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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.67
WSFS's Cash to Debt is ranked lower than
63% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. WSFS: 0.67 )
Ranked among companies with meaningful Cash to Debt only.
WSFS' s 10-Year Cash to Debt Range
Min: 0.09  Med: 0.23 Max: 1.51
Current: 0.67
0.09
1.51
Equity to Asset 0.10
WSFS's Equity to Asset is ranked higher than
51% of the 1337 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 10-Year Equity to Asset Range
Min: 0.05  Med: 0.07 Max: 0.11
Current: 0.1
0.05
0.11
Interest Coverage 4.51
WSFS's Interest Coverage is ranked higher than
77% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. WSFS: 4.51 )
Ranked among companies with meaningful Interest Coverage only.
WSFS' s 10-Year Interest Coverage Range
Min: 0.29  Med: 0.47 Max: 4.67
Current: 4.51
0.29
4.67
F-Score: 4
WACC vs ROIC
2.01%
6.97%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 33.00
WSFS's Operating margin (%) is ranked higher than
58% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. WSFS: 33.00 )
Ranked among companies with meaningful Operating margin (%) only.
WSFS' s 10-Year Operating margin (%) Range
Min: -0.92  Med: 35.63 Max: 70.94
Current: 33
-0.92
70.94
Net-margin (%) 21.60
WSFS's Net-margin (%) is ranked higher than
50% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. WSFS: 21.60 )
Ranked among companies with meaningful Net-margin (%) only.
WSFS' s 10-Year Net-margin (%) Range
Min: 0.43  Med: 24.93 Max: 74.88
Current: 21.6
0.43
74.88
ROE (%) 10.76
WSFS's ROE (%) is ranked higher than
68% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. WSFS: 10.76 )
Ranked among companies with meaningful ROE (%) only.
WSFS' s 10-Year ROE (%) Range
Min: -0.74  Med: 14.01 Max: 71.56
Current: 10.76
-0.74
71.56
ROA (%) 1.05
WSFS's ROA (%) is ranked higher than
64% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. WSFS: 1.05 )
Ranked among companies with meaningful ROA (%) only.
WSFS' s 10-Year ROA (%) Range
Min: 0.02  Med: 1.04 Max: 5.59
Current: 1.05
0.02
5.59
ROC (Joel Greenblatt) (%) 220.72
WSFS's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.67 vs. WSFS: 220.72 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
WSFS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -4.02  Med: 129.97 Max: 316.13
Current: 220.72
-4.02
316.13
Revenue Growth (3Y)(%) 3.20
WSFS's Revenue Growth (3Y)(%) is ranked higher than
57% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. WSFS: 3.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WSFS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -8.2  Med: 12.20 Max: 54.1
Current: 3.2
-8.2
54.1
EBITDA Growth (3Y)(%) 22.80
WSFS's EBITDA Growth (3Y)(%) is ranked higher than
82% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. WSFS: 22.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WSFS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -50.9  Med: 11.40 Max: 104.8
Current: 22.8
-50.9
104.8
EPS Growth (3Y)(%) 36.40
WSFS's EPS Growth (3Y)(%) is ranked higher than
87% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. WSFS: 36.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WSFS' s 10-Year EPS Growth (3Y)(%) Range
Min: -31.4  Med: 10.40 Max: 79.6
Current: 36.4
-31.4
79.6
» WSFS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

WSFS Guru Trades in Q2 2014

Jim Simons 248,984 sh (+5.12%)
Westport Asset Management Sold Out
Private Capital 17,100 sh (-0.73%)
Richard Pzena 185,618 sh (-2.46%)
» More
Q3 2014

WSFS Guru Trades in Q3 2014

Jim Simons 264,484 sh (+6.23%)
Richard Pzena 184,593 sh (-0.55%)
Private Capital 16,164 sh (-5.47%)
» More
Q4 2014

WSFS Guru Trades in Q4 2014

Jim Simons 291,857 sh (+10.35%)
Private Capital 14,994 sh (-7.24%)
Richard Pzena 170,643 sh (-7.56%)
» More
Q1 2015

WSFS Guru Trades in Q1 2015

Richard Pzena 162,142 sh (-4.98%)
Jim Simons 304,099 sh (-89.58%)
Private Capital 14,994 sh (-90.00%)
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.30
WSFS's P/E(ttm) is ranked lower than
62% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. WSFS: 16.30 )
Ranked among companies with meaningful P/E(ttm) only.
WSFS' s 10-Year P/E(ttm) Range
Min: 8.63  Med: 14.80 Max: 289.63
Current: 16.3
8.63
289.63
Forward P/E 13.87
WSFS's Forward P/E is ranked lower than
64% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. WSFS: 13.87 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.30
WSFS's PE(NRI) is ranked lower than
62% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. WSFS: 16.30 )
Ranked among companies with meaningful PE(NRI) only.
WSFS' s 10-Year PE(NRI) Range
Min: 8.56  Med: 14.81 Max: 266.46
Current: 16.3
8.56
266.46
P/B 1.60
WSFS's P/B is ranked lower than
78% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. WSFS: 1.60 )
Ranked among companies with meaningful P/B only.
WSFS' s 10-Year P/B Range
Min: 0.39  Med: 1.40 Max: 2.38
Current: 1.6
0.39
2.38
P/S 3.52
WSFS's P/S is ranked lower than
60% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. WSFS: 3.52 )
Ranked among companies with meaningful P/S only.
WSFS' s 10-Year P/S Range
Min: 0.79  Med: 2.57 Max: 4.99
Current: 3.52
0.79
4.99
PFCF 27.61
WSFS's PFCF is ranked lower than
83% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. WSFS: 27.61 )
Ranked among companies with meaningful PFCF only.
WSFS' s 10-Year PFCF Range
Min: 2.58  Med: 10.07 Max: 30.6
Current: 27.61
2.58
30.6
POCF 23.53
WSFS's POCF is ranked lower than
85% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. WSFS: 23.53 )
Ranked among companies with meaningful POCF only.
WSFS' s 10-Year POCF Range
Min: 2.3  Med: 8.28 Max: 23.54
Current: 23.53
2.3
23.54
EV-to-EBIT 14.07
WSFS's EV-to-EBIT is ranked higher than
51% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. WSFS: 14.07 )
Ranked among companies with meaningful EV-to-EBIT only.
WSFS' s 10-Year EV-to-EBIT Range
Min: -408.1  Med: 23.30 Max: 425
Current: 14.07
-408.1
425
PEG 0.29
WSFS's PEG is ranked higher than
92% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. WSFS: 0.29 )
Ranked among companies with meaningful PEG only.
WSFS' s 10-Year PEG Range
Min: 0.17  Med: 0.80 Max: 123.31
Current: 0.29
0.17
123.31
Shiller P/E 27.32
WSFS's Shiller P/E is ranked lower than
78% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. WSFS: 27.32 )
Ranked among companies with meaningful Shiller P/E only.
WSFS' s 10-Year Shiller P/E Range
Min: 4.55  Med: 11.30 Max: 31.55
Current: 27.32
4.55
31.55
Days Sales Outstanding 19.03
WSFS's Days Sales Outstanding is ranked higher than
82% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. WSFS: 19.03 )
Ranked among companies with meaningful Days Sales Outstanding only.
WSFS' s 10-Year Days Sales Outstanding Range
Min: 16.49  Med: 120.38 Max: 193.4
Current: 19.03
16.49
193.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.66
WSFS's Dividend Yield is ranked lower than
94% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. WSFS: 0.66 )
Ranked among companies with meaningful Dividend Yield only.
WSFS' s 10-Year Dividend Yield Range
Min: 0.36  Med: 0.79 Max: 2.77
Current: 0.66
0.36
2.77
Dividend Payout 0.10
WSFS's Dividend Payout is ranked higher than
94% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. WSFS: 0.10 )
Ranked among companies with meaningful Dividend Payout only.
WSFS' s 10-Year Dividend Payout Range
Min: 0.01  Med: 0.09 Max: 0.93
Current: 0.1
0.01
0.93
Dividend growth (3y) 2.00
WSFS's Dividend growth (3y) is ranked lower than
69% of the 657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. WSFS: 2.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
WSFS' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 10.20 Max: 20.9
Current: 2
0
20.9
Yield on cost (5-Year) 0.70
WSFS's Yield on cost (5-Year) is ranked lower than
93% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. WSFS: 0.70 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WSFS' s 10-Year Yield on cost (5-Year) Range
Min: 0.38  Med: 0.83 Max: 2.9
Current: 0.7
0.38
2.9
Share Buyback Rate -2.20
WSFS's Share Buyback Rate is ranked lower than
52% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. WSFS: -2.20 )
Ranked among companies with meaningful Share Buyback Rate only.
WSFS' s 10-Year Share Buyback Rate Range
Min: 9  Med: 5.20 Max: -11.5
Current: -2.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.81
WSFS's Price/Tangible Book is ranked lower than
76% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. WSFS: 1.81 )
Ranked among companies with meaningful Price/Tangible Book only.
WSFS' s 10-Year Price/Tangible Book Range
Min: 0.5  Med: 1.61 Max: 2.94
Current: 1.81
0.5
2.94
Price/Projected FCF 0.89
WSFS's Price/Projected FCF is ranked lower than
66% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. WSFS: 0.89 )
Ranked among companies with meaningful Price/Projected FCF only.
WSFS' s 10-Year Price/Projected FCF Range
Min: 0.08  Med: 0.71 Max: 3.46
Current: 0.89
0.08
3.46
Price/Median PS Value 1.37
WSFS's Price/Median PS Value is ranked lower than
77% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. WSFS: 1.37 )
Ranked among companies with meaningful Price/Median PS Value only.
WSFS' s 10-Year Price/Median PS Value Range
Min: 0.24  Med: 0.86 Max: 1.79
Current: 1.37
0.24
1.79
Price/Peter Lynch Fair Value 0.65
WSFS's Price/Peter Lynch Fair Value is ranked higher than
74% of the 358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. WSFS: 0.65 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
WSFS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.11  Med: 0.61 Max: 8.32
Current: 0.65
0.11
8.32
Price/Graham Number 1.15
WSFS's Price/Graham Number is ranked lower than
72% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. WSFS: 1.15 )
Ranked among companies with meaningful Price/Graham Number only.
WSFS' s 10-Year Price/Graham Number Range
Min: 0.42  Med: 0.95 Max: 2.76
Current: 1.15
0.42
2.76
Earnings Yield (Greenblatt) (%) 7.10
WSFS's Earnings Yield (Greenblatt) (%) is ranked higher than
56% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. WSFS: 7.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WSFS' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 4.00 Max: 15.3
Current: 7.1
0.2
15.3
Forward Rate of Return (Yacktman) (%) 46.30
WSFS's Forward Rate of Return (Yacktman) (%) is ranked higher than
89% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. WSFS: 46.30 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WSFS' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -1.8  Med: 32.15 Max: 81.5
Current: 46.3
-1.8
81.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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 largest 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 primarily 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 primarily for the protection of depositors, the FDIC's Deposit Insurance Fund, and the banking system as a whole, not for the protection of our other creditors and stockholders.
» More Articles for WSFS

Headlines

Articles On GuruFocus.com
Ted Weschler Begins Closing Down Shop to Join Berkshire Hathaway Dec 23 2011 
holdings of Ted Wesc Sep 13 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 
WSFS Reports Preliminary Fourth Quarter 2008 Results Jan 22 2009 

More From Other Websites
WSFS to Present at the Keefe, Bruyette & Woods 2015 Community Bank Investor Conference Jul 27 2015
Edited Transcript of WSFS earnings conference call or presentation 24-Jul-15 5:00pm GMT Jul 24 2015
WSFS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 24 2015
WSFS posts 2Q profit Jul 23 2015
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WSFS Reports 2Q 2015 EPS of $0.43; Core Net Revenue Grew 16% Annualized; and Loans Grew 13%... Jul 23 2015
Q2 2015 WSFS Financial Corp Earnings Release - After Market Close Jul 23 2015
WSFS Announces 2nd Quarter 2015 Earnings Release Date and Conference Call Jul 16 2015
Bank unveils ATM that no longer requires debit card Jun 26 2015
WSFS Bank Introduces WSFS Mobile Cash Jun 25 2015
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WSFS FINANCIAL CORP Financials May 19 2015
10-Q for WSFS Financial Corp. May 13 2015
WSFS FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 11 2015
WSFS FINANCIAL CORP Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in Fiscal... May 05 2015
WSFS Financial Corporation Announces Results of Annual Meeting, Shareholders Approve All Proposals... May 04 2015

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