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WSFS FinancialWSFS -0.48%68 Cash-to-Debt is 8.37 as of Jun. 2026, which is 389% above its 10-year median of 1.71. GuruFocus rates WSFS with a GF Score™ of 68/100 and a GF Value™ of $58.05 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,484 Banks companies, WSFS Financial ranks better than 83.15% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. WSFS Financial's cash to debt ratio for the quarter that ended in Jun. 2026 was 8.37.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, WSFS Financialcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for WSFS Financial's Cash-to-Debt or its related term are showing as below:
WSFS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.68 Med: 1.71 Max: 10.24
Current: 8.37
During the past 13 years, WSFS Financial's highest Cash to Debt Ratio was 10.24. The lowest was 0.68. And the median was 1.71.
WSFS's Cash-to-Debt is ranked better than 83.15% of 1484
companies
in the Banks industry
Industry Median: 1.37
vs WSFS: 8.37
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
WSFS Financial Cash-to-Debt Related Terms
WSFS Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for WSFS Financial's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, WSFS Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
WSFS Financial Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, WSFS Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where WSFS Financial's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
WSFS Financial (WSFS) has a Cash-to-Debt of 8.37 as of Jun. 2026. This is 389% above median its historical median of 1.71. Over the past decade, WSFS Financial's Cash-to-Debt has ranged from 0.68 to 10.24. According to the industry distribution chart, WSFS Financial ranks #250 out of 1484 companies in the Banks industry, placing it in the top 16.8%.
Is WSFS Financial's Cash-to-Debt too high?
WSFS Financial's current Cash-to-Debt of 8.37 is 389% above median its 10-year median of 1.71. Over the past 10 years, this metric has ranged from a low of 0.68 to a high of 10.24. The Banks industry median Cash-to-Debt is 1.37. WSFS Financial's value of 8.37 is 510.9% above this industry median. Based on the distribution chart, WSFS Financial ranks #250 out of 1484 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, WSFS Financial has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does WSFS Financial's Cash-to-Debt compare to INDB and RNST?
According to the Banks industry distribution chart, WSFS Financial ranks #250 out of 1484 companies for Cash-to-Debt. This places WSFS Financial in the top 17% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.37. WSFS Financial's value of 8.37 is 510.9% above this benchmark. Historically, WSFS Financial's own Cash-to-Debt has ranged from 0.68 to 10.24 over the past decade. While the company's 10-year median is 1.71 vs. the industry median of 1.37, WSFS Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,484 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. WSFS Financial's current Cash-to-Debt of 8.37 is 510.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. WSFS Financial's current Cash-to-Debt is 8.37, which is 389% above median its own 10-year median of 1.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is WSFS Financial stock overvalued right now?
Based on GuruFocus' analysis, WSFS Financial (WSFS) is currently considered Significantly Overvalued. The stock's GF Value™ is $58.05, compared to a current price of $81.25 — trading 40% above its estimated fair value. The current Cash-to-Debt is 8.37, which is 389% above median its 10-year median of 1.71 and 510.9% above the Banks industry median of 1.37. WSFS Financial's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For WSFS Financial (WSFS), the current Cash-to-Debt is 8.37 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is WSFS Financial (WSFS) Overvalued in 2026?
Based on GuruFocus' analysis, WSFS Financial stock appears to be overvalued.
The current stock price of $81.25 is trading 40% above its estimated GF Value™ of $58.05.
GuruFocus considers WSFS Financial to be Significantly Overvalued.
Key valuation signals for WSFS:
Cash-to-Debt: 8.37 (389% above median its 10-year median of 1.71)
GF Value™: $58.05 vs. price of $81.25 (40% above fair value)
Industry Position: 510.9% above the Banks median (#250 of 1484)
No single metric tells the full story. See the WSFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
WSFS Financial Corp is a savings and loan holding company. The company operates in three segments: the WSFS Bank segment provides loans and leases, and other financial products to commercial and consumer customers; the Cash Connect segment provides ATM vault cash, smart safe, and other cash logistics services; and the Wealth and Trust segment provides a broad array of planning and advisory services, investment management, trust services, and credit and deposit products to individual, corporate, and institutional clients. The majority of revenue is generated from the WSFS Bank segment.
68GF Score
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