WSFS
Financial ServicesWSFS Financial Corporation · Banks - Regional · $4B
What is WSFS Financial Corporation?
WSFS Financial Corporation is the holding company for Wilmington Savings Fund Society, FSB, a community-focused bank serving individuals, businesses, and municipalities primarily across the United States. It combines traditional banking with wealth management and specialized cash logistics services.
WSFS generates revenue across three segments: WSFS Bank, Cash Connect, and Wealth Management. The bank segment handles deposits and a broad range of lending products. Cash Connect provides ATM vault and cash management services to financial institutions. The Wealth Management segment offers investment advisory, trust, and insurance services to high-net-worth clients and institutions.
WSFS Financial was established in 1986 and is headquartered in Wilmington, Delaware.
- Residential and commercial lending
- Deposit accounts and certificates of deposit
- ATM vault and cash logistics services
- Wealth management and investment advisory
Is WSFS a Good Stock to Buy?
UQS Score rates WSFS as Below Average overall, reflecting meaningful headwinds across several key pillars.
The Quality pillar stands out as the relative bright spot, suggesting the bank maintains reasonable operational discipline. Valuation is rated Attractive, meaning the stock may not be pricing in a premium relative to its fundamentals — a consideration for value-oriented investors.
The Moat, Growth, and Risk pillars all register as Weak, pointing to limited competitive differentiation, constrained expansion prospects, and elevated risk factors that weigh on the overall score.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does WSFS pay dividends?
Yes — WSFS Financial Corporation pays a dividend.
WSFS Financial pays a regular dividend, which is consistent with the income-oriented profile many community banks maintain. The dividend reflects the company's intent to return capital to shareholders alongside its lending and fee-based operations. Income-focused investors may find this cadence relevant when evaluating WSFS alongside its regional banking peers.
When does WSFS report earnings?
WSFS Financial reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
Quarterly results for WSFS tend to reflect trends in net interest income, loan growth, and fee revenue from its Cash Connect and Wealth Management segments. Performance across these segments can vary with interest rate conditions and credit quality in its lending book.
For the most recent quarter's results, visit WSFS Financial Corporation's investor relations page directly.
WSFS Price History
+38.9% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in WSFS Financial Corporation?
Based on WSFS Financial Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
WSFS Long-term Outlook
With Growth and Risk both rated Weak, the near-term fundamental outlook for WSFS carries notable uncertainty. Community banks in this profile often face pressure from narrowing interest margins and competition for deposits. The Attractive Valuation rating suggests the market may already be discounting some of these challenges, but the Weak Moat rating indicates limited structural advantages to drive a meaningful re-rating.
Growth drivers
- Expansion of fee-based Wealth Management and Cash Connect revenues
- Potential benefit from stabilizing interest rate environment on net interest income
- Cross-selling opportunities across banking, wealth, and cash logistics segments
Key risks
- Weak competitive moat in a crowded regional banking landscape
- Credit quality sensitivity tied to commercial and consumer loan portfolios
- Elevated risk profile that may limit earnings predictability across cycles
WSFS vs Peers
WSFS operates in a competitive regional banking space alongside peers that differ in geography, business mix, and scale.
Inter & Co pursues a digital-first banking model with a focus on Latin American markets, contrasting with WSFS's community banking roots in the US Mid-Atlantic region.
First BanCorp operates primarily in Puerto Rico and the Caribbean, giving it a distinct geographic footprint compared to WSFS's Delaware-centered franchise.
Independent Bank Corp focuses on New England community banking, making it a closer structural peer to WSFS in terms of business model and customer base.
Frequently Asked Questions
What does WSFS Financial Corporation do?
WSFS Financial is the holding company for Wilmington Savings Fund Society, FSB. It provides banking services including deposits and loans, ATM vault and cash logistics through its Cash Connect segment, and investment advisory and trust services through its Wealth Management segment.
Does WSFS pay dividends?
Yes, WSFS Financial pays a regular dividend. This is consistent with the capital return practices common among established community bank holding companies. Investors should verify the current dividend rate and payment schedule on the company's investor relations page.
When does WSFS report earnings?
WSFS Financial reports on a quarterly cadence, as is standard for US-listed bank holding companies. For the exact schedule and most recent results, check the investor relations section of the WSFS Financial website.
Is WSFS a good stock to buy?
UQS Score rates WSFS as Below Average overall. While the Quality pillar is rated Good and Valuation is Attractive, the Moat, Growth, and Risk pillars are all rated Weak. Whether it fits your portfolio depends on your risk tolerance and investment objectives — the full pillar breakdown is available to Pro members.
Is WSFS overvalued?
The UQS Valuation pillar for WSFS is rated Attractive, suggesting the stock is not trading at a significant premium relative to its fundamentals. This may reflect the market pricing in the weaker Growth and Risk profile. View the complete valuation analysis with a UQS Pro account.
How does WSFS compare to its competitors?
WSFS competes with regional and community banks including Independent Bank Corp., First BanCorp., and Inter & Co. Each differs in geography and business mix. WSFS's combination of traditional banking, cash logistics, and wealth management gives it a somewhat diversified revenue base relative to pure-play community banks.
What is WSFS's market cap bracket?
WSFS Financial is classified as a mid-cap company. This places it in a tier that typically offers more liquidity than small-cap banks but less scale and diversification than large regional or national banking institutions.
Who founded WSFS Financial Corporation?
WSFS Financial Corporation was established in 1986 as the holding company for Wilmington Savings Fund Society, FSB. Detailed founding history is publicly available through the company's official corporate history and investor relations materials.
Is WSFS a long-term quality investment?
From a long-term quality standpoint, the UQS Quality pillar for WSFS is rated Good, which is a relative positive. However, the Weak Moat rating suggests limited durable competitive advantages — a factor that long-term investors typically weigh heavily when assessing a company's ability to sustain returns over time.
What is the main competitive advantage of WSFS Financial?
WSFS's most distinctive feature is its Cash Connect segment, which provides ATM vault and cash management services to other financial institutions — a niche not common among community banks. This diversifies revenue beyond traditional lending and deposit-taking, though the overall Moat pillar is still rated Weak.
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Pro Analysis
WSFS — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 53.8 | 80.1 | 28.0 | 35.5 | 37.2 | 93.8 | -0.3 |
| May 14, 2026 | 54.1 | 80.6 | 28.0 | 35.5 | 37.2 | 94.9 | +0.1 |
| May 11, 2026 | 54.0 | 80.6 | 28.0 | 35.5 | 37.2 | 94.2 | +3.1 |
| May 3, 2026 | 50.9 | 70.3 | 28.0 | 34.8 | 36.9 | 92.3 | -0.1 |
| May 2, 2026 | 51.0 | 70.3 | 28.0 | 34.8 | 36.9 | 92.7 | +0.3 |
| Apr 26, 2026 | 50.7 | 70.3 | 28.0 | 33.6 | 36.9 | 92.3 | +0.2 |
| Apr 19, 2026 | 50.5 | 70.3 | 28.0 | 32.6 | 36.9 | 92.4 | -0.1 |
| Apr 18, 2026 | 50.6 | 70.3 | 28.0 | 32.6 | 36.9 | 93.0 | +0.1 |
| Apr 12, 2026 | 50.5 | 70.3 | 28.0 | 32.6 | 36.9 | 92.5 | -0.3 |
| Apr 9, 2026 | 50.8 | 70.3 | 28.0 | 32.8 | 36.9 | 94.2 | +0.1 |
WSFS — Pillar Breakdown
Quality
— 80.1/100 (25%)WSFS Financial Corporation demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 35.5/100 (20%)WSFS Financial Corporation shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 37.2/100 (15%)WSFS Financial Corporation has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 93.8/100 (15%)WSFS Financial Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 28/100 (25%)WSFS Financial Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for WSFS.
Score Composition
Financial Data
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How is the WSFS UQS Score Calculated?
The UQS (Unified Quality Score) for WSFS Financial Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses WSFS Financial Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether WSFS Financial Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.