WSFS Financial (WSFS)
Market Price (2/16/2026): $66.76 | Market Cap: $3.7 BilSector: Financials | Industry: Regional Banks
WSFS Financial (WSFS)
Market Price (2/16/2026): $66.76Market Cap: $3.7 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.2%, FCF Yield is 5.8% | Weak multi-year price returns3Y Excs Rtn is -27% | Key risksWSFS key risks include [1] concentrated credit exposure in its commercial real estate and construction loan portfolio and [2] vulnerability to the loss of major clients in its Cash Connect business. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -36% | ||
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 21%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 21% | ||
| Low stock price volatilityVol 12M is 29% | ||
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 13% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.2%, FCF Yield is 5.8% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -36% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 21%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 21% |
| Low stock price volatilityVol 12M is 29% |
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 13% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Weak multi-year price returns3Y Excs Rtn is -27% |
| Key risksWSFS key risks include [1] concentrated credit exposure in its commercial real estate and construction loan portfolio and [2] vulnerability to the loss of major clients in its Cash Connect business. |
Qualitative Assessment
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WSFS Financial (WSFS) stock has gained about 30% since 10/31/2025 because of the following key factors:
1. Strong Q4 2025 Earnings Beat and Positive 2026 Outlook.
WSFS Financial reported robust fourth-quarter and full-year 2025 earnings on January 26, 2026. The company's core earnings per share (EPS) for Q4 2025 was $1.43, significantly exceeding consensus estimates of $1.26 (or $1.23 in some reports), marking a 16.26% positive surprise and a 29% year-over-year increase. This strong performance was complemented by revenue that also surpassed expectations. Management further boosted investor confidence by providing an optimistic outlook for 2026, projecting double-digit core EPS growth and mid-single-digit loan and deposit growth, along with a core return on assets (ROA) of approximately 1.40%. This forward-looking commentary supported a higher multiple re-rating for the stock.
2. Robust Loan and Deposit Growth, Coupled with Improved Asset Quality.
The bank demonstrated substantial growth across its lending and deposit-gathering activities in the fourth quarter of 2025. Total gross loans expanded by 2% quarter-over-quarter, translating to a 9% annualized growth rate, driven by broad-based increases in commercial and industrial (C&I) loans (4% linked quarter or 15% annualized), commercial mortgage, residential mortgage, and the WSFS-originated consumer loan portfolios. Client deposits also saw healthy growth, increasing 2% quarter-over-quarter, or 10% on an annualized basis. This deposit growth provided ample capacity for further loan expansion, with the loan-to-deposit ratio standing at 74%. Concurrently, WSFS improved its asset quality metrics, with problem assets decreasing to their lowest level in over two years during Q4 2025.
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1. Strong Q4 2025 Earnings Beat and Positive 2026 Outlook.
WSFS Financial reported robust fourth-quarter and full-year 2025 earnings on January 26, 2026. The company's core earnings per share (EPS) for Q4 2025 was $1.43, significantly exceeding consensus estimates of $1.26 (or $1.23 in some reports), marking a 16.26% positive surprise and a 29% year-over-year increase. This strong performance was complemented by revenue that also surpassed expectations. Management further boosted investor confidence by providing an optimistic outlook for 2026, projecting double-digit core EPS growth and mid-single-digit loan and deposit growth, along with a core return on assets (ROA) of approximately 1.40%. This forward-looking commentary supported a higher multiple re-rating for the stock.
2. Robust Loan and Deposit Growth, Coupled with Improved Asset Quality.
The bank demonstrated substantial growth across its lending and deposit-gathering activities in the fourth quarter of 2025. Total gross loans expanded by 2% quarter-over-quarter, translating to a 9% annualized growth rate, driven by broad-based increases in commercial and industrial (C&I) loans (4% linked quarter or 15% annualized), commercial mortgage, residential mortgage, and the WSFS-originated consumer loan portfolios. Client deposits also saw healthy growth, increasing 2% quarter-over-quarter, or 10% on an annualized basis. This deposit growth provided ample capacity for further loan expansion, with the loan-to-deposit ratio standing at 74%. Concurrently, WSFS improved its asset quality metrics, with problem assets decreasing to their lowest level in over two years during Q4 2025.
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Stock Movement Drivers
Fundamental Drivers
The 29.0% change in WSFS stock from 10/31/2025 to 2/15/2026 was primarily driven by a 21.5% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 51.79 | 66.80 | 29.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,053 | 1,056 | 0.3% |
| Net Income Margin (%) | 25.3% | 26.4% | 4.2% |
| P/E Multiple | 11.0 | 13.4 | 21.5% |
| Shares Outstanding (Mil) | 57 | 56 | 1.6% |
| Cumulative Contribution | 29.0% |
Market Drivers
10/31/2025 to 2/15/2026| Return | Correlation | |
|---|---|---|
| WSFS | 29.0% | |
| Market (SPY) | -0.0% | 24.1% |
| Sector (XLF) | -1.4% | 43.3% |
Fundamental Drivers
The 22.9% change in WSFS stock from 7/31/2025 to 2/15/2026 was primarily driven by a 15.7% change in the company's P/E Multiple.| (LTM values as of) | 7312025 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 54.35 | 66.80 | 22.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,053 | 1,056 | 0.3% |
| Net Income Margin (%) | 25.3% | 26.4% | 4.2% |
| P/E Multiple | 11.5 | 13.4 | 15.7% |
| Shares Outstanding (Mil) | 57 | 56 | 1.6% |
| Cumulative Contribution | 22.9% |
Market Drivers
7/31/2025 to 2/15/2026| Return | Correlation | |
|---|---|---|
| WSFS | 22.9% | |
| Market (SPY) | 8.2% | 36.7% |
| Sector (XLF) | -1.1% | 55.7% |
Fundamental Drivers
The 21.0% change in WSFS stock from 1/31/2025 to 2/15/2026 was primarily driven by a 7.8% change in the company's P/E Multiple.| (LTM values as of) | 1312025 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 55.19 | 66.80 | 21.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,050 | 1,056 | 0.5% |
| Net Income Margin (%) | 25.1% | 26.4% | 5.3% |
| P/E Multiple | 12.4 | 13.4 | 7.8% |
| Shares Outstanding (Mil) | 59 | 56 | 6.1% |
| Cumulative Contribution | 21.0% |
Market Drivers
1/31/2025 to 2/15/2026| Return | Correlation | |
|---|---|---|
| WSFS | 21.0% | |
| Market (SPY) | 14.3% | 59.8% |
| Sector (XLF) | 1.4% | 66.6% |
Fundamental Drivers
The 44.3% change in WSFS stock from 1/31/2023 to 2/15/2026 was primarily driven by a 29.0% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 1312023 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 46.30 | 66.80 | 44.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 819 | 1,056 | 29.0% |
| Net Income Margin (%) | 23.7% | 26.4% | 11.3% |
| P/E Multiple | 15.0 | 13.4 | -11.1% |
| Shares Outstanding (Mil) | 63 | 56 | 13.0% |
| Cumulative Contribution | 44.3% |
Market Drivers
1/31/2023 to 2/15/2026| Return | Correlation | |
|---|---|---|
| WSFS | 44.3% | |
| Market (SPY) | 74.0% | 49.8% |
| Sector (XLF) | 47.7% | 67.6% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| WSFS Return | 13% | -8% | 3% | 17% | 5% | 21% | 58% |
| Peers Return | 82% | -17% | 19% | 23% | 18% | 9% | 185% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -0% | 82% |
Monthly Win Rates [3] | |||||||
| WSFS Win Rate | 58% | 50% | 50% | 42% | 42% | 100% | |
| Peers Win Rate | 73% | 42% | 58% | 55% | 60% | 90% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| WSFS Max Drawdown | -4% | -24% | -33% | -10% | -13% | -0% | |
| Peers Max Drawdown | -1% | -25% | -34% | -13% | -17% | -1% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: PNC, MTB, FULT, CUBI, UVSP.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/13/2026 (YTD)
How Low Can It Go
| Event | WSFS | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -46.6% | -25.4% |
| % Gain to Breakeven | 87.2% | 34.1% |
| Time to Breakeven | 438 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -55.7% | -33.9% |
| % Gain to Breakeven | 125.8% | 51.3% |
| Time to Breakeven | 275 days | 148 days |
| 2018 Correction | ||
| % Loss | -36.8% | -19.8% |
| % Gain to Breakeven | 58.1% | 24.7% |
| Time to Breakeven | 2,144 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -75.5% | -56.8% |
| % Gain to Breakeven | 307.7% | 131.3% |
| Time to Breakeven | 1,697 days | 1,480 days |
Compare to PNC, MTB, FULT, CUBI, UVSP
In The Past
WSFS Financial's stock fell -46.6% during the 2022 Inflation Shock from a high on 1/14/2022. A -46.6% loss requires a 87.2% gain to breakeven.
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About WSFS Financial (WSFS)
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 three segments: WSFS Bank, Cash Connect, and Wealth Management. It offers various deposit products, including savings accounts, demand deposits, interest-bearing demand deposits, money market deposit accounts, and certificates of deposit, as well as accepts jumbo certificates of deposit from individuals, businesses, and municipalities. The company also provides a range of loans, which comprise fixed and adjustable rate residential loans; commercial real estate mortgage loans; commercial construction loans to developers; commercial loans for working capital, financing equipment and real estate acquisitions, business expansion, and other business purposes; and consumer credit products, such as home improvement, automobile, and other secured and unsecured personal installment loans, as well as home equity lines and unsecured lines of credit, and government-insured reverse mortgages. In addition, it offers various third-party investment and insurance products, such as single-premium annuities, whole life policies, and securities; investment advisory services to high net worth individuals and institutions; mortgage and title services; and leases small equipment and fixed assets, as well as cash management, trust, and wealth management services. Further, the company provides ATM vault cash, smart safe, and other cash logistics services; and online reporting and ATM cash management, predictive cash ordering and reconcilement services, armored carrier management, loss protection, ATM processing equipment sales, and deposit safe cash logistics services. As of December 31, 2020, it operated 112 offices, including 52 in Pennsylvania, 42 in Delaware, 16 in New Jersey, 1 in Virginia, and 1 in Nevada. The company was founded in 1832 and is headquartered in Wilmington, Delaware.
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Here are 1-3 brief analogies for WSFS Financial:
- Think of it as a regional bank similar to a smaller, more localized PNC Financial Services or M&T Bank, primarily serving the Delaware Valley.
- It's like the Bank of America for the Delaware Valley region, providing comprehensive banking and wealth management services tailored to that local market.
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Here are the major products and services of WSFS Financial:- Deposit Services: Offers a variety of checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
- Consumer Lending: Provides residential mortgages, home equity loans, personal loans, and auto loans to individual customers.
- Commercial Lending & Banking Services: Extends business loans and lines of credit, real estate financing, and comprehensive cash management solutions to commercial clients.
- Wealth Management & Trust Services: Delivers financial planning, investment management, private banking, and fiduciary services to individuals, families, and businesses.
- Specialized Financial Services: Includes equipment leasing, credit card services, and insurance products to meet diverse client needs.
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WSFS Financial Corporation (WSFS) is a regional financial services company. As a bank holding company, its primary subsidiary, WSFS Bank, provides a wide range of banking and financial services to both individuals and businesses. It does not have a few "major customers" in the traditional sense like a manufacturing company might. Instead, its customer base is diverse and categorized by the types of services they require. Therefore, describing the categories of customers it serves is the most accurate approach.
WSFS Financial primarily serves the following categories of customers:
- Individuals and Families (Retail Banking): This category includes consumers seeking personal banking services such as checking and savings accounts, mortgages, home equity loans, personal loans, credit cards, and basic financial advice.
- Businesses (Small, Medium, and Large Commercial): This segment comprises various types of businesses, from small local enterprises to larger corporations. WSFS provides them with commercial loans (e.g., lines of credit, term loans, real estate financing), business checking and savings accounts, treasury management services, merchant services, and other corporate banking solutions.
- High-Net-Worth Individuals, Families, and Institutions (Wealth Management & Trust): Through its wealth management division, including Bryn Mawr Trust, WSFS serves clients requiring comprehensive financial planning, investment management, private banking services, fiduciary services, and trust administration.
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Fiserv, Inc. (FISV)
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Rodger Levenson Chairman, President and Chief Executive Officer Mr. Levenson joined WSFS in 2006 and has served in various leadership roles, including Executive Vice President (EVP) and Chief Operating Officer, EVP and Chief Corporate Development Officer, interim EVP and Chief Financial Officer, and EVP and Chief Commercial Banking Officer. Prior to WSFS, he spent 17 years at CoreStates Financial (now part of Wells Fargo), starting his banking career in 1986. He also served as a Senior Vice President at Citizens Bank from 2003 to 2006. Mr. Levenson was involved in evaluating, negotiating, and integrating mergers and acquisitions for WSFS. David Burg Executive Vice President, Chief Financial Officer Mr. Burg joined WSFS in August 2024. He previously spent nearly 17 years at Citigroup, where he was most recently the Head of Strategy and Execution for Legacy Franchises. During his time at Citigroup, he also served as Chief Financial Officer for the Latin America region from 2021 to 2023 and as Chief Financial Officer of Citigroup's Treasury & Trade Solutions business from 2017 to 2021. Before Citigroup, Mr. Burg was an Engagement Manager at McKinsey & Company and held various roles at General Electric. Arthur J. Bacci Executive Vice President, Chief Operating Officer Mr. Bacci assumed the role of Executive Vice President, Chief Operating Officer in August 2024. He was previously Executive Vice President, Chief Wealth Officer, and also served as interim Chief Financial Officer from August 2023 to August 2024. Mr. Bacci joined WSFS in April 2018 from Principal Financial Group, where he spent 16 years leading multiple segments, including serving as head of Principal's Hong Kong business. He was also President and CEO of Principal Bank, CFO and CEO of Principal Trust Company, and CFO of Ashton Technology Group, Inc., a NASDAQ publicly traded company. Earlier in his career, he held management positions with the William E. Simon & Sons private equity group and a fintech company. Lisa Brubaker Executive Vice President, Chief Human Resources Officer Ms. Brubaker assumed the role of Executive Vice President, Chief Human Resources Officer in January 2024. Most recently, she was Executive Vice President and Chief Information Officer (CIO) at WSFS, overseeing technology infrastructure, application development, cybersecurity, and bank operations. Ms. Brubaker joined WSFS in 1987 and has held various leadership roles, including EVP and Chief Technology Officer, and Senior Vice President and Director of Retail Strategy. She has an extensive background in project management and mergers and acquisitions, having guided WSFS through significant system conversion and integration projects, including the combination with Bryn Mawr Trust in 2022 and the acquisition and integration of Beneficial Bank in 2019. James "Jim" Wechsler Executive Vice President, Chief Commercial Banking Officer Mr. Wechsler assumed the role of Executive Vice President, Chief Commercial Banking Officer in January 2025. He joined WSFS in 2010 and has held various senior positions, including Chief Operating Officer of Commercial Banking, and leading Corporate Development, Strategic Planning, Consumer Lending, and Small Business Banking.AI Analysis | Feedback
The key risks to WSFS Financial's business are primarily centered around economic conditions, credit quality, and market interest rate fluctuations.- Economic Uncertainty and Credit Risk: WSFS Financial faces significant threats from broader economic uncertainty, including potential recessionary conditions, inflation, and high interest rates. These factors could lead to reduced loan demand and increased credit losses. The company's loan portfolio, particularly its substantial exposure to commercial real estate, commercial and industrial loans, and construction and land development loans, presents a notable credit risk. Difficult market conditions can impair the collectability of loans and increase nonperforming assets.
- Concentrated Lending and Client Loss: The company has a concentrated commercial lending portfolio, with a particular focus on commercial real estate. While often a strength, this concentration can lead to volatility, as demonstrated by a charge-off on an acquired office-related loan in Q1 2025. Furthermore, WSFS Financial has shown vulnerability to significant client relationship disruptions, such as the loss of a major Cash Connect client in Q4 2024, which negatively impacted immediate financial performance.
- Changes in Market Interest Rates: Fluctuations in market interest rates pose a risk to WSFS Financial's profitability. Changes in interest rates can lead to reduced net interest margins, as increased funding costs may outpace earning asset yields. This can directly impact the company's overall financial performance.
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1. Disruption from Digital-First Fintechs and Neobanks: The proliferation and rapid growth of challenger banks (e.g., Chime, SoFi, Varo) and sophisticated payment platforms (e.g., PayPal, Block's Cash App) offering comprehensive financial services with enhanced digital user experiences, often lower fees, and no physical branch overhead. These entities directly compete for WSFS Financial's traditional customer base, particularly among younger and digitally native consumers, threatening deposit acquisition, transaction volumes, and fee income. This represents a clear emerging threat by fundamentally changing customer expectations and the competitive landscape for financial services.
2. Intensified Competition for Deposits and Pressure on Net Interest Margins: The current and anticipated interest rate environment, coupled with the ease of digital banking, has led to increased rate sensitivity among consumers. Customers are more willing and able to migrate deposits to higher-yielding accounts offered by online-only banks, money market funds, and other digital platforms. This heightened competition for funding forces regional banks like WSFS to pay more for deposits, compressing their net interest margins (NIM), which is their primary source of profit. The speed and scale of potential deposit outflows in search of yield represent a clear and ongoing threat to profitability.
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WSFS Financial Corporation operates primarily in the Greater Philadelphia and Delaware region, offering a range of financial services including commercial banking, retail banking, and wealth management. While specific market sizes for the immediate "Delaware Valley" region are not consistently available across all products, market sizes for broader regions like Pennsylvania and the United States can be identified for their main product offerings. Here's an overview of the addressable markets for WSFS Financial's main products and services: * **Commercial Banking:** The commercial banking market in Pennsylvania is valued at $43.2 billion in 2025. The broader U.S. commercial banking market size was estimated at $226.44 billion in 2024 and is projected to reach $269.28 billion by 2029. Another estimate puts the U.S. commercial banking market size at $222.5 billion in 2023, expected to reach $320.5 billion by 2033. * **Retail Banking:** The U.S. retail banking market is forecast to grow by $92.1 billion at a compound annual growth rate (CAGR) of 4.2% between 2024 and 2029. The U.S. retail banking market size was valued at $91.27 billion in 2023 and is expected to reach $125.1 billion by 2033. * **Wealth Management:** The global wealth management market was valued at $1.68 trillion in 2023 and is projected to grow to $3.62 trillion by 2032, with a CAGR of 14.0% during the forecast period of 2025-2032. North America holds a significant portion of the global retail banking market, which includes aspects of wealth management, with 26.80% of the global market share in 2025. For other specific services and subsidiaries of WSFS Financial, such as Cash Connect (ATM vault cash and related services), NewLane Finance (commercial equipment finance), WSFS Mortgage, Arrow Land Transfer (title services), and WSFS Institutional Services, detailed addressable market sizes are not readily available in the provided search results.AI Analysis | Feedback
WSFS Financial (symbol: WSFS) is expected to drive future revenue growth over the next 2-3 years through several key areas:
- Expansion of Wealth and Trust Businesses: The company anticipates continued double-digit growth in its Wealth and Trust sectors, including Institutional Services and The Bryn Mawr Trust Company of Delaware. This focus on fee-based businesses is a significant component of its revenue strategy.
- Growth in Commercial Loans and Deposits: WSFS Financial expects low single-digit growth in its commercial loan portfolio and broad-based growth in client deposits. Strategic initiatives aim to enhance both commercial and consumer deposit bases.
- Effective Net Interest Margin (NIM) Management: The company is focused on maintaining and potentially expanding its net interest margin through active deposit repricing and effective interest rate management, even in the face of potential interest rate fluctuations.
- Momentum in Home Lending Business: WSFS Financial is experiencing significant momentum in its home lending business, with originations expected to offset the runoff from other portfolios.
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Share Repurchases
- WSFS repurchased approximately $95.4 million of common stock in 2024.
- Year-to-date through September 30, 2025, WSFS returned $206.2 million to stockholders through share repurchases and quarterly dividends, including $46.8 million in Q3 2025, $77.7 million in Q2 2025, and $53.8 million in Q1 2025.
- As of September 30, 2025, WSFS had approximately 5.65 million shares, or about 10% of outstanding shares, available for repurchase under its current authorizations. The Board also approved an additional 10% share repurchase authorization in Q1 2025.
Share Issuance
- In 2022, WSFS Financial Corporation issued over 9 million shares of common stock, largely related to the acquisition of Bryn Mawr Trust.
- WSFS issued 86,881 shares in 2023 and 63,340 shares in the first quarter of 2025.
Inbound Investments
- WSFS completed the acquisition of Bryn Mawr Trust, with integration following in late 2022 or early 2023, which significantly expanded WSFS's wealth management platforms and scale.
- This acquisition contributed to the growth of WSFS's total assets, which increased from $15.8 billion as of December 31, 2021, to $20.6 billion by December 31, 2023, and $20.8 billion as of December 31, 2024.
Outbound Investments
- WSFS launched a strategic partnership with Upstart Holdings, Inc. in 2021 to utilize an AI-enabled underwriting program for unsecured consumer loans.
- In Q2 2025, WSFS announced the sale of the majority of its unsecured consumer lending portfolio generated through the Upstart partnership, transferring $98.1 million in Upstart loans to held-for-sale status, marking a shift away from a loan runoff model.
Capital Expenditures
- In 2024, noninterest expense increased by $5.5 million due to investments in technology, including a new Trust accounting system and client portal.
- WSFS continued to invest in the company in 2024 to leverage its market position and ensure ongoing growth, strength, and resiliency.
Latest Trefis Analyses
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 69.77 |
| Mkt Cap | 3.9 |
| Rev LTM | 1,177 |
| Op Inc LTM | - |
| FCF LTM | 327 |
| FCF 3Y Avg | 272 |
| CFO LTM | 421 |
| CFO 3Y Avg | 294 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 6.6% |
| Rev Chg 3Y Avg | 7.0% |
| Rev Chg Q | 7.8% |
| QoQ Delta Rev Chg LTM | 1.9% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 28.4% |
| CFO/Rev 3Y Avg | 29.5% |
| FCF/Rev LTM | 26.7% |
| FCF/Rev 3Y Avg | 27.2% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 3.9 |
| P/S | 3.4 |
| P/EBIT | - |
| P/E | 13.1 |
| P/CFO | 11.0 |
| Total Yield | 9.5% |
| Dividend Yield | 1.7% |
| FCF Yield 3Y Avg | 10.4% |
| D/E | 0.4 |
| Net D/E | -0.5 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 6.3% |
| 3M Rtn | 23.0% |
| 6M Rtn | 21.6% |
| 12M Rtn | 19.6% |
| 3Y Rtn | 51.9% |
| 1M Excs Rtn | 10.2% |
| 3M Excs Rtn | 22.7% |
| 6M Excs Rtn | 14.0% |
| 12M Excs Rtn | 6.7% |
| 3Y Excs Rtn | -13.9% |
Price Behavior
Price Behavior
| Market Price | $66.80 | |
| Market Cap ($ Bil) | 3.7 | |
| First Trading Date | 03/26/1990 | |
| Distance from 52W High | -5.4% | |
| 50 Days | 200 Days | |
| DMA Price | $59.54 | $55.70 |
| DMA Trend | up | up |
| Distance from DMA | 12.2% | 19.9% |
| 3M | 1YR | |
| Volatility | 27.5% | 28.7% |
| Downside Capture | -1.78 | 83.87 |
| Upside Capture | 115.21 | 92.70 |
| Correlation (SPY) | 23.0% | 60.5% |
WSFS Betas & Captures as of 1/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.18 | 0.77 | 0.66 | 0.93 | 0.92 | 1.15 |
| Up Beta | 5.24 | 3.83 | 1.45 | 1.93 | 0.85 | 1.08 |
| Down Beta | 0.73 | 0.21 | 0.38 | 0.71 | 0.97 | 1.01 |
| Up Capture | 215% | 124% | 127% | 86% | 97% | 177% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 11 | 21 | 34 | 62 | 124 | 367 |
| Down Capture | -145% | -33% | -3% | 57% | 97% | 107% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 9 | 20 | 27 | 63 | 127 | 382 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WSFS | |
|---|---|---|---|---|
| WSFS | 20.2% | 28.6% | 0.64 | - |
| Sector ETF (XLF) | 1.6% | 19.3% | -0.04 | 67.6% |
| Equity (SPY) | 14.0% | 19.4% | 0.55 | 60.4% |
| Gold (GLD) | 74.3% | 25.3% | 2.17 | 1.0% |
| Commodities (DBC) | 7.0% | 16.7% | 0.24 | 21.7% |
| Real Estate (VNQ) | 7.9% | 16.6% | 0.28 | 51.3% |
| Bitcoin (BTCUSD) | -29.8% | 44.9% | -0.65 | 19.4% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WSFS | |
|---|---|---|---|---|
| WSFS | 9.1% | 34.1% | 0.32 | - |
| Sector ETF (XLF) | 12.4% | 18.7% | 0.54 | 66.5% |
| Equity (SPY) | 13.3% | 17.0% | 0.62 | 48.8% |
| Gold (GLD) | 22.1% | 17.0% | 1.06 | -0.1% |
| Commodities (DBC) | 10.5% | 18.9% | 0.44 | 14.0% |
| Real Estate (VNQ) | 5.2% | 18.8% | 0.18 | 46.4% |
| Bitcoin (BTCUSD) | 8.3% | 57.2% | 0.37 | 15.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WSFS | |
|---|---|---|---|---|
| WSFS | 10.4% | 35.8% | 0.38 | - |
| Sector ETF (XLF) | 13.8% | 22.2% | 0.57 | 72.1% |
| Equity (SPY) | 15.6% | 17.9% | 0.75 | 56.1% |
| Gold (GLD) | 15.3% | 15.6% | 0.82 | -5.8% |
| Commodities (DBC) | 8.1% | 17.6% | 0.38 | 20.6% |
| Real Estate (VNQ) | 6.4% | 20.7% | 0.27 | 53.2% |
| Bitcoin (BTCUSD) | 67.9% | 66.7% | 1.07 | 12.6% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/26/2026 | |||
| 7/24/2025 | -0.4% | -3.1% | 2.5% |
| 4/24/2025 | -0.9% | -0.3% | 1.5% |
| 1/27/2025 | 1.3% | 1.3% | -2.4% |
| 10/24/2024 | -3.2% | -3.1% | 19.5% |
| 7/25/2024 | -0.4% | -5.1% | -2.7% |
| 4/25/2024 | -3.8% | 0.8% | -0.9% |
| 1/25/2024 | 1.4% | -5.0% | -8.7% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 10 | 12 |
| # Negative | 11 | 12 | 10 |
| Median Positive | 1.4% | 2.3% | 12.1% |
| Median Negative | -2.6% | -3.5% | -2.5% |
| Max Positive | 9.3% | 11.7% | 22.3% |
| Max Negative | -6.0% | -7.0% | -8.7% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 07/31/2025 | 10-Q |
| 03/31/2025 | 05/07/2025 | 10-Q |
| 12/31/2024 | 02/28/2025 | 10-K |
| 09/30/2024 | 11/06/2024 | 10-Q |
| 06/30/2024 | 08/02/2024 | 10-Q |
| 03/31/2024 | 05/06/2024 | 10-Q |
| 12/31/2023 | 02/29/2024 | 10-K |
| 09/30/2023 | 11/03/2023 | 10-Q |
| 06/30/2023 | 08/03/2023 | 10-Q |
| 03/31/2023 | 05/05/2023 | 10-Q |
| 12/31/2022 | 02/28/2023 | 10-K |
| 09/30/2022 | 11/04/2022 | 10-Q |
| 06/30/2022 | 08/04/2022 | 10-Q |
| 03/31/2022 | 05/10/2022 | 10-Q |
| 12/31/2021 | 03/01/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Levenson, Rodger | President & CEO | Direct | Sell | 2252025 | 55.20 | 7,199 | 397,385 | 7,881,466 | Form |
| 2 | Wechsler, James J | EVP Chief Comm'l Banking Ofc | Direct | Sell | 2092026 | 69.89 | 450 | 31,453 | 403,783 | Form |
| 3 | Kruzinski, Shari | EVP, Chief Consumer Bk Officer | Direct | Sell | 2092026 | 70.10 | 1,000 | 70,100 | 1,033,274 | Form |
| 4 | Bacci, Arthur J | EVP, COO | Direct | Sell | 2112026 | 70.51 | 2,005 | 141,373 | 1,859,067 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
Prefer one of these to Trefis? Tell us why.