Financial Snapshot

Revenue
$800.2M
TTM
Gross Margin
Net Earnings
$263.4M
TTM
Current Assets
Current Liabilities
$1.032B
Q3 2024
Current Ratio
Total Assets
$20.91B
Q3 2024
Total Liabilities
$18.23B
Q3 2024
Book Value
$2.678B
Q3 2024
Cash
Q3 2024
P/E
13.44
Nov 29, 2024 EST
Free Cash Flow
$96.06M
TTM

Revenues

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

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

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
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

Operating Profits/Loss

No data

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 %

No data

Other Expense/Income

No data

Interest & Other Expense/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
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

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

No data

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

No data

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

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

Stock Price

Market Cap: $3.5403 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.

Industry: National Commercial Banks Peers: RADIAN GROUP INC Columbia Financial, Inc. Enact Holdings, Inc. MGIC INVESTMENT CORP Mr. Cooper Group Inc. FLAGSTAR FINANCIAL, INC. PennyMac Financial Services, Inc. Rocket Companies, Inc. TFS Financial CORP Walker & Dunlop, Inc.