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WSFSWSFS Financial Corporation
$74.14$3.9B
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WSFS logoWSFS Financial Corporation(WSFS)Earnings, Financials & Key Ratios

WSFS•NASDAQ•Banking & Credit
14.6× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutWSFS 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.Show more
  • Net Interest Income$726M+2.9%
  • Total Revenue$1.36B-3.1%
  • Net Income$287M+9.0%
  • Return on Equity10.85%+3.9%
  • Net Interest Margin3.41%+0.5%
  • Efficiency Ratio46.71%+3.1%
  • ROA1.36%+7.1%
  • Equity / Assets12.75%+2.9%
  • Book Value per Share49.98+15.8%

WSFS Key Insights

WSFS Financial Corporation (WSFS) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 20.1%
  • ✓Efficient operations: 46.7% efficiency ratio
  • ✓Well capitalized: 12.8% equity/assets
  • ✓Share count reduced 9.0% through buybacks
  • ✓Trading near 52-week high
  • ✓Trading at only 1.5x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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WSFS Price & Volume

WSFS Financial Corporation (WSFS) stock price & volume — 10-year historical chart

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WSFS Growth Metrics

WSFS Financial Corporation (WSFS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years17.42%
5 Years13.92%
3 Years12.17%
TTM-

Profit CAGR

10 Years18.3%
5 Years20.15%
3 Years8.92%
TTM8.98%

EPS CAGR

10 Years10.95%
5 Years17.53%
3 Years13.4%
TTM15.16%

Return on Capital

10 Years9.08%
5 Years10.49%
3 Years9.51%
Last Year10.27%

WSFS Recent Earnings

WSFS Financial Corporation (WSFS) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$1.45-2.0%
$1.48
Rev
$275M+2.6%
$268M
Q1 2026
Jan 26, 2026
Metric
Actual
Est
EPS
$1.43+13.5%
$1.26
Rev
$272M+1.7%
$267M
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$1.40+12.0%
$1.25
Rev
$270M+0.8%
$268M
Q3 2025
Jul 24, 2025
Metric
Actual
Est
EPS
$1.27+12.4%
$1.13
Rev
$268M-1.1%
$270M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$1.45vs $1.48-2.0%
$275Mvs $268M+2.6%
Q1 2026Jan 26, 2026
$1.43vs $1.26+13.5%
$272Mvs $267M+1.7%
Q4 2025Oct 23, 2025
$1.40vs $1.25+12.0%
$270Mvs $268M+0.8%
Q3 2025Jul 24, 2025
$1.27vs $1.13+12.4%
$268Mvs $270M-1.1%
Based on last 12 quarters of dataView full earnings history →

WSFS Peer Comparison

WSFS Financial Corporation (WSFS) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
TRMK logoTRMKTrustmark CorporationDirect Competitor2.63B44.6712.0734.75%19.32%10.77%0.53
IBCP logoIBCPIndependent Bank CorporationDirect Competitor706.3M34.3110.49-0.3%22.12%14.2%0.23
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.44B46.6814.0210.36%18.76%9.51%0.17
FULT logoFULTFulton Financial CorporationDirect Competitor4.41B22.9011.015.03%20.7%11.6%0.37
ACNB logoACNBACNB CorporationDirect Competitor592.43M57.2215.8928.89%19.43%9.2%0.78
AMSF logoAMSFAMERISAFE, Inc.Direct Competitor588.66M31.3212.682.63%14.27%9.68%0.00
PFIS logoPFISPeoples Financial Services Corp.Direct Competitor622.75M62.2410.5922.26%21.04%11.81%0.50
SNV logoSNVSynovus Financial Corp.Product Competitor6.95B50.0516.521.16%24.05%14.45%0.35

Compare WSFS vs Peers

WSFS Financial Corporation (WSFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs TRMK

Most directly comparable listed peer for WSFS.

Scale Benchmark

vs V

Larger-name benchmark to compare WSFS against a more recognizable public peer.

Peer Set

Compare Top 5

vs TRMK, IBCP, NBTB, FULT

WSFS Income Statement

WSFS Financial Corporation (WSFS) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
221.27M246.47M444.95M465.95M433.65M662.89M725.1M705.44M726.09M
NII Growth %
14.21%11.39%80.53%4.72%-6.93%52.86%9.39%-2.71%2.93%
Net Interest Margin %
3.16%3.4%3.63%3.25%2.75%3.33%3.52%3.39%3.41%
Interest Income
254.73M292.97M521.09M514.4M456.37M703.82M976.52M1.06B1.02B
Interest Expense
33.45M46.5M76.14M48.45M22.72M40.92M251.42M358.14M293.6M
Loan Loss Provision
10.96M13.17M26.48M153.18M-117.92M48.09M88.07M61.41M50.14M
Non-Interest Income
122.82M161.07M188.11M194.13M185.48M259.43M289.02M338.8M339.9M
Non-Interest Income %
32.53%35.47%26.52%27.4%28.9%26.93%22.84%24.16%25%
Total Revenue
377.55M▲ 0%
454.04M▲ 20.3%
709.2M▲ 56.2%
708.53M▼ 0.1%
641.85M▼ 9.4%
963.25M▲ 50.1%
1.27B▲ 31.4%
1.4B▲ 10.8%
1.36B▼ 3.1%
Revenue Growth %
17.38%20.26%56.2%-0.09%-9.41%50.07%31.38%10.81%-3.05%
Non-Interest Expense
224.64M223.58M412.21M361.94M379.35M573.62M560.78M635.57M635M
Efficiency Ratio
59.5%49.24%58.12%51.08%59.1%59.55%44.31%45.32%46.71%
Operating Income
108.49M▲ 0%
170.8M▲ 57.4%
194.37M▲ 13.8%
144.96M▼ 25.4%
357.7M▲ 146.8%
300.61M▼ 16.0%
365.04M▲ 21.4%
347.26M▼ 4.9%
380.87M▲ 9.7%
Operating Margin %
28.74%37.62%27.41%20.46%55.73%31.21%28.84%24.76%28.01%
Operating Income Growth %
11.67%57.43%13.8%-25.42%146.76%-15.96%21.43%-4.87%9.68%
Pretax Income
108.49M▲ 0%
170.8M▲ 57.4%
194.37M▲ 13.8%
144.96M▼ 25.4%
357.7M▲ 146.8%
300.61M▼ 16.0%
365.27M▲ 21.5%
347.26M▼ 4.9%
380.61M▲ 9.6%
Pretax Margin %
28.74%37.62%27.41%20.46%55.73%31.21%28.86%24.76%27.99%
Income Tax
58.25M36.05M46.45M31.64M86.09M77.96M96.25M83.76M93.36M
Effective Tax Rate %
53.69%21.11%23.9%21.82%24.07%25.93%26.35%24.12%24.53%
Net Income
50.24M▲ 0%
134.74M▲ 168.2%
148.81M▲ 10.4%
114.77M▼ 22.9%
271.44M▲ 136.5%
222.38M▼ 18.1%
269.16M▲ 21.0%
263.67M▼ 2.0%
287.35M▲ 9.0%
Net Margin %
13.31%29.68%20.98%16.2%42.29%23.09%21.27%18.8%21.14%
Net Income Growth %
-21.59%168.18%10.44%-22.87%136.5%-18.08%21.04%-2.04%8.98%
Net Income (Continuing)
50.24M134.74M147.92M113.32M271.61M222.65M269.02M263.5M287.25M
EPS (Diluted)
1.56▲ 0%
4.19▲ 168.6%
2.89▼ 31.0%
2.27▼ 21.5%
5.69▲ 150.7%
3.49▼ 38.7%
4.40▲ 26.1%
4.41▲ 0.2%
5.09▲ 15.4%
EPS Growth %
-24.27%168.59%-31.03%-21.45%150.66%-38.66%26.07%0.23%15.42%
EPS (Basic)
1.604.272.892.275.713.504.404.435.09
Diluted Shares Outstanding
32.3M32.17M51.57M50.55M47.7M63.66M61.22M59.74M54.37M

WSFS Balance Sheet

WSFS Financial Corporation (WSFS) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
1.56B1.83B571.75M1.65B1.53B832.61M1.09B1.17B1.36B
Cash & Due from Banks
720.26M619.59M571.75M1.65B1.53B832.61M1.09B1.15B1.33B
Short Term Investments
838.12M1.21B0000016.7M32.52M
Total Investments
5.82B6.28B10.47B11.39B12.86B16.47B16.91B16.94B13.18B
Investments Growth %
6.71%7.85%66.65%8.85%12.85%28.12%2.65%0.18%-22.23%
Long-Term Investments
4.99B5.08B10.47B11.39B12.86B16.47B16.91B16.93B13.14B
Accounts Receivables
19.41M22M38.09M44.34M41.6M74.45M85.98M84.67M0
Goodwill & Intangibles
188.44M186.02M568.75M557.39M547.23M1.01B1B988.16M969.9M
Goodwill
166.01M166.01M472.83M472.83M472.83M883.64M885.9M885.9M969.9M
Intangible Assets
22.44M20.02M95.92M84.56M74.4M128.59M118.66M102.26M0
PP&E (Net)
47.98M44.96M104.47M96.56M87.3M115.6M104.48M86.03M0
Other Assets
195.81M93.63M316.35M344.48M362.01M846.09M776.02M912.42M5.84B
Total Current Assets
1.58B1.85B798.48M1.94B1.92B1.47B1.8B1.9B1.36B
Total Non-Current Assets
5.42B5.4B11.46B12.39B13.86B18.45B18.8B18.91B19.96B
Total Assets
7B▲ 0%
7.25B▲ 3.6%
12.26B▲ 69.1%
14.33B▲ 17.0%
15.78B▲ 10.1%
19.91B▲ 26.2%
20.59B▲ 3.4%
20.81B▲ 1.1%
21.31B▲ 2.4%
Asset Growth %
3.46%3.56%69.08%16.95%10.07%26.22%3.41%1.07%2.4%
Return on Assets (ROA)
0.73%1.89%1.53%0.86%1.8%1.25%1.33%1.27%1.36%
Accounts Payable
1.04M1.9M3.1M1.45M736K5.17M46.68M38.17M0
Total Debt
937.81M699.79M489.29M340.64M239.48M726.89M895.08M383.61M302.68M
Net Debt
213.94M79.03M-82.46M-1.31B-1.29B-105.71M-193.55M-769.51M-1.02B
Long-Term Debt
909.81M541.81M294.29M340.64M239.48M726.89M895.08M383.61M302.68M
Short-Term Debt
28M157.97M195M000000
Other Liabilities
88.75M85.83M327.56M345.68M360.04M777.23M709.01M783.34M640.83M
Total Current Liabilities
5.28B5.8B9.78B11.86B13.24B16.21B16.52B17.07B17.64B
Total Non-Current Liabilities
998.55M627.64M621.85M686.32M599.51M1.5B1.6B1.17B943.51M
Total Liabilities
6.28B6.43B10.41B12.54B13.84B17.71B18.12B18.23B18.59B
Total Equity
724.35M▲ 0%
820.92M▲ 13.3%
1.85B▲ 125.3%
1.79B▼ 3.2%
1.94B▲ 8.2%
2.2B▲ 13.7%
2.47B▲ 12.2%
2.58B▲ 4.4%
2.72B▲ 5.4%
Equity Growth %
5.38%13.33%125.29%-3.24%8.24%13.67%12.17%4.44%5.36%
Equity / Assets (Capital Ratio)
10.35%11.32%15.09%12.48%12.28%11.06%11.99%12.39%12.75%
Return on Equity (ROE)
7.12%17.44%11.14%6.31%14.57%10.75%11.52%10.44%10.85%
Book Value per Share
22.4225.5235.8735.4040.6134.5940.3443.1849.98
Tangible BV per Share
16.5919.7424.8424.3829.1318.6923.9326.6432.14
Common Stock
563K569K575K576K577K759K761K763K2.74B
Additional Paid-in Capital
336.27M349.81M1.05B1.05B1.06B1.97B1.98B2B0
Retained Earnings
669.56M791.03M917.38M977.41M1.22B1.41B1.64B1.87B0
Accumulated OCI
-8.15M-15.39M23.5M56.01M-37.77M-675.84M-593.99M-624.88M0
Treasury Stock
-273.89M-305.1M-140.21M-295.29M-307.32M-505.25M-557.54M-653.85M0
Preferred Stock
000000000

WSFS Cash Flow Statement

WSFS Financial Corporation (WSFS) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
130.17M135.57M89.87M15.14M125.65M480.85M237M219.9M220M
Operating CF Growth %
62.34%4.15%-33.71%-83.15%729.8%282.7%-50.71%-7.22%0.05%
Net Income
50.24M134.74M147.92M113.32M271.61M222.65M269.02M263.5M287.25M
Depreciation & Amortization
11.63M11.27M49.81M38.2M37.84M60.54M48.6M39.7M37.64M
Deferred Taxes
17.9M3.38M7.07M-32.85M39.84M-4M-5.4M-8.16M5.7M
Other Non-Cash Items
50.01M-1.39M-130.7M-87.15M-164.16M-20.26M-35.64M-46.13M19.02M
Working Capital Changes
-3.01M-14.72M12.15M-19.06M-65.16M215.58M-49.2M-40.91M-142.41M
Cash from Investing
-388.79M-359.91M293.82M-874.94M-1.49B-137.37M-326.26M-66.73M124.88M
Purchase of Investments
-706.65M-500.03M-958.26M-1.46B-3.49B-1.34B-27.69M-67.43M-203.01M
Sale/Maturity of Investments
656.04M135.11M904.06M1.02B736.79M1.08B445.69M411.72M442.78M
Net Investment Activity
-50.61M-364.93M-54.2M-436.1M-2.75B-257.1M418.01M344.29M239.77M
Acquisitions
0076.07M00573.75M-3M02.43M
Other Investing
-330.45M10.52M286.15M-431.68M1.27B-445.2M-734.86M-396.76M-110.93M
Cash from Financing
160.56M121.23M-432.69M1.94B1.24B-1.04B344.9M-91.25M199.46M
Dividends Paid
-9.43M-13.25M-22.46M-24.37M-24.24M-35.75M-36.74M-35.8M-37.17M
Share Repurchases
-11.75M-31.2M-97.19M-155.83M-13.27M-200.08M-54.65M-96.31M-290.28M
Stock Issued
3.42M11.25M7.75M2.03M1.52M3.18M3.3M466K-3.23M
Net Stock Activity
-8.33M-19.95M-89.43M-153.8M-11.75M-196.9M-51.35M-95.84M-293.51M
Debt Issuance (Net)
-1000K-1000K-1000K1000K-1000K1000K1000K-1000K-1000K
Other Financing
381.31M535.96M-105.01M2.08B1.39B-1.16B247.99M554.36M601.17M
Net Change in Cash
-98.06M▲ 0%
-103.11M▼ 5.2%
-49.01M▲ 52.5%
1.08B▲ 2309.9%
-121.8M▼ 111.2%
-695.68M▼ 471.2%
255.64M▲ 136.7%
61.92M▼ 75.8%
544.34M▲ 779.1%
Exchange Rate Effect
000000000
Cash at Beginning
821.92M723.87M620.76M571.75M1.65B1.53B837.26M1.09B1.15B
Cash at End
723.87M620.76M571.75M1.65B1.53B837.26M1.09B1.15B1.7B
Interest Paid
33.57M45.64M74.94M50.1M23.43M36.49M209.91M366.65M312.13M
Income Taxes Paid
31.44M33.32M33.84M72.76M40.69M58.15M99.14M82.12M75.16M
Free Cash Flow
122.44M▲ 0%
130.07M▲ 6.2%
75.67M▼ 41.8%
7.98M▼ 89.4%
119.07M▲ 1391.6%
472.05M▲ 296.4%
230.6M▼ 51.1%
205.64M▼ 10.8%
213.61M▲ 3.9%
FCF Growth %
74.15%6.23%-41.83%-89.45%1391.57%296.44%-51.15%-10.82%3.88%

WSFS Banking Ratios

WSFS Financial Corporation (WSFS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
10.11%7.12%17.44%11.14%6.31%14.57%10.75%11.52%10.44%10.85%
Return on Assets (ROA)
1.04%0.73%1.89%1.53%0.86%1.8%1.25%1.33%1.27%1.36%
Net Interest Margin
2.86%3.16%3.4%3.63%3.25%2.75%3.33%3.52%3.39%3.41%
Efficiency Ratio
58.66%59.5%49.24%58.12%51.08%59.1%59.55%44.31%45.32%46.71%
Equity / Assets
10.16%10.35%11.32%15.09%12.48%12.28%11.06%11.99%12.39%12.75%
Book Value / Share
22.1122.4225.5235.8735.440.6134.5940.3443.1849.98
NII Growth
16.15%14.21%11.39%80.53%4.72%-6.93%52.86%9.39%-2.71%2.93%
Dividend Payout
11.91%18.76%9.83%15.1%21.23%8.93%16.07%13.65%13.58%12.93%
Related:WSFS Dividend History·WSFS Revenue History·WSFS Price History·WSFS P/E History·WSFS Financial Ratios·WSFS Institutional Holders

WSFS SEC Filings & Documents

WSFS Financial Corporation (WSFS) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Mar 11, 2026·SEC

Material company update

Jan 26, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 2, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 4, 2025·SEC

FY 2025

Jul 31, 2025·SEC

FY 2025

May 7, 2025·SEC

WSFS Frequently Asked Questions

WSFS Financial Corporation (WSFS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

WSFS Financial Corporation (WSFS) saw revenue decline by 3.1% over the past year.

Yes, WSFS Financial Corporation (WSFS) is profitable, generating $287.3M in net income for fiscal year 2025 (21.1% net margin).

Dividend & Returns

Yes, WSFS Financial Corporation (WSFS) pays a dividend with a yield of 0.92%. This makes it attractive for income-focused investors.

WSFS Financial Corporation (WSFS) has a return on equity (ROE) of 10.8%. This is reasonable for most industries.

Industry Metrics

WSFS Financial Corporation (WSFS) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.

WSFS Financial Corporation (WSFS) has an efficiency ratio of 46.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in WSFS back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in WSFS be worth today?

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