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Wsfs Financial

WSFS on Nasdaq. Wsfs Financial sells banking and trust services to people and businesses in the Delaware region. Market value $4.0bn.

Watch this stockFree. We tell you when something changes.

Price checks use the past 12 months to June 2026. Some use the latest annual report instead, as marked. Quality checks use five annual reports, the latest for the year to December 2025.

We can't read total debt from the filing, so debt is left out.

Should I look at this?

Worth a closer look

Why it could be worth it

What to watch out for

Nothing stood out in the numbers we check.

Read what could go wrong

This is not advice. Check the numbers below.

Compare with another stock

Return on equity
five annual reports to December 2025
10.8%five-year median

Yearly profit per dollar of owners' money: 11 cents. Above 10 is good.

Price to book
quarterly report to June 2026
1.4×

What you pay for each dollar of net assets: $1.43.

Earnings yield
past 12 months to June 2026
8.3%

Profit per $100 you pay: $8.26.

Quality score: 90 of 100. Price score: 89 of 100. Our list needs 70 on quality and 60 on price.

$75.92 a share, 52% above its 1-year low

Over the past year the price has ranged from $49.92 to $82.94.

Dividend: 1.0% a year

Paid every year for at least 5 years

Prices from Tuesday’s close (6 October).

Five years of cash, in billions

n/a
n/a
n/a
n/a
n/a
20212022202320242025
Revenue
$642m$964mn/an/an/a
Operating margin
n/an/an/an/an/a
Debt to equity
n/an/an/an/an/a
Shares outstanding
0.06bn0.06bn0.06bn0.05bn0.05bn

Health checks

  • Free cash flow positiveDoesn't apply to banks and insurers
  • Accounting checksDoesn't apply to banks and insurers
  • DebtDoesn't apply to banks and insurers
  • Revenue growth, five yearsUnknown
  • Buying back its own sharesYes, 17% fewer since 2021

The quarter to June 2026

How the business did, compared with the same quarter a year earlier.

  • Profit: $84 million, up 17% on a year ago.
  • Spare cash over the past 12 months: $243 million, up from $96 million.
  • 9% fewer shares than a year ago. Each share owns a bit more of the company.
Profit by quarter
Profit by quarter
Quarter toAmount
September 2024$64m
December 2024$64m
March 2025$66m
June 2025$72m
September 2025$76m
December 2025$73m
March 2026$87m
June 2026$84m

From the company's quarterly reports to the SEC.

Dates

Next results (estimated)
n/a
Last annual report (10-K)
2 March 2026
Next quarterly (estimated, 10-Q)
4 November 2026

Who owns it

3 long-term investors we follow own it, down from 4 last quarter. 355 funds in all.

Jun '25
Dec '25
Jun '26

Sold out this quarter

Largest holders overall

From 13F filings for the quarter ended 30 June 2026.

Big holders and activists

2 investors own more than 5%.

From Schedule 13D and 13G filings: anyone owning more than 5% must file one.

What insiders did

No insider bought shares on the open market in the last 12 months. 5 sold $6m, $5m of it under preset trading plans.

  • DONAHUE MICHAEL J
    Director
    Sold
    Date
    10 September 2026
    Shares
    3,247
    Price
    $79.46
    Value
    $258,007
  • Kruzinski Shari
    EVP, Chief Consumer Bk Officer
    Sold
    Date
    28 July 2026
    Shares
    3,500
    Price
    $81.74
    Value
    $286,090
  • LEVENSON RODGER
    President & CEO
    Sold
    under a preset trading plan
    Date
    10 June 2026
    Shares
    65,446
    Price
    $74.11
    Value
    $5m
  • BACCI ARTHUR J
    EVP, COO
    Sold
    Date
    9 February 2026
    Shares
    2,005
    Price
    $70.51
    Value
    $141,373
  • Wechsler James J
    EVP Chief Comm'l Banking Ofc
    Sold
    Date
    5 February 2026
    Shares
    450
    Price
    $69.90
    Value
    $31,455
  • Kruzinski Shari
    EVP, Chief Consumer Bk Officer
    Sold
    Date
    5 February 2026
    Shares
    1,000
    Price
    $70.10
    Value
    $70,100

From Form 4 filings: insiders must report trades in their own company's shares within two days.

Warning signs in its filings

Problems the company itself reported to the SEC, in its own words.

None of the warning signs we check for were found.

We look for five warning signs: doubt it can keep going, weak checks on its own accounts, a notice that its past accounts can't be relied on, a change of auditor, and one customer bringing in a big share of sales. We don't check lawsuits, investigations or debt yet.

We checked the auditor's report, internal controls, restatement notices, auditor changes and big customers in the 10-K filed 2 Mar 2026, plus the 10-Q filed 5 Aug 2026 and 5 later 8-Ks.

A 10-K is the yearly report every US company files with the SEC. An 8-K is a short notice of a big event.

What could go wrong

Cheap for a reason is the question the numbers cannot answer.

Whether the price already reflects the risks is what the deep dive is for.

What changed in the risks this year

Companies must list what could hurt them each year. These are the parts that changed since last year’s report.

  • Use of artificial intelligence by us and our third-party vendors or service providers could result in reputational or competitive harm, legal or regulatory liability and adverse impacts on our results of operations.

    Could happen
    The increased adoption of AI technologies in our products and services may result in new or enhanced governmental or regulatory scrutiny, litigation, confidentiality or security risks or other complications that could adversely affect our business, reputation or financial results. The regulatory landscape governing AI technologies is evolving rapidly, and various jurisdictions, including Europe and certain U.S. states, have proposed or already adopted laws governing the use, development and deployment of AI technologies. Changes in laws, regulations or enforcement practices may impose new compliance requirements, restrict certain AI applications or increase our regulatory obligations, which could negatively impact our business and results of operations.
    Read more

  • Use of artificial intelligence by us and our third-party vendors or service providers could result in reputational or competitive harm, legal or regulatory liability and adverse impacts on our results of operations.

    The use of AI applications, including large language models, has resulted in, and may in the future result in, cybersecurity vulnerabilities or incidents that implicate the personal information, intellectual property, proprietary data or other sensitive information of end users of such applications. Any such cybersecurity incidents related to our use of AI applications could adversely affect our reputation and results of operations. AI also presents emerging ethical issues, and if our use of AI becomes controversial, we may experience brand or reputational harm, competitive harm, regulatory scrutiny or legal liability.
    Read more

  • Use of artificial intelligence by us and our third-party vendors or service providers could result in reputational or competitive harm, legal or regulatory liability and adverse impacts on our results of operations.

    Could happen
    We have incorporated, and expect to continue to incorporate in the future, artificial intelligence (“AI”) solutions into our operations, and the use of AI involves various risks and challenges that could adversely affect our business, financial condition or results of operations. In addition, we expect our third-party vendors and service providers to increasingly develop and incorporate AI into their product offerings. The use, development and deployment of AI systems or the AI systems of third-party AI vendors involve inherent technical complexities and uncertainties, and these AI systems may encounter unexpected technical difficulties, limitations or errors, including inaccuracies in data processing or flawed algorithms, which could compromise the reliability and effectiveness of our products and services based on AI. In addition, our competitors or other third parties may incorporate AI into their products more quickly or more successfully than us, which could impair our ability to compete effectively.
    Read more

Read it in the annual report

The deep dive

Everything above is arithmetic on public filings. The deep dive reads the last ten years of annual reports, the proxy statements, and the earnings calls, then argues the case the way Buffett, Klarman, and Hohn would, and checks every claim against the source.

  • What the business is worth, as a range, and the margin of safety at today’s price
  • Prices to start buying, buy, and buy hard
  • The three things that would make this a mistake
  • Every number footnoted to the filing it came from
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What a finished deep dive looks like

Not advice. Numbers on this page come from SEC filings and are updated each night; prices are updated again after the US market closes. The five-year figures are rounded.