WSFS Financial Corporation (WSFS) Stock Analysis
Financial Services · Banks - Regional · NasdaqGS
WSFS Financial Corporation (WSFS) posted $1.07B in revenue for fiscal 2025 (up 1.9% year over year), at a 27.0% net margin, and has compounded revenue about 8.3%/yr over five years, per its SEC filings.
Data last refreshed August 2, 2026 from SEC filings · how we compute this
The analyst's take on WSFS Financial Corporation
WSFS Financial Corporation has grown revenue from $321.64M to $1.07B over the last 10 fiscal years, compounding about 8.3% a year. The most recent year was up 1.9%, so growth has cooled from its longer-run pace.
Net margin sits at 27%, up 1.8 points year over year.
At today's valuation the market is pricing in roughly 6.3% annual free-cash-flow growth — versus the 93% it actually delivered over the last five years, so the price is arguably undemanding against what it has already proven. The one thing worth a second look in the filings is reported earnings run ahead of cash.
Synthesised from WSFS Financial Corporation's SEC filings — descriptive, not advice. Ask the analyst your own question →
WSFS Financial Corporation revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $321.64M | $379.37M | $455.51M | $709.20M | $715.43M | $641.85M | $662.89M | $1.01B | $1.05B | $1.07B |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $64.08M | $50.24M | $134.74M | $148.81M | $114.77M | $271.44M | $222.38M | $269.16M | $263.67M | $287.35M |
| Net margin | 19.9% | 13.2% | 29.6% | 21.0% | 16.0% | 42.3% | 33.5% | 26.5% | 25.2% | 27.0% |
Source: WSFS Financial Corporation SEC filings (10-K). 17 years of history available in the interactive view.
WSFS Financial Corporation: 2 potential red flags in the filings
Patterns in the filed statements worth a second look — computed and cited, not AI guesswork, and not a signal to sell. The kind of thing that hides in a 10-K.
- Reported earnings run ahead of cashOver 3 years net income totalled $820.2M but operating cash flow only $676.9M — earnings aren't fully backed by cash, an accruals flag worth investigating.
- Net margin shrinkingNet margin fell from 33.5% to 27.0% over ~3 years — profitability is compressing.
What growth is priced into WSFS stock?
At today's market cap of $3.85B, WSFS Financial Corporation is priced for free-cash-flow growth of about 6.3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $213.61M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 93%/yr over the last five fiscal years and revenue 8.3%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of WSFS Financial Corporation financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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WSFS Financial Corporation financial history by metric
Compare WSFS Financial Corporation with peers
About WSFS Financial Corporation
WSFS 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 WSFS Bank, Cash Connect, and Wealth and Trust segments. The company offers deposit products, including noninterest-bearing demand deposits, money market, and interest-bearing demand deposits, as well as certificates of deposit and jumbo certificates of deposit. It also provides loans, such as commercial and industrial loans, commercial mortgage loans, and construction and land development loans, as well as residential and consumer loans comprising residential mortgage, equity secured lines and loans, installment loans, unsecured lines of credit, originated education loans, and previously acquired education loans. In addition, the company offers ATM vault cash, smart safe and cash logistics services, planning and advisory services, investment management, and personal and institutional trust services. WSFS Financial Corporation was founded in 1832 and is headquartered in Wilmington, Delaware.
WSFS Financial Corporation — frequently asked questions
What is WSFS Financial Corporation's revenue?
WSFS Financial Corporation (WSFS) reported revenue of $1.07B for fiscal year 2025, up 1.9% from the prior year, according to its SEC filings.
Is WSFS Financial Corporation profitable?
Yes. WSFS earned net income of $287.35M in fiscal 2025, a net margin of 27.0%.
What is WSFS's P/E ratio?
WSFS Financial Corporation trades at a price-to-earnings ratio of about 13.2 based on the latest data in our nightly-refreshed cache.
How fast is WSFS Financial Corporation growing?
WSFS's revenue grew at roughly 8.3% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does WSFS Financial Corporation have?
As of fiscal year 2025, WSFS carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is WSFS Financial Corporation's market cap?
WSFS Financial Corporation (WSFS) has a market capitalization of about $3.85B, based on the latest data in our nightly-refreshed cache.
When does WSFS Financial Corporation's fiscal year end?
WSFS's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into WSFS stock?
At today's market cap of $3.85B, WSFS Financial Corporation is priced for free-cash-flow growth of about 6.3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $213.61M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 93%/yr over the last five fiscal years and revenue 8.3%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from WSFS Financial Corporation's official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.