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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.77
WSFS's Cash to Debt is ranked lower than
67% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.02 vs. WSFS: 0.77 )
Ranked among companies with meaningful Cash to Debt only.
WSFS' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.25 Max: 1.51
Current: 0.77
0.09
1.51
Equity to Asset 0.10
WSFS's Equity to Asset is ranked lower than
51% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. WSFS: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
WSFS' s Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.07 Max: 0.11
Current: 0.1
0.05
0.11
Interest Coverage 4.59
WSFS's Interest Coverage is ranked higher than
78% of the 1751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. WSFS: 4.59 )
Ranked among companies with meaningful Interest Coverage only.
WSFS' s Interest Coverage Range Over the Past 10 Years
Min: 0.3  Med: 1.05 Max: 5.31
Current: 4.59
0.3
5.31
F-Score: 5
M-Score: -2.24
WACC vs ROIC
7.53%
6.81%
WACC
ROIC
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 (%) 32.09
WSFS's Operating margin (%) is ranked higher than
53% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.82 vs. WSFS: 32.09 )
Ranked among companies with meaningful Operating margin (%) only.
WSFS' s Operating margin (%) Range Over the Past 10 Years
Min: -0.92  Med: 27.59 Max: 39.04
Current: 32.09
-0.92
39.04
Net-margin (%) 20.93
WSFS's Net-margin (%) is ranked lower than
55% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. WSFS: 20.93 )
Ranked among companies with meaningful Net-margin (%) only.
WSFS' s Net-margin (%) Range Over the Past 10 Years
Min: 0.43  Med: 17.82 Max: 25.75
Current: 20.93
0.43
25.75
ROE (%) 10.02
WSFS's ROE (%) is ranked higher than
62% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. WSFS: 10.02 )
Ranked among companies with meaningful ROE (%) only.
WSFS' s ROE (%) Range Over the Past 10 Years
Min: -0.74  Med: 8.78 Max: 15.45
Current: 10.02
-0.74
15.45
ROA (%) 1.04
WSFS's ROA (%) is ranked higher than
62% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. WSFS: 1.04 )
Ranked among companies with meaningful ROA (%) only.
WSFS' s ROA (%) Range Over the Past 10 Years
Min: 0.02  Med: 0.84 Max: 1.15
Current: 1.04
0.02
1.15
Revenue Growth (3Y)(%) 2.80
WSFS's Revenue Growth (3Y)(%) is ranked lower than
52% of the 1368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. WSFS: 2.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WSFS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.1  Med: 12.1 Max: 54
Current: 2.8
-8.1
54
EBITDA Growth (3Y)(%) 8.50
WSFS's EBITDA Growth (3Y)(%) is ranked higher than
59% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. WSFS: 8.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WSFS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -51.1  Med: 11.4 Max: 105.7
Current: 8.5
-51.1
105.7
EPS Growth (3Y)(%) 19.50
WSFS's EPS Growth (3Y)(%) is ranked higher than
77% of the 1227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. WSFS: 19.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WSFS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.5  Med: 11.1 Max: 79.5
Current: 19.5
-31.5
79.5
» WSFS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2015

WSFS Guru Trades in Q4 2015

Jim Simons 993,405 sh (+8.32%)
Richard Pzena 590,483 sh (-0.63%)
Private Capital 40,942 sh (-3.85%)
» More
Q1 2016

WSFS Guru Trades in Q1 2016

Jim Simons 1,041,914 sh (+4.88%)
Richard Pzena 587,338 sh (-0.53%)
Private Capital 35,152 sh (-14.14%)
» More
Q2 2016

WSFS Guru Trades in Q2 2016

Jim Simons 1,083,105 sh (+3.95%)
Richard Pzena 578,654 sh (-1.48%)
Private Capital 30,225 sh (-14.02%)
» More
Q3 2016

WSFS Guru Trades in Q3 2016

Paul Tudor Jones 15,500 sh (New)
Richard Pzena 590,212 sh (+2.00%)
Private Capital Sold Out
Jim Simons 1,067,714 sh (-1.42%)
» More
» Details

Insider Trades

Latest Guru Trades with WSFS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:BNCL, AMEX:TMP, NAS:BANF, NAS:BPFH, NAS:FRME, NYSE:FBP, NAS:STBA, NAS:UBSH, NAS:HTLF, NYSE:FCF, NAS:IBTX, NAS:SFNC, NAS:LKFN, NAS:ABCB, NAS:CBF, NAS:BRKL, NAS:BUSE, NAS:CSFL, NAS:WABC, NAS:BNCN » details
WSFS Financial Corp is a savings and loan holding company, which provides residential and commercial real estate, commercial and consumer lending services, as well as retail deposit and cash management services.

WSFS Financial Corp is a savings and loan holding company founded in 1832. The Company has three business segments. There is one segment for each of WSFS Bank, Cash Connect, (the ATM division of WSFS Bank), and Trust and Wealth Management. The WSFS Bank segment provides financial products to commercial and retail customers through its 51 offices located in Delaware (41), Pennsylvania (8) and Virginia (1) and Nevada (1). Retail and Commercial Banking, Commercial Real Estate Lending and other banking business units are operating departments of WSFS. These departments share the same regulator, the same market, many of the same customers and provide similar products and services through the general infrastructure of the Bank. Cash Connect provides turnkey ATM services through strategic partnerships with several of the networks, manufacturers and service providers in the ATM industry. The balance sheet category 'Cash in non-owned ATMs' includes cash from which fee income is earned through bailment arrangements with customers of Cash Connect. The Wealth Management division provides a broad array of fiduciary, investment management, credit and deposit products to clients through four businesses. WSFS Investment Group, Inc. provides insurance and brokerage products to its retail banking clients. Cypress Capital Management, LLC ('Cypress') is a registered investment advisor. Cypress' primary market segment is high net worth individuals, offering a 'balanced' investment style focused on preservation of capital and current income. Christiana Trust provides fiduciary and investment services to personal trust clients, trustee, agency, custodial and commercial domicile services to corporate and institutional clients. WSFS Private Banking serves high net worth clients by delivering credit and deposit products and partnering with Cypress, Christiana Trust and WSFS Investment Group to deliver investment management and fiduciary products and services. The Company is subject to extensive federal and state banking laws, regulations, and policies that are intended for the protection of depositors, the FDIC's Deposit Insurance Fund, and the banking system as a whole, not for the protection of other creditors and stockholders.

Ratios

vs
industry
vs
history
P/E(ttm) 21.81
WSFS's P/E(ttm) is ranked lower than
80% of the 2008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. WSFS: 21.81 )
Ranked among companies with meaningful P/E(ttm) only.
WSFS' s P/E(ttm) Range Over the Past 10 Years
Min: 8.63  Med: 14.89 Max: 302.73
Current: 21.81
8.63
302.73
Forward P/E 17.89
WSFS's Forward P/E is ranked lower than
81% of the 561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.92 vs. WSFS: 17.89 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 21.81
WSFS's PE(NRI) is ranked lower than
78% of the 1604 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.85 vs. WSFS: 21.81 )
Ranked among companies with meaningful PE(NRI) only.
WSFS' s PE(NRI) Range Over the Past 10 Years
Min: 8.66  Med: 14.89 Max: 266.4
Current: 21.81
8.66
266.4
Price/Owner Earnings (ttm) 18.78
WSFS's Price/Owner Earnings (ttm) is ranked lower than
67% of the 909 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.74 vs. WSFS: 18.78 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
WSFS' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.41  Med: 15.33 Max: 38.85
Current: 18.78
7.41
38.85
P/B 1.84
WSFS's P/B is ranked lower than
81% of the 1990 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. WSFS: 1.84 )
Ranked among companies with meaningful P/B only.
WSFS' s P/B Range Over the Past 10 Years
Min: 0.39  Med: 1.41 Max: 2.35
Current: 1.84
0.39
2.35
P/S 4.49
WSFS's P/S is ranked lower than
73% of the 2055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. WSFS: 4.49 )
Ranked among companies with meaningful P/S only.
WSFS' s P/S Range Over the Past 10 Years
Min: 0.79  Med: 2.58 Max: 4.62
Current: 4.49
0.79
4.62
PFCF 21.68
WSFS's PFCF is ranked lower than
78% of the 982 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.99 vs. WSFS: 21.68 )
Ranked among companies with meaningful PFCF only.
WSFS' s PFCF Range Over the Past 10 Years
Min: 2.58  Med: 10.54 Max: 31.03
Current: 21.68
2.58
31.03
POCF 18.30
WSFS's POCF is ranked lower than
79% of the 1130 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.66 vs. WSFS: 18.30 )
Ranked among companies with meaningful POCF only.
WSFS' s POCF Range Over the Past 10 Years
Min: 2.31  Med: 8.6 Max: 20.76
Current: 18.3
2.31
20.76
EV-to-EBIT 17.36
WSFS's EV-to-EBIT is ranked lower than
70% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.02 vs. WSFS: 17.36 )
Ranked among companies with meaningful EV-to-EBIT only.
WSFS' s EV-to-EBIT Range Over the Past 10 Years
Min: -394  Med: 16 Max: 425
Current: 17.36
-394
425
EV-to-EBITDA 15.77
WSFS's EV-to-EBITDA is ranked lower than
69% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.08 vs. WSFS: 15.77 )
Ranked among companies with meaningful EV-to-EBITDA only.
WSFS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -987.8  Med: 14.45 Max: 381.8
Current: 15.77
-987.8
381.8
PEG 0.99
WSFS's PEG is ranked higher than
59% of the 748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. WSFS: 0.99 )
Ranked among companies with meaningful PEG only.
WSFS' s PEG Range Over the Past 10 Years
Min: 0.17  Med: 1.03 Max: 10.93
Current: 0.99
0.17
10.93
Shiller P/E 34.06
WSFS's Shiller P/E is ranked lower than
81% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.87 vs. WSFS: 34.06 )
Ranked among companies with meaningful Shiller P/E only.
WSFS' s Shiller P/E Range Over the Past 10 Years
Min: 3.36  Med: 11 Max: 35.01
Current: 34.06
3.36
35.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.58
WSFS's Dividend Yield is ranked lower than
94% of the 2321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.78 vs. WSFS: 0.58 )
Ranked among companies with meaningful Dividend Yield only.
WSFS' s Dividend Yield Range Over the Past 10 Years
Min: 0.41  Med: 0.78 Max: 2.77
Current: 0.58
0.41
2.77
Dividend Payout 0.12
WSFS's Dividend Payout is ranked higher than
91% of the 1305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. WSFS: 0.12 )
Ranked among companies with meaningful Dividend Payout only.
WSFS' s Dividend Payout Range Over the Past 10 Years
Min: 0.01  Med: 0.09 Max: 1
Current: 0.12
0.01
1
Dividend Growth (3y) 9.50
WSFS's Dividend Growth (3y) is ranked higher than
54% of the 738 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 vs. WSFS: 9.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
WSFS' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 10.2 Max: 20.9
Current: 9.5
0
20.9
Forward Dividend Yield 0.63
WSFS's Forward Dividend Yield is ranked lower than
95% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. WSFS: 0.63 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.72
WSFS's Yield on cost (5-Year) is ranked lower than
94% of the 2628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.46 vs. WSFS: 0.72 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WSFS' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.51  Med: 0.97 Max: 3.45
Current: 0.72
0.51
3.45
3-Year Average Share Buyback Ratio -4.20
WSFS's 3-Year Average Share Buyback Ratio is ranked lower than
59% of the 1057 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. WSFS: -4.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
WSFS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -12  Med: 3.2 Max: 10.4
Current: -4.2
-12
10.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.45
WSFS's Price/Tangible Book is ranked lower than
86% of the 2002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. WSFS: 2.45 )
Ranked among companies with meaningful Price/Tangible Book only.
WSFS' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.5  Med: 1.68 Max: 2.94
Current: 2.45
0.5
2.94
Price/Projected FCF 0.97
WSFS's Price/Projected FCF is ranked lower than
65% of the 1125 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. WSFS: 0.97 )
Ranked among companies with meaningful Price/Projected FCF only.
WSFS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.08  Med: 0.68 Max: 2.7
Current: 0.97
0.08
2.7
Price/Median PS Value 1.75
WSFS's Price/Median PS Value is ranked lower than
90% of the 1898 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. WSFS: 1.75 )
Ranked among companies with meaningful Price/Median PS Value only.
WSFS' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.4  Med: 1.06 Max: 1.8
Current: 1.75
0.4
1.8
Price/Peter Lynch Fair Value 1.58
WSFS's Price/Peter Lynch Fair Value is ranked lower than
70% of the 511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. WSFS: 1.58 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
WSFS' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.11  Med: 0.64 Max: 8.32
Current: 1.58
0.11
8.32
Price/Graham Number 1.54
WSFS's Price/Graham Number is ranked lower than
86% of the 1743 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. WSFS: 1.54 )
Ranked among companies with meaningful Price/Graham Number only.
WSFS' s Price/Graham Number Range Over the Past 10 Years
Min: 0.45  Med: 1 Max: 3.01
Current: 1.54
0.45
3.01
Earnings Yield (Greenblatt) (%) 5.76
WSFS's Earnings Yield (Greenblatt) (%) is ranked lower than
52% of the 2188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. WSFS: 5.76 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WSFS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 5.8 Max: 15.3
Current: 5.76
0.2
15.3
Forward Rate of Return (Yacktman) (%) 19.52
WSFS's Forward Rate of Return (Yacktman) (%) is ranked higher than
68% of the 879 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.55 vs. WSFS: 19.52 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WSFS' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -0.9  Med: 29.8 Max: 80.3
Current: 19.52
-0.9
80.3

More Statistics

Revenue (TTM) (Mil) $286.5
EPS (TTM) $ 1.97
Beta1.09
Short Percentage of Float1.79%
52-Week Range $26.40 - 44.30
Shares Outstanding (Mil)31.32

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.26 2.47 2.65
EPS w/o NRI ($) 2.26 2.47 2.65
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for WSFS

Headlines

Articles On GuruFocus.com
Ted Weschler Begins Closing Down Shop to Join Berkshire Hathaway Dec 23 2011 
WSFS Financial Corp. Reports Operating Results (10-Q) Nov 09 2010 
WSFS Financial Corp. Reports Operating Results (10-Q) Jul 30 2010 
WSFS Financial Corp. (WSFS) CEO Mark A Turner sells 16,000 Shares May 12 2010 
WSFS Financial Corp. Reports Operating Results (10-Q) Nov 09 2009 
WSFS Financial Corp. Reports Operating Results (10-Q) Aug 10 2009 
WSFS Financial Corp. Reports Operating Results (10-Q) May 11 2009 

More From Other Websites
WSFS Financial Corporation (Nasdaq: WSFS) to Ring The Nasdaq Stock Market Opening Bell Nov 18 2016
WSFS to Ring the Nasdaq Market Opening Bell Nov 17 2016
WSFS FINANCIAL CORP Financials Nov 17 2016
Photo Release -- WSFS Congratulates Peggy H. Eddens for Winning the 2016 Ron Shane Human Resources... Nov 16 2016
Photo Release -- WSFS Announces Senior Leadership Promotions Nov 15 2016
Photo Release -- WSFS Announces Senior Leadership Promotions Nov 15 2016
WSFS to Present at the Sandler O'Neill + Partners 2016 East Coast Financial Services Conference Nov 10 2016
WSFS Financial Corp. breached its 50 day moving average in a Bullish Manner : WSFS-US : November 10,... Nov 10 2016
WSFS FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 09 2016
ETF’s with exposure to WSFS Financial Corp. : November 2, 2016 Nov 02 2016
WSFS FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure Nov 02 2016
WSFS Financial Corp. :WSFS-US: Earnings Analysis: Q3, 2016 By the Numbers : October 31, 2016 Oct 31 2016
WSFS Financial upgraded by Keefe Bruyette Oct 31 2016
Edited Transcript of WSFS earnings conference call or presentation 28-Oct-16 5:00pm GMT Oct 28 2016
WSFS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 28 2016
WSFS posts 3Q profit Oct 28 2016
WSFS Reports 3Q 2016 EPS of $0.41; Results Impacted by Acquisition Costs and Active Credit... Oct 27 2016
WSFS Reports 3Q 2016 EPS of $0.41; Results Impacted by Acquisition Costs and Active Credit... Oct 27 2016
Q3 2016 WSFS Financial Corp Earnings Release - After Market Close Oct 27 2016
Savings & Loan Stocks' Earnings on Oct 27: WSFS, ISBC & More Oct 26 2016

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