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51.97 (1y: +38%)
Market Cap 453.24 M P/E(ttm) 14.40
Enterprise Value 1.06 B P/B 1.10
WSFS- NAS (USA)
WSFS Financial Corporation
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$51.97
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GuruFocus Financial Strength Rank measures how strong a companyย’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 1.161
WSFS's Cash to Debt is ranked higher than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. WSFS: 1.161 )
WSFS' s 10-Year Cash to Debt Range
Min: 0.12   Max: 1.51
Current: 1.16
0.12
1.51
Equity to Asset 0.089
WSFS's Equity to Asset is ranked lower than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. WSFS: 0.089 )
WSFS' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.11
Current: 0.09
0.05
0.11
Interest Coverage No Debt
WSFS's Interest Coverage is ranked lower than
90% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. WSFS: No Debt )
WSFS' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.4
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 22.60
WSFS's Operating margin (%) is ranked higher than
64% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. WSFS: 22.60 )
WSFS' s 10-Year Operating margin (%) Range
Min: -0.9   Max: 70.9
Current: 22.6
-0.9
70.9
Net-margin (%) 14.7
WSFS's Net-margin (%) is ranked higher than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. WSFS: 14.7 )
WSFS' s 10-Year Net-margin (%) Range
Min: 0.4   Max: 74.9
Current: 14.7
0.4
74.9
ROE (%) 7.4
WSFS's ROE (%) is ranked higher than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. WSFS: 7.4 )
WSFS' s 10-Year ROE (%) Range
Min: 0.2   Max: 55.4
Current: 7.4
0.2
55.4
ROA (%) 0.7
WSFS's ROA (%) is ranked higher than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. WSFS: 0.7 )
WSFS' s 10-Year ROA (%) Range
Min: 0.4   Max: 5.9
Current: 0.7
0.4
5.9
Revenue Growth (%) 0.2
WSFS's Revenue Growth (%) is ranked higher than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. WSFS: 0.2 )
WSFS' s 10-Year Revenue Growth (%) Range
Min: -6.2   Max: 35.8
Current: 0.2
-6.2
35.8
EBITDA Growth (%) 72.7
WSFS's EBITDA Growth (%) is ranked higher than
70% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.10 vs. WSFS: 72.7 )
WSFS' s 10-Year EBITDA Growth (%) Range
Min: -41.8   Max: 72.7
Current: 72.7
-41.8
72.7
ยป WSFS's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

WSFS Guru Trades in Q2 2012

Jim Simons 71,584 sh (+2.73%)
Westport Asset Management 48,546 sh (unchged)
Richard Pzena 334,219 sh (-4.6%)
Private Capital 47,446 sh (-8.36%)
» More
Q3 2012

WSFS Guru Trades in Q3 2012

Westport Asset Management 48,546 sh (unchged)
Jim Simons Sold Out
Richard Pzena 332,079 sh (-0.64%)
Private Capital 42,724 sh (-9.95%)
» More
Q4 2012

WSFS Guru Trades in Q4 2012

Richard Pzena 356,857 sh (+7.46%)
Westport Asset Management 48,546 sh (unchged)
Private Capital 33,613 sh (-21.33%)
» More
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
» Details

Insider Trades

Latest Guru Trades with WSFS



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 14.40
WSFS's P/E(ttm) is ranked higher than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. WSFS: 14.40 )
WSFS' s 10-Year P/E(ttm) Range
Min: 2.14   Max: 307.46
Current: 14.4
2.14
307.46
P/B 1.10
WSFS's P/B is ranked lower than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. WSFS: 1.10 )
WSFS' s 10-Year P/B Range
Min: 0.39   Max: 2.59
Current: 1.1
0.39
2.59
P/S 2.10
WSFS's P/S is ranked higher than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. WSFS: 2.10 )
WSFS' s 10-Year P/S Range
Min: 0.79   Max: 5
Current: 2.1
0.79
5
PFCF 5.80
WSFS's PFCF is ranked higher than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. WSFS: 5.80 )
WSFS' s 10-Year PFCF Range
Min: 2.11   Max: 134.73
Current: 5.8
2.11
134.73
EV-to-EBIT 20.4
WSFS's EV-to-EBIT is ranked higher than
50% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. WSFS: 20.4 )
WSFS' s 10-Year EV-to-EBIT Range
Min: 1.8   Max: 862.3
Current: 20.4
1.8
862.3
PEG 0.4
WSFS's PEG is ranked lower than
92% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. WSFS: 0.4 )
WSFS' s 10-Year PEG Range
Min: 0.05   Max: 6.91
Current: 0.4
0.05
6.91
Shiller P/E 21.5
WSFS's Shiller P/E is ranked higher than
85% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. WSFS: 21.5 )
WSFS' s 10-Year Shiller P/E Range
Min: 4.55   Max: 21.4
Current: 21.5
4.55
21.4

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.90
WSFS's Dividend Yield is ranked lower than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. WSFS: 0.90 )
WSFS' s 10-Year Dividend Yield Range
Min: 0.36   Max: 2.77
Current: 0.9
0.36
2.77
Dividend Payout 0.133
WSFS's Dividend Payout is ranked higher than
94% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. WSFS: 0.133 )
WSFS' s 10-Year Dividend Payout Range
Min: 0.02   Max: 4.65
Current: 0.13
0.02
4.65
Yield on cost (5-Year) 0.94
WSFS's Yield on cost (5-Year) is ranked higher than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. WSFS: 0.94 )
WSFS' s 10-Year Yield on cost (5-Year) Range
Min: 0.38   Max: 2.9
Current: 0.94
0.38
2.9
Share Buyback Rate -8.1
WSFS's Share Buyback Rate is ranked lower than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. WSFS: -8.1 )
WSFS' s 10-Year Share Buyback Rate Range
Min: 6.8   Max: -8.5
Current: -8.1

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.2
WSFS's Price/Tangible Book is ranked higher than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. WSFS: 1.2 )
WSFS' s 10-Year Price/Tangible Book Range
Min: 0.6   Max: 2.4
Current: 1.2
0.6
2.4
Price/DCF (Projected) 0.6
WSFS's Price/DCF (Projected) is ranked higher than
72% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. WSFS: 0.6 )
WSFS' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 1.1
Current: 0.6
0.3
1.1
Price/Median PS Value 1.1
WSFS's Price/Median PS Value is ranked higher than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. WSFS: 1.1 )
WSFS' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 2.3
Current: 1.1
0.5
2.3
Price/Graham Number 0.9
WSFS's Price/Graham Number is ranked higher than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. WSFS: 0.9 )
WSFS' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 2.5
Current: 0.9
0.5
2.5
Earnings Yield (Greenblatt) 4.90
WSFS's Earnings Yield (Greenblatt) is ranked higher than
60% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. WSFS: 4.90 )
WSFS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 54.5
Current: 4.9
0.1
54.5
Forward Rate of Return (Yacktman) 10.38
WSFS's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. WSFS: 10.38 )
WSFS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3   Max: 55.7
Current: 10.38
-3
55.7

Business Description

WSFS Financial Corporation is parent to Wilmington Savings Fund Society, FSB (WSFS Bank or the Bank). 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 primarily with deposits generated through commercial relationships and retail deposits in its 49 banking and trust offices located in Delaware, Pennsylvania, Virginia and Nevada. It also offers a broad 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 $11 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.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for WSFS

Headlines

Articles On GuruFocus.com
Ted Weschler Begins Closing Down Shop to Join Berkshire Hathaway Dec 23 2011 
Berkshire Hathaway to Add Second Investment Manager: Ted Weschler 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 

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