WSFS Financial Financials

WSFS Stock  USD 58.71  1.21  2.10%   
Based on the analysis of WSFS Financial's profitability, liquidity, and operating efficiency, WSFS Financial is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in December. At this time, WSFS Financial's Liabilities And Stockholders Equity is comparatively stable compared to the past year. Non Current Liabilities Total is likely to gain to about 19.6 B in 2024, whereas Short and Long Term Debt Total is likely to drop slightly above 683.8 M in 2024. Key indicators impacting WSFS Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.340.3613
Notably Down
Slightly volatile
Operating Income383.3 M365 M
Sufficiently Up
Slightly volatile
Current Ratio0.07880.083
Notably Down
Pretty Stable
Investors should never underestimate WSFS Financial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor WSFS Financial's cash flow, debt, and profitability to make informed and accurate decisions about investing in WSFS Financial.

Net Income

282.61 Million

  
Understanding current and past WSFS Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of WSFS Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in WSFS Financial's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in WSFS Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of WSFS Financial. Check WSFS Financial's Beneish M Score to see the likelihood of WSFS Financial's management manipulating its earnings.

WSFS Financial Stock Summary

WSFS Financial competes with Waterstone Financial, Mid Penn, ST Bancorp, Republic Bancorp, and Southern Missouri. 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. The company was founded in 1832 and is headquartered in Wilmington, Delaware. WSFS Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 2150 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS9293281021
CUSIP929328102
LocationDelaware; U.S.A
Business Address500 Delaware Avenue,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.wsfsbank.com
Phone302 792 6000
CurrencyUSD - US Dollar

WSFS Financial Key Financial Ratios

WSFS Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets12.3B14.3B15.8B19.9B20.6B21.6B
Other Current Liab(3.1M)(1.5M)(736K)4.3M(46.7M)(44.3M)
Net Debt(82.3M)(1.3B)(1.3B)(105.1M)(197.8M)(187.9M)
Retained Earnings917.4M977.4M1.2B1.4B1.6B1.7B
Accounts Payable3.1M1.5M736K5.2M46.7M44.3M
Cash571.5M1.6B1.5B832.0M1.1B1.1B
Other Assets8.8B6.8B3.1B18.3B(4.9B)(4.7B)
Net Receivables38.1M44.3M41.6M74.4M86.0M90.3M
Total Liab10.4B12.5B13.8B17.7B18.1B19.0B
Total Current Assets2.6B4.2B6.8B580.1M1.1B1.9B
Common Stock575K576K577K908.0M761K723.0K
Other Liab141.8M347.1M360.8M445.3M512.1M537.7M
Long Term Debt181.6M334.0M239.5M726.9M895.1M939.8M
Inventory(612.5M)(1.7B)(1.6B)833K1.0B1.1B
Treasury Stock(305.1M)(140.2M)(295.3M)(307.3M)(276.6M)(290.4M)
Short Term Debt247.1M17.0M12.7M14.7M15.3M14.5M
Other Current Assets612.5M1.7B1.6B(4.4B)1.1B1.6B
Intangible Assets95.9M84.6M74.4M73.1M118.7M124.6M

WSFS Financial Key Income Statement Accounts

The reason investors look at the income statement is to determine what WSFS Financial's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense76.1M48.5M22.7M40.9M251.4M264.0M
Operating Income195.3M146.4M357.5M341.3M365.0M383.3M
Ebit195.3M145.0M331.7M300.6M(48.5M)(46.0M)
Ebitda245.1M183.2M369.6M361.2M131K124.5K
Net Income148.8M114.8M271.4M222.4M269.2M282.6M
Income Tax Expense46.5M31.6M86.1M78.0M96.2M101.1M
Total Revenue633.1M667.0M619.1M923.0M926.9M973.2M
Gross Profit633.1M667.0M619.1M923.0M1.3B1.3B
Income Before Tax194.4M145.0M357.7M300.6M365.3M383.5M
Minority Interest(891K)(1.5M)(163K)(273K)(258K)(270.9K)
Tax Provision46.5M31.6M86.1M78.0M94.9M60.5M
Net Interest Income444.9M466.0M433.6M662.9M740.9M437.1M
Interest Income521.1M514.4M456.4M703.8M932.4M498.0M

WSFS Financial Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(49.0M)1.1B(121.8M)(695.7M)255.6M268.4M
Free Cash Flow75.7M8.0M119.1M472.0M230.6M242.1M
Depreciation49.8M38.2M37.8M60.5M48.6M51.0M
Other Non Cash Items(143.2M)(87.1M)(164.2M)(20.3M)(35.6M)(33.9M)
Dividends Paid22.5M24.4M24.2M35.7M36.7M38.6M
Capital Expenditures14.2M7.2M6.6M8.8M6.4M6.2M
Net Income147.9M113.3M271.6M222.6M269.0M282.5M
End Period Cash Flow571.8M1.7B1.5B837.3M1.1B1.1B
Change To Inventory22.9M(9.4M)(66.1M)(77.1M)(69.4M)(65.9M)
Investments169.1M(955.7M)(1.5B)(137.4M)(485.6M)(509.9M)
Change Receivables(2.6M)1.4M(6.2M)2.7M2.5M2.6M
Net Borrowings32.0B8.1B(106.6M)350M315M299.3M
Change To Netincome(41.1M)(399K)(56.5M)(17.6M)(15.9M)(15.1M)

WSFS Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining WSFS Financial's current stock value. Our valuation model uses many indicators to compare WSFS Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across WSFS Financial competition to find correlations between indicators driving WSFS Financial's intrinsic value. More Info.
WSFS Financial is rated second in return on equity category among its peers. It is rated third in return on asset category among its peers reporting about  0.12  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for WSFS Financial is roughly  8.38 . At this time, WSFS Financial's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value WSFS Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

WSFS Financial Systematic Risk

WSFS Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. WSFS Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on WSFS Financial correlated with the market. If Beta is less than 0 WSFS Financial generally moves in the opposite direction as compared to the market. If WSFS Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one WSFS Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of WSFS Financial is generally in the same direction as the market. If Beta > 1 WSFS Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in WSFS Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various WSFS Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of WSFS Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.41

At this time, WSFS Financial's Price Earnings To Growth Ratio is comparatively stable compared to the past year.

WSFS Financial November 22, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of WSFS Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of WSFS Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of WSFS Financial based on widely used predictive technical indicators. In general, we focus on analyzing WSFS Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build WSFS Financial's daily price indicators and compare them against related drivers.

Additional Tools for WSFS Stock Analysis

When running WSFS Financial's price analysis, check to measure WSFS Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy WSFS Financial is operating at the current time. Most of WSFS Financial's value examination focuses on studying past and present price action to predict the probability of WSFS Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move WSFS Financial's price. Additionally, you may evaluate how the addition of WSFS Financial to your portfolios can decrease your overall portfolio volatility.