Wsfs Financial Corp

  • Earnings Score
  • Market Cap $3.52B
  • PE 13
  • Debt $NaN
  • Cash $990.92M
  • EV $NaN
  • FCF $96.01M

Earnings

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Sales & Net Margins

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Earnings$263.12M
EBIT$355.78M
ROE10%
ROA2%
FCF$96.01M
Equity$2.68B
Growth Stability88%
PE13.4
PEG0.65
PB1.32
P/FCF36.71
Price/Cash0.28
Earnings CAGR24%
Sales CAGR6%
FCF CAGR14%
Equity CAGR22%
Earnings Stability0.88
Earnings Growth YoY-13%
Earnings Growth QoQ-7%
Earnings CAGR 5Y21%
Sales CAGR 5Y2%
FCF CAGR 5Y61%
Equity CAGR 5Y9%
Earnings CAGR 3Y4%
Sales CAGR 3Y4%
FCF CAGR 3Y8%
Equity CAGR 3Y7%
Market Cap$3.52B
Dividend Yield1%
Payout Ratio14%
Assets$20.91B
Cash$990.92M
Shares Outstanding59.19M
Earnings Score95%
Shares Growth 3y1%
Equity Growth QoQ8%
Equity Growth YoY19%

Assets & ROA

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Stockholders Equity & ROE

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WSFS Financial Corp is a savings and loan holding company. The company operates in three segments: WSFS Bank, which is engaged in the commercial lending funded by customer-generated deposits and provides retail securities and insurance brokerage services; Cash Connect segment provides ATM vault cash, smart safe, and other cash logistics services; and Wealth Management, which provides planning & advisory services, investment management, trust services, and credit & deposit products. The vast majority of its revenue is derived from the WSFS Bank segment.

SEC Filings

Direct access to Wsfs Financial Corp (WSFS) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2024
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2023
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2022
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31

Sector Comparison

How does Wsfs Financial Corp compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Wsfs Financial Corp compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 24%
Stability 88%
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Wsfs Financial Corp Discounted Cash Flow

Fully customizable DCF calculator online for Wsfs Financial Corp.

= $2.5B
012345678910TV
fcf$96M$109M$124M$141M$161M$183M$209M$237M$270M$307M$350M$3.5B
DCF$99M$103M$106M$110M$114M$118M$122M$126M$130M$135M$1.3B
Value$2.5B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12/201412/201512/201612/201712/201812/201912/202012/202112/202212/2023TTM
Net Margins23%20%20%13%30%21%16%42%23%--
ROA-2%1%2%2%2%1%2%2%2%2%
ROE-9%9%7%16%8%6%14%10%11%10%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12/201412/201512/201612/201712/201812/201912/202012/202112/202212/2023TTM
Debt over FCF-----------
Debt over Equity-----------
Growth Stability---88%100%100%100%100%100%100%88%

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12/201412/201512/201612/201712/201812/201912/202012/202112/202212/2023CAGR 5Y
Revenue YoY growth-14%18%19%20%56%1%-10%50%-2%
Earnings YoY growth--0%20%-22%168%10%-23%140%-18%21%21%
Equity YoY growth-19%18%5%13%125%-3%8%14%12%9%
FCF YoY growth-6%7%74%6%-42%-89%1K%296%-51%61%