WSFS Financial Corporation (WSFS)
Fair ValueFundamental
73
Price
$79.02
Market Cap
$3.92B
Part 1 · What the company is worth
Overview
WSFS Financial Corporation operates as the savings and loan holding company for the Wilmington Savings Fund Society, FSB that provides various banking services in the United States. It operates through WSFS Bank, Cash Connect, and Wealth and Trust segments. The company offers deposit products, including noninterest-bearing demand deposits, money market, and interest-bearing demand deposits, as well as certificates of deposit and jumbo certificates of deposit. It also provides loans, such as commercial and industrial loans, commercial mortgage loans, and construction and land development loans, as well as residential and consumer loans comprising residential mortgage, equity secured lines and loans, installment loans, unsecured lines of credit, originated education loans, and previously acquired education loans. In addition, the company offers ATM vault cash, smart safe and cash logistics services, planning and advisory services, investment management, and personal and institutional trust services. WSFS Financial Corporation was founded in 1832 and is headquartered in Wilmington, Delaware.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$1.10B
Trailing 12 months (through 6/30/2026)
Net Income
$320M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$214M
Total Equity
$2.74B
Total Liabilities
$18.59B
Current Ratio
-
Interest Coverage
0.57
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$66.81
Current Price
$79.02
Margin of Safety
-18.3%
Fair Value Range
$43.43 - $90.20
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
13.24
ROE
10.5%
P/B Ratio
1.48
P/FCF
16.61
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
10.0%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (17)
- EPS shows upward trend
- Price CAGR 5.21%
- P/FCF 16.61
- P/B ratio 1.48
- Operating margin 38.5%
- Positive free cash flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 11.7%
- Revenue growth 5Y 22.5%
- Earnings surprise, average 11.7%
- PEG ratio 0.69
- Earnings quality (operating cash flow / net income) 0.77
- Share dilution -5.6%
- Net margin trend 29.1% vs 25.3%
- Piotroski F-Score 5/9
Failed (4)
- Debt/equity ratio
- Interest coverage
- Return on tangible assets
- DCF valuation (Overvalued)
Unavailable (5)
- ROIC –
- Gross margin –
- Dividend payout –
- Current ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
Moderate: some gap between profits and cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Rodger Levenson | Chairman, President & CEO | 64 |
| Mr. David Burg | Executive VP & CFO | 51 |
| Mr. Arthur J. Bacci | Executive VP & COO | 63 |
| Ms. Lisa M. Brubaker | Executive VP & Chief Human Resources Officer | 61 |
| Ms. Shari A. Kruzinski | Executive VP & Chief Consumer Banking Officer | 55 |
| Mr. Charles K. Mosher CPA | Senior VP & Chief Accounting Officer | - |
| Ms. Shilpa Kumar | Senior VP & Head of Corporate Finance | - |
| Mr. Allan Matyger | Executive VP & Chief Information Officer | 46 |
| Ms. Lisa Washington | Senior VP, Secretary & Chief Legal Officer | 57 |
| Ms. Lynn Hobson | Senior VP & Chief Marketing Officer | - |
Audit Risk
4
Board Risk
4
Compensation Risk
1
Shareholder Rights Risk
7
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-03-02
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-05
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-10-22
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much WSFS moves, measured on its daily prices.
More volatile than 2% of the tracked stocks (90-day volatility).
- Volatility 30d
- 17.3%
- Volatility 90d
- 17.3%
- Beta vs S&P 500 (1y)
- 0.38Correlation 0.23
- Max drawdown (12m)
- -11.7%
- ATR (14d, % of price)
- 1.81%
Earnings reactions
How WSFS moved around its past quarterly results.
Next earnings release
No upcoming release on the calendar.
What usually happens
- Over the last 12 releases the stock moved a median of 1.4% the next day, up or down.
- Next-day moves: up 7, down 5 (out of 12).
- Of the 4 releases that beat estimates, the stock fell the next day after 0.
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Oct 22, 2026 | After the close | 1.62 | 1.75 | +8.0% | 0.0% | +1.9% | n/a |
| Jul 23, 2026 | After the close | 1.53 | 1.66 | +8.5% | +2.6% | +1.1% | +1.1% |
| Apr 23, 2026 | After the close | 1.50 | 1.68 | +12.2% | -1.3% | +1.8% | +2.6% |
| Jan 26, 2026 | After the close | 1.26 | 1.50 | +19.4% | +1.2% | +6.5% | +14.6% |
| Jul 24, 2025 | After the close | n/a | n/a | n/a | +1.8% | -0.4% | -3.1% |
| Apr 24, 2025 | After the close | n/a | n/a | n/a | -6.7% | -0.9% | -0.3% |
| Jan 27, 2025 | After the close | n/a | n/a | n/a | -2.0% | +1.3% | +1.3% |
| Oct 24, 2024 | After the close | n/a | n/a | n/a | +1.6% | -3.2% | -3.1% |
| Jul 25, 2024 | After the close | n/a | n/a | n/a | +1.8% | -0.4% | -5.1% |
| Apr 25, 2024 | After the close | n/a | n/a | n/a | -1.4% | -3.8% | +0.8% |
| Jan 25, 2024 | After the close | n/a | n/a | n/a | -1.6% | +1.4% | -5.0% |
| Oct 23, 2023 | After the close | n/a | n/a | n/a | +2.4% | +0.4% | +2.3% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on WSFS and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for WSFS.