WSFS Financial Corporation

WSFS Financial Corporation

WSFSยทNASDAQ

$69.69

-0.58%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$3.63B
EPS5.0900
P/E Ratio13.69
Earnings Date07/23/2026
3Y-54.0%
5Y+1353.0%
10Y+174.0%
3Y-191.0%
5Y-114.0%
10Y-145.0%
3Y-119.0%
5Y-90.0%
10Y-56.0%
WSFS

WSFS Financial Corporation Cash Conversion Engine

WSFS ยท NASDAQ
Net Income287.25M
Depreciation & Amortization37.64M
Stock-Based Compensation12.79M
Change in Working Capital-142.41M
Others19.02M
Capital Expenditures-6.39M
Free Cash Flow213.61M

Cash Flow Quality Analysis

FCF Conversion Rate

74.4%

Moderate conversion rate. Some gap between earnings and cash flow may warrant investigation into working capital or non-cash items.

CapEx Intensity

2.9%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+3.9%

Flat FCF growth. Stable but not expandingโ€”monitor for signs of business maturity or temporary headwinds.

Working Capital Impact

-$142.41M

Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extensionโ€”monitor closely.

Cash Flow Quality Insight

Working capital strain: Significant cash tied up in operations. Monitor receivables collection, inventory turns, and payment terms to optimize cash conversion cycle.

WSFS Financial Corporation Cash Flow Statement

WSFS โ€ข NASDAQ

WSFS Financial Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
287.2M
263.5M
269M
222.6M
271.6M
113.3M
147.9M
134.7M
50.2M
64.1M
53.5M
53.8M
46.9M
31.3M
22.7M
14.1M
663K
16.1M
29.6M
30.4M
37.6M
39.7M
48.6M
60.5M
37.8M
38.2M
49.8M
11.3M
11.6M
9.9M
8.2M
7.2M
7M
17.4M
11.1M
6.7M
7M
6.2M
4.9M
4.5M
5.7M
-8.2M
-5.4M
-4M
39.8M
-32.8M
7.1M
3.4M
17.9M
5.4M
2.2M
-5.7M
755K
3.6M
3M
-2.2M
-8.4M
0.0
0.0
0.0
12.8M
11.9M
9.6M
6.3M
5.7M
2.7M
3.6M
2.3M
3.4M
3M
4.1M
4.5M
3.6M
2M
1.8M
796K
874K
730K
0.0
0.0
19M
-46.1M
-35.6M
-20.3M
-164.2M
-87.1M
-130.7M
-1.4M
50M
3.2M
9.1M
14.6M
10.5M
42.5M
31.2M
38M
41.9M
22.5M
5.8M
3.7M
(75.2M)
(82.1M)
(99.1M)
(58.1M)
(40.7M)
(72.8M)
(33.8M)
(33.3M)
(31.4M)
(24.8M)
(23.4M)
(23.7M)
(21.9M)
(13.8M)
(3.2M)
(10.5M)
(2.6M)
(10.5M)
(0.0)
(0.0)
-142.4M
-40.9M
-49.2M
215.6M
-65.2M
-19.1M
12.2M
-14.7M
-3M
-5.4M
-3M
-6.6M
-11.3M
6.3M
6.5M
4.6M
-20.1M
822K
-7.6M
-6.3M
220M
219.9M
237M
480.9M
125.6M
15.1M
89.9M
135.6M
130.2M
80.2M
74.2M
67.9M
57.4M
103M
76.3M
62M
21.8M
46.4M
32.7M
32.4M
INVESTING ACTIVITIES
-6.4M
-14.3M
-6.4M
-8.8M
-6.6M
-7.2M
-14.2M
-5.5M
-7.7M
-9.9M
-8.4M
-4.7M
-2.9M
-8.1M
-10.5M
-5.7M
-6.8M
-5M
-9.2M
-10.8M
(2.4M)
(0.0)
-3M
(573.7M)
(0.0)
(0.0)
(76.1M)
(0.0)
(0.0)
(39.8M)
(40.9M)
(8.7M)
-4M
(0.0)
(0.0)
(40.3M)
(119K)
-12.2M
-680K
-466K
-203M
-67.4M
-27.7M
-1.3B
-3.5B
-1.5B
-958.3M
-500M
-706.7M
-375.3M
-329.7M
-288.2M
-335.6M
-941.4M
-621.1M
-393.2M
-444.1M
-132.7M
-72.2M
-68.4M
442.8M
411.7M
445.7M
1.1B
736.8M
1B
904.1M
135.1M
656M
289.7M
299M
313.1M
364.9M
910.2M
525.6M
371.4M
285.6M
101.5M
121.9M
182.6M
-110.9M
-396.8M
-734.9M
-445.2M
1.3B
-431.7M
286.1M
10.5M
-330.4M
-220.9M
-277.6M
-55.4M
-194.9M
-76M
-172.8M
-28.6M
-83.7M
-239.9M
-211M
-240.8M
(124.9M)
-66.7M
-326.3M
-137.4M
-1.5B
-874.9M
(293.8M)
-359.9M
-388.8M
-276.6M
-275.8M
-26.6M
-172.5M
-115.3M
-280.8M
-15.7M
-248.9M
-288.3M
-171.1M
-137.8M
FINANCING ACTIVITIES
-293.5M
-95.8M
-51.3M
-196.9M
-11.7M
-153.8M
-89.4M
-19.9M
-8.3M
-12.4M
-28.5M
927K
4.4M
2.5M
1.1M
48.8M
26M
-1.7M
-33.5M
-3.2M
-71M
-514M
185M
350M
-106.6M
41.7M
-215.8M
-381.5M
-199.6M
272.2M
263.7M
-259.6M
256.7M
-138M
49.7M
-124.2M
-172.8M
-82.3M
115.9M
-234.4M
-37.2M
-35.8M
-36.7M
-35.7M
-24.2M
-24.4M
-22.5M
-13.2M
-9.4M
-7.6M
-6M
-4.6M
-6M
-6.8M
-6.7M
-6.2M
-5.2M
-2.8M
-2.4M
-2.1M
-290.3M
-96.3M
-54.6M
-200.1M
-13.3M
-155.8M
-97.2M
-31.2M
-11.8M
-14.3M
-31.7M
-2.7M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-3.6M
-36.2M
(0.0)
601.2M
554.4M
248M
-1.2B
1.4B
2.1B
-105M
536M
381.3M
206.9M
25.6M
245.7M
-103.8M
187.4M
251.6M
90.4M
399.6M
309.8M
84.1M
353M
199.5M
-91.2M
344.9M
-1B
1.2B
1.9B
-432.7M
121.2M
160.6M
457.2M
255.7M
-17.7M
98.6M
45.1M
295.7M
8.7M
300.2M
223M
164.1M
113.2M
CASH FLOW SUMMARY
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1K
544.3M
61.9M
255.6M
-695.7M
-121.8M
1.1B
-49M
-103.1M
-98.1M
260.7M
53.1M
23.6M
-16.5M
32.9M
91.3M
55M
73.2M
-19M
25.7M
7.9M
1.2B
1.1B
837.3M
1.5B
1.7B
571.8M
620.8M
723.9M
821.9M
561.2M
508M
484.4M
500.9M
468M
376.8M
321.7M
248.6M
267.5M
241.8M
234M
1.7B
1.2B
1.1B
837.3M
1.5B
1.7B
571.8M
620.8M
723.9M
821.9M
561.2M
508M
484.4M
500.9M
468M
376.8M
321.7M
248.6M
267.5M
241.8M
213.6M
205.6M
230.6M
472M
119.1M
8M
75.7M
130.1M
122.4M
70.3M
65.8M
63.1M
54.5M
94.9M
65.9M
56.2M
15M
41.4M
23.5M
21.7M

SEC Filings

WSFS - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 19, 2026
May 14, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 04, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 02, 2026
May 14, 2026
2026
8-K

8-K 2026

N/A

March 11, 2026
March 11, 2026
2026
10-K

10-K 2025 FY

FY

March 02, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 26, 2026
January 26, 2026
2026
8-K

8-K 2025

N/A

December 11, 2025
December 09, 2025
2025
8-K

8-K 2025

N/A

December 09, 2025
December 09, 2025
2025
8-K

8-K 2025

N/A

December 04, 2025
December 04, 2025
2025
Showing 1 to 10 of 494 filings