WSFS Financial (WSFS) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

WSFS Financial

NasdaqGS•Financial Services•Banks - Regional

$79.60-1.06(-0.01%)Pre-market

Market Cap

$4.12B

P/E

12.9x

P/S

3.0x

P/B

1.5x

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.

How this company scores

GoodMetricSide Score: 67/100

Strongest: Profitability (20/25); weakest: Growth (13/25).

Profitability20/25

Growth13/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality19/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.9x5y range 9.1x – 19.3x

Currently near its 20-quarter median.

P/S · 3.0x5y range 2.2x – 5.1x

Currently near its 20-quarter median.

P/B · 1.5x5y range 1.1x – 1.6x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Leverage Risk

Watch

Debt-to-equity has risen 100.1% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $4.12B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.37B
Q. Revenue: $346.80M
TTM EBITDA: $469.26M
TTM Op. Income: $423.71M
Q. Op. Income: $111.12M
TTM Net Income: $320.35M
Q. Net Income: $84.40M
EPS: $1.63
Shares Out.: $51.80M

$1.37B in TTM revenue declined 0.8% YoY, reaching $346.80M last quarter. TTM EBITDA of $469.26M and TTM operating income of $423.71M show growth is flowing through to the bottom line. TTM net income of $320.35M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 81.4%
EBITDA Margin: 34.5%
Op. Margin: 32.0%
Net Margin: 24.3%

Op. margin of 32.0% is up 4.0% YoY — cost efficiency is improving. Net margin at 24.3% and gross margin of 81.4% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 14% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.9x
P/S Ratio: 3.0x
P/B Ratio: 1.5x

At 12.9x P/E, the stock trades below typical market levels. P/S of 3.0x and P/B of 1.5x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $22.65B
Cash: $2.57B
Long-Term Debt: $288.18M
Book Value: $2.72B
D/E Ratio: 0.1
Debt/EBITDA: 2.4

With $22.65B in assets and $288.18M in long-term debt, D/E is 0.1and book value is $2.72B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has risen for 3 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-12.71M
TTM Free Cash Flow: $243.13M
FCF Margin: 17.7%
FCF / Net Income: 0.8

TTM FCF of $243.13M on $-12.71M in operating cash flow. The FCF / Net Income ratio of 0.8x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 152% — a weakening trend.