WSFS Financial Corporation (WSFS) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
6.78
↑+22% vs avg
5yr avg: 5.58
30Y Low2.8·High37.0
P/FCF
↓
17.74
↑+31% vs avg
5yr avg: 13.58
30Y Low3.8·High54.6
P/B Ratio
↓
1.44
+19% vs avg
5yr avg: 1.20
30Y Low0.5·High2.9
ROE
↓
10.8%
-7% vs avg
5yr avg: 11.6%
30Y Low0%·High67%
Debt/EBITDA
↑
0.74
↓-43% vs avg
5yr avg: 1.30
30Y Low0.6·High33.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
WSFS Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
WSFS Financial Corporation trades at 14.1x earnings, 28% above its 5-year average of 11.0x, sitting at the 55th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.3x, the stock trades at a premium of 6%. On a free-cash-flow basis, the stock trades at 17.7x P/FCF, 31% above the 5-year average of 13.6x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $3.8B | $3.0B | $3.2B | $2.8B | $2.9B | $2.4B | $2.3B | $2.3B | $1.2B | $1.5B | $1.4B |
| Enterprise Value | $2.8B | $2.0B | $2.4B | $2.6B | $2.8B | $1.1B | $962M | $2.2B | $1.3B | $1.8B | $1.9B |
| P/E Ratio → | 14.12 | 10.85 | 12.05 | 10.44 | 12.99 | 8.81 | 19.77 | 15.22 | 9.05 | 30.67 | 22.50 |
| P/S Ratio | 2.79 | 2.21 | 2.26 | 2.22 | 3.00 | 3.72 | 3.20 | 3.20 | 2.69 | 4.09 | 4.48 |
| P/B Ratio | 1.44 | 1.11 | 1.23 | 1.14 | 1.31 | 1.23 | 1.27 | 1.23 | 1.49 | 2.13 | 2.10 |
| P/FCF | 17.74 | 14.06 | 15.43 | 12.19 | 6.11 | 20.08 | 284.17 | 29.98 | 9.38 | 12.62 | 20.49 |
| P/OCF | 17.22 | 13.65 | 14.43 | 11.86 | 6.00 | 19.03 | 149.82 | 25.24 | 8.99 | 11.87 | 17.97 |
P/E links to full P/E history page with 30-year chart
WSFS EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
WSFS Financial Corporation's enterprise value stands at 6.8x EBITDA, 22% above its 5-year average of 5.6x. The Financial Services sector median is 11.4x, placing the stock at a 41% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.46 | 1.71 | 2.07 | 2.89 | 1.72 | 1.36 | 3.08 | 2.86 | 4.66 | 5.88 |
| EV / EBITDA | 6.78 | 4.85 | 6.21 | 6.33 | 7.70 | 2.79 | 5.25 | 8.95 | 7.13 | 14.65 | 17.65 |
| EV / EBIT | 7.26 | 5.20 | 6.92 | 7.17 | 9.25 | 3.08 | 6.64 | 11.25 | 7.60 | 16.22 | 19.45 |
| EV / FCF | — | 9.27 | 11.69 | 11.35 | 5.89 | 9.26 | 120.49 | 28.89 | 9.98 | 14.37 | 26.88 |
WSFS Profitability
Margins and return-on-capital ratios measuring operating efficiency
WSFS Financial Corporation earns an operating margin of 28.0%, above the Financial Services sector average of 21.4%. ROE of 10.8% is modest. ROIC of 9.5% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 74.7% | 74.7% | 70.1% | 73.2% | 90.8% | 114.8% | 71.5% | 85.5% | 86.9% | 88.2% | 88.9% |
| Operating Margin | 28.0% | 28.0% | 24.8% | 28.8% | 31.2% | 55.7% | 20.5% | 27.4% | 37.6% | 28.7% | 30.2% |
| Net Profit Margin | 21.1% | 21.1% | 18.8% | 21.3% | 23.1% | 42.3% | 16.2% | 21.0% | 29.7% | 13.3% | 19.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.8% | 10.8% | 10.4% | 11.5% | 10.7% | 14.6% | 6.3% | 11.1% | 17.4% | 7.1% | 10.1% |
| ROA | 1.4% | 1.4% | 1.3% | 1.3% | 1.2% | 1.8% | 0.9% | 1.5% | 1.9% | 0.7% | 1.0% |
| ROIC | 9.5% | 9.5% | 8.2% | 8.7% | 8.8% | 12.5% | 4.9% | 7.6% | 8.0% | 4.5% | 4.2% |
| ROCE | 10.3% | 10.3% | 8.9% | 9.4% | 9.6% | 14.3% | 5.9% | 9.9% | 10.8% | 6.0% | 5.8% |
WSFS Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
WSFS Financial Corporation carries a Debt/EBITDA ratio of 0.7x, which is very conservative (82% below the sector average of 4.1x). The company holds a net cash position — cash of $1.3B exceeds total debt of $303M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 1.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.11 | 0.11 | 0.15 | 0.36 | 0.33 | 0.12 | 0.19 | 0.26 | 0.85 | 1.29 | 1.84 |
| Debt / EBITDA | 0.74 | 0.74 | 0.99 | 2.16 | 2.01 | 0.61 | 1.86 | 2.00 | 3.84 | 7.81 | 11.84 |
| Net Debt / Equity | — | -0.38 | -0.30 | -0.08 | -0.05 | -0.67 | -0.73 | -0.04 | 0.10 | 0.30 | 0.65 |
| Net Debt / EBITDA | -2.51 | -2.51 | -1.99 | -0.47 | -0.29 | -3.26 | -7.13 | -0.34 | 0.43 | 1.78 | 4.19 |
| Debt / FCF | — | -4.79 | -3.74 | -0.84 | -0.22 | -10.82 | -163.69 | -1.09 | 0.61 | 1.75 | 6.39 |
| Interest Coverage | 1.30 | 1.30 | 0.97 | 1.45 | 7.35 | 15.74 | 2.99 | 2.55 | 3.67 | 3.24 | 4.25 |
Net cash position: cash ($1.3B) exceeds total debt ($303M)
WSFS Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.08x is below 1.0, meaning current liabilities exceed current assets — though the company's $1.3B cash position helps mitigate short-term liquidity concerns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.08 | 0.08 | 0.11 | 0.11 | 0.09 | 0.15 | 0.16 | 0.08 | 0.32 | 0.30 | 0.34 |
| Quick Ratio | 0.08 | 0.08 | 0.11 | 0.11 | 0.09 | 0.15 | 0.16 | 0.08 | 0.32 | 0.30 | 0.34 |
| Cash Ratio | 0.08 | 0.08 | 0.07 | 0.07 | 0.05 | 0.12 | 0.14 | 0.06 | 0.11 | 0.14 | 0.17 |
| Asset Turnover | — | 0.06 | 0.07 | 0.06 | 0.05 | 0.04 | 0.05 | 0.06 | 0.06 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
WSFS Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
WSFS Financial Corporation returns 8.6% to shareholders annually — split between a 1.0% dividend yield and 7.7% buyback yield. The payout ratio of 12.9% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.1% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.0% | 1.2% | 1.1% | 1.3% | 1.2% | 1.0% | 1.1% | 1.0% | 1.1% | 0.6% | 0.5% |
| Payout Ratio | 12.9% | 12.9% | 13.6% | 13.7% | 16.1% | 8.9% | 21.2% | 15.1% | 9.8% | 18.8% | 11.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.1% | 9.2% | 8.3% | 9.6% | 7.7% | 11.4% | 5.1% | 6.6% | 11.1% | 3.3% | 4.4% |
| FCF Yield | 5.6% | 7.1% | 6.5% | 8.2% | 16.4% | 5.0% | 0.4% | 3.3% | 10.7% | 7.9% | 4.9% |
| Buyback Yield | 7.7% | 9.7% | 3.0% | 1.9% | 6.9% | 0.6% | 6.9% | 4.3% | 2.6% | 0.8% | 1.0% |
| Total Shareholder Yield | 8.6% | 10.9% | 4.2% | 3.3% | 8.2% | 1.6% | 7.9% | 5.3% | 3.6% | 1.4% | 1.5% |
| Shares Outstanding | — | $54M | $60M | $61M | $64M | $48M | $51M | $52M | $32M | $32M | $31M |
Peer Comparison
Compare WSFS with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 WSFSYou | $4B | 14.1 | 6.8 | 17.7 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 TRMK | $3B | 12.1 | 9.5 | 11.4 | 71.0% | 25.5% | 11.0% | 7.1% | 3.4 |
 IBCP | $690M | 10.3 | 9.3 | 9.8 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 NBTB | $2B | 13.4 | 10.3 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FULT | $4B | 10.4 | 9.8 | 14.6 | 67.4% | 25.7% | 11.7% | 7.5% | 2.5 |
 ACNB | $548M | 14.7 | 16.1 | 10.4 | 73.7% | 27.3% | 10.2% | 5.3% | 6.2 |
 AMSF | $559M | 12.0 | 8.3 | 62.6 | 46.4% | 18.6% | 18.5% | 21.9% | 0.0 |
 PFIS | $570M | 9.7 | 10.7 | 13.1 | 66.6% | 25.7% | 12.0% | 7.7% | 3.6 |
 SNV | $7B | 16.5 | 8.8 | 9.1 | 53.8% | 17.7% | 9.3% | 6.6% | 2.8 |
 UMBF | $10B | 14.4 | 12.1 | 10.2 | 54.4% | 20.3% | 12.6% | 7.5% | 3.6 |
 WTFC | $10B | 13.0 | 11.7 | 11.1 | 62.2% | 26.4% | 12.1% | 7.5% | 3.7 |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonWSFS — Frequently Asked Questions
Quick answers to the most common questions about buying WSFS stock.
What is WSFS Financial Corporation's P/E ratio?
WSFS Financial Corporation's current P/E ratio is 14.1x. The historical average is 14.4x. This places it at the 55th percentile of its historical range.
What is WSFS Financial Corporation's EV/EBITDA?
WSFS Financial Corporation's current EV/EBITDA is 6.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 18.1x.
What is WSFS Financial Corporation's ROE?
WSFS Financial Corporation's return on equity (ROE) is 10.8%. The historical average is 14.6%.
Is WSFS stock overvalued?
Based on historical data, WSFS Financial Corporation is trading at a P/E of 14.1x. This is at the 55th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is WSFS Financial Corporation's dividend yield?
WSFS Financial Corporation's current dividend yield is 0.95% with a payout ratio of 12.9%.
What are WSFS Financial Corporation's profit margins?
WSFS Financial Corporation has 74.7% gross margin and 28.0% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does WSFS Financial Corporation have?
WSFS Financial Corporation's Debt/EBITDA ratio is 0.7x, indicating low leverage. A ratio below 2x is generally considered financially healthy.