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WSFS FINANCIAL CORP (WSFS) Stock Fundamental Analysis

NASDAQ:WSFS - Nasdaq - US9293281021 - Common Stock - Currency: USD

51.66  -0.49 (-0.94%)

After market: 51.66 0 (0%)

Fundamental Rating

4

Overall WSFS gets a fundamental rating of 4 out of 10. We evaluated WSFS against 398 industry peers in the Banks industry. There are concerns on the financial health of WSFS while its profitability can be described as average. While showing a medium growth rate, WSFS is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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4

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 each of the past 5 years.
WSFS Yearly Net Income VS EBIT VS OCF VS FCFWSFS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.27%, WSFS belongs to the top of the industry, outperforming 82.41% of the companies in the same industry.
WSFS has a Return On Equity of 10.18%. This is in the better half of the industry: WSFS outperforms 68.59% of its industry peers.
Industry RankSector Rank
ROA 1.27%
ROE 10.18%
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
WSFS Yearly ROA, ROE, ROICWSFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

WSFS has a better Profit Margin (25.20%) than 60.05% of its industry peers.
WSFS's Profit Margin has been stable in the last couple of years.
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) 25.2%
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
WSFS Yearly Profit, Operating, Gross MarginsWSFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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3

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.
Compared to 5 years ago, WSFS has more shares outstanding
WSFS has a better debt/assets ratio than last year.
WSFS Yearly Shares OutstandingWSFS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
WSFS Yearly Total Debt VS Total AssetsWSFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

The Debt to FCF ratio of WSFS is 1.62, which is an excellent value as it means it would take WSFS, only 1.62 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.62, WSFS is in the better half of the industry, outperforming 60.55% of the companies in the same industry.
A Debt/Equity ratio of 0.13 indicates that WSFS is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.13, WSFS is doing good in the industry, outperforming 66.08% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.62
Altman-Z N/A
ROIC/WACCN/A
WACC14.9%
WSFS Yearly LT Debt VS Equity VS FCFWSFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WSFS Yearly Current Assets VS Current LiabilitesWSFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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4

3. Growth

3.1 Past

The earnings per share for WSFS have decreased by -5.38% 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 3.26% on average per year.
The Revenue has been growing slightly by 3.09% 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)-5.38%
EPS 3Y-7.97%
EPS 5Y3.26%
EPS Q2Q%1.8%
Revenue 1Y (TTM)3.09%
Revenue growth 3Y19.12%
Revenue growth 5Y10.57%
Sales Q2Q%46.1%

3.2 Future

WSFS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.26% yearly.
Based on estimates for the next years, WSFS will show a small growth in Revenue. The Revenue will grow by 2.48% on average per year.
EPS Next Y3.8%
EPS Next 2Y6.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.04%
Revenue Next 2Y2.48%
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.
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.
WSFS Yearly Revenue VS EstimatesWSFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
WSFS Yearly EPS VS EstimatesWSFS Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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3

4. Valuation

4.1 Price/Earnings Ratio

WSFS is valuated reasonably with a Price/Earnings ratio of 11.74.
The rest of the industry has a similar Price/Earnings ratio as WSFS.
The average S&P500 Price/Earnings ratio is at 28.79. WSFS is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 10.45 indicates a reasonable valuation of WSFS.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WSFS is on the same level as its industry peers.
WSFS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.38.
Industry RankSector Rank
PE 11.74
Fwd PE 10.45
WSFS Price Earnings VS Forward Price EarningsWSFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, WSFS is valued a bit more expensive than 61.31% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.57
EV/EBITDA N/A
WSFS Per share dataWSFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates WSFS does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.09
PEG (5Y)3.6
EPS Next 2Y6.26%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

WSFS has a Yearly Dividend Yield of 1.17%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.58, WSFS's dividend is way lower than its industry peers. On top of this 80.90% of the companies listed in the same industry pay a better dividend than WSFS!
With a Dividend Yield of 1.17, WSFS pays less dividend than the S&P500 average, which is at 2.51.
Industry RankSector Rank
Dividend Yield 1.17%

5.2 History

The dividend of WSFS has a limited annual growth rate of 2.07%.
WSFS has been paying a dividend for at least 10 years, so it has a reliable track record.
WSFS has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)2.07%
Div Incr Years10
Div Non Decr Years26
WSFS Yearly Dividends per shareWSFS Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

WSFS pays out 13.58% of its income as dividend. This is a sustainable payout ratio.
WSFS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP13.58%
EPS Next 2Y6.26%
EPS Next 3YN/A
WSFS Yearly Income VS Free CF VS DividendWSFS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
WSFS Dividend Payout.WSFS Dividend Payout, showing the Payout Ratio.WSFS Dividend Payout.PayoutRetained Earnings

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WSFS FINANCIAL CORP

NASDAQ:WSFS (4/25/2025, 8:00:01 PM)

After market: 51.66 0 (0%)

51.66

-0.49 (-0.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners93.18%
Inst Owner Change-0.33%
Ins Owners1.05%
Ins Owner Change3.3%
Market Cap3.00B
Analysts78.18
Price Target64.06 (24%)
Short Float %2.77%
Short Ratio4.33
Dividend
Industry RankSector Rank
Dividend Yield 1.17%
Yearly Dividend0.6
Dividend Growth(5Y)2.07%
DP13.58%
Div Incr Years10
Div Non Decr Years26
Ex-Date02-07 2025-02-07 (0.15)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.88%
Min EPS beat(2)0.12%
Max EPS beat(2)11.64%
EPS beat(4)4
Avg EPS beat(4)3.93%
Min EPS beat(4)0.12%
Max EPS beat(4)11.64%
EPS beat(8)7
Avg EPS beat(8)2.63%
EPS beat(12)8
Avg EPS beat(12)1.71%
EPS beat(16)12
Avg EPS beat(16)17.96%
Revenue beat(2)1
Avg Revenue beat(2)-0.64%
Min Revenue beat(2)-1.45%
Max Revenue beat(2)0.18%
Revenue beat(4)1
Avg Revenue beat(4)-0.9%
Min Revenue beat(4)-2.25%
Max Revenue beat(4)0.18%
Revenue beat(8)4
Avg Revenue beat(8)3.37%
Revenue beat(12)8
Avg Revenue beat(12)15.98%
Revenue beat(16)12
Avg Revenue beat(16)20.17%
PT rev (1m)-0.62%
PT rev (3m)4.23%
EPS NQ rev (1m)0.66%
EPS NQ rev (3m)8.07%
EPS NY rev (1m)-0.06%
EPS NY rev (3m)5.17%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)2.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.89%
Valuation
Industry RankSector Rank
PE 11.74
Fwd PE 10.45
P/S 2.86
P/FCF 14.57
P/OCF 13.63
P/B 1.16
P/tB 1.87
EV/EBITDA N/A
EPS(TTM)4.4
EY8.52%
EPS(NY)4.95
Fwd EY9.57%
FCF(TTM)3.55
FCFY6.86%
OCF(TTM)3.79
OCFY7.34%
SpS18.04
BVpS44.65
TBVpS27.61
PEG (NY)3.09
PEG (5Y)3.6
Profitability
Industry RankSector Rank
ROA 1.27%
ROE 10.18%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.2%
GM N/A
FCFM 19.65%
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 RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.62
Debt/EBITDA N/A
Cap/Depr 35.91%
Cap/Sales 1.36%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 77.99%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC14.9%
ROIC/WACCN/A
Cap/Depr(3y)23.25%
Cap/Depr(5y)24.59%
Cap/Sales(3y)0.98%
Cap/Sales(5y)1.02%
Profit Quality(3y)125.31%
Profit Quality(5y)85.33%
High Growth Momentum
Growth
EPS 1Y (TTM)-5.38%
EPS 3Y-7.97%
EPS 5Y3.26%
EPS Q2Q%1.8%
EPS Next Y3.8%
EPS Next 2Y6.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.09%
Revenue growth 3Y19.12%
Revenue growth 5Y10.57%
Sales Q2Q%46.1%
Revenue Next Year1.04%
Revenue Next 2Y2.48%
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-10.82%
FCF growth 3Y20%
FCF growth 5Y22.12%
OCF growth 1Y-7.22%
OCF growth 3Y20.53%
OCF growth 5Y19.59%