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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.62
WSFS's Cash to Debt is ranked higher than
68% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. WSFS: 0.62 )
WSFS' s 10-Year Cash to Debt Range
Min: 0.12   Max: 1.51
Current: 0.62

0.12
1.51
Equity to Asset 0.09
WSFS's Equity to Asset is ranked higher than
61% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. WSFS: 0.09 )
WSFS' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.11
Current: 0.09

0.04
0.11
Interest Coverage 4.67
WSFS's Interest Coverage is ranked higher than
92% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. WSFS: 4.67 )
WSFS' s 10-Year Interest Coverage Range
Min: 0.16   Max: 4.67
Current: 4.67

0.16
4.67
F-Score: 4
Z-Score: 0.32
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 33.83
WSFS's Operating margin (%) is ranked higher than
79% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. WSFS: 33.83 )
WSFS' s 10-Year Operating margin (%) Range
Min: -0.92   Max: 70.94
Current: 33.83

-0.92
70.94
Net-margin (%) 22.14
WSFS's Net-margin (%) is ranked higher than
76% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. WSFS: 22.14 )
WSFS' s 10-Year Net-margin (%) Range
Min: 0.43   Max: 74.88
Current: 22.14

0.43
74.88
ROE (%) 12.24
WSFS's ROE (%) is ranked higher than
88% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. WSFS: 12.24 )
WSFS' s 10-Year ROE (%) Range
Min: 0.22   Max: 55.37
Current: 12.24

0.22
55.37
ROA (%) 1.04
WSFS's ROA (%) is ranked higher than
83% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. WSFS: 1.04 )
WSFS' s 10-Year ROA (%) Range
Min: 0.02   Max: 5.93
Current: 1.04

0.02
5.93
ROC (Joel Greenblatt) (%) 203.64
WSFS's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. WSFS: 203.64 )
WSFS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -3.96   Max: 950.06
Current: 203.64

-3.96
950.06
Revenue Growth (%) 2.60
WSFS's Revenue Growth (%) is ranked higher than
77% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. WSFS: 2.60 )
WSFS' s 10-Year Revenue Growth (%) Range
Min: -8.1   Max: 53.9
Current: 2.6

-8.1
53.9
EBITDA Growth (%) 43.50
WSFS's EBITDA Growth (%) is ranked higher than
94% of the 1124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. WSFS: 43.50 )
WSFS' s 10-Year EBITDA Growth (%) Range
Min: -51.1   Max: 105.6
Current: 43.5

-51.1
105.6
EPS Growth (%) 51.30
WSFS's EPS Growth (%) is ranked higher than
95% of the 1103 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 vs. WSFS: 51.30 )
WSFS' s 10-Year EPS Growth (%) Range
Min: -31.5   Max: 79.5
Current: 51.3

-31.5
79.5
» WSFS's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

WSFS Guru Trades in Q1 2013

Jim Simons 80,800 sh (New)
Westport Asset Management 48,546 sh (unchged)
Richard Pzena 347,862 sh (-2.52%)
Private Capital 28,813 sh (-14.28%)
» More
Q2 2013

WSFS Guru Trades in Q2 2013

Jim Simons 88,109 sh (+9.05%)
Richard Pzena 350,311 sh (+0.7%)
Westport Asset Management 48,546 sh (unchged)
Private Capital 25,413 sh (-11.8%)
» More
Q3 2013

WSFS Guru Trades in Q3 2013

Jim Simons 110,600 sh (+25.53%)
Westport Asset Management 48,546 sh (unchged)
Private Capital 17,938 sh (-29.41%)
Richard Pzena 201,595 sh (-42.45%)
» More
Q4 2013

WSFS Guru Trades in Q4 2013

Jim Simons 194,184 sh (+75.57%)
Westport Asset Management 48,546 sh (unchged)
Richard Pzena 200,545 sh (-0.52%)
Private Capital 17,225 sh (-3.97%)
» More
» Details

Insider Trades

Latest Guru Trades with WSFS



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.90
WSFS's P/E(ttm) is ranked higher than
68% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. WSFS: 13.90 )
WSFS' s 10-Year P/E(ttm) Range
Min: 2.55   Max: 289.64
Current: 13.9

2.55
289.64
P/B 1.60
WSFS's P/B is ranked lower than
56% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. WSFS: 1.60 )
WSFS' s 10-Year P/B Range
Min: 0.39   Max: 2.52
Current: 1.6

0.39
2.52
P/S 3.00
WSFS's P/S is ranked higher than
53% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. WSFS: 3.00 )
WSFS' s 10-Year P/S Range
Min: 0.79   Max: 5
Current: 3

0.79
5
PFCF 11.20
WSFS's PFCF is ranked lower than
58% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. WSFS: 11.20 )
WSFS' s 10-Year PFCF Range
Min: 2.68   Max: 296.4
Current: 11.2

2.68
296.4
EV-to-EBIT 19.60
WSFS's EV-to-EBIT is ranked higher than
54% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. WSFS: 19.60 )
WSFS' s 10-Year EV-to-EBIT Range
Min: 3.2   Max: 425
Current: 19.6

3.2
425
PEG 0.20
WSFS's PEG is ranked higher than
94% of the 848 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. WSFS: 0.20 )
WSFS' s 10-Year PEG Range
Min: 0.09   Max: 801.5
Current: 0.2

0.09
801.5
Shiller P/E 28.50
WSFS's Shiller P/E is ranked lower than
59% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.71 vs. WSFS: 28.50 )
WSFS' s 10-Year Shiller P/E Range
Min: 4.58   Max: 31.43
Current: 28.5

4.58
31.43

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.70
WSFS's Dividend Yield is ranked lower than
89% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. WSFS: 0.70 )
WSFS' s 10-Year Dividend Yield Range
Min: 0.36   Max: 2.77
Current: 0.7

0.36
2.77
Dividend Payout 0.09
WSFS's Dividend Payout is ranked higher than
95% of the 1147 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. WSFS: 0.09 )
WSFS' s 10-Year Dividend Payout Range
Min: -1.6   Max: 0.33
Current: 0.09

-1.6
0.33
Yield on cost (5-Year) 0.70
WSFS's Yield on cost (5-Year) is ranked lower than
85% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. WSFS: 0.70 )
WSFS' s 10-Year Yield on cost (5-Year) Range
Min: 0.36   Max: 2.77
Current: 0.7

0.36
2.77
Share Buyback Rate -4.70
WSFS's Share Buyback Rate is ranked higher than
64% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.70 vs. WSFS: -4.70 )
WSFS' s 10-Year Share Buyback Rate Range
Min: 9   Max: -11.5
Current: -4.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
WSFS's Price/Tangible Book is ranked lower than
53% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. WSFS: 1.80 )
WSFS' s 10-Year Price/Tangible Book Range
Min: 0.63   Max: 2.93
Current: 1.8

0.63
2.93
Price/DCF (Projected) 0.80
WSFS's Price/DCF (Projected) is ranked higher than
60% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. WSFS: 0.80 )
WSFS' s 10-Year Price/DCF (Projected) Range
Min: 0.28   Max: 1.16
Current: 0.8

0.28
1.16
Price/Median PS Value 1.30
WSFS's Price/Median PS Value is ranked lower than
61% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. WSFS: 1.30 )
WSFS' s 10-Year Price/Median PS Value Range
Min: 0.46   Max: 1.99
Current: 1.3

0.46
1.99
Price/Graham Number 1.00
WSFS's Price/Graham Number is ranked higher than
60% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. WSFS: 1.00 )
WSFS' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 2.77
Current: 1

0.5
2.77
Earnings Yield (Greenblatt) 5.10
WSFS's Earnings Yield (Greenblatt) is ranked higher than
61% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. WSFS: 5.10 )
WSFS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 31.3
Current: 5.1

0.2
31.3
Forward Rate of Return (Yacktman) 8.63
WSFS's Forward Rate of Return (Yacktman) is ranked higher than
63% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. WSFS: 8.63 )
WSFS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.5   Max: 50.7
Current: 8.63

-3.5
50.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
WSFS Financial Corporation is parent to Wilmington Savings Fund Society, FSB. The Company's core banking business is commercial lending funded by customer-generated deposits. It has built a $2.2 billion commercial loan portfolio by recruiting the best seasoned commercial lenders in its markets and offering a high level of service and flexibility typically associated with a community bank. It funds this business mainly with deposits generated through commercial relationships and retail deposits in its 51 banking and trust offices located in Delaware, Pennsylvania, Virginia and Nevada. It also offers a variety of consumer loan products, retail securities and insurance brokerage services through its retail branches. It offers trust and wealth management services through Christiana Trust, Cypress Capital Management, LLC (Cypress), WSFS Investment Group brokerage and its Private Banking group. The Christiana Trust division provides investment, fiduciary, agency and commercial domicile services from locations in Delaware and Nevada and has over $17 billion in assets under administration. WSFS Bank provides these services to customers locally, nationally and internationally making use of the advantages of its branch facilities in Delaware and Nevada. The Company's Cash Connect division is a provider of ATM Vault Cash and related services in the United States. Cash Connect manages more than $444 million in vault cash in more than 13,000 ATMs nationwide. They also provide online reporting and ATM cash management, predictive cash ordering, armored carrier management, ATM processing and equipment sales. Cash Connect also operates over 440 ATMs for WSFS Bank, which owns by far, the largest branded ATM network in Delaware. The Company is subject to extensive federal and state banking laws, regulations, and policies that are intended mainly for the protection of depositors, the FDIC's Deposit Insurance Fund, and the banking system as a whole, not for the protection of its other creditors and stockholders.

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