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Upturn AI SWOT - About
WSFS 
WSFS Financial Corporation (WSFS)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: WSFS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $64.5
1 Year Target Price $64.5
| 2 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -21.29% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.13B USD | Price to earnings Ratio 12.27 | 1Y Target Price 64.5 |
Price to earnings Ratio 12.27 | 1Y Target Price 64.5 | ||
Volume (30-day avg) 5 | Beta 0.88 | 52 Weeks Range 42.17 - 62.20 | Updated Date 08/15/2025 |
52 Weeks Range 42.17 - 62.20 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.10% | Basic EPS (TTM) 4.56 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-24 | When After Market | Estimate 1.13 | Actual 1.27 |
Profitability
Profit Margin 26.78% | Operating Margin (TTM) 39.08% |
Management Effectiveness
Return on Assets (TTM) 1.29% | Return on Equity (TTM) 10.35% |
Valuation
Trailing PE 12.27 | Forward PE 12.02 | Enterprise Value 2215453952 | Price to Sales(TTM) 3.14 |
Enterprise Value 2215453952 | Price to Sales(TTM) 3.14 | ||
Enterprise Value to Revenue 3.26 | Enterprise Value to EBITDA - | Shares Outstanding 55969100 | Shares Floating 55290794 |
Shares Outstanding 55969100 | Shares Floating 55290794 | ||
Percent Insiders 1.27 | Percent Institutions 95.05 |
Upturn AI SWOT
WSFS Financial Corporation
Company Overview
History and Background
WSFS Financial Corporation was founded in 1832 as Wilmington Savings Fund Society, a mutual savings bank. It has evolved from a traditional savings bank to a diversified financial services company through organic growth and strategic acquisitions, particularly expanding its footprint in the Mid-Atlantic region.
Core Business Areas
- Banking: Provides a full range of commercial and retail banking services, including deposit accounts, loans, and cash management services.
- Wealth Management: Offers investment management, trust, and financial planning services to individuals, families, and institutions.
- Insurance: Provides insurance products and services through its insurance subsidiaries.
Leadership and Structure
The leadership team is headed by Rodger Levenson, Chairman, President & CEO. The organizational structure includes various business lines and support functions reporting to the executive management team, governed by a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing solutions for businesses, including term loans, lines of credit, and commercial real estate loans. Market share data is not publicly available on a product level. Competitors include regional and national banks like PNC, M&T Bank, and Bank of America.
- Mortgage Loans: Offers residential mortgage loans to individuals. Market share data is not publicly available on a product level. Competitors include Rocket Mortgage, Wells Fargo, and local credit unions.
- Wealth Management Services: Investment advisory, financial planning, trust and estate services. Market share data is not publicly available. Competitors include Vanguard, Fidelity, and Charles Schwab.
Market Dynamics
Industry Overview
The banking industry is characterized by increasing regulatory scrutiny, technological disruption, and low interest rate environment. Consolidation is an ongoing trend with regional banks looking to increase market share.
Positioning
WSFS is a regional bank focused on the Mid-Atlantic region, primarily serving Delaware, Pennsylvania, New Jersey, and Virginia. Its competitive advantages include strong local market presence and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the Mid-Atlantic region is estimated at hundreds of billions of dollars. WSFS is positioned to capture a portion of this market through organic growth and strategic acquisitions. Exact estimation for TAM not available from public data.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Diversified revenue streams
- Solid capital position
- Experienced management team
Weaknesses
- Limited geographic reach compared to national banks
- Higher cost structure compared to some competitors
- Reliance on regional economic conditions
- Smaller balance sheet compared to larger national banks
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Strategic acquisitions to enhance market share
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Cybersecurity threats
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- MTB
- USB
- KEY
- CFG
Competitive Landscape
WSFS competes with larger national and regional banks, as well as smaller community banks and credit unions. WSFS's advantages include its strong local market presence and customer relationships. Its disadvantages include its smaller size and limited geographic reach.
Major Acquisitions
Beneficial Bancorp
- Year: 2019
- Acquisition Price (USD millions): 1500
- Strategic Rationale: Expanded WSFS's market share in the Philadelphia metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic growth and strategic acquisitions.
Future Projections: Future growth is projected to be driven by continued expansion in the Mid-Atlantic region and increased adoption of digital banking technologies. Analyst estimations vary.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new geographic markets.
Summary
WSFS Financial Corporation is a regional bank with a strong presence in the Mid-Atlantic region. While it benefits from established customer relationships and diversified services, it faces competition from larger national banks and fintech companies. Its future growth depends on expanding its geographic reach, embracing digital transformation, and managing regulatory changes effectively. Overall, WSFS appears to be stable.
Peer Comparison
Sources and Disclaimers
Data Sources:
- WSFS Financial Corporation Investor Relations
- SEC Filings
- Company Website
- Yahoo Finance
- SeekingAlpha
- FDIC Data
- Third party reports from market research companies
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Market share data is based on estimations. Financial data is subject to change. Consult a financial professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About WSFS Financial Corporation
Exchange NASDAQ | Headquaters Wilmington, DE, United States | ||
IPO Launch date 1990-03-26 | Chairman, President & CEO Mr. Rodger Levenson | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2375 | Website https://www.wsfsbank.com |
Full time employees 2375 | Website https://www.wsfsbank.com | ||
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 WSFS Bank, Cash Connect, and Wealth Management segments. 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 various loans, which comprise fixed and adjustable rate residential loans; commercial mortgage and commercial loans; commercial construction loans; commercial loans for working capital, financing equipment and real estate acquisitions, business expansion and other business purposes; and consumer credit products, such as home equity loans, home equity lines of credit, automobile loans, unsecured lines of credit, and other secured and unsecured personal installment loans. In addition, it offers insurance products; planning and advisory services, investment management, trust services, and credit and deposit products to individual, corporate and institutional clients; retail securities and insurance brokerage services; mortgage and title services; residential mortgage and refinancing solutions; and leases small equipment and fixed assets, as well as provides financial planning, customized investment strategies, brokerage products, fiduciary, 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, and deposit safe cash logistics services, as well as trustee, agency, bankruptcy administration, custodial and commercial domicile services. The company was founded in 1832 and is headquartered in Wilmington, Delaware.
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