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WSFS Financial Corporation

WSFS Financial Banks Regional

WSFS Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $1.4 billion, down 3.20% from fiscal 2024.

Revenue
+2.90%
EPS
+27.7%
Free cash flow
+35.8%
Total debt
+19.3%

Quarter to September 2026, against a year earlier

79.12 1.96 −2.42%
Market cap
$4.0B
P/E
12.4×
Fwd P/E
11.7×
Dividend yield
1.19%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 5.64
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — 3 — — — 1 1 — 1 — —
Insider Ownership 0.82%

Capital & Financial Ratios $m

Size
Market Cap 4,000.00
Revenue ttm 1,382.73
Net income ttm 333.18
Free cash flow ttm 286.21
Net debt Q (1,625.89)
Valuation
P/E 12.44
Forward P/E 11.70
Price / sales 2.92
Forward P/S Powerpack
Price / FCF 14.08
Price / book 1.55
Financial health
Current ratio Q 0.84
Debt / equity Q 0.12
Interest coverage Q —
Growth
Revenue growth Q +2.90% (above 0%: growing)
Operating income growth Q +16.17% (above 0%: growing)
EPS, this year +29.11% (at or above 15%: strong)
EPS, next year A +5.43%
Revenue, next year A −16.08% (below 0%: weak)
EPS, past 5 yrs +17.53% (at or above 15%: strong)
EPS, next 5 yrs A +14.09%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 41.80%
10-year low 10-year high
P/S against its own 10 years 41.51%
10-year low 10-year high
P/B against its own 10 years 72.28%
10-year low 10-year high

Dividends raised 2 years running

Yield
1.19%
Annual rate
0.94
Payout ratio
14.8%
Growth, 2018–26
+7.87%/yr
  1. 0.42 ’18
  2. 0.47 ’19 +12
  3. 0.48 ’20 +2
  4. 0.51 ’21 +6
  5. 0.56 ’22 +10
  6. 0.75 ’23 +34
  7. 0.60 ’24 −20
  8. 0.66 ’25 +10
  9. 0.77 ’26 +17
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,093 1,155 1,699 1,930
Receivables — — — —
Inventory — — — —
Other — — — —
13,791 14,285 14,923 15,490
2023 2024 2025 Q'26
Payables 16,474 17,030 17,642 18,384
ST’ Debt — — — —
Other — — — —
16,521 17,068 17,662 18,404

Compound Annual Growth %

10y 5y 3y
Sales 17.42% 13.70% 12.15%
Cash Flow 11.48% 70.78% (22.94%)
Earnings 18.30% 20.15% 8.92%
Book Value 16.74% 8.80% 7.40%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.61 Actual 1.75

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.26 1.43 Beat by 0.17
Q1 FY26 1.48 1.45 Miss by 0.03
Q2 FY26 1.51 1.66 Beat by 0.15
Q3 FY26 1.61 1.75 Beat by 0.14
Q4 FY26 1.72 — Reports 25 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.64 1.63 1.75 — —
’25 1.12 1.27 1.37 1.34 5.09
’24 1.09 1.16 1.08 1.09 4.41
’23 1.01 1.12 1.22 1.05 4.40
’22 0.06 0.94 1.16 1.37 3.49
’21 1.36 2.01 1.14 1.18 5.69
’20 0.21 (0.14) 1.01 1.20 2.27
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 339 347 355 — —
’25 332 341 345 342 1,360
’24 337 357 364 347 1,405
’23 290 309 324 344 1,266
’22 205 232 249 278 964
’21 169 162 152 159 642
’20 175 190 173 178 715
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 86 (13) 171 — —
’25 9 37 122 53 220
’24 113 45 3 59 220
’23 30 92 165 (51) 237
’22 58 181 168 74 481
’21 70 19 200 (164) 126
’20 62 18 (32) (34) 15
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 86 (15) 163 — —
’25 6 35 120 52 214
’24 109 42 0 (214) (64)
’23 29 91 164 (368) (83)
’22 57 179 165 73 473
’21 69 18 199 (166) 119
’20 60 18 (32) (37) 8
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 322 379 456 709 715 642 964 1,266 1,405 1,360 1,383 +17.4% 1,141 1,203 1,259 (2.5%)
Gross margin, % 92.90 91.18 89.79 89.26 93.23 96.46 95.75 80.15 74.50 78.41 80.79 (14.5) pt
EBT 97 108 171 194 145 358 301 365 347 381 440 +16.4%
EBT margin, % 30.21 28.60 37.50 27.41 20.26 55.73 31.19 28.84 24.72 27.99 31.85 (2.2) pt
Net income 64 50 135 148 113 272 223 269 263 287 333 +18.1%
Per share, $
Per share, $ Revenue 10.62 12.07 14.43 14.39 14.16 13.50 15.19 20.72 23.59 24.16 27.14 +9.6%
Earnings 2.06 1.60 4.19 3.00 2.27 5.69 3.49 4.40 4.41 5.09 6.36 +10.6%
Cash flow 2.65 4.14 4.29 1.82 0.30 2.64 7.58 3.88 3.69 3.91 5.83 +4.4%
Capex (0.33) (0.25) (0.17) (0.29) (0.14) (0.13) (0.12) (5.23) (4.77) (0.11) (0.21) (11.1%)
Free cash flow 2.32 3.90 4.13 1.54 0.16 2.51 7.46 (1.35) (1.07) 3.80 5.62 +5.6%
Book value 22.70 23.05 26.00 37.52 35.43 40.75 34.70 40.42 43.32 48.48 51.08 +8.8%
Shares, m 30 31 32 49 51 48 63 61 60 56 53 +7.1%
Valuation, ×
Valuation, × P/E 22.49 30.85 9.07 15.12 19.68 8.81 12.75 10.36 12.02 10.83 12.44 15.2
P/S 4.38 3.98 2.63 3.06 3.17 3.71 2.96 2.20 2.25 2.29 2.92 3.1
P/B 2.05 2.08 1.46 1.17 1.27 1.23 1.30 1.13 1.23 1.14 1.55 1.4
EV/Sales 5.36 4.47 2.45 2.67 1.33 1.70 2.85 2.04 1.70 1.26 — 2.6
EV/FCF 24.53 13.85 8.58 24.97 118.33 9.11 5.80 (31.26) (37.39) 8.02 — 14.5
Cash, $m
Cash, $m Operating cash flow 80 130 136 90 15 126 481 237 220 220 297 +11.9%
Capex (10) (8) (5) (14) (7) (6) (8) (320) (284) (6) (11) (4.7%)
Free cash flow 70 122 130 76 8 119 473 (83) (64) 214 286 +13.1%
Balance, $m
Balance, $m Working capital 469 274 (268) (667) (1,166) (3,761) (3,494) (2,729) (2,783) (2,739) (2,914) n/m
Net debt 316 186 (79) (277) (1,314) (1,293) (110) (198) (771) (1,396) (1,626) n/m
Shareholders’ equity 687 724 821 1,849 1,789 1,937 2,202 2,470 2,579 2,728 2,602 +16.6%
Returns, %
Returns, % ROA 1.04 0.73 1.89 1.53 0.86 1.80 1.25 1.33 1.27 1.36 1.55 +0.3 pt
ROIC 6.05 7.45 14.39 8.37 19.12 34.87 9.65 10.04 12.08 17.89 28.37 +11.8 pt
ROE 10.11 7.12 17.44 11.15 6.31 14.57 10.75 11.52 10.44 10.83 12.47 +0.7 pt
People
People Employees 1,116 1,159 1,177 1,782 1,838 1,839 2,160 2,229 2,309 2,335 — +8.5%
Revenue/emp, $m 0.29 0.33 0.39 0.40 0.39 0.35 0.45 0.57 0.61 0.58 — +8.1%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

WSFS Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
IBOC International Bancshares Corporation $4.3B 10.1× 10.5× +2.82% (above 0%: growing) +5.75% (above 0%: growing) +9.70% (above 0%: growing) 81.66% 0.00% Compare
FLG Flagstar Bank, National Association $4.3B 70.7× 91.9× −9.46% (below 0%: shrinking) n/m −42.53% (below 0%: shrinking) 48.98% 0.00% Compare
CATY Cathay General Bancorp $4.2B 11.8× 11.5× +9.21% (above 0%: growing) +26.55% (above 0%: growing) +272.48% (above 0%: growing) 65.64% 0.00% Compare
CVBF CVB Financial Corporation $4.0B 15.2× 14.0× +45.38% (above 0%: growing) +15.79% (above 0%: growing) +641.25% (above 0%: growing) 82.47% 0.00% Compare
WSFS WSFS Financial Corporation $4.0B 12.4× 11.7× +2.90% (above 0%: growing) +27.74% (above 0%: growing) +35.81% (above 0%: growing) 81.03% 0.00%
GGAL Grupo Financiero Galicia S.A. $4.0B 15.2× — −91.05% (below 0%: shrinking) −72.04% (below 0%: shrinking) −347.48% (below 0%: shrinking) 100.00% 0.00% Compare
INDB Independent Bank Corp. $4.0B 12.5× 11.5× +3.14% (above 0%: growing) +175.36% (above 0%: growing) −34.59% (below 0%: shrinking) 75.78% 0.00% Compare
FBP First BanCorp. $3.9B 10.8× 10.9× +3.16% (above 0%: growing) +1.59% (above 0%: growing) −5.21% (below 0%: shrinking) 80.42% 0.00% Compare
BANF BancFirst Corporation $3.9B 15.0× 14.3× −78.96% (below 0%: shrinking) +6.38% (above 0%: growing) +13.82% (above 0%: growing) 100.00% 0.00% Compare
Median of peers $4.0B 13.8× 11.5× +2.98% +6.38% +2.25% 81.04% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 2 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 5.17m 5.38m 131.03
2024 4.64m 6.19m 124.51
2023 3.86m 2.84m 106.30
2022 4.66m 4.64m 103.34
2021 3.39m 3.69m 112.86
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

WSFS Financial Corporation (WSFS) Latest News

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WSFS metrics, ten years each

stockrow.com/WSFS · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com