WSFS Financial Corporation (WSFS)
Valuation Overview•Is WSFS Financial Corporation Overvalued or Undervalued?
Market price has outpaced base-case intrinsic cash flows, pricing in significant future growth optimism.
Moderate quality score of 60/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Solid fundamental quality, though solvency presents a headwind.
Wall Street is broadly bullish, projecting solid upside alongside robust expected earnings growth. This outlook is strongly supported by highly attractive capital returns, driven predominantly by aggressive share repurchases.
WSFS demonstrates strong business quality with robust profitability and healthy margins. This is backed by a fortress balance sheet, holding significant net cash ($1.0B) and minimal debt risk.
The company maintains stable top-line performance paired with robust earnings compounding (13.4% EPS 3Y CAGR). This growth is supported by elite operational efficiency, sustaining an impressive 28.0% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $341.7M | -3.1% | — | — | +17.4% | |
| EBITDA | $97.2M | — | +4.2% | — | — | |
| Net Income | $72.7M | +9.0% | +8.9% | — | +18.3% | |
| EPS (Diluted) | $1.34 | +15.4% | +13.4% | +17.5% | +11.0% | |
| Free Cash Flow | $51.8M | +3.9% | -23.2% | +93.0% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 74.7% | 72.7% | 84.7% | 84.5% |
| Operating Margin | 28.0% | 27.2% | 33.7% | 31.3% |
| Net Margin | 21.1% | 20.4% | 25.3% | 22.7% |
| FCF Margin | 15.7% | 16.2% | 23.2% | 21.1% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $1.48 | $1.45 | -2.0% | ||
| Q1'26 | $1.26 | $1.43 | +13.5% | ||
| Q4'25 | $1.25 | $1.40 | +12.0% | ||
| Q3'25 | $1.13 | $1.27 | +12.4% | ||
| Q2'25 | $1.05 | $1.13 | +7.6% | ||
| Q1'25 | $0.97 | $1.11 | +14.0% | ||
| Q4'24 | $1.06 | $1.08 | +1.9% | ||
| Q3'24 | $1.04 | $1.08 | +3.8% |
Total return is +45.8% (1Y), outperforming the benchmark by +20.8%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +35.3% | +26.0% | — |
| 1Y | +45.8% | +20.8% | +1.4% |
| 3YCAGR | +26.6% | +6.8% | +5.2% |
| 5YCAGR | +10.3% | -3.6% | +6.5% |
| 10YCAGR | +9.0% | -4.4% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about WSFS Financial Corporation (WSFS) valuation, health, and returns.
WSFS Financial Corporation is estimated to be overvalued under our discounted cash flow framework. relative multiples indicate the stock is Fair versus peers compared to industry peers. overvalued (implying -18.5% downside from DCF intrinsic value of $60.40)
WSFS Financial Corporation has multiple valuation anchors: DCF Intrinsic Value: $60.40 | Peer Relative Fair Value: $69.09 | Wall Street Analyst Target: $79.00 (implying +6.6% upside). A convergence of these signals offers higher conviction.
WSFS Financial Corporation displays good financial health with a composite quality score of 60/100, supported by a Piotroski F-Score of 6/9, Return on Invested Capital (ROIC) of 9.5%.
WSFS Financial Corporation pays a 0.9% dividend yield, covered by a 13% payout ratio with 1 years of growth, supplemented by a 7.4% buyback yield.
WSFS Financial Corporation's current growth trajectory is Decelerating. The company achieved -3.1% 1Y revenue growth and +15.4% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 13 analysts, beating EPS expectations in 92% of recent quarters with a -1-quarter streak. The consensus price target represents a +6.6% change from current levels.
Investment risks for WSFS Financial Corporation include: -14.9% 1-year max drawdown. Volatility risk is characterized by a beta of 0.70x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.