📊 WSFS Key Takeaways
Is Wsfs Financial Corp. (WSFS) a Good Investment?
WSFS demonstrates strong revenue growth (+40.4% YoY) and excellent operational margins (45.9%), but critically low returns on equity (3.2%) and flat net income growth despite revenue expansion signal capital allocation challenges or integration headwinds from recent expansion. While the balance sheet is fortress-like with minimal debt and strong free cash flow, the gap between topline growth and earnings growth requires investigation.
Wsfs Financial Corp. Key Strengths (WSFS)
- Strong revenue growth of 40.4% YoY indicates successful market expansion or acquisitions
- Excellent operating margin (45.9%) and net margin (34.8%) demonstrate operational efficiency and cost control
- Fortress balance sheet with minimal debt (0.01x D/E ratio) and robust free cash flow generation ($85.5M, 34.3% FCF margin)
WSFS Stock Risks: Wsfs Financial Corp. Investment Risks
- Critically low returns on equity (3.2%) and ROA (0.4%) for a financial institution - well below industry norms of 8-12% ROE
- Net income growth of 0% YoY despite 40% revenue growth indicates significant margin compression or integration costs obscuring profitability
- Interest coverage ratio of 0.6x and elevated insider activity (25 Form 4 filings) suggest potential capital management concerns
Key Metrics to Watch
- Return on Equity and ROA trends - must improve to above 8% ROE to justify capital deployment
- Net income growth trajectory and margin sustainability relative to revenue growth
- Net loan growth, non-performing loan ratio, and loan loss provisions - critical asset quality indicators for banks
Wsfs Financial Corp. (WSFS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 34.3% 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 grade of B with 68% confidence, based on fundamental analysis of SEC EDGAR filings.
What are WSFS's key strengths?
Claude: Strong revenue growth of 40.4% YoY indicates successful market expansion or acquisitions. Excellent operating margin (45.9%) and net margin (34.8%) demonstrate operational efficiency and cost control.
What are the risks of investing in WSFS?
Claude: Critically low returns on equity (3.2%) and ROA (0.4%) for a financial institution - well below industry norms of 8-12% ROE. Net income growth of 0% YoY despite 40% revenue growth indicates significant margin compression or integration costs obscuring profitability.
What is WSFS's revenue and growth?
Wsfs Financial Corp. reported revenue of $249.2M.
Does WSFS pay dividends?
Wsfs Financial Corp. pays dividends, with $9.0M 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 $1.64.
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 grade reflects both perspectives for balanced insights.
What is WSFS's fundamental grade?
Based on our AI fundamental analysis in June 2026, Wsfs Financial Corp. has a B grade with 68% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is WSFS stock overvalued or undervalued?
Valuation metrics for WSFS: ROE of 3.2% (sector avg: 12%), net margin of 34.8% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is WSFS's AI grade for 2026?
Our dual AI analysis gives Wsfs Financial Corp. a combined B grade 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 $86.4M, with capital expenditures of $885.0K. FCF margin is 34.3%.
How does WSFS compare to other Finance stocks?
Vs Finance sector averages: Net margin 34.8% (avg: 25%), ROE 3.2% (avg: 12%), current ratio N/A (avg: 1.2).