WSFS Financial Corporation
- Open
- 80.70
- Day high
- 81.64
- Day low
- 80.70
- Prev close
- 81.11
- Volume
- 292K
- Mkt cap
- $4.1B
- P/E (TTM)
- 13.6
- EPS (TTM)
- $5.96
- P/B
- 1.5
- P/S
- 3.0
- Yield
- 0.70%
- Per share
- $0.57
- ▼Insiders net selling -$5.1M over the last 3 months (0 open-market buys, 3 sales)
- 🏛Institutions accumulating (13F)
WSFS Financial Corporation (WSFS) is a Financial Services company listed on NASDAQ. The stock is up 45% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 3 sales (SEC Form 4).
WSFS Financial Corporation (WSFS) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 2 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
WSFS earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jul 24, 2026 | $1.50 | $1.66 | +10.7% | $283M | +1.5% |
| Apr 24, 2026 | $1.48 | $1.45 | -2.0% | $275M | +2.6% |
| Jan 26, 2026 | $1.26 | $1.43 | +13.5% | $272M | +6.8% |
| Oct 23, 2025 | $1.25 | $1.40 | +12.0% | $270M | +0.8% |
| Jul 24, 2025 | $1.13 | $1.27 | +12.4% | $268M | -1.1% |
| Apr 24, 2025 | $1.04 | $1.13 | +8.7% | $256M | +8.9% |
| Jan 27, 2025 | $0.98 | $1.11 | +13.3% | $253M | -1.0% |
| Oct 24, 2024 | $1.06 | $1.08 | +1.9% | $268M | +2.8% |
| Jul 25, 2024 | $1.04 | $1.08 | +3.8% | $266M | +50.5% |
| Apr 25, 2024 | $1.07 | $1.11 | +3.7% | $250M | +45.9% |
| Jan 25, 2024 | $1.05 | $1.15 | +9.5% | $265M | +49.2% |
| Jul 24, 2023 | $1.10 | $1.16 | +5.5% | $248M | +44.0% |
WSFS insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Aug 10, 2026 | du Pont Eleuthere Idirector | Grant | 923 | $81.27 |
| Aug 10, 2026 | McKee Lynndirector | Grant | 923 | $81.27 |
| Aug 10, 2026 | Buchholz Karen Doughertydirector | Grant | 923 | $81.27 |
| Aug 10, 2026 | TURNER DAVID Gdirector | Grant | 923 | $81.27 |
| Aug 10, 2026 | Hong Michelledirector | Grant | 1,908 | $81.27 |
| Aug 10, 2026 | Brake Francis B.director | Grant | 923 | $81.27 |
| Aug 10, 2026 | Gheysens Christopherdirector | Grant | 923 | $81.27 |
| Aug 10, 2026 | DONAHUE MICHAEL Jdirector | Grant | 923 | $81.27 |
| Aug 10, 2026 | BIRD ANATdirector | Grant | 923 | $81.27 |
| Jul 30, 2026 | Kruzinski Shariofficer: EVP, Chief Consumer Bk Officer | Sell | 3,500 | $81.74 |
| Jun 12, 2026 | LEVENSON RODGERofficer: President & CEO | Sell | 50,040 | $74.01 |
| Jun 12, 2026 | LEVENSON RODGERofficer: President & CEO | Option | 27,730 | $51.84 |
| Jun 12, 2026 | LEVENSON RODGERofficer: President & CEO | Option | 34,740 | $36.11 |
| Jun 12, 2026 | LEVENSON RODGERofficer: President & CEO | Sell | 15,406 | $74.43 |
| Apr 17, 2026 | Wechsler James Jofficer: EVP Chief Comm'l Banking Ofc | Tax | 137 | $69.07 |
Source: WSFS SEC Form 4 filings, latest Aug 10, 2026. For informational purposes only — not investment advice.
See the full WSFS insider & 13F page →WSFS Financial Corporation company profile
Overview
WSFS Financial Corporation (NASDAQ:WSFS) is a regional bank holding company founded in 1832 and headquartered in Wilmington, Delaware. Operating through its primary subsidiary, the Wilmington Savings Fund Society, FSB, WSFS has evolved from a traditional savings and loan institution into a diversified financial services company serving customers across the Mid-Atlantic region. The company operates 112 offices across Pennsylvania, Delaware, New Jersey, Virginia, and Nevada, offering a comprehensive range of banking, wealth management, and specialized cash logistics services.
Business
WSFS Financial operates in the regional banking sector, providing financial services through three main business segments that collectively generate its revenue streams. The WSFS Bank segment represents the core traditional banking operations, offering deposit products including savings accounts, checking accounts, money market accounts, and certificates of deposit to individuals, businesses, and municipalities. On the lending side, the bank provides residential mortgages, commercial real estate loans, construction financing, commercial and industrial loans for working capital and business expansion, and consumer credit products such as home equity lines, auto loans, and personal installment loans. This segment generates revenue primarily through net interest income - the difference between what the bank pays depositors and what it earns on loans and investments. The Cash Connect segment operates a specialized cash logistics business that provides ATM vault cash services, smart safe solutions, armored carrier management, and cash management services to financial institutions and retailers. This business has grown significantly through market consolidation, particularly after major competitors like U.S. Bancorp exited the market. Cash Connect generates fee-based revenue from its cash logistics services and has expanded to serve nearly 8,000 non-bank ATMs. The Wealth Management segment offers investment advisory services, trust services, estate planning, and third-party investment products to high-net-worth individuals and institutions. This segment has shown consistent growth, achieving record quarterly fees of $40 million in Q4 2024. Revenue comes from asset management fees, trust fees, and commissions on investment products. Based on recent financial reports, the traditional banking operations generate the majority of revenue through net interest income, while fee-based services from Cash Connect and Wealth Management contribute approximately 30% of total revenue, providing important diversification from interest rate-sensitive banking income.
Revenue model
WSFS Financial generates revenue through multiple complementary business models that provide both interest-based and fee-based income streams. The primary revenue source is net interest income from traditional banking operations, where the company borrows money from depositors at lower rates and lends it out at higher rates to borrowers. The bank's customers include individuals seeking mortgages and personal loans, businesses needing working capital and equipment financing, and commercial real estate developers requiring construction loans. The net interest margin - currently around 3.80% - represents the profitability of this core banking function. Fee-based revenue provides important diversification and represents approximately 30% of total revenue. The Cash Connect business generates fees from providing cash logistics services to banks, credit unions, and retailers who need ATM cash management, armored transport, and smart safe services. The Wealth Management division earns asset management fees, typically calculated as a percentage of assets under management, plus trust administration fees and investment product commissions from affluent clients and institutional customers. Several factors significantly impact the company's profitability margins. Interest rate movements have the most substantial effect - rising rates generally benefit WSFS since it has an asset-sensitive balance sheet, meaning loan yields adjust faster than deposit costs. However, intense competition for deposits can compress margins when banks compete aggressively for funding. Credit quality directly affects profitability through loan loss provisions - economic downturns or specific industry stress can increase charge-offs and reduce earnings. Operational efficiency is crucial given the company's 60% efficiency ratio target, meaning expense management relative to revenue generation significantly impacts bottom-line results. Finally, regulatory compliance costs and capital requirements can constrain profitability, particularly for regional banks facing increasing regulatory scrutiny and technology investment needs.
Competitive moat
WSFS Financial operates in the highly competitive regional banking sector where traditional competitive advantages are limited, but the company has developed several modest protective factors around its franchise. The bank's geographic concentration in the Mid-Atlantic region, particularly Delaware where it holds a strong market position, provides some local market knowledge and relationship advantages. However, this concentration also creates vulnerability to regional economic downturns and limits diversification benefits. The company's long 192-year operating history has built brand recognition and customer relationships in its core markets, though this advantage is not insurmountable for well-capitalized competitors. The Cash Connect business represents the company's strongest competitive position, benefiting from industry consolidation as major players like U.S. Bancorp have exited the market. This specialized cash logistics operation requires significant infrastructure investment, regulatory compliance, and operational expertise that creates barriers to entry. The business has grown substantially by acquiring displaced ATM relationships and serves nearly 8,000 non-bank ATMs, providing a relatively stable fee income stream. The Wealth Management division offers some competitive advantages through relationship-based services and local market expertise, though it faces intense competition from larger wealth managers, discount brokers, and robo-advisors. The integration between banking and wealth services can create customer stickiness through cross-selling opportunities. However, WSFS faces significant competitive threats from multiple directions. Larger regional and national banks can offer more competitive pricing, broader product suites, and superior technology platforms. Fintech companies continue to disrupt traditional banking services, particularly in consumer lending and payments. Credit unions and community banks compete aggressively for local relationships, while online banks can offer higher deposit rates without physical branch networks. The company's modest scale - with $20.8 billion in assets - limits its ability to spread technology costs and compete on pricing with much larger institutions. Overall, WSFS operates in a structurally challenged industry with limited sustainable competitive advantages beyond its specialized Cash Connect operations.
Risks & safety
WSFS Financial demonstrates a moderate margin of safety with manageable financial risks but some areas requiring attention. Overall Assessment: The company maintains adequate liquidity and capital levels with reasonable profitability, though operating in a cyclical and competitive industry. Liquidity and Solvency: 1. Cash and short-term investments of $1.15 billion provide substantial liquidity buffer 2. Debt-to-equity ratio of 14.8% indicates conservative leverage 3. Positive operating cash flow of $220 million annually supports operations 4. Strong deposit base of approximately $16 billion provides stable funding Valuation Metrics: 1. Price-to-earnings ratio of 12.1x appears reasonable for a regional bank 2. Price-to-book ratio of 1.20x suggests modest premium to tangible book value 3. Return on equity of 10.2% demonstrates solid profitability 4. Core return on assets target of 1.25% is respectable for the industry Other Considerations: 1. Net charge-offs expected at 35-45 basis points indicate manageable credit risk 2. Efficiency ratio target of 60% shows focus on cost management 3. Geographic concentration in Mid-Atlantic region creates some risk concentration 4. Interest rate sensitivity requires careful asset-liability management 5. Regulatory capital ratios appear adequate based on continued operations and growth plans
Recent development
Over the past few years, WSFS Financial has pursued a strategy focused on optimizing its existing franchise while making selective investments in higher-growth, fee-generating businesses rather than pursuing traditional bank acquisitions. The company has significantly expanded its Cash Connect operations through market consolidation opportunities, most notably adding approximately 12,000 ATM units after U.S. Bancorp's exit from the cash logistics business. This expansion has transformed Cash Connect into a more substantial revenue contributor, with management working to optimize profitability by improving operational efficiency and funding sources. However, the company recently terminated a relationship with a long-standing client, resulting in a $4.7 million pre-tax impact in Q4 2024, demonstrating the concentration risk in this business. In Wealth Management, WSFS has made strategic investments in talent acquisition and technology infrastructure, including completing a trust accounting system conversion and rolling out an upgraded client account portal. These investments have yielded strong results, with the division achieving record quarterly fees of $40 million in Q4 2024 and consistent double-digit growth rates. The company continues to focus on expanding its institutional trust business and enhancing cross-referral opportunities between banking and wealth management services. The company has taken a disciplined approach to lending, pausing its Upstart consumer loan origination program due to limited cross-sell opportunities and credit concerns, while allowing the existing portfolio to run off naturally. This decision reflects management's focus on relationship-based lending rather than purely transactional loan products. Simultaneously, WSFS has continued investing in commercial banking talent to drive mid-single-digit growth in its commercial loan portfolio. Technology and operational improvements have been ongoing priorities, with investments in digital banking platforms, risk management systems, and operational efficiency initiatives. The company has maintained its focus on organic growth rather than acquisitive expansion, citing high valuations and integration risks in the current M&A environment. Management has also implemented a $1.5 billion hedge program to mitigate interest rate sensitivity and provide more predictable earnings in a volatile rate environment.
WSFS company profile · for informational purposes only — not investment advice.
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