WSFS Financial (WSFS) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Nov 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q3 FY2026, filed Nov 3, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the WSFS SEC filings page.
WSFS Financial Corp (WSFS) reported $1.1B in revenue over the twelve months to Sep 30, 2026, up 5.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Profit has recovered while cash conversion remains below earnings, and a liability-heavy balance sheet still funds modest asset growth.
From FY2022 to FY2025, net income increased29.2% while operating cash flow declined54.2% , showing that the profit recovery has not translated into proportionate cash generation. By FY2025, operating cash flow represented only76.6% of net income, making earnings less cash-rich than the income statement alone suggests.
The company is financed primarily by liabilities: liabilities were
Capital expenditures were
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of WSFS Financial Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
WSFS Financial Corp earned a return on assets of 1.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.3% the prior year. Earnings ranks banks on that return over three years, and WSFS Financial Corp scores 80/100 among other banks.
WSFS Financial Corp reported revenue of $1.1B in fiscal year 2025, against $1.0B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and WSFS Financial Corp scores 23/100 among other banks.
WSFS Financial Corp funded 12.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $2.7B of equity against $21.3B of assets. Capital ranks banks on that cushion, and WSFS Financial Corp scores 73/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. WSFS Financial Corp scores 67/100 on it among other banks.
Not available for WSFS Financial Corp, so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.
WSFS Financial Corp reported net income of $287.3M in fiscal year 2025, against $263.7M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and WSFS Financial Corp scores 92/100 among other banks.
WSFS Financial Corp passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) does not pass.
Key Financial Metrics
Earnings & Revenue
WSFS Financial Corp generated $287.6M in revenue in Q3 2026. This represents an increase of 6.3% from the same quarter a year earlier. Against the prior quarter it is up 1.8%.
WSFS Financial Corp reported $89.3M in net income in Q3 2026. This represents an increase of 16.8% from the same quarter a year earlier. Against the prior quarter it is up 5.8%.
WSFS Financial Corp earned $1.75 per diluted share (EPS) in Q3 2026. This represents an increase of 27.7% from the same quarter a year earlier. Against the prior quarter it is up 7.4%.
Not reported for Q3 2026.
Cash & Balance Sheet
WSFS Financial Corp generated $163.4M in free cash flow in Q3 2026, representing cash available after capex. This represents an increase of 35.8% from the same quarter a year earlier. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
WSFS Financial Corp held $1.9B in cash as of Q3 2026; no long-term debt figure is on record for that period.
WSFS Financial Corp paid $0.20 per share in dividends in Q3 2026. This represents an increase of 17.6% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
WSFS Financial Corp's net profit margin was 31.1% in Q3 2026, showing the share of revenue converted to profit. This is up 2.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.2 percentage points.
WSFS Financial Corp's quarterly ROE was 3.4% in Q3 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.
Not reported for Q3 2026.
Not reported for Q3 2026.
Capital Allocation
WSFS Financial Corp spent $60.2M on share buybacks in Q3 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 27.5% from the same quarter a year earlier. Against the prior quarter it is down 9.8%.
WSFS Financial Corp invested $7.2M in capex in Q3 2026, funding long-term assets and infrastructure. This represents an increase of 485.0% from the same quarter a year earlier. Against the prior quarter it is up 315.4%.
Not reported for Q3 2026.
WSFS Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $287.6M+6.3% | $282.5M+5.6% | $275.3M+7.5% | $271.9M+4.0% | $270.5M+1.1% | $267.5M+0.5% | $256.1M+2.0% | $261.5M+114.9% |
| Interest Expense | $67.3M-9.5% | $64.3M-12.7% | $64.1M-15.3% | $69.8M-18.0% | $74.4M-22.4% | $73.7M-18.8% | $75.7M-12.4% | $85.1M+7.6% |
| Income Tax | $28.3M+16.0% | $26.8M+14.9% | $27.6M+31.0% | $24.5M+21.5% | $24.4M+15.6% | $23.3M+9.7% | $21.1M-0.5% | $20.2M-31.2% |
| Net Income | $89.3M+16.8% | $84.4M+16.7% | $86.8M+31.8% | $72.7M+13.2% | $76.4M+18.6% | $72.3M+4.4% | $65.9M+0.2% | $64.2M+0.5% |
| EPS (Basic) | $1.75+27.7% | $1.63+27.3% | $1.64+45.1% | $1.34+22.9% | $1.37+25.7% | $1.28+10.3% | $1.13+3.7% | $1.09+3.8% |
| EPS (Diluted) | $1.75+27.7% | $1.63+28.3% | $1.64+46.4% | $1.34+24.1% | $1.37+26.9% | $1.27+9.5% | $1.12+2.8% | $1.08+1.9% |
| Diluted Shares (Avg) | 51M-8.7% | 52M-8.6% | 53M-9.7% | N/A | 56M-5.8% | 57M-5.2% | 59M-3.0% | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
WSFS Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $22.1B+6.1% | $22.7B+9.1% | $22.1B+7.6% | $21.3B+2.4% | $20.8B-0.3% | $20.8B+0.1% | $20.5B-0.1% | $20.8B+1.1% |
| Cash & Equivalents | $1.9B+22.7% | $2.6B+93.1% | $2.5B+143.0% | $1.7B+47.1% | $1.6B+58.8% | $1.3B+30.3% | $1.0B+4.1% | $1.2B+5.7% |
| Goodwill | $885.2M0.0% | $885.2M0.0% | $885.2M-0.1% | $885.2M-0.1% | $885.2M-0.1% | $885.2M-0.1% | $885.9M0.0% | $885.9M0.0% |
| Total Liabilities | $19.5B+7.8% | $19.9B+10.2% | $19.4B+8.4% | $18.6B+1.9% | $18.1B-0.8% | $18.1B-1.0% | $17.9B-1.2% | $18.2B+0.6% |
| Total Equity | $2.6B-5.1% | $2.7B+1.5% | $2.7B+2.0% | $2.7B+5.7% | $2.8B+2.8% | $2.7B+7.8% | $2.7B+8.0% | $2.6B+4.5% |
| Retained Earnings | $2.4B+14.3% | $2.3B+14.2% | $2.2B+14.0% | $2.1B+13.4% | $2.1B+13.3% | $2.0B+13.1% | $1.9B+13.4% | $1.9B+13.9% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
WSFS Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $170.6M+40.4% | -$12.7M-134.2% | $86.4M+887.6% | $52.5M-11.0% | $121.5M+3759.1% | $37.2M-17.1% | $8.7M-92.3% | $59.0Mn/m |
| Stock-Based Compensation | N/A | N/A | $3.5M+17.7% | N/A | N/A | N/A | $3.0M+22.2% | N/A |
| Capital Expenditures | $7.2M+485.0% | $1.7M-12.2% | $885K-63.6% | $749K-79.6% | $1.2M-66.1% | $2.0M-27.5% | $2.4M-42.6% | $3.7M+6.1% |
| Free Cash Flow | $163.4M+35.8% | -$14.4M-141.0% | $85.5M+1253.7% | $51.8M-6.5% | $120.3Mn/m | $35.2M-16.4% | $6.3M-94.2% | $55.4Mn/m |
| Investing Cash Flow | -$118.6M-198.6% | -$341.2M-341.6% | -$51.6M-139.0% | -$269.2M-220.4% | $120.3Mn/m | $141.2Mn/m | $132.5Mn/m | $223.6M+161.2% |
| Financing Cash Flow | -$692.4Mn/m | $452.9M+233.5% | $737.7Mn/m | $342.7Mn/m | -$208K-100.4% | $135.8M+103.2% | -$278.8Mn/m | -$118.7M-126.6% |
| Dividends Paid | $10.2M+7.5% | $10.4M+8.0% | $9.0M+2.7% | $9.3M+4.9% | $9.5M+6.8% | $9.6M+6.7% | $8.8M-3.1% | $8.8M-3.2% |
| Share Buybacks | $60.2M+27.5% | $66.8M-14.8% | $85.8M+58.0% | $110.4M+421.7% | $47.2M+238.0% | $78.4M+95.0% | $54.3M+158.7% | $21.2M+112.6% |
Not reported in any period shown, so not listed: Depreciation & Amortization.
WSFS Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 31.1%+2.8pp | 29.9%+2.8pp | 31.5%+5.8pp | 26.7%+2.2pp | 28.3%+4.2pp | 27.0%+1.0pp | 25.7%-0.5pp | 24.6%-28.0pp |
| Return on Equity | 3.4%+0.6pp | 3.1%+0.4pp | 3.2%+0.7pp | 2.6%+0.2pp | 2.8%+0.4pp | 2.7%-0.1pp | 2.5%-0.2pp | 2.5%-0.1pp |
| Return on Assets | 0.4%0.0pp | 0.4%0.0pp | 0.4%+0.1pp | 0.3%0.0pp | 0.4%+0.1pp | 0.4%0.0pp | 0.3%0.0pp | 0.3%0.0pp |
| Liabilities-to-Equity | 7.47+0.9x | 7.33+0.6x | 7.12+0.4x | 6.79-0.3x | 6.57-0.2x | 6.74-0.6x | 6.70-0.6x | 7.04-0.3x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 56.8%+12.3pp | -5.1%-18.3pp | 31.1%+28.6pp | 19.1%-2.1pp | 44.5%+44.6pp | 13.2%-2.7pp | 2.5%-40.8pp | 21.2%+65.8pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| WSFS Financial Corp WSFS | FY2025 | $1.1B | $287.3M | 27.0% | $4.0B | 67/100 |
| Intl Bancshares Corp IBOC | FY2025 | $842.2M | $412.3M | 49.0% | $4.2B | 72/100 |
| Independent Bank Corp/MA INDB | FY2025 | $857.5M | $205.1M | 23.9% | $4.0B | 61/100 |
| WesBanco Inc WSBC | FY2025 | $981.1M | $223.1M | 22.7% | $3.7B | 58/100 |
| United Community Banks, Inc. UCB | FY2025 | $1.1B | $328.1M | 30.9% | $4.4B | 61/100 |
| CVB Financial Corp CVBF | FY2025 | $515.5M | $209.3M | 40.6% | $4.0B | 73/100 |
Where WSFS Financial Corp Ranks
Frequently Asked Questions
WSFS Financial Corp (WSFS) reported $1.1B in total revenue for fiscal year 2025. This represents a 1.9% 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.
WSFS Financial Corp (WSFS) revenue grew by 1.9% year-over-year, from $1.0B to $1.1B in fiscal year 2025.
Yes, WSFS Financial Corp (WSFS) reported a net income of $333.2M over the trailing 12 months to September 30, 2026. In fiscal year 2025 it reported a net income of $287.3M, with a net profit margin of 27.0%.
WSFS Financial Corp (WSFS) had a net profit margin of 27.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Yes, WSFS Financial Corp (WSFS) paid $0.66 per share in dividends during fiscal year 2025.
WSFS Financial Corp (WSFS) has a return on equity of 10.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
WSFS Financial Corp (WSFS) generated $213.6M in free cash flow during fiscal year 2025. This represents a 3.9% 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.
WSFS Financial Corp (WSFS) generated $220.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
WSFS Financial Corp (WSFS) had $21.3B in total assets as of fiscal year 2025, including both current and long-term assets.
WSFS Financial Corp (WSFS) invested $6.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
WSFS Financial Corp (WSFS) had a liabilities-to-equity ratio of 6.79 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
WSFS Financial Corp (WSFS) had a return on assets of 1.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
WSFS Financial Corp (WSFS) trades at 12.0x earnings, its market capitalization divided by $333.2M net income, trailing 12 months to September 30, 2026. The market capitalization is $4.0B as of Nov 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
WSFS Financial Corp (WSFS) trades at 3.6x sales, its market capitalization divided by $1.1B revenue, trailing 12 months to September 30, 2026. The market capitalization is $4.0B as of Nov 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
WSFS Financial Corp (WSFS) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
WSFS Financial Corp (WSFS) scores 67 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For WSFS Financial Corp it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.