Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
WSFS FinancialFRA:WF4 -1.41%74 Return-on-Tangible-Asset is 1.58% as of Jun. 2026, which is 15% above its 10-year median of 1.37. 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. Among 1,528 Banks companies, WSFS Financial ranks better than 78.34% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. WSFS Financial's annualizedNet Income for the quarter that ended in Jun. 2026 was €293.0 Mil. WSFS Financial's average total tangible assets for the quarter that ended in Jun. 2026 was €18,557.4 Mil. Therefore, WSFS Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 1.58%.
The historical rank and industry rank for WSFS Financial's Return-on-Tangible-Asset or its related term are showing as below:
FRA:WF4'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.75 Med: 1.37 Max: 1.94
Current: 1.56
During the past 13 years, WSFS Financial's highest Return-on-Tangible-Asset was 1.94%. The lowest was 0.75%. And the median was 1.37%.
FRA:WF4's Return-on-Tangible-Asset is ranked better than 78.34% of 1528
companies
in the Banks industry
Industry Median: 1.01
vs FRA:WF4: 1.56
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
WSFS Financial Return-on-Tangible-Asset Related Terms
WSFS Financial Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for WSFS Financial's Return-on-Tangible-Asset 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.
FRA:WF4 vs INDB, RNST, CATY: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, WSFS Financial's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, WSFS Financial's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where WSFS Financial's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.58% mean?
WSFS Financial (FRA:WF4) has a Return-on-Tangible-Asset of 1.58% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on WSFS Financial and its competitors. This is 15% above median its historical median of 1.37. Over the past decade, WSFS Financial's Return-on-Tangible-Asset has ranged from 0.75 to 1.94. According to the industry distribution chart, WSFS Financial ranks #331 out of 1528 companies in the Banks industry, placing it in the top 21.7%.
Is WSFS Financial's Return-on-Tangible-Asset too high?
WSFS Financial's current Return-on-Tangible-Asset of 1.58% is 15% above median its 10-year median of 1.37. Over the past 10 years, this metric has ranged from a low of 0.75 to a high of 1.94. The Banks industry median Return-on-Tangible-Asset is 1.01. WSFS Financial's value of 1.58% is 56.4% above this industry median. Based on the distribution chart, WSFS Financial ranks #331 out of 1528 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 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does WSFS Financial's Return-on-Tangible-Asset compare to INDB and RNST?
According to the Banks industry distribution chart, WSFS Financial ranks #331 out of 1528 companies for Return-on-Tangible-Asset. This places WSFS Financial in the top 22% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.01. WSFS Financial's value of 1.58% is 56.4% above this benchmark. Historically, WSFS Financial's own Return-on-Tangible-Asset has ranged from 0.75 to 1.94 over the past decade. While the company's 10-year median is 1.37 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. WSFS Financial's current Return-on-Tangible-Asset of 1.58% is 56.4% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on WSFS Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. WSFS Financial's current Return-on-Tangible-Asset is 1.58%, which is 15% above median its own 10-year median of 1.37. 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 Return-on-Tangible-Asset is 1.58%, which is 15% above median its 10-year median of 1.37 and 56.4% above the Banks industry median of 1.01. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For WSFS Financial (FRA:WF4), the current Return-on-Tangible-Asset is 1.58% 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:
Return-on-Tangible-Asset: 1.58% (15% above median its 10-year median of 1.37)
GF Value™: €50.83 vs. price of €70.00 (37.7% above fair value)
Industry Position: 56.4% above the Banks median (#331 of 1528)
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 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
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:WF4 has been successfully added to your 
