Banks - Regional
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WSFS vs TRMK
Revenue, margins, valuation, and 5-year total return — side by side.
Banks - Regional
WSFS vs TRMK — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $3.79B | $2.64B |
| Revenue (TTM) | $1.36B | $1.12B |
| Net Income (TTM) | $287M | $224M |
| Gross Margin | 74.7% | 71.0% |
| Operating Margin | 28.0% | 25.5% |
| Forward P/E | 11.8x | 11.5x |
| Total Debt | $303M | $1.12B |
| Cash & Equiv. | $1.33B | $668M |
WSFS vs TRMK — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| WSFS Financial Corp… (WSFS) | 100 | 259.7 | +159.7% |
| Trustmark Corporati… (TRMK) | 100 | 188.1 | +88.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: WSFS vs TRMK
Each card shows where this stock fits in a portfolio — not just who wins on paper.
WSFS is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 1 yrs, beta 0.89, yield 1.0%
- 129.8% 10Y total return vs TRMK's 127.7%
- Lower volatility, beta 0.89, Low D/E 11.1%, current ratio 0.08x
TRMK carries the broadest edge in this set and is the clearest fit for growth exposure and defensive.
- Rev growth 34.8%, EPS growth 1.9%
- Beta 0.94, yield 2.2%, current ratio 0.73x
- NIM 3.4% vs WSFS's 3.4%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 34.8% NII/revenue growth vs WSFS's -3.1% | |
| Value | Lower P/E (11.5x vs 11.8x) | |
| Quality / Margins | Efficiency ratio 0.5% vs WSFS's 0.5% (lower = leaner) | |
| Stability / Safety | Beta 0.89 vs TRMK's 0.94, lower leverage | |
| Dividends | 2.2% yield, 1-year raise streak, vs WSFS's 1.0% | |
| Momentum (1Y) | +36.7% vs TRMK's +31.7% | |
| Efficiency (ROA) | Efficiency ratio 0.5% vs WSFS's 0.5% |
WSFS vs TRMK — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
WSFS vs TRMK — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
WSFS leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
WSFS and TRMK operate at a comparable scale, with $1.4B and $1.1B in trailing revenue. Profitability is closely matched — net margins range from 21.1% (WSFS) to 20.0% (TRMK).
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $1.4B | $1.1B |
| EBITDAEarnings before interest/tax | $408M | $323M |
| Net IncomeAfter-tax profit | $287M | $224M |
| Free Cash FlowCash after capex | $214M | $230M |
| Gross MarginGross profit ÷ Revenue | +74.7% | +71.0% |
| Operating MarginEBIT ÷ Revenue | +28.0% | +25.5% |
| Net MarginNet income ÷ Revenue | +21.1% | +20.0% |
| FCF MarginFCF ÷ Revenue | +15.7% | +20.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +22.9% | +5.4% |
Valuation Metrics
TRMK leads this category, winning 5 of 7 comparable metrics.
Valuation Metrics
At 12.1x trailing earnings, TRMK trades at a 14% valuation discount to WSFS's 14.1x P/E. Adjusting for growth (PEG ratio), WSFS offers better value at 0.81x vs TRMK's 1.50x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | ||
|---|---|---|
| Market CapShares × price | $3.8B | $2.6B |
| Enterprise ValueMkt cap + debt − cash | $2.8B | $3.1B |
| Trailing P/EPrice ÷ TTM EPS | 14.12x | 12.10x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.76x | 11.46x |
| PEG RatioP/E ÷ EPS growth rate | 0.81x | 1.50x |
| EV / EBITDAEnterprise value multiple | 6.78x | 9.47x |
| Price / SalesMarket cap ÷ Revenue | 2.79x | 2.35x |
| Price / BookPrice ÷ Book value/share | 1.44x | 1.28x |
| Price / FCFMarket cap ÷ FCF | 17.74x | 11.36x |
Profitability & Efficiency
WSFS leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
TRMK delivers a 10.8% return on equity — every $100 of shareholder capital generates $11 in annual profit, vs $11 for WSFS. WSFS carries lower financial leverage with a 0.11x debt-to-equity ratio, signaling a more conservative balance sheet compared to TRMK's 0.53x. On the Piotroski fundamental quality scale (0–9), TRMK scores 7/9 vs WSFS's 6/9, reflecting strong financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +10.6% | +10.8% |
| ROA (TTM)Return on assets | +1.4% | +1.2% |
| ROICReturn on invested capital | +9.5% | +7.1% |
| ROCEReturn on capital employed | +10.3% | +3.2% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 0.11x | 0.53x |
| Net DebtTotal debt minus cash | -$1.0B | $448M |
| Cash & Equiv.Liquid assets | $1.3B | $668M |
| Total DebtShort + long-term debt | $303M | $1.1B |
| Interest CoverageEBIT ÷ Interest expense | 1.30x | 0.75x |
Total Returns (Dividends Reinvested)
WSFS leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in TRMK five years ago would be worth $14,841 today (with dividends reinvested), compared to $14,524 for WSFS. Over the past 12 months, WSFS leads with a +36.7% total return vs TRMK's +31.7%. The 3-year compound annual growth rate (CAGR) favors WSFS at 31.5% vs TRMK's 28.2% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +30.8% | +15.1% |
| 1-Year ReturnPast 12 months | +36.7% | +31.7% |
| 3-Year ReturnCumulative with dividends | +127.3% | +110.9% |
| 5-Year ReturnCumulative with dividends | +45.2% | +48.4% |
| 10-Year ReturnCumulative with dividends | +129.8% | +127.7% |
| CAGR (3Y)Annualised 3-year return | +31.5% | +28.2% |
Risk & Volatility
WSFS leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
WSFS is the less volatile stock with a 0.89 beta — it tends to amplify market swings less than TRMK's 0.94 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.89x | 0.94x |
| 52-Week HighHighest price in past year | $73.06 | $45.99 |
| 52-Week LowLowest price in past year | $49.92 | $33.39 |
| % of 52W HighCurrent price vs 52-week peak | +98.3% | +97.3% |
| RSI (14)Momentum oscillator 0–100 | 60.4 | 51.8 |
| Avg Volume (50D)Average daily shares traded | 386K | 396K |
Analyst Outlook
TRMK leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates WSFS as "Hold" and TRMK as "Hold". Consensus price targets imply 3.9% upside for WSFS (target: $75) vs 1.7% for TRMK (target: $46). For income investors, TRMK offers the higher dividend yield at 2.16% vs WSFS's 0.95%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $74.67 | $45.50 |
| # AnalystsCovering analysts | 13 | 9 |
| Dividend YieldAnnual dividend ÷ price | +1.0% | +2.2% |
| Dividend StreakConsecutive years of raises | 1 | 1 |
| Dividend / ShareAnnual DPS | $0.68 | $0.97 |
| Buyback YieldShare repurchases ÷ mkt cap | +7.7% | +3.0% |
WSFS leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). TRMK leads in 2 (Valuation Metrics, Analyst Outlook).
WSFS vs TRMK: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is WSFS or TRMK a better buy right now?
For growth investors, Trustmark Corporation (TRMK) is the stronger pick with 34.
8% revenue growth year-over-year, versus -3. 1% for WSFS Financial Corporation (WSFS). Trustmark Corporation (TRMK) offers the better valuation at 12. 1x trailing P/E (11. 5x forward), making it the more compelling value choice. Analysts rate WSFS Financial Corporation (WSFS) a "Hold" — based on 13 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — WSFS or TRMK?
On trailing P/E, Trustmark Corporation (TRMK) is the cheapest at 12.
1x versus WSFS Financial Corporation at 14. 1x. On forward P/E, Trustmark Corporation is actually cheaper at 11. 5x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: WSFS Financial Corporation wins at 0. 67x versus Trustmark Corporation's 1. 42x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — WSFS or TRMK?
Over the past 5 years, Trustmark Corporation (TRMK) delivered a total return of +48.
4%, compared to +45. 2% for WSFS Financial Corporation (WSFS). Over 10 years, the gap is even starker: WSFS returned +129. 8% versus TRMK's +127. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — WSFS or TRMK?
By beta (market sensitivity over 5 years), WSFS Financial Corporation (WSFS) is the lower-risk stock at 0.
89β versus Trustmark Corporation's 0. 94β — meaning TRMK is approximately 6% more volatile than WSFS relative to the S&P 500. On balance sheet safety, WSFS Financial Corporation (WSFS) carries a lower debt/equity ratio of 11% versus 53% for Trustmark Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — WSFS or TRMK?
By revenue growth (latest reported year), Trustmark Corporation (TRMK) is pulling ahead at 34.
8% versus -3. 1% for WSFS Financial Corporation (WSFS). On earnings-per-share growth, the picture is similar: WSFS Financial Corporation grew EPS 15. 4% year-over-year, compared to 1. 9% for Trustmark Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — WSFS or TRMK?
WSFS Financial Corporation (WSFS) is the more profitable company, earning 21.
1% net margin versus 20. 0% for Trustmark Corporation — meaning it keeps 21. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: WSFS leads at 28. 0% versus 25. 5% for TRMK. At the gross margin level — before operating expenses — WSFS leads at 74. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is WSFS or TRMK more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, WSFS Financial Corporation (WSFS) is the more undervalued stock at a PEG of 0. 67x versus Trustmark Corporation's 1. 42x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Trustmark Corporation (TRMK) trades at 11. 5x forward P/E versus 11. 8x for WSFS Financial Corporation — 0. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for WSFS: 3. 9% to $74. 67.
08Which pays a better dividend — WSFS or TRMK?
All stocks in this comparison pay dividends.
Trustmark Corporation (TRMK) offers the highest yield at 2. 2%, versus 1. 0% for WSFS Financial Corporation (WSFS).
09Is WSFS or TRMK better for a retirement portfolio?
For long-horizon retirement investors, WSFS Financial Corporation (WSFS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
89), 1. 0% yield, +129. 8% 10Y return). Both have compounded well over 10 years (WSFS: +129. 8%, TRMK: +127. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between WSFS and TRMK?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: WSFS is a small-cap deep-value stock; TRMK is a small-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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