WSFS Financial Financials

WSFS Stock  USD 62.58  -0.14  -0.22%   
WSFS Financial reflects a mix of operating scale and capital structure considerations. Operating returns remain positive, suggesting ongoing earnings capacity. For financial institutions, capital adequacy, leverage ratios, and funding structure are central to financial strength assessment. Selling General Administrative is tracking at 208.8 Million after a 4.76% move from the prior year. The most recent annual figure for Selling General Administrative was 198.86 Million. As of March 18th, 2026, Selling And Marketing Expenses is estimated to rise to approximately 8.9 M, whereas Total Other Income Expense Net is moving lower toward slightly above -273 K.
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WSFS Financial Balance Sheet Account Activities

Currently, Other Assets are projected to increase significantly based on multi-year reporting trends. Year-ago financials show WSFS Financial with Other Assets of 17.74 Billion. As of March 18th, 2026, Net Receivables is estimated to rise to approximately 93.4 M, whereas Short and Long Term Debt Total is moving lower toward slightly above 287.5 M.

Key indicators impacting WSFS Financial's financial strength

Current ValueLast YearChange From Last Year 10 Year Trend
Debt-to-Equity Ratio0.110.111
Slightly Down
Slightly volatile
Operating Income399.9 M380.9 M
Sufficiently Up
Slightly volatile
Current Ratio0.140.077
Way Up
Slightly volatile
Net Receivables93.4 M80.3 M
Fairly Up
Slightly volatile
Total Revenue1.4 B1.4 B
Sufficiently Up
Slightly volatile
Total Assets22.4 B21.3 B
Sufficiently Up
Slightly volatile
A sound understanding of WSFS Financial's financial health begins with its balance sheet: how much cash it holds, what liabilities it owes, and whether its equity cushion is growing or eroding over time. WSFS Financial's financial profile includes $16.56 in Cash Per Share, $4.15 in Free Cash Flow Per Share, and a Cash Ratio of 0.08.

Net Income

301.72 Million
  
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Financial statement analysis for WSFS Financial links revenue and earnings trends to balance sheet changes, providing a dynamic view of how WSFS Financial's business model generates and deploys capital.
The reliability of WSFS Financial's financial statements depends on the integrity of management and the diligence of external auditors. Verify WSFS Financial's earnings quality using forensic accounting tools available on this platform.

WSFS Financial Stock Summary

WSFS Financial competes with WesBanco, Bancorp, BankUnited, Community Bank, and Fulton Financial. 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
Business Address500 Delaware Avenue,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.wsfsbank.com
Phone302 792 6000
CurrencyUSD - US Dollar

Key Financial Ratios

Key Balance Sheet Accounts

WSFS Financial holds 1.03 B in cash and equivalents, a figure that shapes the company's ability to invest, acquire, or weather downturns. Reviewing the full balance sheet adds context to that headline number and reveals the broader financial picture.
202120222023202420252026 (projected)
Total Assets15.8B19.9B20.6B20.8B21.3B22.4B
Other Current Liab-736K16.2B16.5B17.0B17.6B18.5B
Net Debt-1.3B-105.7M-193.6M-769.5M-1.0B-972.5M
Retained Earnings1.2B1.4B1.6B1.9B2.1B2.2B
Accounts Payable736K5.2M46.7M38.2M19.6M18.7M
Cash1.5B832.6M1.1B1.2B1.3B1.4B
Other Assets3.1B18.3B91.8M15.4B17.7B18.6B
Net Receivables41.6M633.4M709.6M732.2M80.3M93.4M
Total Liab13.8B17.7B18.1B18.2B18.6B19.5B
Total Current Assets6.8B1.5B1.8B1.9B1.4B1.1B
Short Term Debt12.7M14.7M15.3M18.1M16.3M15.5M
Intangible Assets74.4M128.6M118.7M102.3M969.9M1.0B
Common Stock577K759K761K763K2.7B2.9B
Other Liab141.8M347.1M360.8M445.3M512.1M537.7M
Long Term Debt239.5M726.9M895.1M383.6M302.7M377.1M
Inventory-1.7B-1.6B833K1.0B902.0M947.1M
Other Current Assets1.7B1.6B-4.4B1.1B980.8M1.6B

Key Income Statement Accounts

Operating margin isolates how well a company runs its core business before financing and tax effects. At 38.04%, WSFS Financial's operating margin reflects the efficiency of day-to-day operations. The full income breakdown follows.
202120222023202420252026 (projected)
Interest Expense22.7M40.9M251.4M358.1M293.6M308.3M
Operating Income357.7M300.6M365.0M347.3M380.9M399.9M
Ebit357.7M300.6M365.3M347.3M380.9M399.9M
Ebitda395.5M361.2M413.9M387.0M408.0M428.4M
Net Income271.4M222.4M269.2M263.7M287.3M301.7M
Income Tax Expense86.1M78.0M96.2M83.8M93.4M98.0M
Total Revenue641.8M963.2M1.3B1.4B1.4B1.4B
Gross Profit737.1M874.2M926.1M982.8M1.0B1.1B
Cost Of Revenue-95.2M89.0M339.5M419.6M343.7M360.9M
Income Before Tax357.7M300.6M365.3M347.3M380.6M399.6M
Minority Interest-163K-273K-258K176K100K105K
Tax Provision86.1M78.0M94.9M83.8M93.4M67.2M
Net Interest Income433.6M662.9M740.9M705.4M726.1M500.8M
Interest Income456.4M703.8M932.4M1.1B1.0B615.8M

Key Cash Accounts

A company that consistently converts profits into cash is one that investors can trust. WSFS Financial's operating cash flow of 221.4 M anchors that assessment. The detailed cash accounts below show how that cash is generated and deployed.
202120222023202420252026 (projected)
Change In Cash-121.8M-695.7M255.6M61.9M-20.9M-19.9M
Free Cash Flow119.1M472.0M230.6M205.6M215.0M225.8M
Depreciation37.8M60.5M48.6M39.7M37.6M39.5M
Other Non Cash Items-164.2M-20.3M-35.6M-46.1M74.2M77.9M
Dividends Paid24.2M35.7M36.7M35.8M37.2M39.0M
Capital Expenditures6.6M8.8M6.4M14.3M6.4M6.4M
Net Income271.6M222.6M269.0M263.5M287.3M301.7M
End Period Cash Flow1.5B837.3M1.1B1.2B254.5M439.5M
Change To Inventory22.9M-9.4M-66.1M-77.1M-69.4M-65.9M
Investments-1.5B-137.4M-485.6M-66.7M239.8M251.8M
Net Borrowings-106.6M350M185M-514.0M-71.0M-67.5M
Change To Netincome-41.1M-399K-56.5M-17.6M-15.9M-15.1M

Financial Ratios Relationships

Cross-company financial ratios help determine WSFS Financial's valuation standing. Mapping the correlation between WSFS Financial's fundamental drivers and peer metrics highlights which indicators are most influential for its intrinsic value. More Info.
WSFS Financial is rated below average in return on equity relative to competitors. It maintains a third standing in return on asset relative to competitors yielding 0.13 of Return On Asset per Return On Equity. For WSFS Financial, Return On Equity stands at 7.96 times Return On Asset. Over the last reporting cycle, Return On Equity is aligned with a advancing pattern. Last year’s filings placed Return On Equity at 0.11. Comparative pricing ratios position WSFS Financial within industry norms.

Core Fundamental Drivers

Most fundamental indicators are closely connected. Combined analysis offers stronger insight into WSFS Financial's financial health. WSFS Financial currently reports revenue of 1.36 B, P/E of 14.1, profit margin of 28.26%. WSFS Financial has a market cap of 3.43 B, operating margin of 38.04%, ROE of 10.82%. See Your Current Watchlist for portfolio-level analysis. This suggests a position in WSFS Financial across the allocation. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.
To learn how to invest in WSFS Stock, please use our How to Invest in WSFS Financial guide. Selling General Administrative is tracking at 208.8 Million after a 4.76% move from the prior year. The most recent annual figure for Selling General Administrative was 198.86 Million. As of March 18th, 2026, Sales General And Administrative To Revenue is estimated to rise to 0.18, whereas Issuance Of Capital Stock is moving lower toward slightly above 398.4 K.
 2023 2024 2025 2026 (projected)
Operating Income365.0M347.3M380.9M399.9M
Other Operating Expenses900.3M1.1B978.7M1.0B

Financial Account Correlations

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0.660.8-0.330.350.340.790.61-0.890.770.40.51-0.030.380.620.250.080.670.80.740.57-0.130.520.710.440.83
0.740.91-0.330.980.970.90.6-0.50.920.770.510.580.68-0.220.720.560.910.910.9-0.23-0.330.680.610.590.87
0.010.32-0.010.70.70.32-0.150.050.480.38-0.030.580.64-0.70.120.380.60.320.24-0.590.010.750.20.770.31
0.420.61-0.20.690.690.60.29-0.360.680.20.380.680.64-0.230.280.330.70.610.54-0.17-0.060.670.540.640.59
0.210.15-0.23-0.41-0.410.150.28-0.580.08-0.210.62-0.22-0.7-0.23-0.21-0.4-0.050.150.190.84-0.06-0.110.23-0.130.2
0.770.66-0.040.70.70.620.69-0.190.560.780.250.720.120.28-0.210.720.430.670.7-0.12-0.20.010.35-0.10.6
0.540.430.530.620.620.370.420.210.410.590.080.560.380.33-0.40.720.30.440.44-0.130.160.070.360.010.36
0.630.91-0.470.840.840.920.52-0.70.940.610.670.910.60.7-0.050.430.30.910.86-0.07-0.270.880.640.810.92
0.861.0-0.370.810.810.990.76-0.750.960.70.80.910.320.610.150.670.440.910.980.15-0.270.640.740.530.98
0.840.97-0.380.780.780.960.76-0.710.920.690.740.90.240.540.190.70.440.860.980.18-0.290.570.660.460.96
0.220.150.16-0.4-0.40.130.28-0.390.07-0.140.57-0.23-0.59-0.170.84-0.12-0.13-0.070.150.180.45-0.150.34-0.180.16
-0.21-0.270.72-0.33-0.33-0.27-0.160.38-0.24-0.22-0.13-0.330.01-0.06-0.06-0.20.16-0.27-0.27-0.290.45-0.180.09-0.15-0.32
0.240.64-0.420.660.650.660.12-0.560.770.360.520.680.750.67-0.110.010.070.880.640.57-0.15-0.180.480.990.68
0.670.74-0.030.510.510.750.62-0.540.740.370.710.610.20.540.230.350.360.640.740.660.340.090.480.40.69
0.120.53-0.390.580.580.56-0.01-0.490.680.280.440.590.770.64-0.13-0.10.010.810.530.46-0.18-0.150.990.40.58
0.790.98-0.450.760.760.970.69-0.810.950.670.830.870.310.590.20.60.360.920.980.960.16-0.320.680.690.58
Click cells to compare fundamentals

Account Relationship Matchups

fundamental Accounts

202120222023202420252026 (projected)
Total Assets15.8B19.9B20.6B20.8B21.3B22.4B
Other Current Liab-736K16.2B16.5B17.0B17.6B18.5B
Net Debt-1.3B-105.7M-193.6M-769.5M-1.0B-972.5M
Retained Earnings1.2B1.4B1.6B1.9B2.1B2.2B
Accounts Payable736K5.2M46.7M38.2M19.6M18.7M
Cash1.5B832.6M1.1B1.2B1.3B1.4B
Other Assets3.1B18.3B91.8M15.4B17.7B18.6B
Net Receivables41.6M633.4M709.6M732.2M80.3M93.4M
Total Liab13.8B17.7B18.1B18.2B18.6B19.5B
Total Current Assets6.8B1.5B1.8B1.9B1.4B1.1B
Short Term Debt12.7M14.7M15.3M18.1M16.3M15.5M
Intangible Assets74.4M128.6M118.7M102.3M969.9M1.0B
Common Stock577K759K761K763K2.7B2.9B
Other Liab141.8M347.1M360.8M445.3M512.1M537.7M
Long Term Debt239.5M726.9M895.1M383.6M302.7M377.1M
Inventory-1.7B-1.6B833K1.0B902.0M947.1M
Other Current Assets1.7B1.6B-4.4B1.1B980.8M1.6B

Financial Metrics, Fundamentals & Methodology

WSFS Financial reports annual revenue of 1.36 B, a profit margin of 28.26%, ROE of 10.82%, debt-to-equity of 8.62. WSFS Financial's operating framework provides insight into margin behavior and earnings persistence. Balance-sheet composition highlights financial flexibility and solvency profile. WSFS Financial currently shows revenue of 1.36 B, positive EPS of 5.09, operating margin of 38.04%.

This section for WSFS Financial is built from periodic company reporting and market reference feeds, with harmonization applied to align reporting definitions. Values may update on different source schedules. Accounting-line values follow GAAP or IFRS structures as published in issuer filings.

This content is curated and reviewed by:

Rifka Kats - Member of Macroaxis Editorial Board
Last reviewed on March 15th, 2026

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