US · WSFS
WSFS Financial Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Wilmington, DE 19801
- Website
- wsfsbank.com
Price · as of 2025-12-31
$72.13
Market cap 3.47B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $47.73 | -33.83% |
| Intrinsic Value(DCF) | $54.07 | -25.04% |
| Graham-Dodd Method(GD) | $58.76 | -18.53% |
| Graham Formula(GF) | $27.80 | -61.45% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $10.60 | $55.68 | $8.09 | $14.59 | $10.17 |
| 2012 | $14.09 | $54.55 | $25.87 | $17.00 | $18.55 |
| 2013 | $21.36 | $73.68 | $22.56 | $18.56 | $11.93 |
| 2014 | $22.66 | $60.09 | $21.32 | $22.67 | $22.79 |
| 2015 | $28.95 | $61.77 | $19.76 | $22.61 | $41.46 |
| 2016 | $40.56 | $71.20 | $21.11 | $23.12 | $51.35 |
| 2017 | $45.91 | $51.47 | $24.76 | $21.27 | $39.62 |
| 2018 | $38.39 | $58.97 | $77.75 | $35.79 | $117.17 |
| 2019 | $31.42 | $60.72 | $520.34 | $34.61 | $178.59 |
| 2020 | $49.41 | $33.39 | $54.82 | $31.98 | $19.54 |
| 2021 | $48.51 | $27.68 | $40.61 | $51.74 | $0.00 |
| 2022 | $41.32 | $42.72 | $41.97 | $30.79 | $201.96 |
| 2023 | $42.67 | $42.09 | $136.28 | $39.05 | $168.10 |
| 2024 | $51.83 | $34.32 | $214.31 | $42.37 | $82.98 |
| 2025 | $64.97 | $47.73 | $46.62 | $58.76 | $27.80 |
AI valuation
Our deep-learning model estimates WSFS Financial Corporation's (WSFS) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $47.73
- Current price
- $72.13
- AI upside
- -33.83%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$54.07
-25.04% upside
Graham-Dodd
$58.76
-18.53% upside
Graham Formula
$27.80
-61.45% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| WSFS | WSFS Financial Corporatio… | $72.13 | 3.47B | -34% | -25% | -19% | -61% | 12.29 | 1.29 | 2.60 | 6.07 | 79.72 | 2.01 | 74.70% | 28.01% | 21.14% | 10.81% | 16.54% | 1.36% | 0.11 | 1.30 | 0.08 | 0.08 | -2.51 | 1542.00% | -305.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 7.19% | 6.50 | — | 1.82 | -0.68 |
| BKU | BankUnited, Inc. | $46.70 | 3.51B | +37% | -31% | -17% | +3% | 13.40 | 1.18 | 1.68 | 13.36 | 89.69 | 1.21 | 49.49% | 16.68% | 12.53% | 9.15% | 4.95% | 0.76% | 0.61 | 0.44 | 0.83 | 0.83 | 4.21 | 1494.00% | 584.00% | 589.00% | 12.78% | 0.02 | 8.61% | 2.56% | 34.20% | 45.27% | 14.70 | 11.43 | 2.45 | 0.11 |
| CATY | Cathay General Bancorp | $49.71 | 3.38B | -34% | -18% | -32% | +12% | 10.94 | 1.10 | 2.25 | 4.92 | — | 1.27 | 49.78% | 22.83% | 20.56% | 10.25% | 24.08% | 1.24% | 0.08 | 0.48 | 0.09 | 0.09 | 0.21 | -1872.00% | 611.00% | -1464.00% | 10.41% | 0.02 | 27.40% | 3.13% | 34.30% | 20.72% | 5.18 | 5.05 | 1.18 | -0.57 |
| CBU | Community Bank System, In… | $60.55 | 3.19B | -56% | -32% | -53% | -57% | 16.24 | 1.70 | 3.68 | 12.95 | 103.47 | 3.21 | 73.43% | 31.40% | 22.66% | 11.17% | 9.01% | 1.25% | 0.34 | 1.51 | 0.08 | 0.00 | 2.17 | 1570.00% | -128.00% | 3623.00% | 8.83% | 0.08 | 12.20% | 2.85% | 46.40% | 6.60% | 14.09 | 13.61 | 4.42 | -0.01 |
| FBK | FB Financial Corporation | $54.69 | 2.92B | -5% | +35% | -24% | -7% | 23.72 | 1.49 | 3.31 | 4.17 | — | 1.86 | 58.86% | 15.78% | 13.97% | 6.98% | -93.31% | 0.83% | 0.17 | 0.44 | 36.81 | 36.81 | -5.45 | -323.00% | 1448.00% | 1785.00% | 5.36% | 2.19 | -118.59% | 0.00% | 0.00% | 5.22% | 4.53 | 4.03 | 0.72 | 0.46 |
| FBP | First BanCorp. | $21.13 | 3.34B | +147% | +21% | -56% | +21% | 9.92 | 1.78 | 2.49 | -5.28 | 169.70 | 1.83 | 70.74% | 32.80% | 25.04% | 18.87% | -8.27% | 1.56% | 0.34 | 1.36 | 0.34 | 0.34 | -1.43 | 585.00% | 616.00% | 1580.00% | 13.30% | 0.02 | -10.91% | 3.56% | 35.30% | 27.14% | -5.62 | -5.58 | -1.84 | -0.33 |
| FHB | First Hawaiian, Inc. | $24.76 | 3.06B | +54% | -6% | +2% | 0% | 11.35 | 1.13 | 2.68 | 8.21 | 49.56 | 1.77 | 100.00% | 30.32% | 23.65% | 10.26% | 13.06% | 1.16% | 0.00 | — | 0.03 | 0.03 | -0.65 | 2291.00% | 321.00% | -1918.00% | 7.44% | 0.02 | 11.03% | 0.00% | 0.00% | 0.00% | 8.21 | 12.46 | 2.49 | -0.28 |
| FULT | Fulton Financial Corporat… | $20.45 | 3.68B | +85% | -6% | -11% | +35% | 9.78 | 1.10 | 2.02 | 7.45 | 30.10 | 1.33 | 67.42% | 25.68% | 20.71% | 11.71% | 15.02% | 1.22% | 0.37 | 0.84 | 0.05 | 0.05 | 1.94 | 3248.00% | 503.00% | -2400.00% | 7.43% | 0.01 | 10.91% | 3.69% | 36.10% | 5.41% | 8.12 | 13.87 | 2.09 | -0.76 |
| TBBK | The Bancorp, Inc. | $52.49 | 2.42B | -12% | -12% | -24% | -48% | 10.86 | 3.59 | 3.59 | 4.03 | 73.93 | 3.59 | 74.26% | 43.89% | 33.05% | 30.85% | -166.02% | 2.52% | 0.61 | — | 8.66 | 8.66 | 1.37 | 1469.00% | -277.00% | 1583.00% | 10.41% | 1.33 | -187.63% | 0.00% | 0.00% | 15.27% | 4.03 | 4.73 | 1.77 | 0.55 |
| WSBC | WesBanco, Inc. | $34.87 | 3.35B | -13% | +150% | -55% | +55% | 12.87 | 0.70 | 2.06 | 13.18 | — | 1.17 | 61.31% | 19.53% | 15.99% | 5.69% | 6.11% | 0.83% | 0.53 | 0.53 | 0.06 | 0.06 | 4.51 | -996.00% | 1488.00% | 3668.00% | 10.29% | 0.01 | 8.09% | 5.00% | 64.40% | 17.12% | 14.26 | 13.16 | 2.79 | -0.62 |
About WSFS Financial Corporation
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 individuals, businesses, and municipalities. The company also provides a range of loans, which comprise fixed and adjustable rate residential loans; commercial real estate mortgage loans; commercial construction loans to developers; commercial loans for working capital, financing equipment and real estate acquisitions, business expansion, and other business purposes; and consumer credit products, such as home improvement, automobile, and other secured and unsecured personal installment loans, as well as home equity lines and unsecured lines of credit, and government-insured reverse mortgages. In addition, it offers various third-party investment and insurance products, such as single-premium annuities, whole life policies, and securities; investment advisory services to high net worth individuals and institutions; mortgage and title services; and leases small equipment and fixed assets, as well as cash management, trust, and wealth management services. Further, the company provides ATM vault cash, smart safe, and other cash logistics services; and online reporting and ATM cash management, predictive cash ordering and reconcilement services, armored carrier management, loss protection, ATM processing equipment sales, and deposit safe cash logistics services. As of December 31, 2020, it operated 112 offices, including 52 in Pennsylvania, 42 in Delaware, 16 in New Jersey, 1 in Virginia, and 1 in Nevada. The company was founded in 1832 and is headquartered in Wilmington, Delaware.
- CEO
- Rodger Levenson
- Employees
- 2.34K
- Beta
- 0.76
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($54.07 ÷ $72.13) − 1 = -25.04% (DCF, example).