ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is WSFS Financial Corp. ?
1
High Profitability with a Net Interest Margin of 9.98%
2
Strong Long Term Fundamental Strength with a 19.41% CAGR growth in Net Profits
3
Flat results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at USD 143.76 MM
- ROCE(HY) Lowest at 1.36%
- CREDIT DEPOSIT RATIO(HY) Lowest at 75.51%
4
With ROA of 0.81%, it has a very attractive valuation with a 1.44 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 19.98%, its profits have risen by 8.9% ; the PEG ratio of the company is 0.8
5
High Institutional Holdings at 98.96%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 8.5% over the previous quarter.
6
Market Beating performance in long term as well as near term
- Along with generating 19.98% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to WSFS Financial Corp. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is WSFS Financial Corp. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
WSFS Financial Corp.
38.68%
1.70
28.42%
S&P 500
29.84%
0.62
19.30%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.67%
EBIT Growth (5y)
16.92%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
12.97%
Pledged Shares
0
Institutional Holding
98.96%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.44
EV to EBIT
7.09
EV to EBITDA
6.59
EV to Capital Employed
1.91
EV to Sales
2.47
PEG Ratio
0.79
Dividend Yield
0.51%
ROCE (Latest)
26.96%
ROE (Latest)
10.55%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Highest at 1.36%
NII(Q)
Highest at USD 187.35 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 143.76 MM
ROCE(HY)
Lowest at 1.36%
CREDIT DEPOSIT RATIO(HY)
Lowest at 75.51%
Here's what is working for WSFS Financial Corp.
Non Performing Loans (%)
Lowest at 0.54% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 187.35 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for WSFS Financial Corp.
Operating Cash Flow
Lowest at USD 143.76 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Lowest at 75.51%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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