Wsfs Finl Corp Financials

WSFS

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Wsfs Finl Corp (WSFS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 48/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Wsfs Finl Corp's revenue grew 8.9% year-over-year to $1.1B, a solid pace of expansion. This earns a growth score of 54/100.

Leverage

Wsfs Finl Corp has elevated debt relative to equity (D/E of 7.04), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Wsfs Finl Corp converts 19.3% of revenue into free cash flow ($205.6M). This strong cash generation earns a score of 97/100.

Returns

Wsfs Finl Corp's ROE of 10.2% shows moderate profitability relative to equity, earning a score of 41/100. This is down from 10.9% the prior year.

Piotroski F-Score Weak

3/9

Wsfs Finl Corp passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Mixed

0.83x

For every $1 of reported earnings, Wsfs Finl Corp generates $0.83 in operating cash flow ($219.9M OCF vs $263.7M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Revenue

$1.1B

YoY+8.9%

5Y CAGR+8.4%

10Y CAGR+16.1%

Wsfs Finl Corp generated $1.1B in revenue in fiscal year 2024. This represents an increase of 8.9% from the prior year.

EBITDA

N/A

Free Cash Flow

$205.6M

YoY-10.8%

5Y CAGR+22.1%

10Y CAGR+12.5%

Wsfs Finl Corp generated $205.6M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 10.8% from the prior year.

Net Income

$263.7M

YoY-2.0%

5Y CAGR+12.1%

10Y CAGR+17.2%

Wsfs Finl Corp reported $263.7M in net income in fiscal year 2024. This represents a decrease of 2.0% from the prior year.

EPS (Diluted)

$4.41

YoY+0.2%

5Y CAGR+8.0%

10Y CAGR+8.6%

Wsfs Finl Corp earned $4.41 per diluted share (EPS) in fiscal year 2024. This represents an increase of 0.2% from the prior year.

Cash & Debt

$1.2B

YoY+5.7%

5Y CAGR+15.1%

10Y CAGR+8.6%

Wsfs Finl Corp held $1.2B in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.60

YoY+0.0%

5Y CAGR+5.0%

10Y CAGR+13.4%

Wsfs Finl Corp paid $0.60 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.

Shares Outstanding

N/A

Gross Margin

N/A

Operating Margin

N/A

Net Margin

24.8%

YoY-2.8pp

5Y CAGR+3.8pp

10Y CAGR+2.3pp

Wsfs Finl Corp's net profit margin was 24.8% in fiscal year 2024, showing the share of revenue converted to profit. This is down 2.8 percentage points from the prior year.

Return on Equity

10.2%

YoY-0.7pp

5Y CAGR+2.1pp

10Y CAGR-0.8pp

Wsfs Finl Corp's ROE was 10.2% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.7 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$96.3M

YoY+76.2%

5Y CAGR-0.2%

10Y CAGR+43.0%

Wsfs Finl Corp spent $96.3M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 76.2% from the prior year.

Capital Expenditures

$14.3M

YoY+122.6%

5Y CAGR+0.1%

10Y CAGR+11.7%

Wsfs Finl Corp invested $14.3M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 122.6% from the prior year.

WSFS Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$1.1B+8.9%	$976.5M+1.3%	$963.9M+50.2%	$641.8M-10.3%	$715.4M+0.9%	$709.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$358.1M+42.4%	$251.4M+514.3%	$40.9M+80.1%	$22.7M-53.1%	$48.5M-36.4%	$76.1M
Income Tax	$83.8M-13.0%	$96.2M+23.5%	$78.0M-9.4%	$86.1M+172.1%	$31.6M-31.9%	$46.5M
Net Income	$263.7M-2.0%	$269.2M+21.0%	$222.4M-18.1%	$271.4M+136.5%	$114.8M-22.9%	$148.8M
EPS (Diluted)	$4.41+0.2%	$4.40+26.1%	$3.49-38.7%	$5.69+150.7%	$2.27-24.3%	$3.00

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q3'24	Q2'24	Q1'24	Q4'23
Revenue	$258.4M+2.1%	$253.2M+0.9%	$250.9M-4.7%	$263.3M-3.7%	$273.4M+3.1%	$265.2M+1.4%	$261.6M+199.4%	$87.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$74.4M+1.0%	$73.7M-2.6%	$75.7M-11.1%	$85.1M-11.2%	$95.9M+5.6%	$90.8M+5.1%	$86.3M+9.2%	$79.1M
Income Tax	$24.4M+4.7%	$23.3M+10.5%	$21.1M+4.5%	$20.2M-4.3%	$21.1M-0.7%	$21.3M+0.3%	$21.2M-27.8%	$29.4M
Net Income	$76.4M+5.7%	$72.3M+9.8%	$65.9M+2.6%	$64.2M-0.4%	$64.4M-7.0%	$69.3M+5.3%	$65.8M+2.9%	$63.9M
EPS (Diluted)	$1.37+7.9%	$1.27+13.4%	$1.12+3.7%	$1.080.0%	$1.08-6.9%	$1.16+6.4%	$1.09+3.8%	$1.05

WSFS Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$20.8B+1.1%	$20.6B+3.4%	$19.9B+26.2%	$15.8B+10.1%	$14.3B+17.0%	$12.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.2B+5.7%	$1.1B+30.5%	$837.3M-45.4%	$1.5B-7.4%	$1.7B+189.4%	$571.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$885.9M0.0%	$885.9M+0.3%	$883.6M+86.9%	$472.8M0.0%	$472.8M0.0%	$472.8M
Total Liabilities	$18.2B+0.6%	$18.1B+2.3%	$17.7B+28.0%	$13.8B+10.3%	$12.5B+20.5%	$10.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$2.6B+4.5%	$2.5B+12.4%	$2.2B+13.7%	$1.9B+8.2%	$1.8B-3.2%	$1.9B
Retained Earnings	$1.9B+13.9%	$1.6B+16.5%	$1.4B+15.2%	$1.2B+25.3%	$977.4M+6.5%	$917.4M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q3'24	Q2'24	Q1'24	Q4'23
Total Assets	$20.8B+0.4%	$20.8B+1.0%	$20.5B-1.3%	$20.8B-0.4%	$20.9B+0.8%	$20.7B+0.8%	$20.6B-0.1%	$20.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.6B+18.1%	$1.3B+30.9%	$1.0B-11.9%	$1.2B+16.5%	$990.9M-3.0%	$1.0B+4.6%	$977.1M-10.6%	$1.1B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$885.2M0.0%	$885.2M-0.1%	$885.9M0.0%	$885.9M0.0%	$885.9M0.0%	$885.9M0.0%	$885.9M0.0%	$885.9M
Total Liabilities	$18.1B0.0%	$18.1B+1.1%	$17.9B-1.9%	$18.2B0.0%	$18.2B-0.2%	$18.3B+0.8%	$18.1B-0.1%	$18.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	$22.0M	N/A	N/A	N/A	N/A
Total Equity	$2.8B+2.6%	$2.7B+0.4%	$2.7B+3.2%	$2.6B-3.3%	$2.7B+7.6%	$2.5B+0.7%	$2.5B-0.2%	$2.5B
Retained Earnings	$2.1B+3.4%	$2.0B+3.3%	$1.9B+3.1%	$1.9B+3.0%	$1.8B+3.2%	$1.8B+3.5%	$1.7B+3.4%	$1.6B

WSFS Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$219.9M-7.2%	$237.0M-50.7%	$480.9M+282.7%	$125.6M+729.8%	$15.1M-83.2%	$89.9M
Capital Expenditures	$14.3M+122.6%	$6.4M-27.3%	$8.8M+34.0%	$6.6M-8.1%	$7.2M-49.6%	$14.2M
Free Cash Flow	$205.6M-10.8%	$230.6M-51.1%	$472.0M+296.4%	$119.1M+1391.6%	$8.0M-89.4%	$75.7M
Investing Cash Flow	-$66.7M+79.5%	-$326.3M-137.5%	-$137.4M+90.8%	-$1.5B-70.6%	-$874.9M-397.8%	$293.8M
Financing Cash Flow	-$91.2M-126.5%	$344.9M+133.2%	-$1.0B-183.5%	$1.2B-35.9%	$1.9B+549.0%	-$432.7M
Dividends Paid	$35.8M-2.6%	$36.7M+2.8%	$35.7M+47.5%	$24.2M-0.5%	$24.4M+8.5%	$22.5M
Share Buybacks	$96.3M+76.2%	$54.6M-72.7%	$200.1M+1408.0%	$13.3M-91.5%	$155.8M+60.3%	$97.2M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q3'24	Q2'24	Q1'24	Q4'23
Operating Cash Flow	$121.5M+226.8%	$37.2M+325.2%	$8.7M-85.2%	$59.0M+1774.9%	$3.1M-93.0%	$44.8M-60.3%	$112.9M+322.2%	-$50.8M
Capital Expenditures	$1.2M-37.7%	$2.0M-18.7%	$2.4M-33.6%	$3.7M+0.7%	$3.6M+33.6%	$2.7M-35.6%	$4.2M+22.6%	$3.5M
Free Cash Flow	$120.3M+241.7%	$35.2M+457.5%	$6.3M-88.6%	$55.4M+11424.5%	-$489K-101.2%	$42.1M-61.2%	$108.6M+300.2%	-$54.3M
Investing Cash Flow	$120.3M-14.8%	$141.2M+6.5%	$132.5M-40.7%	$223.6M+375.2%	-$81.3M-21.2%	-$67.0M+52.8%	-$142.1M-266.0%	$85.6M
Financing Cash Flow	-$208K-100.2%	$135.8M+148.7%	-$278.8M-134.8%	-$118.7M-351.0%	$47.3M-29.2%	$66.8M+177.1%	-$86.6M-119.4%	$446.6M
Dividends Paid	$9.5M-1.4%	$9.6M+9.5%	$8.8M-0.4%	$8.8M-0.8%	$8.9M-1.5%	$9.0M-0.5%	$9.1M-0.4%	$9.1M
Share Buybacks	$47.2M-39.8%	$78.4M+44.4%	$54.3M+156.7%	$21.2M+51.4%	$14.0M-65.2%	$40.2M+91.6%	$21.0M+110.9%	$9.9M

WSFS Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.8%-2.8pp	27.6%+4.5pp	23.1%-19.2pp	42.3%+26.3pp	16.0%-4.9pp	21.0%
Return on Equity	10.2%-0.7pp	10.9%+0.8pp	10.1%-3.9pp	14.0%+7.6pp	6.4%-1.6pp	8.0%
Return on Assets	1.3%-0.0pp	1.3%+0.2pp	1.1%-0.6pp	1.7%+0.9pp	0.8%-0.4pp	1.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.04-0.3	7.32-0.7	8.03+0.9	7.14+0.1	7.00+1.4	5.62
FCF Margin	19.3%-4.3pp	23.6%-25.4pp	49.0%+30.4pp	18.6%+17.4pp	1.1%-9.6pp	10.7%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q3'24	Q2'24	Q1'24	Q4'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	29.6%+1.0pp	28.6%+2.3pp	26.3%+1.9pp	24.4%+0.8pp	23.6%-2.5pp	26.1%+1.0pp	25.1%-48.0pp	73.1%
Return on Equity	2.8%+0.1pp	2.7%+0.2pp	2.5%0.0pp	2.5%+0.1pp	2.4%-0.4pp	2.8%+0.1pp	2.7%+0.1pp	2.6%
Return on Assets	0.4%+0.0pp	0.4%+0.0pp	0.3%+0.0pp	0.3%0.0pp	0.3%-0.0pp	0.3%0.0pp	0.3%+0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.57-0.2	6.74+0.0	6.70-0.3	7.04+0.2	6.81-0.5	7.34+0.0	7.320.0	7.32
FCF Margin	46.6%+32.6pp	13.9%+11.4pp	2.5%-18.5pp	21.0%+21.2pp	-0.2%-16.1pp	15.9%-25.6pp	41.5%+103.6pp	-62.1%

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Frequently Asked Questions

What is Wsfs Finl Corp's annual revenue?

Wsfs Finl Corp (WSFS) reported $1.1B in total revenue for fiscal year 2024. This represents a 8.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Wsfs Finl Corp's revenue growing?

Wsfs Finl Corp (WSFS) revenue grew by 8.9% year-over-year, from $976.5M to $1.1B in fiscal year 2024.

Is Wsfs Finl Corp profitable?

Yes, Wsfs Finl Corp (WSFS) reported a net income of $263.7M in fiscal year 2024, with a net profit margin of 24.8%.

What is Wsfs Finl Corp's earnings per share (EPS)?

Wsfs Finl Corp (WSFS) reported diluted earnings per share of $4.41 for fiscal year 2024. This represents a 0.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Wsfs Finl Corp's net profit margin?

Wsfs Finl Corp (WSFS) had a net profit margin of 24.8% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Wsfs Finl Corp pay dividends?

Yes, Wsfs Finl Corp (WSFS) paid $0.60 per share in dividends during fiscal year 2024.

What is Wsfs Finl Corp's return on equity (ROE)?

Wsfs Finl Corp (WSFS) has a return on equity of 10.2% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Wsfs Finl Corp's free cash flow?

Wsfs Finl Corp (WSFS) generated $205.6M in free cash flow during fiscal year 2024. This represents a -10.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Wsfs Finl Corp's operating cash flow?

Wsfs Finl Corp (WSFS) generated $219.9M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Wsfs Finl Corp's total assets?

Wsfs Finl Corp (WSFS) had $20.8B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Wsfs Finl Corp's capital expenditures?

Wsfs Finl Corp (WSFS) invested $14.3M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Wsfs Finl Corp buy back shares?

Yes, Wsfs Finl Corp (WSFS) spent $96.3M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

What is Wsfs Finl Corp's debt-to-equity ratio?

Wsfs Finl Corp (WSFS) had a debt-to-equity ratio of 7.04 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Wsfs Finl Corp's return on assets (ROA)?

Wsfs Finl Corp (WSFS) had a return on assets of 1.3% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Wsfs Finl Corp's Piotroski F-Score?

Wsfs Finl Corp (WSFS) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Wsfs Finl Corp's earnings high quality?

Wsfs Finl Corp (WSFS) has an earnings quality ratio of 0.83x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Wsfs Finl Corp?

Wsfs Finl Corp (WSFS) scores 48 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.