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Upturn AI SWOT - About
WSFS 
WSFS Financial Corporation (WSFS)
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Upturn Advisory Summary
11/28/2025: WSFS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $63.5
1 Year Target Price $63.5
| 2 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -29.88% | Avg. Invested days 26 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.12B USD | Price to earnings Ratio 11.55 | 1Y Target Price 63.5 |
Price to earnings Ratio 11.55 | 1Y Target Price 63.5 | ||
Volume (30-day avg) 5 | Beta 0.83 | 52 Weeks Range 42.04 - 59.83 | Updated Date 11/30/2025 |
52 Weeks Range 42.04 - 59.83 | Updated Date 11/30/2025 | ||
Dividends yield (FY) 1.13% | Basic EPS (TTM) 4.83 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.58% | Operating Margin (TTM) 40.22% |
Management Effectiveness
Return on Assets (TTM) 1.34% | Return on Equity (TTM) 10.3% |
Valuation
Trailing PE 11.55 | Forward PE 10.33 | Enterprise Value 1840906752 | Price to Sales(TTM) 3.09 |
Enterprise Value 1840906752 | Price to Sales(TTM) 3.09 | ||
Enterprise Value to Revenue 3.13 | Enterprise Value to EBITDA - | Shares Outstanding 54675949 | Shares Floating 53965162 |
Shares Outstanding 54675949 | Shares Floating 53965162 | ||
Percent Insiders 1.3 | Percent Institutions 97.73 |
Upturn AI SWOT
WSFS Financial Corporation
Company Overview
History and Background
WSFS Financial Corporation, founded in 1832 as Wilmington Savings Fund Society, is one of the oldest financial institutions in the United States. It evolved from a savings bank to a diversified financial services company through organic growth and strategic acquisitions.
Core Business Areas
- Banking: Provides a range of banking products and services, including checking, savings, loans, and mortgages to individuals and businesses.
- Wealth Management: Offers wealth management, investment advisory, and trust services.
- Cash Connect: Operates a network of ATMs and provides cash management solutions to retailers and other businesses.
Leadership and Structure
The company is led by Rodger Levenson as Chairman, President, and CEO. The organizational structure includes various departments overseeing banking, wealth management, technology, and other corporate functions, all reporting to the executive leadership team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, expansion, and other purposes. Market share data not publicly available. Competitors include large national banks (e.g., JPM, BAC) and other regional banks.
- Mortgages: Residential mortgage loans for home purchase and refinance. Market share data not publicly available on a regional basis. Competitors include national mortgage lenders and other regional banks.
- Wealth Management Services: Investment advisory and wealth planning services. Market share data not publicly available on a regional basis. Competitors include major brokerage firms (e.g., SCHW, MS) and other wealth management firms.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, technological advancements, and economic cycles. Regional banks are facing increasing pressure from Fintech companies and large national banks.
Positioning
WSFS Financial Corporation is a leading regional bank in the Delaware Valley. Its competitive advantages include a strong local presence, long-standing customer relationships, and a diversified business model. It is positioned to take advantage of smaller local acquisitions.
Total Addressable Market (TAM)
The TAM for banking and financial services in the Delaware Valley is estimated to be in the billions of dollars. WSFS is positioned to capture a portion of this TAM through its banking, wealth management, and cash connect services.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified business model
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach compared to national banks
- Dependence on the Delaware Valley economy
- Higher operating costs than some larger competitors
Opportunities
- Further expansion through acquisitions
- Increased adoption of digital banking services
- Growth in wealth management business
- Increase interest rates which increase net interest margins.
Threats
- Increased competition from national banks and Fintech companies
- Economic downturn in the Delaware Valley
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- KEY
- CMA
Competitive Landscape
WSFS competes with larger national and regional banks, as well as smaller community banks and credit unions. Its advantages include local expertise and customer service.
Major Acquisitions
Beneficial Bancorp
- Year: 2019
- Acquisition Price (USD millions): 1500
- Strategic Rationale: Expanded WSFS's presence in the Philadelphia market and increased its scale.
Growth Trajectory and Initiatives
Historical Growth: WSFS has grown through organic expansion and acquisitions, particularly in recent years.
Future Projections: Analyst estimates project continued growth for WSFS, driven by increased lending activity, wealth management growth, and strategic acquisitions.
Recent Initiatives: Recent initiatives include expansion into new markets, investment in digital banking technology, and cost-cutting measures.
Summary
WSFS Financial Corporation demonstrates a strong regional presence and diversified business model, but faces competition from larger national banks. Its experienced management team and solid capital base provide a solid foundation for future growth. Strategic initiatives, particularly acquisitions, play a vital role in its expansion, but the company must navigate potential threats from increased competition, economic downturns, and regulatory changes.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data is subject to change.
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 2338 | Website https://www.wsfsbank.com |
Full time employees 2338 | 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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