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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 0.70
WSFS's Cash to Debt is ranked lower than
66% of the 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. WSFS: 0.70 )
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: 0.7
0.09
1.51
Equity to Asset 0.11
WSFS's Equity to Asset is ranked higher than
59% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. WSFS: 0.11 )
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: 0.11
0.05
0.11
Interest Coverage 5.36
WSFS's Interest Coverage is ranked higher than
82% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. WSFS: 5.36 )
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: 5.36
0.3
5.31
F-Score: 6
M-Score: -2.36
WACC vs ROIC
6.87%
6.99%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 33.40
WSFS's Operating margin (%) is ranked higher than
56% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 vs. WSFS: 33.40 )
Ranked among companies with meaningful Operating margin (%) only.
WSFS' s Operating margin (%) Range Over the Past 10 Years
Min: -0.92  Med: 27.32 Max: 39.04
Current: 33.4
-0.92
39.04
Net-margin (%) 21.40
WSFS's Net-margin (%) is ranked lower than
54% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 vs. WSFS: 21.40 )
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: 21.4
0.43
25.75
ROE (%) 10.49
WSFS's ROE (%) is ranked higher than
64% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 vs. WSFS: 10.49 )
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: 10.49
-0.74
15.45
ROA (%) 1.07
WSFS's ROA (%) is ranked higher than
63% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. WSFS: 1.07 )
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: 1.07
0.02
1.15
Revenue Growth (3Y)(%) 2.80
WSFS's Revenue Growth (3Y)(%) is ranked higher than
51% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 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: 10.00 Max: 50.3
Current: 2.8
-8.1
50.3
EBITDA Growth (3Y)(%) 8.50
WSFS's EBITDA Growth (3Y)(%) is ranked higher than
58% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 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: -51.4  Med: 11.40 Max: 107.2
Current: 8.5
-51.4
107.2
EPS Growth (3Y)(%) 19.60
WSFS's EPS Growth (3Y)(%) is ranked higher than
76% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. WSFS: 19.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WSFS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.6  Med: 14.20 Max: 74.5
Current: 19.6
-31.6
74.5
» WSFS's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-24)


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

» Details

Guru Trades

Q2 2015

WSFS Guru Trades in Q2 2015

Jim Simons 896,252 sh (+194.72%)
Private Capital 42,582 sh (+183.99%)
Richard Pzena 490,826 sh (-69.73%)
» More
Q3 2015

WSFS Guru Trades in Q3 2015

Richard Pzena 594,208 sh (+21.06%)
Jim Simons 917,100 sh (+2.33%)
Private Capital 42,582 sh (unchged)
» More
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
» 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:BBCN, NAS:FIBK, NAS:LTXB, NAS:WSBC, NAS:NBTB, NAS:OPB » 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 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.

Ratios

vs
industry
vs
history
P/E(ttm) 18.51
WSFS's P/E(ttm) is ranked lower than
75% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. WSFS: 18.51 )
Ranked among companies with meaningful P/E(ttm) only.
WSFS' s P/E(ttm) Range Over the Past 10 Years
Min: 8.63  Med: 14.86 Max: 289.57
Current: 18.51
8.63
289.57
Forward P/E 14.33
WSFS's Forward P/E is ranked lower than
80% of the 399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.51 vs. WSFS: 14.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.51
WSFS's PE(NRI) is ranked lower than
75% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. WSFS: 18.51 )
Ranked among companies with meaningful PE(NRI) only.
WSFS' s PE(NRI) Range Over the Past 10 Years
Min: 8.56  Med: 14.88 Max: 266.4
Current: 18.51
8.56
266.4
Price/Owner Earnings (ttm) 17.53
WSFS's Price/Owner Earnings (ttm) is ranked lower than
74% of the 871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.93 vs. WSFS: 17.53 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
WSFS' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.12  Med: 14.47 Max: 34.03
Current: 17.53
7.12
34.03
P/B 1.70
WSFS's P/B is ranked lower than
83% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. WSFS: 1.70 )
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: 2.38
Current: 1.7
0.39
2.38
P/S 3.91
WSFS's P/S is ranked lower than
68% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. WSFS: 3.91 )
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: 4.4
Current: 3.91
0.79
4.4
PFCF 11.54
WSFS's PFCF is ranked lower than
57% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.99 vs. WSFS: 11.54 )
Ranked among companies with meaningful PFCF only.
WSFS' s PFCF Range Over the Past 10 Years
Min: 2.58  Med: 10.40 Max: 31.03
Current: 11.54
2.58
31.03
POCF 10.49
WSFS's POCF is ranked lower than
61% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.81 vs. WSFS: 10.49 )
Ranked among companies with meaningful POCF only.
WSFS' s POCF Range Over the Past 10 Years
Min: 2.31  Med: 8.60 Max: 20.76
Current: 10.49
2.31
20.76
EV-to-EBIT 14.78
WSFS's EV-to-EBIT is ranked lower than
57% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. WSFS: 14.78 )
Ranked among companies with meaningful EV-to-EBIT only.
WSFS' s EV-to-EBIT Range Over the Past 10 Years
Min: -394  Med: 18.00 Max: 425
Current: 14.78
-394
425
EV-to-EBITDA 13.49
WSFS's EV-to-EBITDA is ranked lower than
57% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.75 vs. WSFS: 13.49 )
Ranked among companies with meaningful EV-to-EBITDA only.
WSFS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -987.8  Med: 19.30 Max: 381.8
Current: 13.49
-987.8
381.8
PEG 0.77
WSFS's PEG is ranked higher than
64% of the 746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. WSFS: 0.77 )
Ranked among companies with meaningful PEG only.
WSFS' s PEG Range Over the Past 10 Years
Min: 0.17  Med: 0.88 Max: 11.4
Current: 0.77
0.17
11.4
Shiller P/E 28.68
WSFS's Shiller P/E is ranked lower than
81% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.88 vs. WSFS: 28.68 )
Ranked among companies with meaningful Shiller P/E only.
WSFS' s Shiller P/E Range Over the Past 10 Years
Min: 3.38  Med: 11.03 Max: 28.72
Current: 28.68
3.38
28.72

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.65
WSFS's Dividend Yield is ranked lower than
94% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.05 vs. WSFS: 0.65 )
Ranked among companies with meaningful Dividend Yield only.
WSFS' s Dividend Yield Range Over the Past 10 Years
Min: 0.4  Med: 0.78 Max: 2.77
Current: 0.65
0.4
2.77
Dividend Payout 0.11
WSFS's Dividend Payout is ranked higher than
91% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. WSFS: 0.11 )
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: 0.8
Current: 0.11
0.01
0.8
Dividend Growth (3y) 9.50
WSFS's Dividend Growth (3y) is ranked higher than
54% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 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: 10.20 Max: 20.9
Current: 9.5
0
20.9
Forward Dividend Yield 0.68
WSFS's Forward Dividend Yield is ranked lower than
95% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. WSFS: 0.68 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.81
WSFS's Yield on cost (5-Year) is ranked lower than
91% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.53 vs. WSFS: 0.81 )
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: 0.5  Med: 0.97 Max: 3.45
Current: 0.81
0.5
3.45
3-Year Average Share Buyback Ratio -4.20
WSFS's 3-Year Average Share Buyback Ratio is ranked lower than
60% of the 1070 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: 3.20 Max: 10.4
Current: -4.2
-12
10.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.08
WSFS's Price/Tangible Book is ranked lower than
84% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. WSFS: 2.08 )
Ranked among companies with meaningful Price/Tangible Book only.
WSFS' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.5  Med: 1.66 Max: 2.94
Current: 2.08
0.5
2.94
Price/Projected FCF 0.82
WSFS's Price/Projected FCF is ranked lower than
67% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. WSFS: 0.82 )
Ranked among companies with meaningful Price/Projected FCF only.
WSFS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.08  Med: 0.66 Max: 2.7
Current: 0.82
0.08
2.7
Price/Median PS Value 1.51
WSFS's Price/Median PS Value is ranked lower than
89% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. WSFS: 1.51 )
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: 0.99 Max: 1.8
Current: 1.51
0.4
1.8
Price/Peter Lynch Fair Value 1.08
WSFS's Price/Peter Lynch Fair Value is ranked lower than
59% of the 441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. WSFS: 1.08 )
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: 0.62 Max: 8.32
Current: 1.08
0.11
8.32
Price/Graham Number 1.31
WSFS's Price/Graham Number is ranked lower than
83% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. WSFS: 1.31 )
Ranked among companies with meaningful Price/Graham Number only.
WSFS' s Price/Graham Number Range Over the Past 10 Years
Min: 0.46  Med: 0.98 Max: 3.01
Current: 1.31
0.46
3.01
Earnings Yield (Greenblatt) (%) 6.76
WSFS's Earnings Yield (Greenblatt) (%) is ranked lower than
51% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. WSFS: 6.76 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WSFS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 4.75 Max: 15.3
Current: 6.76
0.2
15.3
Forward Rate of Return (Yacktman) (%) 24.39
WSFS's Forward Rate of Return (Yacktman) (%) is ranked higher than
74% of the 861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. WSFS: 24.39 )
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: 30.80 Max: 80.3
Current: 24.39
-0.9
80.3

More Statistics

Revenue (TTM) (Mil) $263.6
EPS (TTM) $ 1.92
Beta1.13
Short Percentage of Float3.63%
52-Week Range $24.36 - 35.96
Shares Outstanding (Mil)29.54

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 2.20 2.48
EPS without NRI ($) 2.20 2.48
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» 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
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CFO Moves: WSFS Financial May 11 2016
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WSFS FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... May 11 2016
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WSFS FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 06 2016
WSFS Bank Hosts Bring Your Children to the Community Day May 04 2016
WSFS Financial Corp. :WSFS-US: Earnings Analysis: Q1, 2016 By the Numbers May 03 2016
WSFS FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 03 2016
Edited Transcript of WSFS earnings conference call or presentation 29-Apr-16 5:00pm GMT Apr 29 2016
WSFS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 29 2016
WSFS posts 1Q profit Apr 28 2016
WSFS posts 1Q profit Apr 28 2016
WSFS Reports EPS of $0.52, ROA of 1.13% and ROTCE of 13.1% for the 1st Quarter of 2016, Driven by... Apr 28 2016
WSFS Reports EPS of $0.52, ROA of 1.13% and ROTCE of 13.1% for the 1st Quarter of 2016, Driven by... Apr 28 2016

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