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WSFS

WSFS Financial Corporation

WSFS

WSFS Financial Corporation • NASDAQ
$55.81 ▼ -1.05% (-0.59)
Market Cap $3.05 B
52w High $60.56
52w Low $42.44
Dividend Yield 0.66%
P/E 11.55
Volume 199.41K
Outstanding Shares 54.68M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $344.892M ▲ $162.354M ▲ $76.449M ▲ 22.166% ▲ $1.35 ▲ $109.319M ▲
Q2-2025 $341.199M ▲ $159.114M ▲ $72.326M ▲ 21.198% ▲ $1.27 ▲ $104.647M ▲
Q1-2025 $331.775M ▼ $151.555M ▼ $65.896M ▲ 19.862% ▲ $1.13 ▲ $96.565M ▲
Q4-2024 $346.646M ▼ $169.48M ▲ $64.202M ▼ 18.521% ▲ $1.09 $93.879M ▼
Q3-2024 $363.542M $162.839M $64.435M 17.724% $1.09 $95.108M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $1.612B ▲ $20.84B ▲ $18.098B ▲ $2.753B ▲
Q2-2025 $1.35B ▲ $20.763B ▲ $18.091B ▲ $2.683B ▲
Q1-2025 $1.039B ▼ $20.549B ▼ $17.888B ▼ $2.672B ▲
Q4-2024 $1.17B ▲ $20.814B ▼ $18.235B ▼ $2.59B ▼
Q3-2024 $1.004B $20.905B $18.238B $2.678B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $76.467M ▲ $121.524M ▲ $120.286M ▼ $-208K ▼ $241.602M ▼ $120.292M ▲
Q2-2025 $72.221M ▲ $37.184M ▲ $141.219M ▲ $135.801M ▲ $314.204M ▲ $35.208M ▲
Q1-2025 $65.867M ▲ $8.746M ▼ $132.546M ▼ $-278.816M ▼ $-137.524M ▼ $6.315M ▼
Q4-2024 $64.202M ▼ $59.04M ▲ $223.601M ▲ $-118.741M ▼ $163.9M ▲ $55.377M ▲
Q3-2024 $64.435M $3.149M $-81.254M $47.307M $-30.798M $-489K

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
ATM Insurance
ATM Insurance
 $0 ▲$0 ▲$0 ▲$0 ▲
Capital Market Revenue
Capital Market Revenue
 $0 ▲$0 ▲$0 ▲$0 ▲
Currency Preparation
Currency Preparation
 $0 ▲$0 ▲$0 ▲$0 ▲
Managed Service Fees
Managed Service Fees
 $0 ▲$0 ▲$10.00M ▲$0 ▼
Miscellaneous Products And Services
Miscellaneous Products And Services
 $0 ▲$0 ▲$10.00M ▲$0 ▼
Service Other
Service Other
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲

Five-Year Company Overview

Income Statement

Income Statement WSFS has grown its revenue steadily over the last five years, with a clear step up as it scaled its franchise. Profitability has been quite solid for a regional bank: core earnings have generally moved in the same positive direction as revenue, suggesting that growth has not come at the expense of margins. The one notable feature is some lumpiness in per‑share earnings, which reflects shifting interest-rate conditions, credit trends, and acquisition integration rather than a straight-line trajectory. Overall, the income statement shows a mature, reasonably efficient bank that has handled a volatile rate environment without major hits to profitability.

Balance Sheet

Balance Sheet The balance sheet has expanded meaningfully, with total assets rising over time and shareholder equity building steadily, which points to retained earnings and a stronger capital base. Debt usage increased during the growth phase but has not spiraled out of control, indicating a measured approach to leverage. Cash levels have moved around, which is normal for a bank managing liquidity and securities portfolios, but they remain healthy relative to the overall size of the institution. Taken together, WSFS appears conservatively capitalized for a regional player, though, like all banks, it remains sensitive to credit quality and deposit stability.

Cash Flow

Cash Flow Underlying cash generation has improved compared with several years ago: operating cash flow is consistently positive and closely matches free cash flow, since the business is not very capital‑expenditure intensive. This is typical for a financial institution, where the main investments are in people, systems, and loans rather than physical assets. The earlier years show more volatile cash flows, reflecting changes in lending, deposits, and securities positioning during turbulent markets. Today, the cash flow profile looks steadier and well aligned with reported earnings, which supports the picture of a bank that is managing growth without straining its liquidity.

Competitive Edge

Competitive Edge WSFS holds a strong local franchise in the Greater Philadelphia and Delaware region, backed by a very long history and a service‑oriented brand. Its edge comes from a combination of community banking relationships, a meaningful wealth management arm, and distinctive fee-based businesses like Cash Connect and NewLane Finance, which give it income streams that do not rely entirely on traditional lending. Being a top small-business lender in its footprint reinforces its relevance to the local economy. The flip side is that it remains a regional bank facing intense competition from national banks, credit unions, and fintech players, and it is still exposed to the health of its core markets and to interest‑rate swings.

Innovation and R&D

Innovation and R&D Rather than classic R&D, WSFS invests heavily in technology and partnerships. Its “Delivery Transformation” program, in‑house tech build‑out, and appointment of a long‑tenured CIO show a deliberate push to modernize systems and digital channels. Partnerships with firms like Upstart and Greenlight bring AI‑driven lending and financial education tools to customers without WSFS having to build everything from scratch. Digital solutions for businesses and a robust mobile offering indicate that it is trying to compete on convenience and functionality as well as relationships. The opportunity is to deepen customer engagement and efficiency; the risk is execution—technology projects, integrations, and cybersecurity all need to be managed carefully to turn these investments into lasting advantages.

Summary

WSFS looks like a well‑run regional bank that has grown its franchise, kept profitability intact through a choppy interest‑rate cycle, and steadily strengthened its capital base. Its business mix is more diversified than many peers thanks to wealth management and national fee-based units, which can help smooth earnings over time. At the same time, it remains sensitive to the usual banking risks: credit quality, deposit competition, funding costs, and the health of its regional economy. The ongoing digital and innovation push offers clear upside if executed well but will require continued spending and careful risk management. Overall, the company presents as a financially resilient institution with a meaningful local moat and an active strategy to stay relevant in a rapidly evolving banking landscape.

NEWS

November 18, 2025 · 4:35 PM UTC

WSFS Management to Participate in Stephen's Virtual East Coast Conference

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November 18, 2025 · 9:45 AM UTC

WSFS CARES Foundation Contributes $150,000 to Expand Affordable Housing Access

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November 13, 2025 · 9:00 AM UTC

Altruist Partners with Bryn Mawr Trust Advisors, a subsidiary of WSFS Financial Corporation, as its New Custodial Partner

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November 10, 2025 · 9:30 AM UTC

WSFS Management to Hold Meetings with Investors at Piper Sandler's East Coast Financial Services Conference

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November 5, 2025 · 9:00 AM UTC

WSFS CARES Foundation Provides $100,000 to Combat Rising Food Insecurity

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