13:43 PM)
After market: 53.26 0 (0%)53.26
+1.76 (+3.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners91.33%
Inst Owner Change-0.02%
Ins Owners1.05%
Ins Owner Change-0.09%
Market Cap3.14B
Analysts78.18
Price Target62.63 (17.59%)
Short Float %2.27%
Short Ratio4.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.14% |
Dividend Growth(5Y)7.09%
DP13.72%
Div Incr Years10
Div Non Decr Years26
Ex-DateN/A
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)6.6%
PT rev (3m)3.37%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.46%
EPS NY rev (1m)-0.09%
EPS NY rev (3m)-1.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.74%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.05 | ||
| Fwd PE | 12.32 | ||
| P/S | 2.99 | ||
| P/FCF | 32.66 | ||
| P/OCF | 28.5 | ||
| P/B | 1.17 | ||
| P/tB | 1.86 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.42
EY8.3%
EPS(NY)4.32
Fwd EY8.12%
FCF(TTM)1.63
FCFY3.06%
OCF(TTM)1.87
OCFY3.51%
SpS17.83
BVpS45.47
TBVpS28.63
PEG (NY)N/A
PEG (5Y)2.37
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)1.38%
ROA(5y)1.23%
ROE(3y)11.65%
ROE(5y)9.88%
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 3Y15.5%
PM growth 5Y-4.24%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 10.74 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 46.21% | ||
| 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-Score5
WACC11.42%
ROIC/WACCN/A
Cap/Depr(3y)21.81%
Cap/Depr(5y)29.17%
Cap/Sales(3y)0.88%
Cap/Sales(5y)1.19%
Profit Quality(3y)113.93%
Profit Quality(5y)79.91%
High Growth Momentum
Growth
EPS 1Y (TTM)-7.72%
EPS 3Y33.19%
EPS 5Y5.08%
EPS Q2Q%-12.2%
EPS Next Y-4.95%
EPS Next 2Y-2.64%
EPS Next 3Y1.45%
EPS Next 5YN/A
Revenue 1Y (TTM)4.14%
Revenue growth 3Y15.02%
Revenue growth 5Y19.94%
Sales Q2Q%-2.79%
Revenue Next Year-3.18%
Revenue Next 2Y-1.87%
Revenue Next 3Y0.53%
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-58.84%
FCF growth 3Y207.9%
FCF growth 5Y12.13%
OCF growth 1Y-54.71%
OCF growth 3Y150.38%
OCF growth 5Y11.81%