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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1602
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$3.0B
Rodger Levenson
WSFS Financial Corporation operates as the savings and loan holding company for Wilmington Savings Fund Society, FSB. WSFS Bank, Cash Connect, and Wealth Management provides various deposit products. The company also provides loans, which comprise fixed and adjustable rate residential loans. As of December 31, 2020, it operated 112 offices, including 52 in Pennsylvania, 42 in Delaware, 16 in New Jersey, 1 in Virginia, and 1 in Nevada.
Headcount
2.2K
HQ Base
Wilmington, Delaware
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = WSFS ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$WSFS WSFS FINANCIAL CORP | 53 | 35 | 66 | 64 | 12.9x | 9.8x | 10.2% | 1.3% | 0.0% | 35.7% | 27.0% | -2.6% | 1.2% | 660.0x | $3.0B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
WSFS FINANCIAL CORP (WSFS) receives a "Hold" rating with a composite score of 52.5/100. It ranks #1602 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Trading at a discount to fundamentals — favorable entry valuation
Average quality profile
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for WSFS.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 35 | 69 | -34DRAG |
| MOMENTUM | 64 | 71 | -7DRAG |
| VALUATION | 66 | 89 | -23DRAG |
| INVESTMENT | 33 | 50 | -17DRAG |
| STABILITY | 50 | 49 | +1NEUTRAL |
| SHORT INT | 55 | 66 | -11DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy 10.2% (sector 9.0%)
GM 0% vs sector 78%, OM 36% vs sector 18%
Capital turnover N/A
Rev growth -3%, 10yr history
Interest coverage 1.4x, Net debt/EBITDA -13.0x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate WSFS FINANCIAL CORP (WSFS) as a Hold with a composite score of 52.5/100 at a current price of $65.51. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
WSFS FINANCIAL CORP holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 52.5/100 places it at rank #1602 in our full universe.
The near-term outlook is constructive, with revenue growing at -3% and momentum in the 64th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
High
Poor
Undervalued
Value factor score of 66 suggests attractive pricing.
Stable competitive position in a defensive sector.
Leverage of 660% D/E amplifies downside risk.
Vulnerability to macroeconomic shocks and interest rate volatility.
WSFS FINANCIAL CORP represents a hold based on multi-factor quantitative performance.
Our model assigns WSFS FINANCIAL CORP a Hold rating, with a composite score of 52.5/100 and 3 out of 5 stars. Ranked #1602 of 7,333 stocks, WSFS presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
WSFS's quality score of 35/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 10.2% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 27.0% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
WSFS's value score of 66/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 12.95x, an EV/EBITDA of 9.80x, a P/B ratio of 1.32x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
WSFS FINANCIAL CORP's investment score of 33/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of -2.6% vs. a sector average of 10.7% and a return on assets of 1.3% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
WSFS demonstrates moderate momentum with a score of 64/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at -2.6% year-over-year, while a beta of 0.89 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
With a stability score of 50/100, WSFS exhibits average financial resilience. Key stability metrics include a beta of 0.89 and a debt-to-equity ratio of 660.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
The short interest score of 55/100 for WSFS suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 660.00x). With a $3.0B market cap (mid-cap), WSFS FINANCIAL CORP may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
WSFS offers a modest dividend yield of 1.2%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
WSFS FINANCIAL CORP is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1602 of 7,333 overall (78th percentile). Key comparisons include ROE of 10.2% exceeding the 9.0% sector median and operating margins of 35.7% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While WSFS currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
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Investment (33) is the limiting factor — improvement here would lift the composite score most.
EV/EBITDA 26% ABOVE SECTOR MEDIAN
ROE 13% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Zacks Savings and Loan industry players like PFS, RVSB and WSFS are poised to tide through a potential recession and waning loan demand on digital ramp-ups and inorganic efforts.
WILMINGTON, Del., February 05, 2026--WSFS Financial Corporation (Nasdaq: WSFS), the parent company of WSFS Bank, will participate at the 2026 KBW Winter Financial Services Conference on February 12-13, 2026, in Boca Raton, Florida. Rodger Levenson, WSFS’ Chairman, President and Chief Executive Officer, David Burg, Executive Vice President, Chief Financial Officer, and Arthur J. Bacci, Executive Vice President, Chief Operating Officer will host discussions with investors.
WSFS (WSFS) appears to have found support after losing some value lately, as indicated by the formation of a hammer chart. In addition to this technical chart pattern, strong agreement among Wall Street analysts in revising earnings estimates higher enhances the stock's potential for a turnaround in the near term.
Although the revenue and EPS for WSFS (WSFS) give a sense of how its business performed in the quarter ended March 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
WSFS (WSFS) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.