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Upturn AI SWOT - About
WSFS 
WSFS Financial Corporation (WSFS)
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Upturn Advisory Summary
06/27/2025: 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
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $62
Year Target Price $62
| 2 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -16.17% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.12B USD | Price to earnings Ratio 12.39 | 1Y Target Price 62 |
Price to earnings Ratio 12.39 | 1Y Target Price 62 | ||
Volume (30-day avg) - | Beta 0.87 | 52 Weeks Range 42.31 - 62.39 | Updated Date 06/29/2025 |
52 Weeks Range 42.31 - 62.39 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 1.24% | Basic EPS (TTM) 4.44 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.71% | Operating Margin (TTM) 37.71% |
Management Effectiveness
Return on Assets (TTM) 1.28% | Return on Equity (TTM) 10.29% |
Valuation
Trailing PE 12.39 | Forward PE 12.02 | Enterprise Value 2555335936 | Price to Sales(TTM) 3.16 |
Enterprise Value 2555335936 | Price to Sales(TTM) 3.16 | ||
Enterprise Value to Revenue 3.27 | Enterprise Value to EBITDA - | Shares Outstanding 56777000 | Shares Floating 56098509 |
Shares Outstanding 56777000 | Shares Floating 56098509 | ||
Percent Insiders 1.23 | Percent Institutions 95.26 |
Analyst Ratings
Rating 3.8 | Target Price 62 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
WSFS Financial Corporation
Company Overview
History and Background
WSFS Financial Corporation was founded in 1832 as Wilmington Savings Fund Society. It has grown from a single savings bank to a diversified financial services company through organic growth and strategic acquisitions.
Core Business Areas
- Banking: Provides a full range of commercial and retail banking services, including deposit accounts, loans, and cash management.
- Wealth Management: Offers investment management, trust services, and financial planning.
- Insurance: Provides a broad array of insurance products for consumer and commercial clients.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various departments responsible for different business functions.
Top Products and Market Share
Key Offerings
- Commercial Lending: Loans to businesses, including term loans, lines of credit, and commercial real estate financing. Market share varies by region. Competitors include large national banks and regional players.
- Mortgage Lending: Residential mortgage loans. Market share is subject to fluctuations in interest rates and housing market conditions. Competitors include national mortgage lenders and credit unions.
- Wealth Management Services: Investment advice, trust and financial planning services for high-net-worth individuals and families. Competitors include large brokerage firms and independent advisors.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. The rise of fintech companies also presents challenges and opportunities.
Positioning
WSFS Financial Corporation is a regional bank with a strong presence in the Delaware Valley. It differentiates itself through its customer service and community involvement.
Total Addressable Market (TAM)
The TAM for financial services in the Delaware Valley is estimated to be in the billions of dollars. WSFS is well positioned within this market through its regional focus.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Customer-focused approach
- Diversified business model
- Experienced management team
- Healthy Capital Ratios
Weaknesses
- Limited geographic reach compared to national banks
- Reliance on the Delaware Valley economy
- Higher cost structure relative to larger competitors
- Vulnerable to interest rate fluctuations
Opportunities
- Expansion into new markets
- Acquisitions of smaller banks or wealth management firms
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Capitalize on fintech innovation
Threats
- Increased competition from national banks and fintech companies
- Economic downturn in the Delaware Valley
- Regulatory changes
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- PNC
- CFG
- USB
Competitive Landscape
WSFS competes with national banks and regional players. Its advantages include its customer service and community involvement. Its disadvantages include its limited geographic reach.
Major Acquisitions
Bancorp, Inc.
- Year: 2019
- Acquisition Price (USD millions): 1500
- Strategic Rationale: Expanded WSFS's presence in the Delaware Valley and strengthened its market position.
Growth Trajectory and Initiatives
Historical Growth: WSFS has grown consistently through organic expansion and acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by increased lending activity and wealth management services.
Recent Initiatives: Recent strategic initiatives include investments in digital banking technologies and expansion into new markets.
Summary
WSFS Financial Corporation demonstrates a sturdy regional presence with consistent growth driven by strategic initiatives. Its diversified business model coupled with its acquisitions strengthens its market position. However, it needs to address its weaknesses such as it limited geographic reach and vulnerability to interest fluctuations while navigating increased competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- WSFS Financial Corporation Investor Relations, SEC Filings, Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered 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 2336 | Website https://www.wsfsbank.com |
Full time employees 2336 | 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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