WSFS Financial (FRA:WF4) Cyclically Adjusted Book per Share: €37.22 (As of Jun. 2026)

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FRA:WF4 WSFS Financial Corp FRA:WF4
74 GF Score
Price €70.00
GF Value €50.83
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is WSFS Financial Cyclically Adjusted Book per Share?

WSFS Financial FRA:WF4 -1.41% 74 Cyclically Adjusted Book per Share is €37.22 as of Jun. 2026. GuruFocus rates FRA:WF4 with a GF Score™ of 74/100 and a GF Value™ of €50.83 (Significantly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

WSFS Financial's adjusted book value per share for the three months ended in Jun. 2026 was €45.974. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €37.22 for the trailing ten years ended in Jun. 2026.

During the past 12 months, WSFS Financial's average Cyclically Adjusted Book Growth Rate was -100.00% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 9.30% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 11.00% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 10.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of WSFS Financial was 22.30% per year. The lowest was -5.70% per year. And the median was 10.40% per year.

As of today (2026-08-08), WSFS Financial's current stock price is €70.00. WSFS Financial's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was €37.22. WSFS Financial's Cyclically Adjusted PB Ratio of today is 1.88.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of WSFS Financial was 3.10. The lowest was 0.96. And the median was 1.73.


WSFS Financial  (FRA:WF4) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

WSFS Financial's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=70.00/37.22
=1.88

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of WSFS Financial was 3.10. The lowest was 0.96. And the median was 1.73.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


WSFS Financial Cyclically Adjusted Book per Share Related Terms


WSFS Financial Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for WSFS Financial's Cyclically Adjusted Book per Share 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.

WSFS Financial Cyclically Adjusted Book per Share Chart

WSFS Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 24.46 29.32 30.96 33.40 34.91

WSFS Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 32.71 33.83 34.91 35.23 37.22

FRA:WF4 vs INDB, RNST, CATY: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, WSFS Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, WSFS Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where WSFS Financial's Cyclically Adjusted PB Ratio falls into.


FRA:WF4
74GF Score
WSFS Financial Corp FRA:WF4
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

WSFS Financial Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, WSFS Financial's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=45.974/333.9520*333.9520
=45.974

Current CPI (Jun. 2026) = 333.9520.

WSFS Financial Quarterly Data

Book Value per Share CPI Adj_Book
201609 19.678 241.428 27.219
201612 20.758 241.432 28.713
201703 20.924 243.801 28.661
201706 20.459 244.955 27.892
201709 19.789 246.819 26.775
201712 19.482 246.524 26.391
201803 18.912 249.554 25.308
201806 20.762 251.989 27.515
201809 21.493 252.439 28.433
201812 23.000 251.233 30.573
201903 29.813 254.202 39.166
201906 30.534 256.143 39.809
201909 32.151 256.759 41.817
201912 32.293 256.974 41.967
202003 32.791 258.115 42.425
202006 31.966 257.797 41.409
202009 31.222 260.280 40.059
202012 30.840 260.474 39.540
202103 31.311 264.877 39.476
202106 32.897 271.696 40.435
202109 34.125 274.310 41.545
202112 36.046 278.802 43.176
202203 35.353 287.504 41.064
202206 34.446 296.311 38.822
202209 34.296 296.808 38.588
202212 33.786 296.797 38.016
202303 35.091 301.836 38.825
202306 34.970 305.109 38.276
202309 34.605 307.789 37.547
202312 37.530 306.746 40.859
202403 37.874 312.332 40.496
202406 39.028 314.175 41.485
202409 40.877 315.301 43.295
202412 42.164 315.605 44.615
202503 42.834 319.799 44.730
202506 41.361 322.561 42.822
202509 42.322 324.800 43.515
202512 43.788 324.054 45.125
202603 45.191 330.213 45.703
202606 45.974 333.952 45.974

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €37.22 mean?
WSFS Financial (FRA:WF4) has a Cyclically Adjusted Book per Share of €37.22 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on WSFS Financial and its competitors.
Is WSFS Financial's Cyclically Adjusted Book per Share too high?
WSFS Financial's current Cyclically Adjusted Book per Share is €37.22. Overall, WSFS Financial has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does WSFS Financial's Cyclically Adjusted Book per Share compare to INDB and RNST?
WSFS Financial's Cyclically Adjusted Book per Share of €37.22 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on WSFS Financial and its competitors. WSFS Financial's current Cyclically Adjusted Book per Share is €37.22. 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 (FRA:WF4) is currently considered Significantly Overvalued. The stock's GF Value™ is €50.83, compared to a current price of €70.00 — trading 37.7% above its estimated fair value. The current Cyclically Adjusted Book per Share is €37.22. WSFS Financial's overall GF Score™ is 74/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For WSFS Financial (FRA:WF4), the current Cyclically Adjusted Book per Share is €37.22 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 (FRA:WF4) Overvalued in 2026?

Based on GuruFocus' analysis, WSFS Financial stock appears to be overvalued. The current stock price of €70.00 is trading 37.7% above its estimated GF Value™ of €50.83. GuruFocus considers WSFS Financial to be Significantly Overvalued.

Key valuation signals for FRA:WF4:

  • Cyclically Adjusted Book per Share: €37.22
  • GF Value™: €50.83 vs. price of €70.00 (37.7% above fair value)
  • GF Score™: 74/100 with 7 warning signs

No single metric tells the full story. See the FRA:WF4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


WSFS Financial Business Description

Other Exchanges WSFS:USA
Address 500 Delaware Avenue, Wilmington, DE, USA, 19801
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.
74GF Score

Get the complete analysis for FRA:WF4

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€70.00
Price
€50.83
GF Value