WSFS Financial Corporation Common Stock (WSFS)

FairStock Score: 58/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a regional bank like WSFS first for durable profitability and a price that leaves room for error. WSFS earns money through deposits, loans, and fee businesses such as Cash Connect and Wealth and Trust, but banking is largely a commodity, so its moat is limited to local relationships, switching costs, and conservative underwriting. The filed numbers show FY2023 net income of $269.2M, FY2024 of $263.7M, and FY2025 of $287.3M, so earnings have been fairly steady, with FY2025 up about 8.9% from FY2024 after a slight dip. More recently, fiscal Q2 2026 net income was $84.4M and diluted EPS was $1.63, versus $72.3M and $1.27 in fiscal Q2 2025 — about 16.7% net income growth and 28.3% EPS growth. At the 2026-10-13 close of $75.57, FairStock calculates a P/E of 12.66, P/B of 1.43, ROE of 11.90%, PEG of 0.40, and Piotroski F-Score of 4/9. The P/E and P/B are not demanding, and the Lynch category is STALWART with 20.1% five-year profit growth. But ROE is only moderate, and the 4/9 Piotroski score suggests mixed fundamental momentum. I cannot assess CET1, net interest margin, net charge-offs, allowance for loan losses, efficiency ratio, or combined ratio because they are absent from the data. With beta of 0.83 and a 1.06% dividend yield, this is a steady-looking bank, not a bargain-bin special. I would want a larger discount to book or clearer credit metrics before calling it compelling.

In plain English: WSFS Financial is a regional bank holding company that takes deposits, makes loans, and runs cash-management and wealth/trust services. The business looks reasonably strong: it has stayed profitable and recent quarterly earnings rose from a year earlier. At the recent price, the shares look roughly fair to modestly cheap compared with profits and net worth, though banking risks are hard to judge from the available data.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer