WSFS Financial (WSFS) Financials

$71.85 +0.64 (+0.90%)

Closing price 04:00 PM Eastern

Extended Trading

$71.82 -0.02 (-0.03%)

As of 04:10 PM Eastern

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

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	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Period end date	6/30/2023	9/30/2023	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
Net Income / (Loss) Attributable to Common Shareholders	69	74	64	66	69	64	64	66	72	76	73
Consolidated Net Income / (Loss)	69	74	64	66	69	64	64	66	72	76	73
Net Income / (Loss) Continuing Operations	69	74	64	66	69	64	64	66	72	76	73
Total Pre-Tax Income	92	97	93	87	90	86	84	87	96	101	97
Total Revenue	249	255	265	251	266	268	262	256	268	270	272
Net Interest Income / (Expense)	182	183	178	175	174	178	178	175	179	184	187
Total Interest Income	242	251	257	262	265	273	263	251	253	258	257
Loans and Leases Interest Income	208	219	225	225	231	236	227	217	216	218	212
Investment Securities Interest Income	29	29	28	28	28	28	27	27	27	26	27
Other Interest Income	4.57	3.40	4.04	8.84	6.46	9.88	9.27	7.20	10	14	18
Total Interest Expense	60	69	79	86	91	96	85	76	74	74	70
Deposits Interest Expense	50	57	67	73	77	81	79	71	70	71	66
Long-Term Debt Interest Expense	3.93	2.62	2.67	2.76	2.80	3.92	3.18	3.01	2.04	1.68	2.50
Federal Funds Purchased and Securities Sold Interest Expense	1.64	1.95	2.13	1.76	1.79	1.78	1.93	1.52	1.52	1.53	1.48
Other Interest Expense	4.31	6.71	6.99	9.04	9.50	9.54	1.48	0.02	0.02	0.01	0.02
Total Non-Interest Income	67	73	87	76	92	90	83	81	88	86	85
Other Service Charges	66	71	-133	75	89	1.51	82	1.47	1.43	2.09	2.08
Other Non-Interest Income	0.76	1.70	210	1.20	0.79	89	1.19	79	87	83	86
Provision for Credit Losses	16	18	25	15	20	18	8.04	17	13	6.57	13
Total Non-Interest Expense	141	140	148	149	156	164	169	152	159	163	162
Salaries and Employee Benefits	72	74	70	76	83	86	88	82	89	92	94
Net Occupancy & Equipment Expense	26	25	28	24	26	27	27	27	28	26	27
Marketing Expense	4.96	2.16	2.27	1.99	2.18	2.10	2.03	1.75	1.60	2.35	2.69
Property & Liability Insurance Claims	2.86	2.53	7.91	3.98	2.39	2.88	2.91	2.58	2.43	2.74	2.54
Other Operating Expenses	35	36	40	43	42	46	50	38	39	39	35
Income Tax Expense	23	23	29	21	21	21	20	21	23	24	25
Net Income / (Loss) Attributable to Noncontrolling Interest	-0.08	0.10	-0.40	-0.04	-0.07	-0.03	-0.05	-0.03	-0.11	0.02	0.02
Basic Earnings per Share	$1.12	$1.22	$1.05	$1.09	$1.16	$1.09	$1.09	$1.13	$1.28	$1.37	$1.33
Weighted Average Basic Shares Outstanding	61.35M	60.94M	60.28M	60.35M	59.83M	59.19M	58.56M	58.45M	56.70M	55.80M	52.73M
Diluted Earnings per Share	$1.12	$1.22	$1.05	$1.09	$1.16	$1.08	$1.08	$1.12	$1.27	$1.37	$1.33
Weighted Average Diluted Shares Outstanding	61.41M	61.04M	60.28M	60.52M	59.96M	59.39M	58.56M	58.71M	56.85M	55.96M	52.73M
Weighted Average Basic & Diluted Shares Outstanding	61.06M	60.73M	60.28M	60.09M	59.27M	58.90M	58.56M	56.78M	55.97M	54.68M	52.73M

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

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	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Period end date	6/30/2023	9/30/2023	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
Net Change in Cash & Equivalents	13	-504	481	-116	45	-31	164	-138	314	242	126
Net Cash From Operating Activities	92	165	-51	113	45	3.15	59	8.75	37	122	53
Net Cash From Continuing Operating Activities	92	165	-51	113	45	3.15	59	8.75	37	122	53
Net Income / (Loss) Continuing Operations	69	74	64	66	69	64	64	66	72	76	73
Consolidated Net Income / (Loss)	69	74	64	66	69	64	64	66	72	76	73
Provision For Loan Losses	16	18	25	15	20	18	8.04	17	13	6.57	13
Depreciation Expense	4.70	4.53	3.96	4.10	3.32	3.26	3.20	3.22	2.85	2.85	3.17
Amortization Expense	8.75	-14	1.45	6.77	-5.36	18	-18	6.38	6.26	5.60	7.32
Non-Cash Adjustments to Reconcile Net Income	-32	-15	-38	-5.90	-48	-18	-21	-14	-46	76	-31
Changes in Operating Assets and Liabilities, net	26	97	-107	27	5.91	-83	22	-70	-11	-46	-13
Net Cash From Investing Activities	-50	-223	86	-142	-67	-81	224	133	141	120	-269
Net Cash From Continuing Investing Activities	-50	-223	86	-142	-67	-81	224	133	141	120	-269
Purchase of Property, Leasehold Improvements and Equipment	-0.96	-1.14	-3.45	-4.23	-2.72	-3.64	-3.66	-2.43	-1.98	-1.23	-0.75
Purchase of Investment Securities	-98	-585	390	-116	-375	-191	-88	-154	-139	-173	-540
Divestitures	-	-	-	-	-	-	-	-	-	-	0.01
Sale and/or Maturity of Investments	158	125	134	96	186	393	175	211	240	245	439
Other Investing Activities, net	-109	238	-435	-118	124	-279	141	78	39	50	-167
Net Cash From Financing Activities	-30	-447	447	-87	67	47	-119	-279	136	-0.21	343
Net Cash From Continuing Financing Activities	-30	-447	447	-87	67	47	-119	-279	136	-0.21	343
Net Change in Deposits	234	-449	490	-292	99	148	603	-146	228	107	416
Issuance of Debt	1,112	680	1,250	1,950	1,972	6,928	2,188	2,950	3,000	3,250	8,210
Issuance of Common Equity	0.00	2.06	0.88	0.60	-1.70	1.44	0.13	0.64	-3.82	0.23	-0.28
Repayment of Debt	-1,912	-1,538	-2,955	-1,950	-2,125	-7,112	-4,125	-3,020	-3,000	-3,301	-8,183
Repurchase of Common Equity	-16	-16	-9.95	-21	-40	-14	-21	-54	-78	-47	-110
Payment of Dividends	-9.22	-9.16	-9.11	-9.07	-9.02	-8.89	-8.82	-8.79	-9.63	-9.50	-9.26
Other Financing Activities, Net	561	883	1,680	235	172	105	1,245	0.00	-	-	20
Cash Interest Paid	49	52	75	95	72	79	120	78	81	78	76
Cash Income Taxes Paid	48	24	26	2.29	34	20	25	14	19	17	25

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

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	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025
Period end date	9/30/2022	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
Total Assets	19,985	20,319	20,386	20,041	20,579	20,745	20,905	20,549	20,763	20,840
Cash and Due from Banks	1,026	1,096	1,109	606	974	1,019	987	1,016	1,324	1,564
Interest Bearing Deposits at Other Banks	5.50	6.99	6.35	5.53	2.82	2.79	4.19	0.94	7.04	8.83
Trading Account Securities	4,215	4,126	3,998	4,797	4,811	4,745	4,806	4,607	4,647	4,545
Loans and Leases, Net of Allowance	0.00	0.00	12,168	12,502	12,790	12,946	13,125	12,923	12,808	12,777
Premises and Equipment, Net	119	112	108	105	105	104	104	85	84	83
Intangible Assets	133	125	121	123	1,000	996	992	984	978	974
Other Assets	13,603	13,970	1,991	1,017	896	931	887	933	915	889
Total Liabilities & Shareholders' Equity	19,985	20,319	20,386	20,041	20,579	20,745	20,905	20,549	20,763	20,840
Total Liabilities	17,885	18,016	18,078	17,806	18,114	18,266	18,238	17,888	18,091	18,098
Non-Interest Bearing Deposits	6,171	5,299	5,462	4,914	4,653	4,783	4,686	4,947	5,306	5,237
Interest Bearing Deposits	10,554	10,891	10,965	11,073	11,534	11,508	11,741	11,932	11,816	11,989
Short-Term Debt	36	-	591	584	816	811	723	27	13	15
Accrued Interest Payable	5.57	15	26	42	38	57	73	36	29	26
Long-Term Debt	339	1,138	309	309	309	332	353	291	291	240
Other Long-Term Liabilities	779	673	725	859	764	776	663	655	637	591
Total Equity & Noncontrolling Interests	2,101	2,303	2,307	2,235	2,466	2,478	2,667	2,661	2,672	2,743
Total Preferred & Common Equity	2,104	2,306	2,315	2,243	2,473	2,490	2,678	2,672	2,683	2,753
Total Common Equity	2,104	2,306	2,315	2,243	2,473	2,490	2,678	2,672	2,683	2,753
Common Stock	1,972	1,979	1,979	1,982	1,989	1,990	1,995	2,001	2,000	2,003
Retained Earnings	1,336	1,464	1,524	1,589	1,700	1,761	1,816	1,929	1,991	2,058
Treasury Stock	-489	-518	-532	-548	-579	-618	-633	-708	-787	-834
Accumulated Other Comprehensive Income / (Loss)	-715	-618	-656	-781	-637	-643	-500	-549	-522	-475
Noncontrolling Interest	-2.76	-3.02	-7.28	-7.42	-7.86	-11	-11	-10	-11	-10

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%

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

Metric	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Period end date	6/30/2023	9/30/2023	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
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	-	54,675,949.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	54,675,949.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	1.33
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	10.22%	6.59%	2.54%	2.23%	6.97%	4.85%	-1.44%	1.98%	0.55%	1.06%	3.96%
EBITDA Growth	11.76%	-24.99%	-20.60%	2.21%	-15.84%	22.18%	-29.11%	-1.26%	4.46%	14.94%	14.75%
EBIT Growth	9.96%	-1.96%	-17.42%	3.97%	-1.27%	-11.99%	-9.17%	0.05%	5.61%	17.96%	15.27%
NOPAT Growth	12.63%	1.25%	-24.79%	4.88%	0.89%	-13.27%	1.02%	0.22%	4.35%	18.72%	13.31%
Net Income Growth	12.63%	1.25%	-24.79%	4.88%	0.89%	-13.27%	1.02%	0.22%	4.35%	18.72%	13.31%
EPS Growth	19.15%	5.17%	-21.05%	7.92%	3.57%	-11.48%	2.86%	2.75%	9.48%	26.85%	23.15%
Operating Cash Flow Growth	-48.96%	-1.48%	-168.70%	273.84%	-51.45%	-98.09%	216.21%	-92.25%	-17.08%	3,759.13%	-11.00%
Free Cash Flow Firm Growth	9.50%	-123.21%	44.21%	82.95%	24.38%	5.04%	225.08%	912.83%	308.16%	249.35%	-98.94%
Invested Capital Growth	19.54%	26.38%	14.89%	4.33%	12.90%	19.63%	-11.94%	-17.02%	-17.81%	-19.89%	2.29%
Revenue Q/Q Growth	1.24%	2.64%	3.94%	-5.35%	5.94%	0.61%	-2.30%	-2.07%	4.45%	1.12%	0.51%
EBITDA Q/Q Growth	9.82%	-16.77%	12.37%	26.37%	-9.57%	20.84%	-34.80%	38.60%	8.37%	4.46%	-1.46%
EBIT Q/Q Growth	9.60%	6.04%	-4.42%	-6.40%	4.07%	-5.47%	-1.36%	3.10%	9.86%	5.58%	-3.61%
NOPAT Q/Q Growth	9.47%	8.26%	-14.49%	3.49%	5.30%	-6.93%	-0.39%	2.67%	9.65%	5.88%	-4.93%
Net Income Q/Q Growth	9.47%	8.26%	-14.49%	3.49%	5.30%	-6.93%	-0.39%	2.67%	9.65%	5.88%	-4.93%
EPS Q/Q Growth	10.89%	8.93%	-13.93%	3.81%	6.42%	-6.90%	0.00%	3.70%	13.39%	7.87%	-2.92%
Operating Cash Flow Q/Q Growth	205.94%	78.90%	-130.74%	322.16%	-60.27%	-92.98%	1,774.88%	-85.19%	325.15%	226.82%	-56.76%
Free Cash Flow Firm Q/Q Growth	6.76%	-27.02%	35.62%	77.64%	-313.56%	-59.51%	184.81%	45.29%	5.91%	14.45%	-99.40%
Invested Capital Q/Q Growth	-6.82%	-2.45%	7.57%	6.71%	0.84%	3.36%	-20.82%	0.55%	-0.12%	0.75%	1.10%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	42.25%	34.26%	37.04%	38.94%	33.24%	39.92%	26.64%	37.70%	39.12%	40.41%	39.62%
EBIT Margin	36.84%	38.06%	35.00%	34.61%	34.00%	31.95%	32.26%	33.96%	35.72%	37.29%	35.76%
Profit (Net Income) Margin	27.58%	29.09%	23.93%	26.17%	26.01%	24.06%	24.53%	25.72%	27.00%	28.27%	26.74%
Tax Burden Percent	74.86%	76.43%	68.38%	75.61%	76.50%	75.32%	76.06%	75.74%	75.59%	75.81%	74.76%
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	25.14%	23.57%	31.62%	24.39%	23.50%	24.68%	23.94%	24.26%	24.41%	24.19%	25.24%
Return on Invested Capital (ROIC)	9.30%	10.47%	7.72%	7.60%	7.91%	7.36%	8.11%	8.23%	8.62%	8.86%	9.51%
ROIC Less NNEP Spread (ROIC-NNEP)	9.30%	10.47%	7.72%	7.60%	7.91%	7.36%	8.11%	8.23%	8.62%	8.86%	9.51%
Return on Net Nonoperating Assets (RNNOA)	2.55%	3.06%	2.68%	3.60%	3.37%	2.95%	2.05%	2.32%	2.42%	2.18%	1.23%
Return on Equity (ROE)	11.85%	13.53%	10.40%	11.20%	11.28%	10.31%	10.17%	10.55%	11.04%	11.03%	10.74%
Cash Return on Invested Capital (CROIC)	-7.99%	-12.96%	-5.31%	3.50%	-4.13%	-10.22%	21.03%	26.63%	27.64%	30.36%	7.32%
Operating Return on Assets (OROA)	1.79%	1.92%	1.75%	1.73%	1.72%	1.64%	1.63%	1.74%	1.81%	1.89%	1.81%
Return on Assets (ROA)	1.34%	1.47%	1.20%	1.31%	1.31%	1.23%	1.24%	1.31%	1.37%	1.43%	1.35%
Return on Common Equity (ROCE)	11.88%	13.56%	10.42%	11.23%	11.33%	10.35%	10.20%	10.59%	11.08%	11.08%	10.78%
Return on Equity Simple (ROE_SIMPLE)	12.49%	12.93%	0.00%	11.00%	10.95%	9.81%	0.00%	9.87%	9.94%	10.12%	0.00%
Net Operating Profit after Tax (NOPAT)	69	74	64	66	69	64	64	66	72	76	73
NOPAT Margin	27.58%	29.09%	23.93%	26.17%	26.01%	24.06%	24.53%	25.72%	27.00%	28.27%	26.74%
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	41.43%	39.79%	37.57%	40.47%	41.98%	42.92%	44.51%	43.55%	44.25%	44.54%	45.34%
Operating Expenses to Revenue	56.79%	54.72%	55.65%	59.36%	58.55%	61.17%	64.67%	59.27%	59.57%	60.28%	59.58%
Earnings before Interest and Taxes (EBIT)	92	97	93	87	90	86	84	87	96	101	97
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	105	87	98	98	88	107	70	97	105	109	108
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.98	0.98	1.11	1.09	1.13	1.13	1.21	1.14	1.16	1.10	1.10
Price to Tangible Book Value (P/TBV)	1.74	1.78	1.87	1.84	1.89	1.79	1.95	1.80	1.83	1.70	1.70
Price to Revenue (P/Rev)	2.29	2.18	2.71	2.65	2.71	2.88	2.98	2.89	2.97	2.86	2.83
Price to Earnings (P/E)	7.88	7.59	10.21	9.92	10.31	11.47	11.84	11.51	11.70	10.82	10.48
Dividend Yield	1.62%	1.67%	1.33%	1.34%	1.28%	1.18%	1.13%	1.16%	1.13%	1.19%	1.20%
Earnings Yield	12.69%	13.18%	9.80%	10.08%	9.70%	8.71%	8.45%	8.69%	8.55%	9.24%	9.54%
Enterprise Value to Invested Capital (EV/IC)	0.64	0.79	0.76	0.79	0.81	0.83	0.79	0.78	0.70	0.56	0.53
Enterprise Value to Revenue (EV/Rev)	2.07	2.45	2.50	2.79	2.82	2.95	2.24	2.21	1.98	1.60	1.51
Enterprise Value to EBITDA (EV/EBITDA)	4.98	6.44	6.58	7.32	7.86	7.91	6.45	6.44	5.69	4.44	3.84
Enterprise Value to EBIT (EV/EBIT)	5.31	6.42	6.96	7.72	7.96	8.70	6.74	6.70	5.91	4.60	4.22
Enterprise Value to NOPAT (EV/NOPAT)	7.11	8.52	9.45	10.45	10.73	11.78	8.88	8.83	7.82	6.06	5.59
Enterprise Value to Operating Cash Flow (EV/OCF)	5.64	6.83	10.73	8.90	10.75	28.12	10.64	20.11	19.28	7.46	7.30
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	23.11	0.00	0.00	3.52	2.66	2.29	1.65	7.32
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.39	0.40	0.36	0.46	0.46	0.40	0.15	0.12	0.11	0.09	0.11
Long-Term Debt to Equity	0.13	0.14	0.13	0.13	0.13	0.13	0.14	0.11	0.11	0.09	0.11
Financial Leverage	0.27	0.29	0.35	0.47	0.43	0.40	0.25	0.28	0.28	0.25	0.13
Leverage Ratio	8.86	9.23	8.67	8.58	8.59	8.35	8.20	8.02	8.06	7.72	7.94
Compound Leverage Factor	8.86	9.23	8.67	8.58	8.59	8.35	8.20	8.02	8.06	7.72	7.94
Debt to Total Capital	28.05%	28.54%	26.60%	31.33%	31.55%	28.73%	12.95%	10.68%	10.20%	8.51%	9.99%
Short-Term Debt to Total Capital	18.42%	18.67%	17.42%	22.72%	22.39%	19.31%	0.78%	0.92%	0.43%	0.51%	0.49%
Long-Term Debt to Total Capital	9.63%	9.88%	9.18%	8.61%	9.16%	9.42%	12.17%	9.75%	9.77%	8.00%	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	-0.23%	-0.24%	-0.23%	-0.22%	-0.31%	-0.30%	-0.35%	-0.35%	-0.35%	-0.35%	-0.35%
Common Equity to Total Capital	72.18%	71.70%	73.63%	68.89%	68.76%	71.57%	87.40%	89.67%	90.16%	91.84%	90.36%
Debt to EBITDA	2.18	2.33	2.32	2.89	3.07	2.75	1.06	0.88	0.83	0.67	0.72
Net Debt to EBITDA	-0.52	0.73	-0.51	0.38	0.32	0.22	-2.13	-1.93	-2.81	-3.47	-3.34
Long-Term Debt to EBITDA	0.75	0.81	0.80	0.80	0.89	0.90	0.99	0.80	0.79	0.63	0.69
Debt to NOPAT	3.11	3.08	3.33	4.13	4.19	4.09	1.46	1.21	1.14	0.92	1.05
Net Debt to NOPAT	-0.75	0.97	-0.74	0.54	0.44	0.32	-2.93	-2.65	-3.86	-4.73	-4.86
Long-Term Debt to NOPAT	1.07	1.07	1.15	1.14	1.22	1.34	1.37	1.10	1.09	0.86	1.00
Noncontrolling Interest Sharing Ratio	-0.21%	-0.23%	-0.24%	-0.23%	-0.39%	-0.38%	-0.36%	-0.36%	-0.42%	-0.40%	-0.39%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-456	-579	-373	-83	-345	-550	466	677	717	821	4.92
Operating Cash Flow to CapEx	9,661.82%	14,482.82%	-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%
Free Cash Flow to Firm to Interest Expense	-7.60	-8.44	-4.71	-0.96	-3.79	-5.73	5.47	8.95	9.73	11.03	0.07
Operating Cash Flow to Interest Expense	1.54	2.41	-0.64	1.31	0.49	0.03	0.69	0.12	0.50	1.63	0.75
Operating Cash Flow Less CapEx to Interest Expense	1.53	2.39	-0.69	1.26	0.46	-0.01	0.65	0.08	0.48	1.62	0.74
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	8.67	9.01	9.22	9.42	9.77	10.03	10.98	11.08	11.18	11.28	12.82
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,207	3,128	3,365	3,591	3,621	3,742	2,963	2,979	2,976	2,998	3,031
Invested Capital Turnover	0.34	0.36	0.32	0.29	0.30	0.31	0.33	0.32	0.32	0.31	0.36
Increase / (Decrease) in Invested Capital	524	653	436	149	414	614	-402	-611	-645	-744	68
Enterprise Value (EV)	2,054	2,471	2,542	2,844	2,925	3,095	2,340	2,328	2,084	1,690	1,606
Market Capitalization	2,277	2,197	2,748	2,704	2,816	3,022	3,121	3,037	3,123	3,018	3,013
Book Value per Share	$37.67	$36.73	$40.80	$41.03	$41.43	$45.19	$43.97	$45.62	$47.25	$49.19	$50.09
Tangible Book Value per Share	$21.32	$20.22	$24.26	$24.44	$24.85	$28.45	$27.19	$28.82	$30.03	$31.80	$32.35
Total Capital	3,207	3,128	3,365	3,591	3,621	3,742	2,963	2,979	2,976	2,998	3,031
Total Debt	899	893	895	1,125	1,142	1,075	384	318	303	255	303
Total Long-Term Debt	309	309	309	309	332	353	361	291	291	240	288
Net Debt	-216	281	-198	148	121	84	-771	-699	-1,028	-1,318	-1,396
Capital Expenditures (CapEx)	0.96	1.14	3.44	4.23	2.72	3.64	3.66	2.43	1.98	1.23	0.75
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)	899	893	895	1,125	1,142	1,075	384	318	303	255	303
Total Depreciation and Amortization (D&A)	13	-9.71	5.41	11	-2.03	21	-15	9.60	9.11	8.45	10
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.12	$1.22	$1.05	$1.09	$1.16	$1.09	$1.09	$1.13	$1.28	$1.37	$1.33
Adjusted Weighted Average Basic Shares Outstanding	61.35M	60.94M	60.28M	60.35M	59.83M	59.19M	58.56M	58.45M	56.70M	55.80M	52.73M
Adjusted Diluted Earnings per Share	$1.12	$1.22	$1.05	$1.09	$1.16	$1.08	$1.08	$1.12	$1.27	$1.37	$1.33
Adjusted Weighted Average Diluted Shares Outstanding	61.41M	61.04M	60.28M	60.52M	59.96M	59.39M	58.56M	58.71M	56.85M	55.96M	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	61.06M	60.73M	60.28M	60.09M	59.27M	58.90M	58.56M	56.78M	55.97M	54.68M	52.73M
Normalized Net Operating Profit after Tax (NOPAT)	69	74	64	66	69	64	64	66	72	77	73
Normalized NOPAT Margin	27.58%	29.09%	23.93%	26.17%	26.01%	24.06%	24.53%	25.72%	27.00%	28.37%	26.74%
Pre Tax Income Margin	36.84%	38.06%	35.00%	34.61%	34.00%	31.95%	32.26%	33.96%	35.72%	37.29%	35.76%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.53	1.42	1.17	1.01	1.00	0.89	0.99	1.15	1.30	1.36	1.39
NOPAT to Interest Expense	1.14	1.08	0.80	0.76	0.76	0.67	0.75	0.87	0.98	1.03	1.04
EBIT Less CapEx to Interest Expense	1.51	1.40	1.13	0.96	0.97	0.85	0.95	1.12	1.27	1.34	1.38
NOPAT Less CapEx to Interest Expense	1.13	1.07	0.76	0.71	0.73	0.63	0.71	0.84	0.95	1.01	1.03
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	12.89%	12.72%	13.66%	13.44%	13.33%	13.73%	13.59%	13.47%	13.55%	13.18%	12.94%
Augmented Payout Ratio	56.94%	33.62%	33.97%	36.50%	45.20%	46.11%	50.14%	62.64%	76.49%	85.32%	113.99%

Financials Breakdown Chart

Key Financial Trends

WSFS Financial (NASDAQ: WSFS) has shown a pattern of improving profitability in 2025, with rising net interest income, stronger net income per share, and solid cash flow generation. The bank’s balance sheet remains sizable and relatively stable, with disciplined but fluctuating credit provisioning and ongoing investment activity. Below are the 10 most salient points, drawn from the last four years of quarterly data.

Net interest income rising: Net Interest Income grew to $187.35M in Q4 2025 from $178.21M in Q4 2024, indicating improving core lending/margin dynamics.
Net income attributable to common shareholders up: Consolidated net income attributable to common shareholders increased to $72.68M in Q4 2025 from $64.49M in Q4 2024.
Total revenue growth: Total Revenue rose to $271.87M in Q4 2025, up from $261.51M in Q4 2024, signaling favorable overall earnings mix.
EPS improves: Basic and Diluted Earnings Per Share reached $1.33 in Q4 2025 (vs about $1.16 in Q4 2024 restated), indicating higher profitability per share.
Solid capitalization: Total equity remains robust at roughly $2.75B, with a modest year-over-year increase supporting a stronger capital base.
Positive operating cash flow demonstrated: Net cash from continuing operating activities was $87.46M in Q1 2025 and remained solid at $52.54M in Q4 2025, reflecting ongoing cash generation from core operations.
Balance sheet size and liquidity: Total assets hover around $20.8–$20.9B in 2025, with deposits in the high teens of billions of dollars, indicating ample liquidity and scale.
Investments and asset mix: Trading account securities and other investments are sizable (around several billions in aggregate across quarters), which may influence margin sensitivity to rate moves and market conditions (neutral exposure).
Non-interest income stability: Non-interest income runs in the mid-80s to low-90s million range in 2025, with modest quarterly fluctuations (generally stable vs. prior years).
Non-interest expense pressure: Total non-interest expense in Q4 2025 rose to about $161.97M, signaling cost pressures that partially offset gains from higher net interest income and revenue growth.

05/05/26 04:47 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About WSFS Financial's Financials

When does WSFS Financial's fiscal year end?

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.

How has WSFS Financial's net income changed over the last 10 years?

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. View WSFS Financial's forecast to see where analysts expect WSFS Financial to go next.

How has WSFS Financial's revenue changed over the last 10 years?

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%.

How much debt does WSFS Financial have?

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.

How much cash does WSFS Financial have?

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.

How has WSFS Financial's book value per share changed over the last 10 years?

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 3/4/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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WSFS Financial (WSFS) Financials

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WSFS Financial (WSFS) Financials

Annual Income Statements for WSFS Financial

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Quarterly Cash Flow Statements for WSFS Financial

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Quarterly Metrics And Ratios for WSFS Financial

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