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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 0.94
WSFS's Cash to Debt is ranked higher than
73% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.37 vs. WSFS: 0.94 )
WSFS' s 10-Year Cash to Debt Range
Min: 0.12   Max: 1.51
Current: 0.94

0.12
1.51
Equity to Asset 0.10
WSFS's Equity to Asset is ranked higher than
73% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. WSFS: 0.10 )
WSFS' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.11
Current: 0.1

0.05
0.11
Interest Coverage 4.51
WSFS's Interest Coverage is ranked higher than
87% of the 1886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. WSFS: 4.51 )
WSFS' s 10-Year Interest Coverage Range
Min: 0.29   Max: 4.67
Current: 4.51

0.29
4.67
F-Score: 6
Z-Score: 0.35
WACC vs ROIC
6.91%
7.70%
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 (%) 32.04
WSFS's Operating margin (%) is ranked higher than
78% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.23 vs. WSFS: 32.04 )
WSFS' s 10-Year Operating margin (%) Range
Min: -0.92   Max: 70.94
Current: 32.04

-0.92
70.94
Net-margin (%) 24.13
WSFS's Net-margin (%) is ranked higher than
80% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.13 vs. WSFS: 24.13 )
WSFS' s 10-Year Net-margin (%) Range
Min: 0.43   Max: 74.88
Current: 24.13

0.43
74.88
ROE (%) 12.28
WSFS's ROE (%) is ranked higher than
89% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.70 vs. WSFS: 12.28 )
WSFS' s 10-Year ROE (%) Range
Min: 0.26   Max: 71.56
Current: 12.28

0.26
71.56
ROA (%) 1.15
WSFS's ROA (%) is ranked higher than
87% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. WSFS: 1.15 )
WSFS' s 10-Year ROA (%) Range
Min: 0.02   Max: 5.59
Current: 1.15

0.02
5.59
ROC (Joel Greenblatt) (%) 206.27
WSFS's ROC (Joel Greenblatt) (%) is ranked higher than
90% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.54 vs. WSFS: 206.27 )
WSFS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -4.02   Max: 316.13
Current: 206.27

-4.02
316.13
Revenue Growth (3Y)(%) 3.30
WSFS's Revenue Growth (3Y)(%) is ranked higher than
81% of the 1760 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. WSFS: 3.30 )
WSFS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -8.1   Max: 53.9
Current: 3.3

-8.1
53.9
EBITDA Growth (3Y)(%) 22.70
WSFS's EBITDA Growth (3Y)(%) is ranked higher than
92% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 vs. WSFS: 22.70 )
WSFS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -51.1   Max: 105.6
Current: 22.7

-51.1
105.6
EPS Growth (3Y)(%) 36.40
WSFS's EPS Growth (3Y)(%) is ranked higher than
95% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. WSFS: 36.40 )
WSFS' s 10-Year EPS Growth (3Y)(%) Range
Min: -31.5   Max: 79.5
Current: 36.4

-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 2014

WSFS Guru Trades in Q1 2014

Jim Simons 236,862 sh (+21.98%)
Private Capital 17,225 sh (unchged)
Westport Asset Management 48,546 sh (unchged)
Richard Pzena 190,301 sh (-5.11%)
» More
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
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.10
WSFS's P/E(ttm) is ranked higher than
83% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.90 vs. WSFS: 13.10 )
WSFS' s 10-Year P/E(ttm) Range
Min: 8.63   Max: 289.64
Current: 13.1

8.63
289.64
Forward P/E 12.50
WSFS's Forward P/E is ranked higher than
79% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.73 vs. WSFS: 12.50 )
N/A
PE(NRI) 13.10
WSFS's PE(NRI) is ranked higher than
85% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.90 vs. WSFS: 13.10 )
WSFS' s 10-Year PE(NRI) Range
Min: 8.56   Max: 285.5
Current: 13.1

8.56
285.5
P/B 1.46
WSFS's P/B is ranked higher than
65% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. WSFS: 1.46 )
WSFS' s 10-Year P/B Range
Min: 0.39   Max: 2.52
Current: 1.46

0.39
2.52
P/S 3.17
WSFS's P/S is ranked higher than
69% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. WSFS: 3.17 )
WSFS' s 10-Year P/S Range
Min: 0.79   Max: 4.99
Current: 3.17

0.79
4.99
PFCF 11.31
WSFS's PFCF is ranked higher than
85% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WSFS: 11.31 )
WSFS' s 10-Year PFCF Range
Min: 2.58   Max: 30.6
Current: 11.31

2.58
30.6
POCF 10.51
WSFS's POCF is ranked higher than
83% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 41.60 vs. WSFS: 10.51 )
WSFS' s 10-Year POCF Range
Min: 2.31   Max: 18.16
Current: 10.51

2.31
18.16
EV-to-EBIT 10.45
WSFS's EV-to-EBIT is ranked higher than
88% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.72 vs. WSFS: 10.45 )
WSFS' s 10-Year EV-to-EBIT Range
Min: -408.1   Max: 425
Current: 10.45

-408.1
425
PEG 0.23
WSFS's PEG is ranked higher than
99% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WSFS: 0.23 )
WSFS' s 10-Year PEG Range
Min: 0.17   Max: 801.5
Current: 0.23

0.17
801.5
Shiller P/E 25.77
WSFS's Shiller P/E is ranked higher than
78% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WSFS: 25.77 )
WSFS' s 10-Year Shiller P/E Range
Min: 4.58   Max: 31.68
Current: 25.77

4.58
31.68
Days Sales Outstanding 19.30
WSFS's Days Sales Outstanding is ranked higher than
96% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WSFS: 19.30 )
WSFS' s 10-Year Days Sales Outstanding Range
Min: 16.49   Max: 193.4
Current: 19.3

16.49
193.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.71
WSFS's Dividend Yield is ranked lower than
90% of the 1924 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. WSFS: 0.71 )
WSFS' s 10-Year Dividend Yield Range
Min: 0.36   Max: 2.77
Current: 0.71

0.36
2.77
Dividend Payout 0.09
WSFS's Dividend Payout is ranked higher than
97% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. WSFS: 0.09 )
WSFS' s 10-Year Dividend Payout Range
Min: 0.02   Max: 0.33
Current: 0.09

0.02
0.33
Dividend growth (3y) 2.00
WSFS's Dividend growth (3y) is ranked higher than
71% of the 1182 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. WSFS: 2.00 )
WSFS' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 21.1
Current: 2

0
21.1
Yield on cost (5-Year) 0.73
WSFS's Yield on cost (5-Year) is ranked lower than
87% of the 1933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. WSFS: 0.73 )
WSFS' s 10-Year Yield on cost (5-Year) Range
Min: 0.38   Max: 2.9
Current: 0.73

0.38
2.9
Share Buyback Rate -2.20
WSFS's Share Buyback Rate is ranked higher than
70% of the 1468 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.10 vs. WSFS: -2.20 )
WSFS' s 10-Year Share Buyback Rate Range
Min: 9   Max: -11.5
Current: -2.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.65
WSFS's Price/Tangible Book is ranked higher than
68% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. WSFS: 1.65 )
WSFS' s 10-Year Price/Tangible Book Range
Min: 0.5   Max: 2.99
Current: 1.65

0.5
2.99
Price/DCF (Projected) 0.77
WSFS's Price/DCF (Projected) is ranked higher than
84% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WSFS: 0.77 )
WSFS' s 10-Year Price/DCF (Projected) Range
Min: 0.32   Max: 1.16
Current: 0.77

0.32
1.16
Price/Median PS Value 1.24
WSFS's Price/Median PS Value is ranked higher than
72% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. WSFS: 1.24 )
WSFS' s 10-Year Price/Median PS Value Range
Min: 0.42   Max: 1.81
Current: 1.24

0.42
1.81
Price/Peter Lynch Fair Value 0.52
WSFS's Price/Peter Lynch Fair Value is ranked higher than
98% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WSFS: 0.52 )
WSFS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.15   Max: 4
Current: 0.52

0.15
4
Price/Graham Number 0.99
WSFS's Price/Graham Number is ranked higher than
78% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. WSFS: 0.99 )
WSFS' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 2.77
Current: 0.99

0.5
2.77
Earnings Yield (Greenblatt) 9.60
WSFS's Earnings Yield (Greenblatt) is ranked higher than
85% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. WSFS: 9.60 )
WSFS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 15.3
Current: 9.6

0.2
15.3
Forward Rate of Return (Yacktman) 71.16
WSFS's Forward Rate of Return (Yacktman) is ranked higher than
95% of the 1318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. WSFS: 71.16 )
WSFS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.8   Max: 81.4
Current: 71.16

-1.8
81.4

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 10 2009 
WSFS Financial Corp. Reports Operating Results (10-Q) Aug 11 2009 
WSFS Financial Corp. Reports Operating Results (10-Q) May 12 2009 
WSFS Reports Preliminary Fourth Quarter 2008 Results Jan 22 2009 

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WSFS Announces Interim Leadership Roles Mar 17 2015
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WSFS FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 16 2015
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