WSFS FINANCIAL CORP WSFS
WSFS Financial Corporation (the Company or WSFS) is a savings and loan holding company headquartered in Wilmington, Delaware. Substantially all of our assets are held by the Company's subsidiary, Wilmington Savings Fund Society, FSB (WSFS Bank or the Bank), one of the ten oldest bank and trust companies in the United States (U.S.) continuously operating under the same name. As a federal savings bank that was formerly chartered as a state mutual savings bank, WSFS Bank enjoys a broader scope of permissible activities than most other financial institutions. With $21.3 billion in assets and $97.4 billion in assets under management (AUM) and assets under administration (AUA) at December 31, 2025, WSFS Bank is the oldest and largest locally-managed bank and trust company headquartered in the Greater Philadelphia and Delaware region.
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.02B | $1.06B | $976.5M | $703.8M | $456.4M | $715.4M | $709.2M | $455.5M | $379.4M | $321.6M |
| Total operating expenses | — | — | — | $663.3M | $284.1M | $570.5M | $514.8M | $284.7M | $270.9M | $224.5M |
| Interest expense | $726.1M | $705.4M | $725.1M | $662.9M | $22.7M | $48.5M | $76.1M | $46.5M | $33.5M | $22.8M |
| Pre-tax income | $380.6M | $347.3M | $365.3M | $300.6M | $357.7M | $145.0M | $194.4M | $170.8M | $108.5M | $97.2M |
| Income tax | $93.4M | $83.8M | $96.2M | $78.0M | $86.1M | $31.6M | $46.5M | $36.1M | $58.2M | $33.1M |
| Net income | $287.3M | $263.7M | $269.2M | $222.4M | $271.4M | $114.8M | $148.8M | $134.7M | $50.2M | $64.1M |
| EPS, basic | 5.11 | 4.43 | 4.40 | 3.50 | 5.71 | 2.27 | 3.02 | 4.27 | 1.60 | 2.12 |
| EPS, diluted | 5.09 | 4.41 | 4.40 | 3.49 | 5.69 | 2.27 | 3.00 | 4.19 | 1.56 | 2.06 |
| Shares, diluted (wtd. avg.) | $56.5M | $59.7M | $61.2M | $63.7M | $47.7M | $50.5M | $49.6M | $32.2M | $32.3M | $31.1M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $1.70B | $1.15B | $1.09B | $837.3M | $1.53B | $1.65B | $571.8M | $620.8M | $723.9M | $821.9M |
| Property, plant and equipment | $80.3M | $86.0M | $104.5M | $115.6M | $87.3M | $96.6M | $104.5M | $45.0M | $48.0M | $48.9M |
| Goodwill | $885.2M | $885.9M | $885.9M | $883.6M | $472.8M | $472.8M | $472.8M | $166.0M | $166.0M | $167.5M |
| Other intangibles | $84.7M | $102.3M | $118.7M | $128.6M | $74.4M | $84.6M | $95.9M | $20.0M | $22.4M | $23.7M |
| Total assets | $21.31B | $20.81B | $20.59B | $19.91B | $15.78B | $14.33B | $12.26B | $7.25B | $7.00B | $6.77B |
| Total liabilities | $18.59B | $18.23B | $18.12B | $17.71B | $13.84B | $12.54B | $10.41B | $6.43B | $6.28B | $6.08B |
| Retained earnings | $2.12B | $1.87B | $1.64B | $1.41B | $1.22B | $977.4M | $917.4M | $791.0M | $669.6M | $627.1M |
| Total equity | $2.74B | $2.59B | $2.47B | $2.20B | $1.94B | $1.79B | $1.85B | $820.9M | $724.3M | $687.3M |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $220.0M | $219.9M | $237.0M | $480.9M | $125.6M | $15.1M | $89.9M | $135.6M | $130.2M | $80.2M |
| Stock-based compensation | $12.8M | $11.9M | $9.6M | $6.3M | $5.7M | $2.7M | $3.6M | $2.3M | $3.4M | $3.0M |
| Capital expenditure | $6.4M | $14.3M | $6.4M | $8.8M | $6.6M | $7.2M | $14.2M | $5.5M | $7.7M | $9.9M |
| Investing cash flow | $124.9M | -$66.7M | -$326.3M | -$137.4M | -$1.49B | -$874.9M | $293.8M | -$359.9M | -$388.8M | -$276.6M |
| Financing cash flow | $199.5M | -$91.2M | $344.9M | -$1.04B | $1.24B | $1.94B | -$432.7M | $121.2M | $160.6M | $457.2M |
| Dividends paid | $37.2M | $35.8M | $36.7M | $35.7M | $24.2M | $24.4M | $22.5M | $13.2M | $9.4M | $7.6M |
| Buybacks | $290.3M | $96.3M | $54.6M | $200.1M | $13.3M | $155.8M | $97.2M | $31.2M | $11.8M | $14.3M |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000828944-26-000006.
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| C | CITIGROUP INC | $240.92B | 19.7x | 5.6% |
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| USB | US BANCORP \DE\ | $98.73B | 13.7x | 4.4% |
| PNC | PNC FINANCIAL SERVICES GROUP, INC. | $97.98B | 14.8x | 7.2% |
| TFC | TRUIST FINANCIAL CORP | $63.10B | 13.5x | -2.1% |