# WSFS Financial Corporation (WSFS)

> Source: Nexqual · https://nexqual.com/WSFS · data as of 2026-10-22 20:00 UTC · cite as "Nexqual, WSFS Financial Corporation (WSFS), nexqual.com/WSFS" · informational, not investment advice.

**Price:** USD 77.51 (+0.91% on the day) · last close of Oct 22, 2026; US market pre market, not a live price. Prev close 76.81 · day 76.81–78.82 · 52w 50.8–82.94 · market cap $3.98B · NMS

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $1.10B, net income $320M (29.1% margin) (SEC filings).
- Valuation: P/E 12.4x (avg 11.1x at the last 3 fiscal year-ends).
- 1 of 80 tracked superinvestors hold WSFS (13F, Q2 2026): 0 new, 1 added, 0 reduced, 0 unchanged.
- Insider open-market sales, last ~7 months: 3 Form 4 filings, $5.4M; 2 not under a Rule 10b5-1 plan ($544K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Hold (mean 2.67 on a 1–5 scale) (6 analysts), mean target USD 88.42 (range 83–92.5).
- Total return with dividends: 1Y +48.4% vs S&P 500 +14.9%; 5Y +48.2% vs S&P 500 +80.3%.
- Next earnings: 2026-10-22, EPS estimate USD 1.64, revenue estimate $293M.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $642M | $964M | $1.01B | $1.05B | $1.07B | $1.10B |
| Net income | $271M | $222M | $269M | $264M | $287M | $320M |
| EPS (diluted) | $5.69 | $3.49 | $4.40 | $4.41 | $5.09 | — |
| Free cash flow | $119M | $472M | $231M | $206M | $214M | $243M |
| Net margin | 42.3% | 23.1% | 26.5% | 25.2% | 27.0% | 29.1% |
| Revenue growth | -10.3% | +50.2% | +5.3% | +3.1% | +1.9% | — |
| Cash + short-term investments | $1.53B | $837M | $1.09B | $1.15B | $1.70B | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/E 12.4x · P/S 3.6x · P/FCF 16.4x · P/B 1.5x · FCF yield 6.10% · Earnings yield 8.04% · Dividend yield (paid, TTM) 0.96% · Buyback yield (TTM) 7.79%
P/E at fiscal year-ends: Dec 2025 10.9x, Dec 2024 12.0x, Dec 2023 10.4x.

## Superinvestors (SEC 13F-HR, Q2 2026)
1 of 80 tracked investors hold WSFS. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Richard Pzena | Pzena Investment Management | 0.20% | $68.2M | Added +1.1% |

## Insider sales (SEC Form 4, open-market, last ~7 months)
1 of 3 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-09-10 | Donahue Michael J | Director | 3,247 | $258K | 22% | No | Too little history (no open-market trades in 2024 or 2025) |
| 2026-07-28 | Kruzinski Shari | EVP, Chief Consumer Bk Officer | 3,500 | $286K | 16.8% | No | Too little history (no open-market trades in 2024 or 2025) |
| 2026-06-10 | Levenson Rodger | President & CEO | 65,446 | $4.9M | 25.8% | Yes (adopted March 11, 2026) | Too little history (no open-market trades in 2023 or 2024) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Analysts
Consensus Hold (mean 2.67 on a 1–5 scale), 6 analysts; mean target USD 88.42 (low 83, high 92.5).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-05 | TD Cowen | Target lowered | Buy | $92 → $89 |
| 2026-08-12 | Stephens & Co. | Downgrade | Overweight → Equal-Weight |  |
| 2026-08-03 | Piper Sandler | Target raised | Neutral | $80 → $90 |
| 2026-07-27 | Keefe, Bruyette & Woods | Target raised | Market Perform | $83 → $89 |
| 2026-07-27 | DA Davidson | Target raised | Neutral | $76 → $83 |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-23) | 5Y (from 2021-10-18) |
|---|---|---|
| Total return | +48.4% | +48.2% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +48.6% | +8.2% |
| Volatility (annualized) | 21.5% | 30.9% |
| Max drawdown | -11.4% (Feb 2026→Mar 2026) | -44.8% (Jan 2022→May 2023) |

## Peers (Banks - Regional)
BBD (Banco Bradesco Sa) USD 3.95 -2.47% · FITB (Fifth Third Bancorp) USD 53.23 +0.80% · DB (Deutsche Bank AG) USD 31.48 -2.39% · TFC (Truist Financial Corporation) USD 48.42 +1.45% · NWG (NatWest Group plc) USD 16.99 -2.30% · NU (Nu Holdings Ltd.) USD 14.73 -2.13%

## More
Full page: https://nexqual.com/WSFS · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Supply chain and relationships (SEC annual reports)

Named in WSFS's own 10-K filed 2026-03-02 (https://www.sec.gov/Archives/edgar/data/828944/000082894426000006/wsfs-20251231.htm):

| Relationship | Company | Sentence in the filing |
|---|---|---|
| Partner | Spring EQ | "We have purchased certain second-lien home equity installment loans through a partnership with Spring EQ, LLC (Spring EQ)." |
| Partner | LendKey Technologies | "We have purchased student loans through our partnership with LendKey Technologies Inc. (LendKey)." |

## Revenue by business segment (quarter ended 2026-06-30)

| Line | Revenue | Share | YoY |
|---|---|---|---|
| WSFS Bank | $188.8M | 64.5% | +0.1% |
| Wealth and Trust | $84.0M | 28.7% | +24.5% |
| Cash Connect | $19.7M | 6.7% | -6.7% |
| Total revenue | $292.6M | 100% | — |

## Revenue by product line (quarter ended 2026-06-30)

| Line | Revenue | Share | YoY |
|---|---|---|---|
| Financial Service | $51.5M | 17.6% | +17.6% |
| WSFS Institutional Services | $26.7M | 9.1% | +34.3% |
| Service Other | $16.9M | 5.8% | +10.1% |
| Credit & Debit Card | $15.6M | 5.3% | -14.7% |
| Private Wealth Management | $15.2M | 5.2% | -4.7% |
| — The Bryn Mawr Trust Company Of Delaware (part of Private Wealth Management) | $9.6M | 3.3% | +20.4% |
| — Interchange Fees (part of Private Wealth Management) | $4.2M | 1.4% | +3.1% |
| — Mortgage Banking (part of Private Wealth Management) | $1.3M | 0.5% | -43.5% |
| Bailment Fees | $10.6M | 3.6% | -20.2% |
| — Miscellaneous Products & Services (part of Bailment Fees) | $6.0M | 2.1% | +0.6% |
| — Return & Overdraft Fees (part of Bailment Fees) | $2.0M | 0.7% | +6.1% |
| — Currency Preparation (part of Bailment Fees) | $1.7M | 0.6% | -0.8% |
| — ATM Insurance (part of Bailment Fees) | $668,000 | 0.2% | +1.5% |
| — Other Deposit Service Fees (part of Bailment Fees) | $291,000 | 0.1% | -4.0% |
| Deposit Account | $7.0M | 2.4% | +3.5% |
| Managed Service Fees | $5.3M | 1.8% | +3.6% |
| Service Fees | $4.8M | 1.6% | +3.0% |
| Capital Market Revenue | $3.2M | 1.1% | +69.5% |
| Other Card & ATM Fees | $813,000 | 0.3% | -14.5% |
| Total revenue | $292.6M | 100% | — |
The lines above cover 53.9% of total revenue.

## Company outlook (8-K filed 2026-10-22)

- "WSFS Bank Center WSFS Bank Place 13 500 Delaware Avenue 1818 Market Street Wilmington, DE 19801 Philadelphia, PA 19103 Forward-Looking Statements This press release contains estimates, predictions, opinions, projections and other "forward-looking statements" as that phrase is defined in the Private Securities Litigation Reform Act of 1995."

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-12-31) | $1.64 | $1.42 | +15.5% | $292.9M | 2 |
| Next quarter (ends 2027-03-31) | $1.65 | $1.55 | +6.3% | $290.2M | 4 |
| Current fiscal year (ends 2026-12-31) | $6.53 | $5.95 | +9.7% | $1.14B | 1 |
| Next fiscal year (ends 2027-12-31) | $7.00 | $6.63 | +5.7% | $1.19B | 6 |

## Options: expected move (Cboe, 15-min delayed)

| Expiration | Days | ATM IV | Expected move |
|---|---|---|---|
| 2026-11-20 | 28 | 29.8% | ±7.8% |
| 2026-12-18 | 56 | 29.8% | ±9.7% |
| 2027-03-19 | 147 | 25.2% | ±13.0% |
| 2027-06-17 | 237 | 25.0% | ±16.1% |