WSFS Financial Corporation (WSFS) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
WSFS Financial Corporation (WSFS) trades at $78.99 with AI Score 86/100 (Grade A+). WSFS Financial Corporation is a regional bank headquartered in Wilmington, Delaware, providing a wide range of banking services through its various… Market cap: $4.11B, Sector: Financial services.
Price as of Jul 20, 2026 · Last analyzed: May 10, 2026Analyst Coverage for WSFS: WSFS does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates WSFS against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
WSFS: 2/3 scored disciplines lean bullish. Dominant signal: Izzy Englander bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
WSFS Financial Corporation (WSFS) Financial Services Profile
WSFS Financial Corporation is a leading regional bank offering comprehensive banking services, including deposits, loans, and wealth management, with a strong presence in the Mid-Atlantic region and a commitment to customer service.
What Is the Investment Thesis for WSFS?
WSFS Financial Corporation presents a solid investment thesis driven by its strong market position and diverse revenue streams. With a market capitalization of $4.11B and a P/E ratio of 12.33, the company demonstrates robust profitability, evidenced by a profit margin of 22.6% and a gross margin of 77.0%. Growth catalysts include the expansion of its wealth management services and the increasing demand for cash logistics solutions. Additionally, the bank's strategic focus on enhancing digital banking capabilities aligns with industry trends towards online services. However, potential risks include regulatory challenges and economic fluctuations that may impact loan demand and credit quality. Overall, WSFS's strong fundamentals and strategic initiatives position it well for continued growth.
Based on FMP financials and quantitative analysis
WSFS Key Highlights
- Market Cap of $4.11B, indicating a strong presence in the regional banking sector.
- P/E ratio of 12.33, reflecting attractive valuation relative to peers.
- Profit margin of 22.6%, showcasing effective cost management and operational efficiency.
- Gross margin of 77.0%, highlighting the bank's strong revenue generation capabilities.
- Dividend yield of 0.99%, providing a return to shareholders amidst growth initiatives.
Who Are WSFS's Competitors?
WSFS is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FULT Fulton Financial Corporation | $24.54 | -1.01% | $4.69B | 87 |
| FHB First Hawaiian, Inc. | $28.86 | -1.45% | $3.51B | 92 |
| BKU BankUnited, Inc. | $48.05 | -1.66% | $3.49B | 72 |
| FBP First BanCorp. | $27.43 | -0.04% | $4.24B | 98 |
| CATY Cathay General Bancorp | $62.00 | -1.13% | $4.16B | 96 |
| ASBA Associated Banc-Corp | $24.59 | +0.00% | $4.06B | 92 |
| WSBC WesBanco, Inc. | $40.59 | -0.50% | $3.90B | 97 |
| TCBI Texas Capital Bancshares, Inc. | $104.02 | -1.00% | $4.54B | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are WSFS's Key Strengths?
- Established brand with a long history and strong customer trust.
- Diverse product offerings catering to various customer segments.
- Strong financial metrics, including high profit and gross margins.
- Robust branch network enhancing customer accessibility.
What Are WSFS's Weaknesses?
- Limited geographic presence compared to larger national banks.
- Dependence on interest income, which can be affected by rate changes.
- Potential for higher operational costs due to branch maintenance.
- Exposure to regional economic downturns impacting loan performance.
What Could Drive WSFS Stock Higher?
- Expansion of digital banking services to enhance customer experience and attract new clients.
- Growth in wealth management services driven by increasing demand for personalized financial solutions.
- Strategic partnerships to enhance cash logistics offerings and expand market reach.
- New product launches in the loan segment targeting emerging market needs.
- Continued investment in branch network optimization to improve operational efficiency.
What Are the Key Risks for WSFS?
- Financial-distress signal — its Altman Z-Score of 0.38 sits in the distress zone (elevated bankruptcy risk).
- Regulatory changes that could impact operational costs and compliance requirements.
- Economic fluctuations affecting loan demand and credit quality.
- Increased competition from fintech companies offering alternative banking solutions.
- Interest rate volatility impacting net interest margins and profitability.
What Are the Growth Opportunities for WSFS?
- Expansion of Wealth Management Services: WSFS aims to enhance its wealth management segment, targeting high-net-worth individuals and institutions. The U.S. wealth management market is projected to reach $30 trillion by 2025, presenting significant growth potential. By leveraging its existing client base and offering tailored investment solutions, WSFS can capture a larger share of this lucrative market.
- Digital Banking Transformation: The ongoing shift towards digital banking presents a substantial growth opportunity for WSFS. With increasing consumer preference for online banking services, WSFS is investing in technology to enhance its digital offerings. The digital banking market is expected to grow at a CAGR of 8% over the next five years, allowing WSFS to attract tech-savvy customers and streamline operations.
- Cash Logistics Services Growth: The demand for cash management solutions is rising, particularly among businesses seeking efficient cash handling. WSFS's Cash Connect segment provides essential cash logistics services, which are expected to grow as businesses increasingly prioritize secure and efficient cash management. This segment's growth aligns with industry trends and positions WSFS as a leader in this niche market.
- Geographic Expansion: WSFS has the opportunity to expand its footprint beyond its current markets. By entering new states or regions with unmet banking needs, WSFS can tap into new customer segments and increase its market share. The potential for expansion aligns with the bank's strategic vision for growth and diversification.
- Loan Portfolio Diversification: WSFS can enhance its loan portfolio by introducing new lending products tailored to emerging market needs, such as green financing or technology-based loans. As the demand for sustainable and innovative financing solutions increases, WSFS's ability to adapt its offerings will drive growth and attract new borrowers.
What Opportunities Does WSFS Have?
- Expansion into new geographic markets to capture additional customers.
- Growth in digital banking services to meet changing consumer preferences.
- Increasing demand for cash logistics services among businesses.
- Potential for product diversification in the loan portfolio.
What Threats Does WSFS Face?
- Intense competition from both regional and national banks.
- Regulatory changes affecting banking operations and profitability.
- Economic fluctuations impacting consumer and business lending.
- Technological disruptions from fintech companies offering alternative banking solutions.
What Are WSFS's Competitive Advantages?
- Strong regional brand recognition and customer loyalty built over decades.
- Diverse service offerings that cater to a wide range of customer needs.
- Established branch network providing convenient access to banking services.
- Innovative technology initiatives enhancing customer experience and operational efficiency.
- Expertise in cash logistics services, differentiating WSFS from traditional banks.
What Does WSFS Do?
WSFS Financial Corporation, founded in 1832, operates as the savings and loan holding company for the Wilmington Savings Fund Society, FSB. The company is headquartered in Wilmington, Delaware, and has grown significantly over the years to become a prominent player in the regional banking sector. WSFS provides a diverse range of banking services through its three main segments: WSFS Bank, Cash Connect, and Wealth Management. The bank offers various deposit products, including savings accounts, demand deposits, and certificates of deposit, catering to both individual and business clients. Additionally, WSFS provides a comprehensive suite of loans, including residential, commercial real estate, and consumer credit products. The company also offers third-party investment and insurance products, investment advisory services, and cash management solutions. As of December 31, 2020, WSFS operated 112 offices across Pennsylvania, Delaware, New Jersey, Virginia, and Nevada, positioning itself as a key financial institution in the Mid-Atlantic region. With a focus on innovation and customer-centric services, WSFS continues to adapt to the evolving banking landscape, ensuring it meets the diverse needs of its growing customer base.
What Products and Services Does WSFS Offer?
- Provide a wide range of deposit products, including savings and checking accounts.
- Offer various loan products, including residential, commercial, and consumer loans.
- Deliver wealth management and investment advisory services to individuals and institutions.
- Facilitate cash logistics services, including ATM cash management and armored carrier services.
- Engage in mortgage and title services for homebuyers and real estate investors.
- Provide insurance products and investment options through third-party partnerships.
How Does WSFS Make Money?
- Generate revenue through interest income from loans and fees from deposit accounts.
- Earn fees from wealth management and investment advisory services.
- Provide cash logistics services to businesses and institutions for a fee.
- Offer insurance products and earn commissions through third-party partnerships.
- Leverage a network of branches to attract deposits and manage customer relationships.
What Industry Does WSFS Operate In?
The regional banking sector is characterized by a competitive landscape with a focus on customer service and tailored financial solutions. As of 2026, the U.S. banking industry is projected to grow steadily, driven by increasing consumer demand for digital banking services and personalized financial products. WSFS Financial Corporation is well-positioned within this industry, leveraging its extensive branch network and diverse service offerings to capture market share. The competitive landscape includes peers such as Fulton Financial Corporation (FULT), First Hawaiian, Inc. (FHB), BankUnited, Inc. (BKU), and First BanCorp (FBP), each vying for dominance in the regional market.
Who Are WSFS's Key Customers?
- Individual consumers seeking personal banking services.
- Small to medium-sized businesses requiring commercial banking solutions.
- High-net-worth individuals looking for wealth management and investment services.
- Municipalities and organizations needing cash logistics and management services.
- Real estate investors and homebuyers seeking mortgage and title services.
FY2026 estForward Outlook
Wall Street analysts project WSFS Financial Corporation revenue of about $1.12B for fiscal 2026, with EPS near $6.28. The estimate reflects 3 contributing analysts.
WSFS Valuation & Market Position
With a $4.11B market cap, WSFS Financial Corporation sits in the mid-cap segment of the market. Relative to its peer group, WSFS's quantitative score of 86/100 is roughly in line with the peer average of 89/100.
ROE 11%Key Financial Metrics
Return on equity for WSFS Financial Corporation stands at 11.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.4%, showing how much profit it generates from its asset base. WSFS trades at a trailing price-to-earnings ratio of 13.80, below the Financial Services sector average of ~18x. Its free cash flow yield is 7.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.2%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
WSFS Financial Corporation's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.38 places it in the distress zone, a signal of elevated financial risk.
Company Profile
WSFS Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Wilmington, US. The company is led by CEO Rodger Levenson. WSFS has traded publicly since 1986.
WSFS Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying could signal confidence in WSFS's future prospects, suggesting the company's leadership believes the stock is undervalued.
- Positive community sentiment indicates growing optimism about WSFS's strategic direction and market positioning within the financial sector.
- WSFS's focus on community banking resonates well with customers seeking personalized service, potentially leading to increased loyalty and market share.
- The perception that WSFS is adapting well to digital banking trends could attract younger, tech-savvy customers and enhance its long-term competitiveness.
Bear Case
- Insider selling, even if for personal reasons, might create uncertainty among investors about WSFS's near-term performance.
- Negative community sentiment could reflect concerns about WSFS's ability to navigate increasing regulatory pressures in the banking industry.
- Increased competition from larger national banks and fintech companies could erode WSFS's market share and profitability.
- Market perception that WSFS is slow to innovate in digital banking could lead to customer attrition and reduced growth potential.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · January 2026
WSFS Latest News
WSFS Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for WSFS.
Price Targets
Wall Street price target analysis for WSFS.
WSFS MoonshotScore
What does this score mean?
The MoonshotScore rates WSFS 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Rodger Levenson
CEO
Rodger Levenson has been with WSFS Financial Corporation for over 25 years, holding various leadership positions before becoming CEO. He holds a degree in Finance from the University of Delaware and has extensive experience in banking and financial services, focusing on strategic growth and operational excellence.
Track Record: Under Rodger's leadership, WSFS has seen significant growth in its wealth management services and has expanded its branch network. He has successfully navigated the company through economic challenges while maintaining strong financial performance.
What Investors Ask About WSFS Financial Corporation (WSFS) — Financial Services
What does the AI Score mean for WSFS?
WSFS holds an AI Score of 86/100 (Grade: A+). This is an educational research signal, not a buy or sell recommendation. WSFS Financial Corporation is a regional bank headquartered in Wilmington, Delaware, providing a wide range of banking services through its various segments. Established in 1832, the company has …
What does WSFS Financial Corporation do?
WSFS Financial Corporation operates as a savings and loan holding company, providing a wide range of banking services including deposit accounts, loans, and wealth management. The company serves individual consumers, businesses, and institutions across multiple states, focusing on customer service and innovative financial solutions.
What do analysts say about WSFS stock?
Analysts generally view WSFS Financial Corporation favorably, noting its strong financial performance and growth potential. Key valuation metrics such as a P/E ratio of 12.33 suggest it is competitively positioned within the regional banking sector. Analysts highlight growth opportunities in wealth management and digital banking as significant drivers of future performance.
What are the main risks for WSFS?
WSFS Financial Corporation faces several risks, including regulatory challenges that could increase compliance costs and impact profitability. Additionally, economic fluctuations may affect loan demand and credit quality, while competition from fintech companies could disrupt traditional banking services. Interest rate volatility is another key risk that could influence net interest margins.
What are the key factors to evaluate for WSFS?
WSFS Financial Corporation (WSFS) holds an AI score of 86/100 (high). Not financial advice.
How frequently does WSFS data refresh on this page?
WSFS's price was last updated on Jul 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven WSFS's recent stock price performance?
WSFS Financial Corporation (WSFS) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established brand with a long history and strong customer trust. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider WSFS overvalued or undervalued right now?
WSFS Financial Corporation (WSFS) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research WSFS before investing?
Before investing in WSFS Financial Corporation (WSFS), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Data is based on the latest available information as of May 2026.