WSFS Financial Corporation

WSFS

Banks - Regional · Financial Services

Price

$79.84

-0.39 (-0.49%)

Market Cap

$4.16B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+14.0% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 47.7M (2021) → 54.4M (2025)

WSFS Financial Corporation operates as the savings and loan holding company for the Wilmington Savings Fund Society, FSB that provides various banking services in the United States. It operates through three segments: WSFS Bank, Cash Connect, and Wealth Management. It offers various deposit products, including savings accounts, demand deposits, interest-bearing demand deposits, money market deposit accounts, and certificates of deposit, as well as accepts jumbo certificates of deposit from indiv

Winston Score History

Politician Trades

6 trades / 12mo

2 Congressional buys and 4 sells on WSFS in the last 12 months.

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Score breakdown

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Quality

Gross Margin

81.4%

Premium pricing power — 81.4% gross margin

Operating Margin

34.3%

Excellent — 34.3% operating margin

ROCE

3.8%

Weak — 3.8% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-2.7%

Shrinking sales (-2.7% YoY)

EPS YoY

+25.3%

Earnings growing fast (25.3% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

97%

Turns 97% of profit into real cash

FCF Margin

21.5%

Converts sales into free cash efficiently (21.5%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.11

Conservative — low debt load (0.11)

Interest Cover

1.45x

Dangerous — barely covers interest (1.4x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

14.3x

Attractive valuation — P/E 14.3

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+2.4

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

0.96%

Small dividend — 0.96% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+14.5%

Dividend growing fast (14.5% YoY)

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