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WSFS Financial (WSFS) Financials

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$81.82 +0.26 (+0.32%)
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Annual Income Statements for WSFS Financial

Annual Income Statements for WSFS Financial

This table shows WSFS Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 54 156 50 135 149 115 271 222 269 264 287
Consolidated Net Income / (Loss)		 54 156 50 135 148 113 272 223 269 263 287
Net Income / (Loss) Continuing Operations		 54 156 163 135 148 113 272 223 269 263 287
Total Pre-Tax Income 		84 97 108 171 194 145 358 301 365 347 381
Total Revenue		 257 391 459 409 633 667 619 923 1,015 1,046 1,066
Net Interest Income / (Expense)		 167 194 221 246 445 466 434 663 725 705 726
Total Interest Income		 183 217 255 293 521 514 456 704 977 1,064 1,020
Loans and Leases Interest Income		 163 194 229 261 463 460 393 583 845 918 863
Investment Securities Interest Income		 18 21 24 30 53 53 61 114 116 111 107
Other Interest Income		 2.21 1.61 1.62 2.02 4.90 1.02 1.80 7.56 15 34 50
Total Interest Expense		 16 23 33 46 76 48 23 41 251 358 294
Deposits Interest Expense		 7.17 9.42 15 29 60 39 15 28 210 309 278
Long-Term Debt Interest Expense		 6.77 11 15 13 10 6.95 6.50 8.78 15 13 9.23
Federal Funds Purchased and Securities Sold Interest Expense		 1.72 2.23 2.91 4.27 5.74 2.22 1.27 3.93 8.41 7.25 6.05
Other Interest Expense		 0.12 0.12 0.15 0.05 0.09 0.02 0.02 0.04 18 30 0.07
Total Non-Interest Income		 90 105 125 163 188 201 185 260 290 341 340
Other Service Charges		 60 194 2.22 2.49 160 168 179 252 5.72 6.68 7.07
Net Realized & Unrealized Capital Gains on Investments		 1.48 2.37 1.98 25 27 32 4.44 5.98 9.82 2.31 -3.10
Other Non-Interest Income		 29 0.92 233 136 1.25 1.28 1.25 1.80 274 332 336
Provision for Credit Losses		 7.79 13 11 13 26 153 -117 48 88 61 49
Total Non-Interest Expense		 165 189 226 225 413 369 379 574 562 638 636
Salaries and Employee Benefits		 84 96 114 123 183 194 214 284 289 333 357
Net Occupancy & Equipment Expense		 30 33 39 40 67 68 76 103 103 104 108
Marketing Expense		 11 12 3.96 11 62 10 17 50 12 8.30 8.39
Property & Liability Insurance Claims		 2.85 2.61 2.22 -5.82 1.48 2.15 -11 6.10 16 12 10
Other Operating Expenses		 38 45 66 57 83 91 81 132 141 181 151
Other Special Charges		 0.65 0.00 0.70 0.00 0.00 2.28 1.09 - 0.00 0.00 1.50
Income Tax Expense		 30 33 58 36 46 32 86 78 96 84 93
Net Income / (Loss) Attributable to Noncontrolling Interest		 - - 0.00 0.00 -0.89 -1.45 0.16 0.27 -0.13 -0.18 -0.10
Basic Earnings per Share		 $1.88 $2.12 $1.60 $4.27 $3.02 $2.27 $5.71 $3.50 $4.40 $4.43 $5.11
Weighted Average Basic Shares Outstanding		 28.44M 30.28M 31.40M 31.37M 51.06M 47.49M 65.38M 61.47M 60.28M 58.56M 52.73M
Diluted Earnings per Share		 $1.85 $2.06 $1.56 $4.19 $3.00 $2.27 $5.69 $3.49 $4.40 $4.41 $5.09
Weighted Average Diluted Shares Outstanding		 28.44M 30.28M 31.40M 31.37M 51.06M 47.49M 65.38M 61.47M 60.28M 58.56M 52.73M
Weighted Average Basic & Diluted Shares Outstanding		 28.44M 30.28M 31.40M 31.37M 51.06M 47.49M 65.38M 61.47M 60.28M 58.56M 52.73M
Cash Dividends to Common per Share		 $0.21 $0.25 $0.30 $0.42 $0.47 $0.48 $0.51 $0.56 $0.60 $0.60 $0.66

Quarterly Income Statements for WSFS Financial

This table shows WSFS Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 64 66 69 64 64 66 72 76 73 87 84
Consolidated Net Income / (Loss)		 64 66 69 64 64 66 72 76 73 87 84
Net Income / (Loss) Continuing Operations		 64 66 69 64 64 66 72 76 73 87 84
Total Pre-Tax Income 		93 87 90 86 84 87 96 101 97 114 111
Total Revenue		 265 251 266 268 262 256 268 270 272 275 282
Net Interest Income / (Expense)		 178 175 174 178 178 175 179 184 187 185 193
Total Interest Income		 257 262 265 273 263 251 253 258 257 249 257
Loans and Leases Interest Income		 225 225 231 236 227 217 216 218 212 205 208
Investment Securities Interest Income		 28 28 28 28 27 27 27 26 27 27 30
Other Interest Income		 4.04 8.84 6.46 9.88 9.27 7.20 10 14 18 17 18
Total Interest Expense		 79 86 91 96 85 76 74 74 70 64 64
Deposits Interest Expense		 67 73 77 81 79 71 70 71 66 59 60
Long-Term Debt Interest Expense		 2.67 2.76 2.80 3.92 3.18 3.01 2.04 1.68 2.50 3.21 3.26
Federal Funds Purchased and Securities Sold Interest Expense		 2.13 1.76 1.79 1.78 1.93 1.52 1.52 1.53 1.48 1.36 1.37
Other Interest Expense		 6.99 9.04 9.50 9.54 1.48 0.02 0.02 0.01 0.02 0.02 0.02
Total Non-Interest Income		 87 76 92 90 83 81 88 86 85 90 90
Other Service Charges		 -133 75 89 1.51 82 81 88 2.09 2.08 90 94
Net Realized & Unrealized Capital Gains on Investments		 9.83 - 2.13 0.06 0.12 - 0.02 0.94 - - -3.98
Provision for Credit Losses		 25 15 20 18 8.04 17 13 6.57 13 -2.00 5.04
Total Non-Interest Expense		 148 149 156 164 169 152 159 163 162 163 166
Salaries and Employee Benefits		 70 76 83 86 88 82 89 92 94 92 96
Net Occupancy & Equipment Expense		 28 24 26 27 27 27 28 26 27 28 27
Marketing Expense		 2.27 1.99 2.18 2.10 2.03 1.75 1.60 2.35 2.69 2.19 2.63
Property & Liability Insurance Claims		 7.91 3.98 2.39 2.88 2.91 2.58 2.43 2.74 2.54 2.63 2.52
Other Operating Expenses		 40 43 42 46 50 38 39 39 35 38 38
Income Tax Expense		 29 21 21 21 20 21 23 24 25 28 27
Net Income / (Loss) Attributable to Noncontrolling Interest		 -0.40 -0.04 -0.07 -0.03 -0.05 -0.03 -0.11 0.02 0.02 0.02 -0.07
Basic Earnings per Share		 $1.05 $1.09 $1.16 $1.09 $1.09 $1.13 $1.28 $1.37 $1.33 $1.64 $1.63
Weighted Average Basic Shares Outstanding		 60.28M 60.35M 59.83M 59.19M 58.56M 58.45M 56.70M 55.80M 52.73M 52.85M 51.80M
Diluted Earnings per Share		 $1.05 $1.09 $1.16 $1.08 $1.08 $1.12 $1.27 $1.37 $1.33 $1.64 $1.63
Weighted Average Diluted Shares Outstanding		 60.28M 60.52M 59.96M 59.39M 58.56M 58.71M 56.85M 55.96M 52.73M 53.03M 51.94M
Weighted Average Basic & Diluted Shares Outstanding		 60.28M 60.09M 59.27M 58.90M 58.56M 56.78M 55.97M 54.68M 52.73M 52.04M 51.09M

Annual Cash Flow Statements for WSFS Financial

This table details how cash moves in and out of WSFS Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 53 261 -98 -103 -49 1,083 -122 -696 256 62 544
Net Cash From Operating Activities		 74 80 130 136 90 15 126 481 237 220 220
Net Cash From Continuing Operating Activities		 74 80 130 136 90 15 126 481 237 220 220
Net Income / (Loss) Continuing Operations		 54 64 50 135 148 113 272 223 269 263 287
Consolidated Net Income / (Loss)		 54 64 50 135 148 113 272 223 269 263 287
Provision For Loan Losses		 7.79 13 23 13 26 153 -117 48 88 61 49
Depreciation Expense		 6.30 7.48 8.56 8.33 16 15 15 24 18 14 12
Amortization Expense		 20 22 22 18 -12 -37 -16 36 31 26 26
Non-Cash Adjustments to Reconcile Net Income		 -17 -29 24 -31 -117 -216 33 -69 -123 -106 -14
Changes in Operating Assets and Liabilities, net		 3.46 2.49 2.34 -7.58 29 -14 -61 219 -45 -39 -140
Net Cash From Investing Activities		 -276 -277 -389 -360 294 -875 -1,492 -137 -326 -67 125
Net Cash From Continuing Investing Activities		 -276 -277 -389 -360 294 -875 -1,492 -137 -326 -67 125
Purchase of Property, Leasehold Improvements and Equipment		 -8.36 -9.87 -7.73 -5.50 -14 -7.16 -6.58 -8.81 -6.41 -14 -6.39
Purchase of Investment Securities		 -668 -681 -1,201 -601 -1,151 -1,833 -3,679 -1,251 -965 -908 -1,007
Sale of Property, Leasehold Improvements and Equipment		 - 0.00 0.00 0.20 0.07 0.07 0.43 1.19 0.02 0.00 0.00
Divestitures		 - - 0.00 0.00 76 0.00 - - 0.00 0.00 2.43
Sale and/or Maturity of Investments		 404 414 830 416 1,383 1,188 740 1,121 593 849 1,136
Other Investing Activities, net		 -3.59 -0.39 -10 -170 - -222 1,453 0.00 52 6.62 0.00
Net Cash From Financing Activities		 255 457 161 121 -433 1,943 1,245 -1,039 345 -91 199
Net Cash From Continuing Financing Activities		 255 457 161 121 -433 1,943 1,245 -1,039 345 -91 199
Net Change in Deposits		 26 203 480 406 -142 2,274 1,388 -1,156 252 558 604
Issuance of Debt		 63,311 122,075 143,853 83,722 32,320 5,195 1.00 1,873 7,195 13,038 17,410
Issuance of Common Equity		 3.16 1.90 3.42 11 7.76 2.03 1.52 3.18 3.30 0.47 -3.24
Repayment of Debt		 -94,909 -149,504 -167,162 -105,213 -64,752 -13,379 -108 -4,253 -15,288 -15,312 -17,504
Repurchase of Common Equity		 -32 -14 -12 -31 -97 -156 -13 -200 -55 -96 -290
Payment of Dividends		 -6.00 -7.63 -9.43 -13 -22 -24 -24 -36 -37 -36 -37
Other Financing Activities, Net		 31,862 27,703 23,008 21,240 32,253 8,030 0.00 2,729 8,274 1,757 20
Cash Interest Paid		 16 22 34 46 75 50 23 36 210 367 312
Cash Income Taxes Paid		 23 25 31 33 34 73 41 58 99 82 75

Quarterly Cash Flow Statements for WSFS Financial

This table details how cash moves in and out of WSFS Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 481 -116 45 -31 164 -138 314 242 126 772 99
Net Cash From Operating Activities		 -51 113 45 3.15 59 8.75 37 122 53 86 -13
Net Cash From Continuing Operating Activities		 -51 113 45 3.15 59 8.75 37 122 53 86 -13
Net Income / (Loss) Continuing Operations		 64 66 69 64 64 66 72 76 73 87 84
Consolidated Net Income / (Loss)		 64 66 69 64 64 66 72 76 73 87 84
Provision For Loan Losses		 25 15 20 18 8.04 17 13 6.57 13 -2.00 5.04
Depreciation Expense		 3.96 4.10 3.32 3.26 3.20 3.22 2.85 2.85 3.17 4.65 2.70
Amortization Expense		 1.45 6.77 -5.36 18 -18 6.38 6.26 5.60 7.32 0.25 12
Non-Cash Adjustments to Reconcile Net Income		 -38 -5.90 -48 -18 -21 -14 -46 76 -31 -7.30 -95
Changes in Operating Assets and Liabilities, net		 -107 27 5.91 -83 22 -70 -11 -46 -13 3.93 -22
Net Cash From Investing Activities		 86 -142 -67 -81 224 133 141 120 -269 -52 -341
Net Cash From Continuing Investing Activities		 86 -142 -67 -81 224 133 141 120 -269 -52 -341
Purchase of Property, Leasehold Improvements and Equipment		 -3.45 -4.23 -2.72 -3.64 -3.66 -2.43 -1.98 -1.23 -0.75 -0.89 -1.74
Purchase of Investment Securities		 390 -116 -375 -191 -88 -154 -139 -173 -540 -342 -561
Sale and/or Maturity of Investments		 134 96 186 393 175 211 240 245 439 290 344
Other Investing Activities, net		 -435 -118 124 -279 141 78 39 50 -167 1.36 -122
Net Cash From Financing Activities		 447 -87 67 47 -119 -279 136 -0.21 343 738 453
Net Cash From Continuing Financing Activities		 447 -87 67 47 -119 -279 136 -0.21 343 738 453
Net Change in Deposits		 490 -292 99 148 603 -146 228 107 416 834 532
Issuance of Debt		 1,250 1,950 1,972 6,928 2,188 2,950 3,000 3,250 8,210 4,000 4,550
Issuance of Common Equity		 0.88 0.60 -1.70 1.44 0.13 0.64 -3.82 0.23 -0.28 -1.09 -1.37
Repayment of Debt		 -2,955 -1,950 -2,125 -7,112 -4,125 -3,020 -3,000 -3,301 -8,183 -4,000 -4,550
Repurchase of Common Equity		 -9.95 -21 -40 -14 -21 -54 -78 -47 -110 -86 -67
Payment of Dividends		 -9.11 -9.07 -9.02 -8.89 -8.82 -8.79 -9.63 -9.50 -9.26 -9.03 -10
Cash Interest Paid		 75 95 72 79 120 78 81 78 76 63 68
Cash Income Taxes Paid		 26 2.29 34 20 25 14 19 17 25 2.44 31

Annual Balance Sheets for WSFS Financial

This table presents WSFS Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 5,585 6,765 7,000 7,249 12,256 14,334 15,777 19,915 20,595 20,814 21,314
Cash and Due from Banks		 561 818 720 620 572 1,647 1,528 832 1,088 1,153 1,690
Interest Bearing Deposits at Other Banks		 0.19 3.54 3.61 1.17 0.21 7.69 5.42 5.28 4.70 1.78 8.89
Trading Account Securities		 929 1,014 1,030 1,380 2,029 2,838 5,319 5,248 4,934 4,576 4,572
Loans and Leases, Net of Allowance		 3,729 0.00 0.00 0.00 0.00 0.00 7,791 11,760 12,583 12,996 13,082
Premises and Equipment, Net		 40 49 48 45 104 97 87 116 104 86 80
Intangible Assets		 10 24 22 20 96 85 74 129 1,005 988 970
Other Assets		 207 245 233 153 8,983 9,187 500 942 875 1,014 911
Total Liabilities & Shareholders' Equity		 5,585 6,765 7,000 7,249 12,256 14,334 15,777 19,915 20,595 20,814 21,314
Total Liabilities		 5,004 6,078 6,275 6,428 10,407 12,544 13,840 17,713 18,125 18,235 18,586
Non-Interest Bearing Deposits		 958 1,266 1,421 1,626 2,190 3,415 4,565 5,740 4,917 4,988 5,577
Interest Bearing Deposits		 3,058 3,472 3,827 4,014 7,397 8,442 8,675 10,464 11,557 12,042 12,066
Short-Term Debt		 14 64 35 48 16 - 25 38 586 23 15
Accrued Interest Payable		 0.80 1.15 1.04 1.90 3.10 1.45 0.74 5.17 47 38 20
Long-Term Debt		 790 1,073 875 494 278 341 215 689 309 361 288
Other Long-Term Liabilities		 54 71 89 86 328 346 360 777 709 783 621
Total Equity & Noncontrolling Interests		 580 687 724 821 1,849 1,789 1,937 2,202 2,470 2,579 2,728
Total Preferred & Common Equity		 580 687 724 821 1,850 1,792 1,939 2,205 2,478 2,590 2,739
Total Common Equity		 580 687 724 821 1,850 1,792 1,939 2,205 2,478 2,590 2,739
Common Stock		 257 330 337 350 1,050 1,054 1,060 1,975 1,986 1,997 2,007
Retained Earnings		 571 627 670 791 917 977 1,225 1,411 1,644 1,872 2,122
Treasury Stock		 -248 -262 -274 -305 -140 -295 -307 -505 -558 -654 -944
Accumulated Other Comprehensive Income / (Loss)		 0.70 -7.62 -8.15 -15 24 56 -38 -676 -594 -625 -446
Noncontrolling Interest		 - - - 0.00 -0.82 -2.25 -2.08 -3.23 -7.82 -10 -10

Quarterly Balance Sheets for WSFS Financial

This table presents WSFS Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 20,319 20,386 20,041 20,579 20,745 20,905 20,549 20,763 20,840 22,107 22,654
Cash and Due from Banks		 1,096 1,109 606 974 1,019 987 1,016 1,324 1,564 2,466 2,566
Interest Bearing Deposits at Other Banks		 6.99 6.35 5.53 2.82 2.79 4.19 0.94 7.04 8.83 5.88 4.99
Trading Account Securities		 4,126 3,998 4,797 4,811 4,745 4,806 4,607 4,647 4,545 4,613 4,818
Loans and Leases, Net of Allowance		 0.00 12,168 12,502 12,790 12,946 13,125 12,923 12,808 12,777 13,081 13,290
Premises and Equipment, Net		 112 108 105 105 104 104 85 84 83 77 76
Intangible Assets		 125 121 123 1,000 996 992 984 978 974 966 962
Other Assets		 13,970 1,991 1,017 896 931 887 933 915 889 898 937
Total Liabilities & Shareholders' Equity		 20,319 20,386 20,041 20,579 20,745 20,905 20,549 20,763 20,840 22,107 22,654
Total Liabilities		 18,016 18,078 17,806 18,114 18,266 18,238 17,888 18,091 18,098 19,393 19,943
Non-Interest Bearing Deposits		 5,299 5,462 4,914 4,653 4,783 4,686 4,947 5,306 5,237 6,372 7,008
Interest Bearing Deposits		 10,891 10,965 11,073 11,534 11,508 11,741 11,932 11,816 11,989 12,097 11,995
Short-Term Debt		 - 591 584 816 811 723 27 13 15 22 19
Accrued Interest Payable		 15 26 42 38 57 73 36 29 26 20 16
Long-Term Debt		 1,138 309 309 309 332 353 291 291 240 288 288
Other Long-Term Liabilities		 673 725 859 764 776 663 655 637 591 594 616
Total Equity & Noncontrolling Interests		 2,303 2,307 2,235 2,466 2,478 2,667 2,661 2,672 2,743 2,714 2,711
Total Preferred & Common Equity		 2,306 2,315 2,243 2,473 2,490 2,678 2,672 2,683 2,753 2,724 2,722
Total Common Equity		 2,306 2,315 2,243 2,473 2,490 2,678 2,672 2,683 2,753 2,724 2,722
Common Stock		 1,979 1,979 1,982 1,989 1,990 1,995 2,001 2,000 2,003 2,009 2,011
Retained Earnings		 1,464 1,524 1,589 1,700 1,761 1,816 1,929 1,991 2,058 2,200 2,274
Treasury Stock		 -518 -532 -548 -579 -618 -633 -708 -787 -834 -1,030 -1,097
Accumulated Other Comprehensive Income / (Loss)		 -618 -656 -781 -637 -643 -500 -549 -522 -475 -454 -466
Noncontrolling Interest		 -3.02 -7.28 -7.42 -7.86 -11 -11 -10 -11 -10 -10 -11

Annual Metrics And Ratios for WSFS Financial

This table displays calculated financial ratios and metrics derived from WSFS Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 54,675,949.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 54,675,949.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 5.25
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 15.38% 52.14% 17.24% -10.80% 54.78% 5.36% -7.17% 49.08% 9.96% 3.09% 1.88%
EBITDA Growth		 21.89% 98.26% 15.00% -21.64% 0.67% -38.08% 190.48% 1.08% 7.02% -6.14% 8.09%
EBIT Growth		 15.50% 126.03% 16.72% -22.75% 13.80% -25.42% 146.76% -15.96% 21.51% -4.93% 9.60%
NOPAT Growth		 -0.42% 19.70% -21.59% 168.18% 9.78% -23.39% 139.68% -18.03% 20.83% -2.06% 9.02%
Net Income Growth		 -0.42% 192.07% -67.87% 168.18% 9.78% -23.39% 139.68% -18.03% 20.83% -2.06% 9.02%
EPS Growth		 -4.15% 11.35% -24.27% 168.59% -28.40% -24.33% 150.66% -38.66% 26.07% 0.23% 15.42%
Operating Cash Flow Growth		 9.32% 8.09% 62.34% 4.15% -33.71% -83.15% 729.80% 282.70% -50.71% -7.22% 0.05%
Free Cash Flow Firm Growth		 -240.95% -23.87% 164.15% 68.62% -255.88% 120.06% 77.38% -335.15% 68.45% 498.24% -67.02%
Invested Capital Growth		 34.67% 31.73% -10.45% -16.61% 57.31% -0.64% 2.18% 34.56% 14.89% -11.94% 2.29%
Revenue Q/Q Growth		 6.07% 34.63% 6.81% -13.80% -1.87% 7.13% -2.42% 12.77% 0.65% -0.36% 0.98%
EBITDA Q/Q Growth		 6.54% 79.16% 3.84% -32.11% -9.75% 55.29% 3.31% 14.52% 0.75% -7.31% 10.01%
EBIT Q/Q Growth		 3.31% 106.03% 5.33% -35.11% -6.13% 55.42% -1.46% 15.61% -5.09% -2.39% 3.50%
NOPAT Q/Q Growth		 2.44% 6.88% -35.74% 41.55% 11.88% 14.46% -1.21% 14.40% -7.22% 0.25% 3.06%
Net Income Q/Q Growth		 2.44% 160.79% -70.52% 41.55% 11.88% 14.46% -1.21% 14.40% -7.22% 0.25% 3.06%
EPS Q/Q Growth		 5.71% 7.85% -71.27% 42.52% 1.01% 10.73% -0.18% 4.49% -5.98% 0.68% 5.17%
Operating Cash Flow Q/Q Growth		 0.22% 12.55% -1.96% 4.47% -12.45% -76.42% -50.88% 97.85% -34.49% 99.81% -2.87%
Free Cash Flow Firm Q/Q Growth		 -211.91% 9.04% 50.80% -4.53% 32.29% -71.44% 13.77% -283.75% 53.98% 289.51% -78.55%
Invested Capital Q/Q Growth		 7.97% 3.93% -2.39% 1.40% -11.09% 3.12% 1.58% 18.33% 7.57% -20.82% 1.10%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 42.96% 55.99% 54.92% 48.24% 31.38% 18.44% 57.71% 39.13% 38.08% 34.67% 39.24%
EBIT Margin		 32.60% 48.44% 48.22% 41.76% 30.70% 21.73% 57.77% 32.57% 35.99% 33.19% 35.71%
Profit (Net Income) Margin		 20.83% 39.98% 10.96% 32.94% 23.37% 16.99% 43.87% 24.12% 26.51% 25.18% 26.95%
Tax Burden Percent		 63.88% 160.93% 46.31% 78.89% 76.10% 78.18% 75.93% 74.07% 73.65% 75.88% 75.47%
Interest Burden Percent		 100.00% 51.29% 49.07% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 36.12% 34.04% 53.69% 21.11% 23.90% 21.82% 24.07% 25.93% 26.35% 24.12% 24.53%
Return on Invested Capital (ROIC)		 4.44% 3.99% 2.91% 8.99% 8.44% 5.30% 12.61% 8.72% 8.55% 8.33% 9.59%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.44% 13.49% 2.91% 8.99% 8.44% 5.30% 12.61% 8.72% 8.55% 8.33% 9.59%
Return on Net Nonoperating Assets (RNNOA)		 5.58% 20.67% 4.21% 8.45% 2.64% 0.93% 1.96% 2.04% 2.97% 2.11% 1.24%
Return on Equity (ROE)		 10.01% 24.67% 7.12% 17.44% 11.08% 6.23% 14.58% 10.76% 11.52% 10.44% 10.82%
Cash Return on Invested Capital (CROIC)		 -25.11% -23.39% 13.93% 27.11% -36.11% 5.94% 10.46% -20.75% -5.31% 21.03% 7.32%
Operating Return on Assets (OROA)		 1.61% 3.07% 3.21% 2.40% 1.99% 1.09% 2.38% 1.68% 1.80% 1.68% 1.81%
Return on Assets (ROA)		 1.03% 2.53% 0.73% 1.89% 1.52% 0.85% 1.80% 1.25% 1.33% 1.27% 1.36%
Return on Common Equity (ROCE)		 10.01% 24.67% 7.12% 17.44% 11.08% 6.23% 14.59% 10.77% 11.54% 10.47% 10.87%
Return on Equity Simple (ROE_SIMPLE)		 9.22% 22.75% 6.94% 16.41% 7.99% 6.32% 14.01% 10.10% 10.86% 10.17% 10.49%
Net Operating Profit after Tax (NOPAT)		 54 64 50 135 148 113 272 223 269 263 287
NOPAT Margin		 20.83% 16.39% 10.96% 32.94% 23.37% 16.99% 43.87% 24.12% 26.51% 25.18% 26.95%
Net Nonoperating Expense Percent (NNEP)		 0.00% -9.50% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 48.26% 36.01% 34.26% 42.58% 49.33% 40.90% 49.61% 47.31% 39.86% 42.49% 44.43%
Operating Expenses to Revenue		 64.37% 48.24% 49.39% 55.02% 65.26% 55.30% 61.14% 62.22% 55.33% 60.94% 59.68%
Earnings before Interest and Taxes (EBIT)		 84 189 221 171 194 145 358 301 365 347 381
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 110 219 252 197 199 123 357 361 386 363 418
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.51 1.93 1.91 1.35 1.16 1.20 1.18 1.23 1.11 1.21 1.10
Price to Tangible Book Value (P/TBV)		 1.81 2.68 2.58 1.74 1.68 1.75 1.65 2.27 1.87 1.95 1.70
Price to Revenue (P/Rev)		 3.41 3.40 3.02 2.70 3.40 3.23 3.71 2.93 2.71 2.98 2.83
Price to Earnings (P/E)		 16.38 8.49 27.52 8.20 14.47 18.79 8.46 12.18 10.21 11.84 10.48
Dividend Yield		 0.71% 0.59% 0.68% 1.19% 1.14% 1.12% 1.06% 1.27% 1.33% 1.13% 1.20%
Earnings Yield		 6.10% 11.77% 3.63% 12.20% 6.91% 5.32% 11.82% 8.21% 9.80% 8.45% 9.54%
Enterprise Value to Invested Capital (EV/IC)		 0.81 0.90 0.96 0.75 0.87 0.39 0.46 0.89 0.76 0.79 0.53
Enterprise Value to Revenue (EV/Rev)		 4.36 4.20 3.42 2.51 2.96 1.26 1.62 2.81 2.50 2.24 1.51
Enterprise Value to EBITDA (EV/EBITDA)		 10.15 7.51 6.23 5.20 9.44 6.83 2.80 7.19 6.58 6.45 3.84
Enterprise Value to EBIT (EV/EBIT)		 13.37 8.68 7.09 6.00 9.65 5.80 2.80 8.63 6.96 6.74 4.22
Enterprise Value to NOPAT (EV/NOPAT)		 20.93 25.65 31.22 7.61 12.68 7.42 3.69 11.66 9.45 8.88 5.59
Enterprise Value to Operating Cash Flow (EV/OCF)		 15.11 20.50 12.05 7.56 20.87 55.50 7.97 5.40 10.73 10.64 7.30
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 6.51 2.52 0.00 6.62 4.45 0.00 0.00 3.52 7.32
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.39 1.65 1.26 0.66 0.16 0.19 0.12 0.33 0.36 0.15 0.11
Long-Term Debt to Equity		 1.36 1.56 1.21 0.60 0.15 0.19 0.11 0.31 0.13 0.14 0.11
Financial Leverage		 1.26 1.53 1.45 0.94 0.31 0.17 0.16 0.23 0.35 0.25 0.13
Leverage Ratio		 9.76 9.74 9.75 9.22 7.30 7.31 8.08 8.62 8.67 8.20 7.94
Compound Leverage Factor		 9.76 5.00 4.78 9.22 7.30 7.31 8.08 8.62 8.67 8.20 7.94
Debt to Total Capital		 58.10% 62.33% 55.67% 39.76% 13.73% 15.99% 11.00% 24.82% 26.60% 12.95% 9.99%
Short-Term Debt to Total Capital		 1.05% 3.52% 2.12% 3.52% 0.75% 0.00% 1.13% 1.31% 17.42% 0.78% 0.49%
Long-Term Debt to Total Capital		 57.05% 58.82% 53.56% 36.24% 12.98% 15.99% 9.88% 23.51% 9.18% 12.17% 9.50%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% -0.04% -0.11% -0.10% -0.11% -0.23% -0.35% -0.35%
Common Equity to Total Capital		 41.90% 37.67% 44.33% 60.24% 86.31% 84.11% 89.09% 75.29% 73.63% 87.40% 90.36%
Debt to EBITDA		 7.29 5.19 3.61 2.75 1.48 2.77 0.67 2.01 2.32 1.06 0.72
Net Debt to EBITDA		 2.21 1.44 0.74 -0.40 -1.40 -10.68 -3.62 -0.31 -0.51 -2.13 -3.34
Long-Term Debt to EBITDA		 7.16 4.90 3.48 2.50 1.40 2.77 0.60 1.91 0.80 0.99 0.69
Debt to NOPAT		 15.03 17.75 18.11 4.02 1.99 3.01 0.88 3.26 3.33 1.46 1.05
Net Debt to NOPAT		 4.55 4.92 3.70 -0.59 -1.88 -11.60 -4.76 -0.50 -0.74 -2.93 -4.86
Long-Term Debt to NOPAT		 14.76 16.75 17.42 3.67 1.88 3.01 0.79 3.09 1.15 1.37 1.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% -0.03% -0.08% -0.12% -0.13% -0.24% -0.36% -0.39%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -303 -375 241 406 -633 127 225 -530 -167 665 219
Operating Cash Flow to CapEx		 887.07% 812.11% 1,684.37% 2,557.04% 636.13% 213.57% 2,043.39% 6,312.08% 3,709.55% 1,542.29% 3,443.94%
Free Cash Flow to Firm to Interest Expense		 -19.21 -16.44 7.20 8.73 -8.31 2.62 9.91 -12.94 -0.66 1.86 0.75
Operating Cash Flow to Interest Expense		 4.70 3.51 3.89 2.92 1.18 0.31 5.53 11.75 0.94 0.61 0.75
Operating Cash Flow Less CapEx to Interest Expense		 4.17 3.08 3.66 2.80 0.99 0.17 5.26 11.56 0.92 0.57 0.73
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.06 0.07 0.06 0.06 0.05 0.04 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 6.89 8.84 9.47 8.80 8.47 6.64 6.74 9.10 9.22 10.98 12.82
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,385 1,825 1,634 1,363 2,144 2,130 2,176 2,929 3,365 2,963 3,031
Invested Capital Turnover		 0.21 0.24 0.27 0.27 0.36 0.31 0.29 0.36 0.32 0.33 0.36
Increase / (Decrease) in Invested Capital		 357 440 -191 -271 781 -14 46 752 436 -402 68
Enterprise Value (EV)		 1,120 1,643 1,569 1,025 1,876 840 1,002 2,595 2,542 2,340 1,606
Market Capitalization		 877 1,328 1,383 1,104 2,154 2,157 2,297 2,709 2,748 3,121 3,013
Book Value per Share		 $19.44 $21.94 $23.08 $26.17 $35.48 $35.55 $40.76 $35.81 $40.80 $43.97 $50.09
Tangible Book Value per Share		 $16.25 $15.84 $17.07 $20.24 $24.58 $24.49 $29.26 $19.37 $24.26 $27.19 $32.35
Total Capital		 1,385 1,825 1,634 1,363 2,144 2,130 2,176 2,929 3,365 2,963 3,031
Total Debt		 805 1,137 910 542 294 341 239 727 895 384 303
Total Long-Term Debt		 790 1,073 875 494 278 341 215 689 309 361 288
Net Debt		 244 316 186 -79 -277 -1,314 -1,293 -110 -198 -771 -1,396
Capital Expenditures (CapEx)		 8.36 9.87 7.73 5.30 14 7.09 6.15 7.62 6.39 14 6.39
Net Nonoperating Expense (NNE)		 0.00 -92 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 805 1,137 910 542 294 341 239 727 895 384 303
Total Depreciation and Amortization (D&A)		 27 30 31 27 4.27 -22 -0.42 61 21 15 38
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.88 $2.12 $1.60 $4.27 $3.02 $2.27 $5.71 $3.50 $4.40 $4.43 $5.11
Adjusted Weighted Average Basic Shares Outstanding		 29.69M 31.39M 31.40M 31.37M 51.06M 47.49M 65.38M 61.47M 60.28M 58.56M 52.73M
Adjusted Diluted Earnings per Share		 $1.85 $2.06 $1.56 $4.19 $3.00 $2.27 $5.69 $3.49 $4.40 $4.41 $5.09
Adjusted Weighted Average Diluted Shares Outstanding		 29.69M 31.39M 31.40M 31.37M 51.06M 47.49M 65.38M 61.47M 60.28M 58.56M 52.73M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 29.69M 31.39M 31.40M 31.37M 51.06M 47.49M 65.38M 61.47M 60.28M 58.56M 52.73M
Normalized Net Operating Profit after Tax (NOPAT)		 54 64 76 135 160 116 272 223 269 263 288
Normalized NOPAT Margin		 20.99% 16.39% 16.67% 32.94% 25.31% 17.32% 44.00% 24.12% 26.51% 25.18% 27.05%
Pre Tax Income Margin		 32.60% 24.84% 23.66% 41.76% 30.70% 21.73% 57.77% 32.57% 35.99% 33.19% 35.71%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 5.31 8.30 6.61 3.67 2.55 2.99 15.74 7.35 1.45 0.97 1.30
NOPAT to Interest Expense		 3.39 2.81 1.50 2.90 1.94 2.34 11.95 5.44 1.07 0.74 0.98
EBIT Less CapEx to Interest Expense		 4.78 7.86 6.38 3.56 2.37 2.85 15.47 7.16 1.43 0.93 1.27
NOPAT Less CapEx to Interest Expense		 2.86 2.37 1.27 2.78 1.76 2.19 11.68 5.25 1.04 0.70 0.96
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 11.21% 4.88% 18.76% 9.83% 15.19% 21.50% 8.93% 16.05% 13.66% 13.59% 12.94%
Augmented Payout Ratio		 70.35% 14.03% 42.15% 32.99% 80.89% 159.02% 13.81% 105.92% 33.97% 50.14% 113.99%

Quarterly Metrics And Ratios for WSFS Financial

This table displays calculated financial ratios and metrics derived from WSFS Financial's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - - - - 54,675,949.00 52,732,172.00 52,044,046.00
DEI Adjusted Shares Outstanding		 - - - - - - - - 54,675,949.00 52,732,172.00 52,044,046.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - 1.33 1.65 1.62
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.54% 2.23% 6.97% 4.85% -1.44% 1.98% 0.55% 1.06% 3.96% 7.47% 5.59%
EBITDA Growth		 -20.60% 2.21% -15.84% 22.18% -29.11% -1.26% 4.46% 14.94% 14.75% 23.62% 19.88%
EBIT Growth		 -17.42% 3.97% -1.27% -11.99% -9.17% 0.05% 5.61% 17.96% 15.27% 31.64% 16.31%
NOPAT Growth		 -24.79% 4.88% 0.89% -13.27% 1.02% 0.22% 4.35% 18.72% 13.31% 31.85% 16.77%
Net Income Growth		 -24.79% 4.88% 0.89% -13.27% 1.02% 0.22% 4.35% 18.72% 13.31% 31.85% 16.77%
EPS Growth		 -21.05% 7.92% 3.57% -11.48% 2.86% 2.75% 9.48% 26.85% 23.15% 46.43% 28.35%
Operating Cash Flow Growth		 -168.70% 273.84% -51.45% -98.09% 216.21% -92.25% -17.08% 3,759.13% -11.00% 887.57% -134.19%
Free Cash Flow Firm Growth		 44.21% 82.95% 24.38% 5.04% 225.08% 912.83% 308.16% 249.35% -98.94% -93.83% -94.16%
Invested Capital Growth		 14.89% 4.33% 12.90% 19.63% -11.94% -17.02% -17.81% -19.89% 2.29% 1.51% 1.43%
Revenue Q/Q Growth		 3.94% -5.35% 5.94% 0.61% -2.30% -2.07% 4.45% 1.12% 0.51% 1.24% 2.62%
EBITDA Q/Q Growth		 12.37% 26.37% -9.57% 20.84% -34.80% 38.60% 8.37% 4.46% -1.46% 10.82% 5.09%
EBIT Q/Q Growth		 -4.42% -6.40% 4.07% -5.47% -1.36% 3.10% 9.86% 5.58% -3.61% 17.74% -2.93%
NOPAT Q/Q Growth		 -14.49% 3.49% 5.30% -6.93% -0.39% 2.67% 9.65% 5.88% -4.93% 19.47% -2.90%
Net Income Q/Q Growth		 -14.49% 3.49% 5.30% -6.93% -0.39% 2.67% 9.65% 5.88% -4.93% 19.47% -2.90%
EPS Q/Q Growth		 -13.93% 3.81% 6.42% -6.90% 0.00% 3.70% 13.39% 7.87% -2.92% 23.31% -0.61%
Operating Cash Flow Q/Q Growth		 -130.74% 322.16% -60.27% -92.98% 1,774.88% -85.19% 325.15% 226.82% -56.76% 64.38% -114.72%
Free Cash Flow Firm Q/Q Growth		 35.62% 77.64% -313.56% -59.51% 184.81% 45.29% 5.91% 14.45% -99.40% 748.58% 0.40%
Invested Capital Q/Q Growth		 7.57% 6.71% 0.84% 3.36% -20.82% 0.55% -0.12% 0.75% 1.10% -0.21% -0.21%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.04% 38.94% 33.24% 39.92% 26.64% 37.70% 39.12% 40.41% 39.62% 43.37% 44.41%
EBIT Margin		 35.00% 34.61% 34.00% 31.95% 32.26% 33.96% 35.72% 37.29% 35.76% 41.59% 39.34%
Profit (Net Income) Margin		 23.93% 26.17% 26.01% 24.06% 24.53% 25.72% 27.00% 28.27% 26.74% 31.55% 29.85%
Tax Burden Percent		 68.38% 75.61% 76.50% 75.32% 76.06% 75.74% 75.59% 75.81% 74.76% 75.86% 75.89%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 31.62% 24.39% 23.50% 24.68% 23.94% 24.26% 24.41% 24.19% 25.24% 24.14% 24.11%
Return on Invested Capital (ROIC)		 7.72% 7.60% 7.91% 7.36% 8.11% 8.23% 8.62% 8.86% 9.51% 11.41% 10.96%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.72% 7.60% 7.91% 7.36% 8.11% 8.23% 8.62% 8.86% 9.51% 11.41% 10.96%
Return on Net Nonoperating Assets (RNNOA)		 2.68% 3.60% 3.37% 2.95% 2.05% 2.32% 2.42% 2.18% 1.23% 1.33% 1.24%
Return on Equity (ROE)		 10.40% 11.20% 11.28% 10.31% 10.17% 10.55% 11.04% 11.03% 10.74% 12.74% 12.20%
Cash Return on Invested Capital (CROIC)		 -5.31% 3.50% -4.13% -10.22% 21.03% 26.63% 27.64% 30.36% 7.32% 8.77% 9.27%
Operating Return on Assets (OROA)		 1.75% 1.73% 1.72% 1.64% 1.63% 1.74% 1.81% 1.89% 1.81% 2.12% 1.99%
Return on Assets (ROA)		 1.20% 1.31% 1.31% 1.23% 1.24% 1.31% 1.37% 1.43% 1.35% 1.61% 1.51%
Return on Common Equity (ROCE)		 10.42% 11.23% 11.33% 10.35% 10.20% 10.59% 11.08% 11.08% 10.78% 12.79% 12.25%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 11.00% 10.95% 9.81% 0.00% 9.87% 9.94% 10.12% 0.00% 11.31% 11.77%
Net Operating Profit after Tax (NOPAT)		 64 66 69 64 64 66 72 76 73 87 84
NOPAT Margin		 23.93% 26.17% 26.01% 24.06% 24.53% 25.72% 27.00% 28.27% 26.74% 31.55% 29.85%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 37.57% 40.47% 41.98% 42.92% 44.51% 43.55% 44.25% 44.54% 45.34% 44.51% 44.47%
Operating Expenses to Revenue		 55.65% 59.36% 58.55% 61.17% 64.67% 59.27% 59.57% 60.28% 59.58% 59.13% 58.87%
Earnings before Interest and Taxes (EBIT)		 93 87 90 86 84 87 96 101 97 114 111
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 98 98 88 107 70 97 105 109 108 119 125
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.11 1.09 1.13 1.13 1.21 1.14 1.16 1.10 1.10 1.27 1.47
Price to Tangible Book Value (P/TBV)		 1.87 1.84 1.89 1.79 1.95 1.80 1.83 1.70 1.70 1.96 2.27
Price to Revenue (P/Rev)		 2.71 2.65 2.71 2.88 2.98 2.89 2.97 2.86 2.83 3.18 3.63
Price to Earnings (P/E)		 10.21 9.92 10.31 11.47 11.84 11.51 11.70 10.82 10.48 11.20 12.47
Dividend Yield		 1.33% 1.34% 1.28% 1.18% 1.13% 1.16% 1.13% 1.19% 1.20% 1.04% 0.93%
Earnings Yield		 9.80% 10.08% 9.70% 8.71% 8.45% 8.69% 8.55% 9.24% 9.54% 8.93% 8.02%
Enterprise Value to Invested Capital (EV/IC)		 0.76 0.79 0.81 0.83 0.79 0.78 0.70 0.56 0.53 0.42 0.57
Enterprise Value to Revenue (EV/Rev)		 2.50 2.79 2.82 2.95 2.24 2.21 1.98 1.60 1.51 1.18 1.56
Enterprise Value to EBITDA (EV/EBITDA)		 6.58 7.32 7.86 7.91 6.45 6.44 5.69 4.44 3.84 2.90 3.72
Enterprise Value to EBIT (EV/EBIT)		 6.96 7.72 7.96 8.70 6.74 6.70 5.91 4.60 4.22 3.14 4.06
Enterprise Value to NOPAT (EV/NOPAT)		 9.45 10.45 10.73 11.78 8.88 8.83 7.82 6.06 5.59 4.15 5.37
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.73 8.90 10.75 28.12 10.64 20.11 19.28 7.46 7.30 4.30 6.94
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 23.11 0.00 0.00 3.52 2.66 2.29 1.65 7.32 4.87 6.19
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.36 0.46 0.46 0.40 0.15 0.12 0.11 0.09 0.11 0.11 0.11
Long-Term Debt to Equity		 0.13 0.13 0.13 0.13 0.14 0.11 0.11 0.09 0.11 0.11 0.11
Financial Leverage		 0.35 0.47 0.43 0.40 0.25 0.28 0.28 0.25 0.13 0.12 0.11
Leverage Ratio		 8.67 8.58 8.59 8.35 8.20 8.02 8.06 7.72 7.94 7.94 8.07
Compound Leverage Factor		 8.67 8.58 8.59 8.35 8.20 8.02 8.06 7.72 7.94 7.94 8.07
Debt to Total Capital		 26.60% 31.33% 31.55% 28.73% 12.95% 10.68% 10.20% 8.51% 9.99% 10.26% 10.17%
Short-Term Debt to Total Capital		 17.42% 22.72% 22.39% 19.31% 0.78% 0.92% 0.43% 0.51% 0.49% 0.74% 0.62%
Long-Term Debt to Total Capital		 9.18% 8.61% 9.16% 9.42% 12.17% 9.75% 9.77% 8.00% 9.50% 9.52% 9.55%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 -0.23% -0.22% -0.31% -0.30% -0.35% -0.35% -0.35% -0.35% -0.35% -0.35% -0.36%
Common Equity to Total Capital		 73.63% 68.89% 68.76% 71.57% 87.40% 89.67% 90.16% 91.84% 90.36% 90.08% 90.18%
Debt to EBITDA		 2.32 2.89 3.07 2.75 1.06 0.88 0.83 0.67 0.72 0.70 0.66
Net Debt to EBITDA		 -0.51 0.38 0.32 0.22 -2.13 -1.93 -2.81 -3.47 -3.34 -4.90 -4.90
Long-Term Debt to EBITDA		 0.80 0.80 0.89 0.90 0.99 0.80 0.79 0.63 0.69 0.65 0.62
Debt to NOPAT		 3.33 4.13 4.19 4.09 1.46 1.21 1.14 0.92 1.05 1.01 0.96
Net Debt to NOPAT		 -0.74 0.54 0.44 0.32 -2.93 -2.65 -3.86 -4.73 -4.86 -7.01 -7.07
Long-Term Debt to NOPAT		 1.15 1.14 1.22 1.34 1.37 1.10 1.09 0.86 1.00 0.93 0.90
Noncontrolling Interest Sharing Ratio		 -0.24% -0.23% -0.39% -0.38% -0.36% -0.36% -0.42% -0.40% -0.39% -0.39% -0.39%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -373 -83 -345 -550 466 677 717 821 4.92 42 42
Operating Cash Flow to CapEx		 -1,477.29% 2,666.34% 1,646.26% 86.56% 1,611.79% 359.77% 1,881.78% 9,863.96% 7,015.35% 9,759.66% -732.80%
Free Cash Flow to Firm to Interest Expense		 -4.71 -0.96 -3.79 -5.73 5.47 8.95 9.73 11.03 0.07 0.65 0.65
Operating Cash Flow to Interest Expense		 -0.64 1.31 0.49 0.03 0.69 0.12 0.50 1.63 0.75 1.35 -0.20
Operating Cash Flow Less CapEx to Interest Expense		 -0.69 1.26 0.46 -0.01 0.65 0.08 0.48 1.62 0.74 1.33 -0.22
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 9.22 9.42 9.77 10.03 10.98 11.08 11.18 11.28 12.82 13.41 13.75
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,365 3,591 3,621 3,742 2,963 2,979 2,976 2,998 3,031 3,024 3,018
Invested Capital Turnover		 0.32 0.29 0.30 0.31 0.33 0.32 0.32 0.31 0.36 0.36 0.37
Increase / (Decrease) in Invested Capital		 436 149 414 614 -402 -611 -645 -744 68 45 42
Enterprise Value (EV)		 2,542 2,844 2,925 3,095 2,340 2,328 2,084 1,690 1,606 1,280 1,719
Market Capitalization		 2,748 2,704 2,816 3,022 3,121 3,037 3,123 3,018 3,013 3,452 3,993
Book Value per Share		 $40.80 $41.03 $41.43 $45.19 $43.97 $45.62 $47.25 $49.19 $50.09 $51.67 $52.30
Tangible Book Value per Share		 $24.26 $24.44 $24.85 $28.45 $27.19 $28.82 $30.03 $31.80 $32.35 $33.34 $33.81
Total Capital		 3,365 3,591 3,621 3,742 2,963 2,979 2,976 2,998 3,031 3,024 3,018
Total Debt		 895 1,125 1,142 1,075 384 318 303 255 303 310 307
Total Long-Term Debt		 309 309 332 353 361 291 291 240 288 288 288
Net Debt		 -198 148 121 84 -771 -699 -1,028 -1,318 -1,396 -2,161 -2,264
Capital Expenditures (CapEx)		 3.44 4.23 2.72 3.64 3.66 2.43 1.98 1.23 0.75 0.89 1.74
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 895 1,125 1,142 1,075 384 318 303 255 303 310 307
Total Depreciation and Amortization (D&A)		 5.41 11 -2.03 21 -15 9.60 9.11 8.45 10 4.89 14
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.05 $1.09 $1.16 $1.09 $1.09 $1.13 $1.28 $1.37 $1.33 $1.64 $1.63
Adjusted Weighted Average Basic Shares Outstanding		 60.28M 60.35M 59.83M 59.19M 58.56M 58.45M 56.70M 55.80M 52.73M 52.85M 51.80M
Adjusted Diluted Earnings per Share		 $1.05 $1.09 $1.16 $1.08 $1.08 $1.12 $1.27 $1.37 $1.33 $1.64 $1.63
Adjusted Weighted Average Diluted Shares Outstanding		 60.28M 60.52M 59.96M 59.39M 58.56M 58.71M 56.85M 55.96M 52.73M 53.03M 51.94M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 60.28M 60.09M 59.27M 58.90M 58.56M 56.78M 55.97M 54.68M 52.73M 52.04M 51.09M
Normalized Net Operating Profit after Tax (NOPAT)		 64 66 69 64 64 66 72 77 73 87 84
Normalized NOPAT Margin		 23.93% 26.17% 26.01% 24.06% 24.53% 25.72% 27.00% 28.37% 26.74% 31.55% 29.85%
Pre Tax Income Margin		 35.00% 34.61% 34.00% 31.95% 32.26% 33.96% 35.72% 37.29% 35.76% 41.59% 39.34%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.17 1.01 1.00 0.89 0.99 1.15 1.30 1.36 1.39 1.79 1.73
NOPAT to Interest Expense		 0.80 0.76 0.76 0.67 0.75 0.87 0.98 1.03 1.04 1.36 1.31
EBIT Less CapEx to Interest Expense		 1.13 0.96 0.97 0.85 0.95 1.12 1.27 1.34 1.38 1.77 1.70
NOPAT Less CapEx to Interest Expense		 0.76 0.71 0.73 0.63 0.71 0.84 0.95 1.01 1.03 1.34 1.28
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 13.66% 13.44% 13.33% 13.73% 13.59% 13.47% 13.55% 13.18% 12.94% 12.14% 11.92%
Augmented Payout Ratio		 33.97% 36.50% 45.20% 46.11% 50.14% 62.64% 76.49% 85.32% 113.99% 116.52% 108.72%

Financials Breakdown Chart

Key Financial Trends

WSFS Financial’s latest quarter shows a solid earnings profile, but there are a few balance-sheet and margin trends investors should watch closely. In Q1 2026, the company generated $86.8 million in net income, up from $72.7 million in Q4 2025 and $76.5 million in Q3 2025. Earnings per share held steady at $1.64 versus $1.33 in the prior quarter, helped by strong net interest income and stable expenses.

Over the last several years, WSFS has generally maintained profitability, but revenue composition has shifted. Net interest income remains the core driver, while non-interest income has been more uneven. The bank also continues to carry a large securities portfolio and meaningful goodwill/intangible assets, which are common for an acquisitive regional bank but still worth monitoring.

  • Q1 2026 net income rose to $86.8 million, up from $72.7 million in Q4 2025 and $64.4 million in Q3 2025, showing improved quarter-to-quarter profitability.
  • Net interest income improved to $185.1 million in Q1 2026, slightly above Q4 2025 and signaling stable core banking profitability.
  • Loan interest income remains strong at $205.2 million, indicating the loan book is still generating healthy interest revenue.
  • Cash generation was solid, with operating cash flow of $86.4 million in Q1 2026 versus $52.5 million in Q4 2025.
  • Net charge-offs and credit costs appear manageable in the latest quarter, with a relatively small provision for credit losses of $2.0 million.
  • Book equity increased quarter over quarter, with total common equity rising to $2.72 billion from $2.69 billion in Q2 2025.
  • EPS was unchanged at $1.64 in Q1 2026, suggesting earnings gains were partly offset by share count and other factors.
  • Non-interest income was concentrated, with other service charges accounting for the bulk of the $90.1 million non-interest income total in Q1 2026.
  • The balance sheet remains large and liquid, with $2.47 billion in cash and due from banks and $4.61 billion in trading account securities at quarter-end.
  • Total non-interest expense stayed high at $162.8 million, limiting the operating leverage investors would like to see.
  • Deposits and funding costs remain a pressure point, as deposit interest expense was still $59.5 million in Q1 2026 despite some improvement from prior quarters.
  • Intangible assets remain elevated at $966.4 million, which is a reminder that a meaningful portion of equity is tied to acquisition-related assets.
  • Accumulated other comprehensive income remained negative at $454.1 million, reflecting ongoing mark-to-market pressure on the balance sheet.

Bottom line: WSFS Financial looks like a consistently profitable regional bank with decent cash generation and a stable earnings base. The main positives are resilient net interest income and improving quarterly earnings, while the main risks are high operating expenses, deposit funding pressure, and a balance sheet still burdened by intangible assets and negative AOCI.

08/14/26 08:47 AM ETAI Generated. May Contain Errors.

WSFS Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, WSFS Financial's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

WSFS Financial's net income appears to be on an upward trend, with a most recent value of $287.25 million in 2025, rising from $53.53 million in 2015. The previous period was $263.50 million in 2024. See WSFS Financial's forecast for analyst expectations on what's next for the company.

Over the last 10 years, WSFS Financial's total revenue changed from $257.06 million in 2015 to $1.07 billion in 2025, a change of 314.7%.

WSFS Financial's total liabilities were at $18.59 billion at the end of 2025, a 1.9% increase from 2024, and a 271.4% increase since 2015.

In the past 10 years, WSFS Financial's cash and equivalents has ranged from $560.99 million in 2015 to $1.69 billion in 2025, and is currently $1.69 billion as of their latest financial filing in 2025.

Over the last 10 years, WSFS Financial's book value per share changed from 19.44 in 2015 to 50.09 in 2025, a change of 157.6%.


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Financial statements for NASDAQ:WSFS last updated on 8/5/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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