Wsfs Financial Corp - Understand $wsfs stock

$WSFS Market Cap: $3.08 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$778.0M

TTM

Gross Margin

Net Earnings

$273.1M

TTM

Current Assets

Current Liabilities

$1.120B

Q2 2024

Current Ratio

Total Assets

$20.74B

Q2 2024

Total Liabilities

$18.25B

Q2 2024

Book Value

$2.490B

Q2 2024

Cash

$1.022B

Q2 2024

P/E

11.28

Sep 13, 2024 EST

Free Cash Flow

$260.6M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Revenue	$976.5M	$963.9M	$641.8M	$715.4M	$709.2M	$455.5M	$379.4M	$321.6M	$272.8M	$238.6M	$227.1M	$237.0M	$241.1M	$212.5M	$157.7M
YoY Change	1.3%	50.18%	-10.28%	0.88%	55.69%	20.07%	17.95%	17.89%	14.34%	5.08%	-4.18%	-1.7%	13.44%	34.74%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue	$976.5M	$963.9M	$641.8M	$715.4M	$709.2M	$455.5M	$379.4M	$321.6M	$272.8M	$238.6M	$227.1M	$237.0M	$241.1M	$212.5M	$157.7M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$33.03M	$42.55M	$26.00M	$25.90M	$27.00M	$11.20M	$11.70M	$9.900M	$8.100M	$7.300M	$17.30M	$17.40M	$11.10M	$6.700M	$7.000M	$6.200M	$4.900M	$4.500M	$5.400M	$6.000M	$11.60M	$8.900M	$5.000M	$2.400M	$2.700M	$1.800M	-$900.0K	-$400.0K	-$1.300M	$1.400M	$1.000M	$1.000M	$1.700M	$5.300M	$7.100M	$4.000M
YoY Change	-22.37%	63.67%	0.39%	-4.07%	141.07%	-4.27%	18.18%	22.22%	10.96%	-57.8%	-0.57%	56.76%	65.67%	-4.29%	12.9%	26.53%	8.89%	-16.67%	-10.0%	-48.28%	30.34%	78.0%	108.33%	-11.11%	50.0%	-300.0%	125.0%	-69.23%	-192.86%	40.0%	0.0%	-41.18%	-67.92%	-25.35%	77.5%
% of Gross Profit
Operating Expenses		$663.3M	$284.1M	$570.5M	$514.8M	$284.7M	$270.9M	$224.5M	$189.0M	$166.1M	$154.3M
YoY Change		133.45%	-50.19%	10.81%	80.82%	5.11%	20.67%	18.76%	13.83%	7.65%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Interest Expense	$251.4M	$40.93M	$22.72M	$48.45M	$76.14M	$46.50M	$33.46M	$22.83M	$15.78M	$15.83M	$15.33M	$23.29M	$32.61M	$41.73M	$53.09M
YoY Change	514.34%	80.13%	-53.11%	-36.37%	63.75%	38.99%	46.52%	44.73%	-0.34%	3.23%	-34.15%	-28.58%	-21.87%	-21.39%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Pretax Income	$365.3M	$300.6M	$357.7M	$145.0M	$194.4M	$170.8M	$108.5M	$97.15M	$83.81M	$72.56M	$72.81M	$48.29M	$34.15M	$19.57M	-$1.430M	$23.10M	$43.10M	$46.10M	$42.70M	$39.70M	$32.20M	$131.5M	$26.30M	$28.20M	$17.20M	$22.40M	$23.00M	$19.50M	$25.70M	$7.100M	$4.700M	$3.800M	$11.70M	-$86.50M	-$5.700M	$6.900M
YoY Change	21.51%	-15.96%	146.76%	-25.42%	13.8%	57.43%	11.67%	15.93%	15.5%	-0.35%	50.77%	41.41%	74.5%	-1468.6%	-106.19%	-46.4%	-6.51%	7.96%	7.56%	23.29%	-75.51%	400.0%	-6.74%	63.95%	-23.21%	-2.61%	17.95%	-24.12%	261.97%	51.06%	23.68%	-67.52%	-113.53%	1417.54%	-182.61%	-23.33%
Income Tax	$96.25M	$77.96M	$86.10M	$31.64M	$46.45M	$36.06M	$58.25M	$33.07M	$30.27M	$18.80M	$25.93M	$16.98M	$11.48M	$5.500M	-$2.100M	$7.000M	$13.50M	$15.70M	$14.80M	$14.00M	$11.00M	$44.20M	$8.600M	$8.500M	$100.0K	$5.600M	$6.600M	$3.200M	-$1.300M	-$1.000M	-$1.700M	-$1.000M	$4.500M	-$900.0K	$100.0K	$2.600M
% Of Pretax Income	26.35%	25.93%	24.07%	21.82%	23.9%	21.11%	53.69%	34.04%	36.12%	25.91%	35.61%	35.17%	33.6%	28.1%		30.3%	31.32%	34.06%	34.66%	35.26%	34.16%	33.61%	32.7%	30.14%	0.58%	25.0%	28.7%	16.41%	-5.06%	-14.08%	-36.17%	-26.32%	38.46%			37.68%
Net Earnings	$269.2M	$222.4M	$271.4M	$114.8M	$148.8M	$134.7M	$50.24M	$64.08M	$53.53M	$53.76M	$46.88M	$31.31M	$22.68M	$14.12M	$663.0K	$16.10M	$29.60M	$30.40M	$27.90M	$25.90M	$63.00M	$101.1M	$17.10M	$11.00M	$19.70M	$16.50M	$16.40M	$16.40M	$27.00M	$8.100M	$6.400M	$4.800M	$11.30M	-$85.50M	-$5.800M	$6.000M
YoY Change	21.04%	-18.08%	136.5%	-22.87%	10.44%	168.18%	-21.59%	19.7%	-0.42%	14.66%	49.73%	38.07%	60.64%	2029.26%	-95.88%	-45.61%	-2.63%	8.96%	7.72%	-58.89%	-37.69%	491.23%	55.45%	-44.16%	19.39%	0.61%	0.0%	-39.26%	233.33%	26.56%	33.33%	-57.52%	-113.22%	1374.14%	-196.67%	-25.0%
Net Earnings / Revenue	27.56%	23.07%	42.29%	16.04%	20.98%	29.58%	13.24%	19.92%	19.62%	22.53%	20.65%	13.21%	9.41%	6.64%	0.42%
Basic Earnings Per Share	$4.40	$3.50	$5.71	$2.27	$3.02	$4.27	$1.60	$2.12	$1.88	$1.98	$1.71	$3.28	$2.31	$1.48	-$0.30
Diluted Earnings Per Share	$4.40	$3.493M	$5.69	$2.27	$3.00	$4.19	$1.56	$2.06	$1.85	$1.93	$1.69	$3.25	$2.28	$1.46	-$0.30	$851.9K	$1.518M	$1.469M	$1.298M	$1.136M	$2.551M	$3.572M	$589.7K	$343.8K	$576.0K	$440.0K	$430.4K	$388.6K	$613.6K	$184.9K	$146.1K	$115.9K	$273.6K	-$2.085M	-$141.8K	$148.1K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$235.1M	$253.8M	$231.0M	$248.0M	$271.0M	$45.00M	$48.00M	$49.00M	$40.00M	$35.00M	$35.00M	$38.00M	$36.00M	$32.00M	$36.00M	$35.00M	$35.00M	$30.00M	$23.00M	$23.00M	$13.00M	$14.00M	$16.00M	$17.00M	$14.00M	$212.0M	$181.0M	$6.000M	$6.000M	$8.000M	$67.00M	$58.00M	$66.00M	$107.0M	$72.00M	$64.00M
YoY Change	-7.37%	9.86%	-6.85%	-8.49%	502.22%	-6.25%	-2.04%	22.5%	14.29%	0.0%	-7.89%	5.56%	12.5%	-11.11%	2.86%	0.0%	16.67%	30.43%	0.0%	76.92%	-7.14%	-12.5%	-5.88%	21.43%	-93.4%	17.13%	2916.67%	0.0%	-25.0%	-88.06%	15.52%	-12.12%	-38.32%	48.61%	12.5%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets																			$0.00	$1.000M	$9.000M	$47.00M	$115.0M	$200.0M	$241.0M
YoY Change																			-100.0%	-88.89%	-80.85%	-59.13%	-42.5%	-17.01%
Total Long-Term Assets
YoY Change
Total Assets	$20.59B	$19.91B	$15.78B	$14.33B	$12.26B	$7.249B	$7.000B	$6.765B	$5.585B	$4.853B	$4.516B	$4.375B	$4.289B	$3.954B	$3.749B	$3.433B	$3.200B	$2.997B	$2.847B	$2.503B	$2.207B	$1.705B	$1.914B	$1.739B	$1.751B	$1.636B	$1.515B	$1.358B	$1.219B	$1.196B	$995.0M	$1.010B	$1.147B	$1.513B	$1.434B	$1.349B
YoY Change
Accounts Payable	$46.68M	$5.174M	$1.000M	$1.000M	$3.000M	$2.000M	$1.000M	$1.000M	$1.000M	$1.000M	$1.000M	$1.000M	$2.000M	$3.000M	$30.00M	$27.00M	$27.00M	$26.00M	$23.00M	$17.00M	$15.00M	$37.00M	$17.00M	$21.00M	$17.00M	$19.00M	$17.00M	$18.00M	$21.00M	$13.00M	$10.00M	$8.000M	$15.00M	$22.00M	$20.00M	$7.000M
YoY Change	802.28%	417.4%	0.0%	-66.67%	50.0%	100.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-50.0%	-33.33%	-90.0%	11.11%	0.0%	3.85%	13.04%	35.29%	13.33%	-59.46%	117.65%	-19.05%	23.53%	-10.53%	11.76%	-5.56%	-14.29%	61.54%	30.0%	25.0%	-46.67%	-31.82%	10.0%	185.71%
Accrued Expenses	$151.6M	$158.3M	$160.0M	$166.0M	$182.0M
YoY Change	-4.22%	-1.08%	-3.61%	-8.79%
Deferred Revenue
YoY Change
Short-Term Debt	$586.0M			$0.00	$195.0M	$158.0M	$28.00M	$130.0M	$128.0M	$128.0M	$97.00M	$110.0M	$118.0M	$192.0M	$175.0M	$184.0M	$170.0M	$152.0M	$119.0M	$166.0M	$188.0M	$63.00M	$75.00M	$93.00M	$157.0M	$162.0M	$216.0M	$490.0M	$371.0M	$295.0M	$108.0M	$100.0M	$117.0M	$279.0M	$223.0M	$181.0M
YoY Change				-100.0%	23.42%	464.29%	-78.46%	1.56%	0.0%	31.96%	-11.82%	-6.78%	-38.54%	9.71%	-4.89%	8.24%	11.84%	27.73%	-28.31%	-11.7%	198.41%	-16.0%	-19.35%	-40.76%	-3.09%	-25.0%	-55.92%	32.08%	25.76%	173.15%	8.0%	-14.53%	-58.06%	25.11%	23.2%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$198.3M	$163.4M	$161.0M	$167.0M	$185.0M	$2.000M	$1.000M	$1.000M	$1.000M	$1.000M	$1.000M	$1.000M	$2.000M	$3.000M	$30.00M	$27.00M	$27.00M	$26.00M	$23.00M	$17.00M	$15.00M	$37.00M	$17.00M	$21.00M	$17.00M	$19.00M	$17.00M	$18.00M	$21.00M	$13.00M	$10.00M	$8.000M	$15.00M	$22.00M	$20.00M	$7.000M
YoY Change	21.31%	1.52%	-3.59%	-9.73%	9150.0%	100.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-50.0%	-33.33%	-90.0%	11.11%	0.0%	3.85%	13.04%	35.29%	13.33%	-59.46%	117.65%	-19.05%	23.53%	-10.53%	11.76%	-5.56%	-14.29%	61.54%	30.0%	25.0%	-46.67%	-31.82%	10.0%	185.71%
Long-Term Debt	$895.1M	$376.9M	$239.0M	$334.0M	$182.0M	$213.0M	$200.0M	$283.0M	$135.0M	$134.0M	$169.0M	$151.0M	$67.00M	$67.00M	$67.00M	$67.00M	$67.00M	$67.00M	$67.00M	$52.00M	$50.00M	$50.00M	$50.00M	$50.00M	$50.00M	$50.00M	$29.00M	$29.00M	$30.00M	$32.00M	$32.00M	$10.00M	$12.00M	$14.00M	$18.00M	$23.00M
YoY Change	137.49%	57.7%	-28.44%	83.52%	-14.55%	6.5%	-29.33%	109.63%	0.75%	-20.71%	11.92%	125.37%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	28.85%	4.0%	0.0%	0.0%	0.0%	0.0%	0.0%	72.41%	0.0%	-3.33%	-6.25%	0.0%	220.0%	-16.67%	-14.29%	-22.22%	-21.74%
Other Long-Term Liabilities	$755.7M	$782.4M	$201.0M	$179.0M	$146.0M	$86.00M	$89.00M	$71.00M	$54.00M	$46.00M	$41.00M	$41.00M	$36.00M	$24.00M							$0.00	$58.00M	$0.00
YoY Change	-3.41%	289.26%	12.29%	22.6%	69.77%	-3.37%	25.35%	31.48%	17.39%	12.2%	0.0%	13.89%	50.0%								-100.0%
Total Long-Term Liabilities	$1.651B	$1.159B	$440.0M	$513.0M	$328.0M	$299.0M	$289.0M	$354.0M	$189.0M	$180.0M	$210.0M	$192.0M	$103.0M	$91.00M	$67.00M	$67.00M	$67.00M	$67.00M	$67.00M	$52.00M	$50.00M	$108.0M	$50.00M	$50.00M	$50.00M	$50.00M	$29.00M	$29.00M	$30.00M	$32.00M	$32.00M	$10.00M	$12.00M	$14.00M	$18.00M	$23.00M
YoY Change	42.39%	163.48%	-14.23%	56.4%	9.7%	3.46%	-18.36%	87.3%	5.0%	-14.29%	9.38%	86.41%	13.19%	35.82%	0.0%	0.0%	0.0%	0.0%	28.85%	4.0%	-53.7%	116.0%	0.0%	0.0%	0.0%	72.41%	0.0%	-3.33%	-6.25%	0.0%	220.0%	-16.67%	-14.29%	-22.22%	-21.74%
Total Liabilities	$18.12B	$17.71B	$13.84B	$12.54B	$10.41B	$6.428B	$6.275B	$6.078B	$5.004B	$4.364B	$4.133B	$3.954B	$3.897B	$3.586B	$3.447B	$3.216B	$2.989B	$2.785B	$2.665B	$2.307B	$2.019B	$1.522B	$1.814B	$1.642B	$1.655B	$1.550B	$1.428B	$1.282B	$1.145B	$1.150B	$956.0M	$978.0M	$1.131B	$1.509B	$1.344B	$1.252B
YoY Change	2.3%	27.98%	10.33%	20.53%	61.89%	2.44%	3.24%	21.46%	14.67%	5.59%	4.53%	1.46%	8.67%	4.03%	7.18%	7.59%	7.32%	4.5%	15.52%	14.26%	32.65%	-16.1%	10.48%	-0.79%	6.77%	8.54%	11.39%	11.97%	-0.43%	20.29%	-2.25%	-13.53%	-25.05%	12.28%	7.35%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	61.11M shares	63.45M shares	47.54M shares	50.51M shares	49.30M shares	31.57M shares	31.42M shares	30.28M shares	28.44M shares	27.22M shares	26.45M shares	8.712M shares	8.606M shares	7.655M shares
Diluted Shares Outstanding	61.22M shares	63.66M shares	47.70M shares	50.55M shares	49.55M shares	32.17M shares	32.30M shares	31.09M shares	28.94M shares	27.91M shares	26.83M shares	8.790M shares	8.717M shares	7.786M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Dividends

Stock Price

Market Cap: $3.0802 Billion

About WSFS Financial Corp

WSFS Financial Corp. is a savings and loan holding company, which engages in the provision of banking and financial services. The company is headquartered in Wilmington, Delaware and currently employs 2,229 full-time employees. The firm operates through its subsidiary, Wilmington Savings Fund Society, FSB (the Bank). The Company’s segments include WSFS Bank, Cash Connect and Wealth Management. The WSFS Bank segment provides loans and leases, deposits and other financial products to commercial and consumer customers. WSFS Bank also offers a variety of consumer loan products, retail securities and insurance brokerage services through its branches, and mortgage and title services through WSFS Mortgage. Its Cash Connect segment provides ATM vault cash, smart safe and cash logistics services in the United States, servicing non-bank ATMs and smart safes nationwide and supporting ATMs for WSFS Bank Customers. The Wealth Management segment provides a range of planning and advisory services, investment management, personal and institutional trust services, and credit and deposit products to individual, corporate, and institutional clients.

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