WSFS
WSFS FINANCIAL CORP
Next earnings Jul 22, 2026 · consensus $1.51 EPS, $191M rev
Last earnings +1.1% on 2026-04-23
$77.17
▲ +0.61%$77.17▲ +41.96%
over 1Y
L $49.92H $77.87
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.6%
1W-0.9%
1M+8.2%
3M+16.7%
YTD+40.9%
1Y+42.0%
Hold
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 12 analysts
Buy
Quality 193-year-old regional bank with expanding NIM and aggressive buybacks, but P/E 15x on 10.5% ROE leaves little margin of safety after the rally.
Diluted EPS $5.09 · FY2025
The read
Middling fundamentals offset by an attractive price (~151% below fair value) — worth a look on the value angle.
WSFS is a well-run community bank with a diversified earnings stack — a $12.6B loan/lease portfolio, the Cash Connect ATM/smart-safe logistics business (servicing ~$1.3B in cash across 24,000 ATMs and 11,900 smart safes), and a sizeable Wealth & Trust franchise with $97.4B in AUM/AUA anchored by Bryn Mawr Trust. FY2025 results were solidly better than 2024: EPS $5.09 vs $4.41 (+15.4%), ROA 1.36% vs 1.27%, and net interest margin 3.87% vs 3.82%, driven by deposit repricing and wholesale funding management. Net income reached $287M (+9.0%) on a strong, asset-light balance sheet (assets +2.4%, equity +5.7%).
Most of the EPS lift came from capital return, not organic growth. The board completed the 2022 10% buyback in Q3 2025 and immediately authorized another 10% program (5.77M shares) targeting a CET1 of ~12%. FY2025 buybacks totaled $290M (+201% YoY) — shares outstanding fell 9.9% — and Q4 alone repurchased 2.03M shares at $53.84 average. Combined with $37.2M of dividends, the company returned $327M on $287M of net income, partially funded by a $1.70B cash position (+47%). That's accretive capital allocation, but the new program is being executed at materially higher prices than the Q4 average.
Is WSFS a buy? The one-page verdict, explained →
The options angle
model · matches our verdictCovered call~60d expiry
- Long 100 shares @ ~77.17
- Short call 81 @ ~1.01 est
debit $7,616max +$484max −$7,615BE 76.16
HOLD means own it, don't chase it — harvesting premium against the position matches the verdict.
Educational template, not a trade recommendation. Strikes and premiums are Black-Scholes model estimates from the last close and 30-day realized volatility — real chains, spreads and IV will differ. Options involve substantial risk.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $642M | $964M | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $271M | $222M | $269M | $264M | $287M |
| Diluted EPS | $5.69 | $3.49 | $4.40 | $4.41 | $5.09 |
| Net margin | 42.3% | 23.1% | — | — | — |
10-year statements — income, cash flow, balance sheet & CSV export →
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF18.8
PEG (trailing)1.69
Earnings yield7.2%
FCF yield5.3%
Quality & risk
ROIC (est.)—
Free cash flow$214M
Total debt$22.0M
Net cash$1.68B
Piotroski F-Score5/6
Capital returns
Buyback yield7.2%
Dividend yield (est.)0.9%
Shareholder yield8.2%
Shares Δ YoY-9.9%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRecent disclosure tone has been improving.
- 8-K Reg FD disclosure2026-06-11
Reg FD investor/conference materials; no new financial disclosure
- 8-K Shareholder vote2026-05-19
Annual meeting vote results; routine director/auditor approvals
- 10-Q Quarterly report2026-05-04
Q1 2026 10-Q; continuing buyback execution under 5.77M-share authorization
- 8-K Earnings results2026-04-23
Q1 2026 earnings release furnished with results and press deck
- DEF 14A Proxy statement2026-04-02
2026 proxy: routine director slate, say-on-pay, auditor ratification
- 8-K Other event2026-03-11
Item 8.01 other-event disclosure; non-routine corporate update
- 10-K Annual report2026-03-02
FY25 EPS $5.09 (+15%), NIM 3.87%, $290M buybacks, new 10% repurchase plan
- 8-K Earnings results2026-01-26
Q4 2025 earnings: EPS $5.09 FY, NIM 3.87%, ROA 1.36% beat prior year
- 8-K Other event2025-12-11
Other-event disclosure with exhibit; likely capital/dividend or program update
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-30open ↗NT 11-KPeriod ending 2025-12-312026-06-30open ↗4Period ending 2026-06-102026-06-12open ↗8-KPeriod ending 2026-06-052026-06-11open ↗144Filing2026-06-10open ↗8-KPeriod ending 2026-05-142026-05-19open ↗10-QPeriod ending 2026-03-312026-05-04open ↗SCHEDULE 13GFiling2026-04-30open ↗SCHEDULE 13GFiling2026-04-29open ↗8-KPeriod ending 2026-04-232026-04-23open ↗4Period ending 2026-04-152026-04-17open ↗4Period ending 2026-04-152026-04-17open ↗
Frequently asked
- Is WSFS FINANCIAL CORP (WSFS) a buy?
- WSFS currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Quality 193-year-old regional bank with expanding NIM and aggressive buybacks, but P/E 15x on 10.5% ROE leaves little margin of safety after the rally.
- What is WSFS's fair value?
- A Modified-Graham model based on WSFS's SEC fundamentals estimates a fair value of about $193.42. It is an estimate from reported earnings, not a price target.
- Is WSFS overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, WSFS currently appears undervalued relative to its SEC-grounded earnings power.
- What is WSFS FINANCIAL CORP's quality score?
- WSFS scores 78.91374098175538/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000828944, latest 10-Q filed 2026-05-04) · EODHD · Proprietary analysis · as of 6/25/2026, 1:08:27 PM.
About this recommendation — produced by TENK/calls (tenkcalls.com), Luxembourg · not investment advice
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 25, 2026, 9:08 AM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.