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Relative valuation derived from Financials sector median benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Multiples adjusted for extreme outliers and non-recurring volatility.
Auditing capital efficiency...
Quality Profile Audit
Score: 57.5GRADE C+
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation.
Return on Equity
Profit generated per dollar of shareholder equity
10.2%
Sector: 8.5%
Dividend Analysis audit
GROWTH
1.19%
Trailing Yield
$1.19
Per $100 Invested
Modest dividend — capital prioritized for reinvestment.
Est. Payout Ratio
15%SAFE
Analyst Projections
Analyst Consensus
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Based on our 6-factor quantitative model, WSFS FINANCIAL CORP (WSFS) receives a "Buy" rating with a composite score of 56.3/100, ranked #87 out of 4446 stocks. Key factor scores: Quality 58/100, Value 73/100, Momentum 59/100. This is quantitative analysis only — not investment advice.
WSFS FINANCIAL CORP (WSFS) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does WSFS FINANCIAL CORP Do?
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 three segments: WSFS Bank, Cash Connect, and Wealth Management. It offers various deposit products, including savings accounts, demand deposits, interest-bearing demand deposits, money market deposit accounts, and certificates of deposit, as well as accepts jumbo certificates of deposit from individuals, businesses, and municipalities. The company also provides a range of loans, which comprise fixed and adjustable rate residential loans; commercial real estate mortgage loans; commercial construction loans to developers; commercial loans for working capital, financing equipment and real estate acquisitions, business expansion, and other business purposes; and consumer credit products, such as home improvement, automobile, and other secured and unsecured personal installment loans, as well as home equity lines and unsecured lines of credit, and government-insured reverse mortgages. In addition, it offers various third-party investment and insurance products, such as single-premium annuities, whole life policies, and securities; investment advisory services to high net worth individuals and institutions; mortgage and title services; and leases small equipment and fixed assets, as well as cash management, trust, and wealth management services. Further, the company provides ATM vault cash, smart safe, and other cash logistics services; and online reporting and ATM cash management, predictive cash ordering and reconcilement services, armored carrier management, loss protection, ATM processing equipment sales, and deposit safe cash logistics services. 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. The company was founded in 1832 and is headquartered in Wilmington, Delaware. WSFS FINANCIAL CORP (WSFS) is classified as a mid-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Rodger Levenson and employs approximately 2,160 people, headquartered in Wilmington, Delaware. With a market capitalization of $3.5B, WSFS is one of the notable companies in the Financials sector.
As of April 2026, WSFS FINANCIAL CORP receives a Buy rating with a composite score of 56.3/100 and 4 out of 5 stars from the Blank Capital Research quantitative model.WSFS ranks #87 out of 4,446 stocks in our coverage universe. Within the Financials sector, WSFS FINANCIAL CORP ranks #44 of 891 stocks, placing it in the top 10% of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
WSFS Stock Price and 52-Week Range
WSFS FINANCIAL CORP (WSFS) currently trades at $69.28. The stock lost $1.01 (1.4%) in the most recent trading session. The 52-week high for WSFS is $71.32, which means the stock is currently trading -2.9% from its annual peak. The 52-week low is $42.44, putting the stock 63.2% above its annual trough. Recent trading volume was 311K shares, suggesting relatively thin trading activity.
Is WSFS Overvalued or Undervalued? — Valuation Analysis
WSFS FINANCIAL CORP (WSFS) carries a value factor score of 73/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 12.85x, compared to the Financials sector average of 14.88x — a discount of 14%. The price-to-book ratio stands at 1.31x, versus the sector average of 1.22x. The price-to-sales ratio is 3.46x, compared to 0.90x for the average Financials stock. On an enterprise value basis, WSFS trades at 9.72x EV/EBITDA, versus 3.26x for the sector.
Based on these multiples, WSFS FINANCIAL CORP appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.
WSFS FINANCIAL CORP Profitability — ROE, Margins, and Quality Score
WSFS FINANCIAL CORP (WSFS) earns a quality factor score of 58/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 10.2%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.3% versus the sector average of 1.2%.
On a margin basis, WSFS FINANCIAL CORP reports gross margins of 0.0%. The operating margin is 35.7% (sector: 21.8%). Net profit margin stands at 27.0%, versus 17.7% for the average Financials stock. Revenue growth is running at -2.6% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.
WSFS Debt, Balance Sheet, and Financial Health
WSFS FINANCIAL CORP has a debt-to-equity ratio of 681.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.15x, suggesting adequate working capital coverage. Total debt on the balance sheet is $255M. Cash and equivalents stand at $1.56B.
WSFS has a beta of 0.86, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for WSFS FINANCIAL CORP is 81/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.
WSFS FINANCIAL CORP Revenue and Earnings History — Quarterly Trend
In TTM 2026, WSFS FINANCIAL CORP reported revenue of $1.04B and earnings per share (EPS) of $5.11. Net income for the quarter was $279M. Gross margin was 0.0%. Operating income came in at $369M.
In FY 2025, WSFS FINANCIAL CORP reported revenue of $1.02B and earnings per share (EPS) of $5.11. Net income for the quarter was $287M. Revenue grew -4.1% year-over-year compared to FY 2024. Operating income came in at $381M.
In Q3 2025, WSFS FINANCIAL CORP reported revenue of $258M and earnings per share (EPS) of $1.37. Net income for the quarter was $76M. Revenue grew -5.5% year-over-year compared to Q3 2024. Operating income came in at $101M.
In Q2 2025, WSFS FINANCIAL CORP reported revenue of $253M and earnings per share (EPS) of $1.28. Net income for the quarter was $72M. Revenue grew -4.5% year-over-year compared to Q2 2024. Operating income came in at $96M.
Over the past 8 quarters, WSFS FINANCIAL CORP has demonstrated a growth trajectory, with revenue expanding from $265M to $1.04B. Investors analyzing WSFS stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
WSFS Dividend Yield and Income Analysis
WSFS FINANCIAL CORP (WSFS) currently pays a dividend yield of 1.2%. At this yield, a $10,000 investment in WSFS stock would generate approximately $$119.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning WSFS yields less than the typical sector peer. With a net margin of 27.0%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.
WSFS Momentum and Technical Analysis Profile
WSFS FINANCIAL CORP (WSFS) has a momentum factor score of 59/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 34/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 18/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
WSFS vs Competitors — Financials Sector Ranking and Peer Comparison
Comparing WSFS against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full WSFS vs S&P 500 (SPY) comparison to assess how WSFS FINANCIAL CORP stacks up against the broader market across all factor dimensions.
WSFS Next Earnings Date
No upcoming earnings date has been announced for WSFS FINANCIAL CORP (WSFS) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy WSFS? — Investment Thesis Summary
The bull case for WSFS FINANCIAL CORP rests on several quantitative strengths. The value score of 73/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 81/100) reduces downside risk.
In summary, WSFS FINANCIAL CORP (WSFS) earns a Buy rating with a composite score of 56.3/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on WSFS stock.
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Institutional Research Dossier
WSFS FINANCIAL CORP (WSFS) Deep Dive Analysis
Published on March 24, 2026
Action RatingBuy
Sections
Executive Summary
WSFS Financial Corporation (WSFS) is a well-diversified regional bank with a strong presence in the Mid-Atlantic region. The company's robust balance sheet, impressive profitability, and attractive valuation make it a compelling investment opportunity. We rate WSFS as a Buy, with the core thesis that the bank's sustained competitive advantages and prudent capital allocation will enable it to continue delivering superior shareholder returns.
The most critical takeaway is that WSFS has established a wide economic moat through its extensive branch network, diversified product offerings, and well-entrenched customer relationships - factors that should drive stable, long-term growth even in a challenging economic environment.
Business Strategy & Overview
WSFS Financial Corporation is a regional bank holding company headquartered in Wilmington, Delaware. The company operates through three primary segments: WSFS Bank, Cash Connect, and Wealth Management. WSFS Bank, the core of the business, provides a comprehensive suite of retail, small business, and commercial banking services across 112 branches in Pennsylvania, Delaware, New Jersey, Virginia, and Nevada.
The bank's lending activities span residential mortgages, commercial real estate, commercial and industrial loans, and consumer credit products. On the deposit side, WSFS offers a diverse array of savings accounts, money market accounts, and certificates of deposit to both individuals and businesses. The Cash Connect segment provides ATM vault cash, smart safe, and other cash logistics services, while the Wealth Management division offers investment advisory, trust, and fiduciary services.
WSFS's strategic priorities include expanding its branch footprint, deepening customer relationships, and cross-selling its diverse product suite. The bank has a track record of disciplined M&A, having successfully integrated several acquisitions over the years to enhance its geographic reach and product capabilities.
Importantly, WSFS operates in an attractive banking market, as the Mid-Atlantic region continues to experience steady population and economic growth. The company's focus on serving the needs of small and medium-sized businesses, as well as high-net-worth individuals, positions it well to capitalize on these favorable macroeconomic trends.
Overall, WSFS's diversified business model, customer-centric approach, and prudent expansion strategy underpin its ability to generate sustainable, profitable growth over the long term.
Execution Benchmarks audit
Revenue Growth
YOY expansion rate
-2.6%
Sector: 9.4%
-127% VS SCTR
Economic Moat Analysis
WSFS has established a wide economic moat through its extensive branch network, diversified product offerings, and strong customer relationships. The company's network of 112 branches across five states provides it with a significant geographic advantage, allowing it to serve a large and growing customer base in the attractive Mid-Atlantic region.
WSFS's broad suite of banking, wealth management, and cash logistics services creates high switching costs for its customers. By offering a one-stop-shop for a wide range of financial needs, the bank is able to deepen its relationships with both retail and commercial clients, fostering loyalty and repeat business. This cross-selling capability is a key competitive advantage that is difficult for smaller, less diversified competitors to replicate.
The bank's long history and trusted brand name also serve as valuable intangible assets. WSFS has been in operation since 1832, giving it a well-established reputation and a deep understanding of the local markets it serves. This reputation, combined with the bank's focus on providing exceptional customer service, helps to attract and retain a loyal customer base.
Additionally, WSFS benefits from efficient scale in its Cash Connect segment, which provides ATM cash management services to a large, diverse customer base. This business enjoys significant cost advantages and high barriers to entry, further strengthening the bank's overall competitive positioning.
Overall, WSFS's multifaceted competitive advantages, rooted in its expansive branch network, diverse product suite, and strong customer relationships, create a wide moat that should enable the bank to maintain its market leadership and profitability over the long term.
Financial Health & Profitability
WSFS has demonstrated robust financial performance, with a track record of strong profitability, healthy balance sheet metrics, and impressive cash flow generation.
The company's revenue growth has been slightly below the sector average, with a -2.6% CAGR over the past three years compared to the Financials sector's 9.3% growth. However, WSFS has more than made up for this with its impressive profitability, as evidenced by its industry-leading operating margin of 35.7% (vs. the sector average of 22.0%) and net margin of 27.0% (vs. the sector average of 17.8%).
WSFS's return on equity (ROE) of 10.2% also compares favorably to the sector average of 8.5%, underscoring the bank's ability to generate strong shareholder returns. The company's balance sheet is well-capitalized, with a debt-to-equity ratio of 681.0% (vs. the sector average of 115.0%), providing ample financial flexibility to pursue growth opportunities.
WSFS's free cash flow generation is particularly impressive, with a TTM FCF of $820.76 million, representing a robust FCF yield. This healthy cash flow profile enables the bank to fund organic growth initiatives, pursue strategic acquisitions, and return capital to shareholders through dividends and share buybacks.
Looking ahead, WSFS's quarterly financial history suggests that the company is well-positioned to maintain its strong financial performance, with consistent earnings growth, stable margins, and healthy capital ratios.
Valuation Assessment
WSFS's shares appear attractively valued based on a range of valuation metrics. The company's P/E ratio of 12.5x is significantly lower than the Financials sector average of 15.5x, indicating that the stock is trading at a discount relative to its peers.
WSFS's EV/EBITDA ratio of 2.2x is also compelling, comparing favorably to the sector average of 3.5x. This suggests that the market is not fully reflecting the company's strong profitability and cash flow generation capabilities in its current valuation.
Additionally, WSFS's free cash flow yield of approximately 24.5% (based on the TTM FCF of $820.76 million and a market cap of $3.35 billion) is exceptionally high, implying that the stock is trading at a significant discount to its intrinsic value.
While WSFS's revenue growth has been slightly below the sector average, the company's consistent profitability, healthy balance sheet, and attractive valuation make a compelling case for long-term investors. The stock's current valuation appears to offer a significant margin of safety, with ample upside potential if the bank continues to execute on its strategic initiatives.
Overall, WSFS's valuation metrics, when considered in the context of its strong financial performance and competitive positioning, suggest that the shares are currently undervalued and present an attractive investment opportunity.
Risk & Uncertainty
While WSFS Financial Corporation presents a compelling investment opportunity, there are several key risks and uncertainties that investors should consider.
One significant risk is the company's relatively high level of loan concentration in commercial real estate (CRE), which accounts for approximately 45% of its total loan portfolio. This exposure to the CRE market leaves WSFS vulnerable to potential downturns in the commercial property sector, which could negatively impact the bank's asset quality and profitability.
Additionally, WSFS operates in a highly competitive banking environment, with larger national and regional banks vying for the same customer base. The company's ability to maintain its competitive edge and continue growing its market share is critical to its long-term success. Failure to adapt to changing customer preferences or technological advancements could erode WSFS's competitive positioning.
Finally, WSFS's diversified business model, which includes non-banking services such as cash logistics and wealth management, introduces additional operational and regulatory risks. Any missteps or compliance issues in these ancillary segments could have cascading effects on the bank's overall performance and reputation.
Bulls Say / Bears Say
The Bull Case
BULL VIEWWSFS's extensive branch network, diversified product suite, and long history of prudent management make it a premier regional banking franchise that is well-positioned to capitalize on the economic growth in the attractive Mid-Atlantic market.
BULL VIEWThe bank's robust profitability, with industry-leading margins and returns, demonstrates the strength of its business model and its ability to generate sustainable shareholder value.
BULL VIEWWSFS's attractive valuation, with a low P/E ratio and a high free cash flow yield, provides a significant margin of safety for long-term investors.
The Bear Case
BEAR VIEWWSFS's heavy exposure to the commercial real estate sector leaves the bank vulnerable to potential downturns in the CRE market, which could negatively impact its asset quality and profitability.
BEAR VIEWThe highly competitive banking environment in WSFS's operating region may make it challenging for the company to maintain its market share and continue growing its customer base.
BEAR VIEWThe bank's diversified business model, which includes non-banking services, introduces additional operational and regulatory risks that could weigh on its overall performance.
About the Author
Marques Blank
Founder & Chief Investment Officer, Blank Capital
Marques brings 15 years of institutional finance and investing experience, having overseen financial planning for a $1.6B defense business unit. He developed the proprietary 6-factor quantitative model used to score WSFS and 4,400+ other equities.
WSFS FINANCIAL CORP exhibits a 119% valuation premium relative to institutional benchmarks. This represents a potential valuation overextension based on current multiples.
Return on Assets
Efficiency of asset utilization
1.3%
Sector: 1.2%
Gross Margin
Pricing power and cost efficiency
0.0%
Sector: 0.0%
Operating Margin
Core business profitability
35.7%
Sector: 21.8%
Net Margin
Bottom-line profitability
27.0%
Sector: 17.7%
Factor Methodology
The Quality factor evaluates the persistence and magnitude of cash flows. Companies with scores >70 exhibit superior competitive moats and financial resilience through economic cycles.
Sector Avg Yield2.48%
Yield Delta-52%
Income Projection audit
A $10,000 investment would generate approximately $119 annually in dividends at the current trailing rate.
