📊 WSFS Key Takeaways
Is Wsfs Financial Corp. (WSFS) a Good Investment?
WSFS demonstrates strong balance sheet fundamentals with minimal leverage (0.01x Debt/Equity) and robust free cash flow generation ($213.6M), but the disconnect between 40.4% revenue growth and 0% net income growth signals concerning margin compression or rising operational expenses. This earnings quality deterioration in a banking context warrants close monitoring of credit provisions and operational efficiency before upgrading positioning.
Why Buy Wsfs Financial Corp. Stock? WSFS Key Strengths
- Exceptional revenue growth of 40.4% YoY demonstrates strong market expansion and business momentum
- Fortress balance sheet with 0.01x Debt/Equity ratio and minimal $22M long-term debt provides substantial financial flexibility
- Strong free cash flow generation of $213.6M (20.9% FCF margin) supports capital allocation and operational sustainability
WSFS Stock Risks: Wsfs Financial Corp. Investment Risks
- Net income flat at 0% YoY growth despite 40.4% revenue expansion indicates severe margin compression or expense growth outpacing revenues
- Interest coverage of 2.1x provides inadequate cushion for debt servicing in adverse conditions
- Low return on assets (1.3%) and ROE (10.5%) suggest operational efficiency challenges and asset productivity issues for a financial institution
Key Metrics to Watch
- Net interest margin and operating expense ratio trends to diagnose revenue-income disconnect
- Non-performing loan ratio and loan loss provisions indicating credit quality deterioration
- Return on equity trajectory and tier-1 capital ratios as banking regulatory health indicators
Wsfs Financial Corp. (WSFS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 20.9% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
WSFS Profit Margin, ROE & Profitability Analysis
WSFS vs Finance Sector: How Wsfs Financial Corp. Compares
How Wsfs Financial Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Wsfs Financial Corp. Stock Overvalued? WSFS Valuation Analysis 2026
Based on fundamental analysis, Wsfs Financial Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Wsfs Financial Corp. Balance Sheet: WSFS Debt, Cash & Liquidity
WSFS Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Wsfs Financial Corp.'s revenue has grown significantly by 112% over the 5-year period, indicating strong business expansion. The most recent EPS of $4.40 reflects profitable operations.
WSFS Revenue Growth, EPS Growth & YoY Performance
WSFS Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2023 | $250.7M | $31.0M | $0.94 |
| Q1 2023 | $204.7M | $3.8M | $0.06 |
| Q3 2022 | $152.1M | $28.7M | $1.14 |
| Q2 2022 | $161.9M | $60.7M | $0.94 |
| Q1 2022 | $169.1M | $3.8M | $0.06 |
| Q3 2021 | $152.1M | $28.7M | $1.01 |
| Q2 2021 | $161.9M | $2.8M | $0.07 |
| Q1 2021 | $169.1M | -$4.6M | $0.21 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Wsfs Financial Corp. Dividends, Buybacks & Capital Allocation
WSFS SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Wsfs Financial Corp. (CIK: 0000828944)
📋 Recent SEC Filings
❓ Frequently Asked Questions about WSFS
What is the AI rating for WSFS?
Wsfs Financial Corp. (WSFS) has an AI rating of HOLD with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are WSFS's key strengths?
Claude: Exceptional revenue growth of 40.4% YoY demonstrates strong market expansion and business momentum. Fortress balance sheet with 0.01x Debt/Equity ratio and minimal $22M long-term debt provides substantial financial flexibility.
What are the risks of investing in WSFS?
Claude: Net income flat at 0% YoY growth despite 40.4% revenue expansion indicates severe margin compression or expense growth outpacing revenues. Interest coverage of 2.1x provides inadequate cushion for debt servicing in adverse conditions.
What is WSFS's revenue and growth?
Wsfs Financial Corp. reported revenue of $1.0B.
Does WSFS pay dividends?
Wsfs Financial Corp. pays dividends, with $37.2M distributed to shareholders in the trailing twelve months.
Where can I find WSFS SEC filings?
Official SEC filings for Wsfs Financial Corp. (CIK: 0000828944) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is WSFS's EPS?
Wsfs Financial Corp. has a diluted EPS of $5.09.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is WSFS a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Wsfs Financial Corp. has a HOLD rating with 72% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is WSFS stock overvalued or undervalued?
Valuation metrics for WSFS: ROE of 10.5% (sector avg: 12%), net margin of 28.2% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy WSFS stock in 2026?
Our dual AI analysis gives Wsfs Financial Corp. a combined HOLD rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is WSFS's free cash flow?
Wsfs Financial Corp.'s operating cash flow is $220.0M, with capital expenditures of $6.4M. FCF margin is 20.9%.
How does WSFS compare to other Finance stocks?
Vs Finance sector averages: Net margin 28.2% (avg: 25%), ROE 10.5% (avg: 12%), current ratio N/A (avg: 1.2).