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WSFS Financial (WSFS) Financials

WSFS Financial logo
$47.26 +0.89 (+1.92%)
Closing price 04/15/2025 04:00 PM Eastern
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$46.90 -0.36 (-0.76%)
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Annual Income Statements for WSFS Financial

Annual Income Statements for WSFS Financial

This table shows WSFS Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders		 54 156 50 135 149 115 271 222 269 264
Consolidated Net Income / (Loss)		 54 156 50 135 148 113 272 223 269 263
Net Income / (Loss) Continuing Operations		 54 156 163 135 148 113 272 223 269 263
Total Pre-Tax Income 		84 97 108 171 194 145 358 301 365 347
Total Revenue		 257 391 459 409 633 667 619 923 1,015 1,046
Net Interest Income / (Expense)		 167 194 221 246 445 466 434 663 725 705
Total Interest Income		 183 217 255 293 521 514 456 704 977 1,064
Loans and Leases Interest Income		 163 194 229 261 463 460 393 583 845 918
Investment Securities Interest Income		 18 21 24 30 53 53 61 114 116 111
Other Interest Income		 2.21 1.61 1.62 2.02 4.90 1.02 1.80 7.56 15 34
Total Interest Expense		 16 23 33 46 76 48 23 41 251 358
Deposits Interest Expense		 7.17 9.42 15 29 60 39 15 28 210 309
Long-Term Debt Interest Expense		 6.77 11 15 13 10 6.95 6.50 8.78 15 13
Federal Funds Purchased and Securities Sold Interest Expense		 1.72 2.23 2.91 4.27 5.74 2.22 1.27 3.93 8.41 7.25
Other Interest Expense		 0.12 0.12 0.15 0.05 0.09 0.02 0.02 0.04 18 30
Total Non-Interest Income		 90 105 125 163 188 201 185 260 290 341
Other Service Charges		 60 194 2.22 2.49 160 168 179 252 5.72 334
Net Realized & Unrealized Capital Gains on Investments		 1.48 2.37 1.98 25 27 32 4.44 5.98 9.82 2.31
Other Non-Interest Income		 29 0.92 233 136 1.25 1.28 1.25 1.80 274 4.72
Provision for Credit Losses		 7.79 13 11 13 26 153 -117 48 88 61
Total Non-Interest Expense		 165 189 226 225 413 369 379 574 562 638
Salaries and Employee Benefits		 84 96 114 123 183 194 214 284 289 333
Net Occupancy & Equipment Expense		 30 33 39 40 67 68 76 103 103 104
Marketing Expense		 11 12 3.96 11 62 10 17 50 12 8.30
Property & Liability Insurance Claims		 2.85 2.61 2.22 -5.82 1.48 2.15 -11 6.10 16 12
Other Operating Expenses		 38 45 66 57 83 91 81 132 141 181
Income Tax Expense		 30 33 58 36 46 32 86 78 96 84
Net Income / (Loss) Attributable to Noncontrolling Interest		 - - 0.00 0.00 -0.89 -1.45 0.16 0.27 -0.13 -0.18
Basic Earnings per Share		 $1.88 $2.12 $1.60 $4.27 $3.02 $2.27 $5.71 $3.50 $4.40 $4.43
Weighted Average Basic Shares Outstanding		 28.44M 30.28M 31.40M 31.37M 51.06M 47.49M 65.38M 61.47M 60.28M 58.56M
Diluted Earnings per Share		 $1.85 $2.06 $1.56 $4.19 $3.00 $2.27 $5.69 $3.49 $4.40 $4.41
Weighted Average Diluted Shares Outstanding		 28.44M 30.28M 31.40M 31.37M 51.06M 47.49M 65.38M 61.47M 60.28M 58.56M
Weighted Average Basic & Diluted Shares Outstanding		 28.44M 30.28M 31.40M 31.37M 51.06M 47.49M 65.38M 61.47M 60.28M 58.56M
Cash Dividends to Common per Share		 $0.21 $0.25 $0.30 $0.42 $0.47 $0.48 $0.51 $0.56 $0.60 $0.60

Quarterly Income Statements for WSFS Financial

This table shows WSFS Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders		 73 84 62 69 74 64 66 69 64 64
Consolidated Net Income / (Loss)		 73 84 63 69 74 64 66 69 64 64
Net Income / (Loss) Continuing Operations		 73 84 63 69 74 64 66 69 64 64
Total Pre-Tax Income 		99 112 84 92 97 93 87 90 86 84
Total Revenue		 239 259 246 249 255 265 251 266 268 262
Net Interest Income / (Expense)		 177 194 183 182 183 178 175 174 178 178
Total Interest Income		 187 213 226 242 251 257 262 265 273 263
Loans and Leases Interest Income		 153 182 194 208 219 225 225 231 236 227
Investment Securities Interest Income		 30 30 30 29 29 28 28 28 28 27
Other Interest Income		 3.36 1.41 2.90 4.57 3.40 4.04 8.84 6.46 9.88 9.27
Total Interest Expense		 9.73 19 44 60 69 79 86 91 96 85
Deposits Interest Expense		 6.64 15 35 50 57 67 73 77 81 79
Long-Term Debt Interest Expense		 2.10 2.80 5.94 3.93 2.62 2.67 2.76 2.80 3.92 3.18
Federal Funds Purchased and Securities Sold Interest Expense		 0.98 1.75 2.69 1.64 1.95 2.13 1.76 1.79 1.78 1.93
Other Interest Expense		 0.01 0.01 0.02 4.31 6.71 6.99 9.04 9.50 9.54 1.48
Total Non-Interest Income		 63 65 63 67 73 87 76 92 90 83
Other Service Charges		 62 123 1.37 66 71 -133 75 89 89 82
Net Realized & Unrealized Capital Gains on Investments		 0.00 -0.01 -0.00 0.00 -0.01 9.83 0.00 2.13 0.06 0.12
Other Non-Interest Income		 0.20 -58 62 0.76 1.70 210 1.20 0.79 1.54 1.19
Provision for Credit Losses		 7.45 13 29 16 18 25 15 20 18 8.04
Total Non-Interest Expense		 133 133 133 141 140 148 149 156 164 169
Salaries and Employee Benefits		 72 72 73 72 74 70 76 83 86 88
Net Occupancy & Equipment Expense		 25 26 25 26 25 28 24 26 27 27
Marketing Expense		 3.33 3.32 2.46 4.96 2.16 2.27 1.99 2.18 2.10 2.03
Property & Liability Insurance Claims		 - - 2.58 2.86 2.53 7.91 3.98 2.39 2.88 2.91
Other Operating Expenses		 32 47 30 35 36 40 43 42 46 50
Income Tax Expense		 26 28 21 23 23 29 21 21 21 20
Net Income / (Loss) Attributable to Noncontrolling Interest		 -0.04 -0.01 0.26 -0.08 0.10 -0.40 -0.04 -0.07 -0.03 -0.05
Basic Earnings per Share		 $1.16 $1.33 $1.01 $1.12 $1.22 $1.05 $1.09 $1.16 $1.09 $1.09
Weighted Average Basic Shares Outstanding		 63.05M 61.47M 61.51M 61.35M 60.94M 60.28M 60.35M 59.83M 59.19M 58.56M
Diluted Earnings per Share		 $1.16 $1.33 $1.01 $1.12 $1.22 $1.05 $1.09 $1.16 $1.08 $1.08
Weighted Average Diluted Shares Outstanding		 63.23M 61.47M 61.68M 61.41M 61.04M 60.28M 60.52M 59.96M 59.39M 58.56M
Weighted Average Basic & Diluted Shares Outstanding		 61.59M 61.47M 61.45M 61.06M 60.73M 60.28M 60.09M 59.27M 58.90M 58.56M

Annual Cash Flow Statements for WSFS Financial

This table details how cash moves in and out of WSFS Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Change in Cash & Equivalents		 53 261 -98 -103 -49 1,083 -122 -696 256 62
Net Cash From Operating Activities		 74 80 130 136 90 15 126 481 237 220
Net Cash From Continuing Operating Activities		 74 80 130 136 90 15 126 481 237 220
Net Income / (Loss) Continuing Operations		 54 64 50 135 148 113 272 223 269 263
Consolidated Net Income / (Loss)		 54 64 50 135 148 113 272 223 269 263
Provision For Loan Losses		 7.79 13 23 13 26 153 -117 48 88 61
Depreciation Expense		 6.30 7.48 8.56 8.33 16 15 15 24 18 14
Amortization Expense		 20 22 22 18 -12 -37 -16 36 3.72 1.62
Non-Cash Adjustments to Reconcile Net Income		 -17 -29 24 -31 -117 -216 33 -69 -108 -93
Changes in Operating Assets and Liabilities, net		 3.46 2.49 2.34 -7.58 29 -14 -61 219 -33 -28
Net Cash From Investing Activities		 -276 -277 -389 -360 294 -875 -1,492 -137 -326 -67
Net Cash From Continuing Investing Activities		 -276 -277 -389 -360 294 -875 -1,492 -137 -326 -67
Purchase of Property, Leasehold Improvements and Equipment		 -8.36 -9.87 -7.73 -5.50 -14 -7.16 -6.58 -8.81 -6.41 -14
Purchase of Investment Securities		 -668 -681 -1,201 -601 -1,151 -1,833 -3,679 -1,251 -478 -770
Sale of Property, Leasehold Improvements and Equipment		 - 0.00 0.00 0.20 0.07 0.07 0.43 1.19 0.02 0.00
Sale and/or Maturity of Investments		 404 414 830 416 1,383 1,188 740 1,121 593 849
Other Investing Activities, net		 -3.59 -0.39 -10 -170 - -222 1,453 0.00 -435 -132
Net Cash From Financing Activities		 255 457 161 121 -433 1,943 1,245 -1,039 345 -91
Net Cash From Continuing Financing Activities		 255 457 161 121 -433 1,943 1,245 -1,039 345 -91
Net Change in Deposits		 26 203 480 406 -142 2,274 1,388 -1,156 252 558
Issuance of Debt		 63,311 122,075 143,853 83,722 32,320 5,195 1.00 1,873 7,195 13,038
Issuance of Common Equity		 3.16 1.90 3.42 11 7.76 2.03 1.52 3.18 3.30 0.47
Repayment of Debt		 -94,909 -149,504 -167,162 -105,213 -64,752 -13,379 -108 -4,253 -15,288 -15,312
Repurchase of Common Equity		 -32 -14 -12 -31 -97 -156 -13 -200 -55 -96
Payment of Dividends		 -6.00 -7.63 -9.43 -13 -22 -24 -24 -36 -37 -36
Other Financing Activities, Net		 31,862 27,703 23,008 21,240 32,253 8,030 0.00 2,729 8,274 1,757
Cash Interest Paid		 16 22 34 46 75 50 23 36 210 367
Cash Income Taxes Paid		 23 25 31 33 34 73 41 58 99 82

Quarterly Cash Flow Statements for WSFS Financial

This table details how cash moves in and out of WSFS Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents		 -645 -194 266 13 -504 481 -116 45 -31 164
Net Cash From Operating Activities		 168 74 30 92 165 -51 113 45 3.15 59
Net Cash From Continuing Operating Activities		 168 74 30 92 165 -51 113 45 3.15 59
Net Income / (Loss) Continuing Operations		 73 84 63 69 74 64 66 69 64 64
Consolidated Net Income / (Loss)		 73 84 63 69 74 64 66 69 64 64
Provision For Loan Losses		 7.45 13 29 16 18 25 15 20 18 8.04
Depreciation Expense		 4.93 4.14 4.33 4.70 4.53 3.96 4.10 3.32 3.26 3.20
Amortization Expense		 13 7.17 7.75 8.75 -14 1.45 6.77 -5.36 18 -18
Non-Cash Adjustments to Reconcile Net Income		 -51 -2.72 -23 -32 -15 -38 -5.90 -48 -18 -21
Changes in Operating Assets and Liabilities, net		 121 -32 -50 26 97 -107 27 5.91 -83 22
Net Cash From Investing Activities		 -183 -74 -140 -50 -223 86 -142 -67 -81 224
Net Cash From Continuing Investing Activities		 -183 -74 -140 -50 -223 86 -142 -67 -81 224
Purchase of Property, Leasehold Improvements and Equipment		 -3.23 -1.14 -0.86 -0.96 -1.14 -3.45 -4.23 -2.72 -3.64 -3.66
Purchase of Investment Securities		 321 -218 -186 -98 -585 390 -116 -375 -191 -88
Sale and/or Maturity of Investments		 148 157 176 158 125 134 96 186 393 175
Other Investing Activities, net		 -75 -12 -130 -109 238 -435 -118 124 -279 141
Net Cash From Financing Activities		 -630 -194 375 -30 -447 447 -87 67 47 -119
Net Cash From Continuing Financing Activities		 -630 -194 375 -30 -447 447 -87 67 47 -119
Net Change in Deposits		 -540 -519 -23 234 -449 490 -292 99 148 603
Issuance of Debt		 458 1,415 4,153 1,112 680 1,250 1,950 1,972 6,928 2,188
Issuance of Common Equity		 2.09 0.66 0.36 0.00 2.06 0.88 0.60 -1.70 1.44 0.13
Repayment of Debt		 -768 -3,485 -8,883 -1,912 -1,538 -2,955 -1,950 -2,125 -7,112 -4,125
Repurchase of Common Equity		 -82 -16 -13 -16 -16 -9.95 -21 -40 -14 -21
Payment of Dividends		 -9.54 -9.25 -9.26 -9.22 -9.16 -9.11 -9.07 -9.02 -8.89 -8.82
Other Financing Activities, Net		 310 2,420 5,150 561 883 1,680 235 172 105 1,245
Cash Interest Paid		 7.26 20 34 49 52 75 95 72 79 120
Cash Income Taxes Paid		 10 32 0.46 48 24 26 2.29 34 20 25

Annual Balance Sheets for WSFS Financial

This table presents WSFS Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Total Assets		 5,585 6,765 7,000 7,249 12,256 14,334 15,777 19,915 20,595 20,814
Cash and Due from Banks		 561 818 720 620 572 1,647 1,528 832 1,088 1,153
Interest Bearing Deposits at Other Banks		 0.19 3.54 3.61 1.17 0.21 7.69 5.42 5.28 4.70 1.78
Trading Account Securities		 929 1,014 1,030 1,380 2,029 2,838 5,319 5,248 4,934 4,576
Loans and Leases, Net of Allowance		 3,729 0.00 0.00 0.00 0.00 0.00 7,791 11,760 12,583 12,996
Premises and Equipment, Net		 40 49 48 45 104 97 87 116 104 86
Intangible Assets		 10 24 22 20 96 85 74 129 1,005 988
Other Assets		 207 245 233 153 8,983 9,187 500 942 875 1,014
Total Liabilities & Shareholders' Equity		 5,585 6,765 7,000 7,249 12,256 14,334 15,777 19,915 20,595 20,814
Total Liabilities		 5,004 6,078 6,275 6,428 10,407 12,544 13,840 17,713 18,125 18,235
Non-Interest Bearing Deposits		 958 1,266 1,421 1,626 2,190 3,415 4,565 5,740 4,917 4,988
Interest Bearing Deposits		 3,058 3,472 3,827 4,014 7,397 8,442 8,675 10,464 11,557 12,042
Short-Term Debt		 14 64 35 48 16 - 25 38 586 23
Accrued Interest Payable		 0.80 1.15 1.04 1.90 3.10 1.45 0.74 5.17 47 38
Long-Term Debt		 790 1,073 875 494 278 341 215 689 309 361
Other Long-Term Liabilities		 54 71 89 86 328 346 360 777 709 783
Total Equity & Noncontrolling Interests		 580 687 724 821 1,849 1,789 1,937 2,202 2,470 2,579
Total Preferred & Common Equity		 580 687 724 821 1,850 1,792 1,939 2,205 2,478 2,590
Total Common Equity		 580 687 724 821 1,850 1,792 1,939 2,205 2,478 2,590
Common Stock		 257 330 337 350 1,050 1,054 1,060 1,975 1,986 1,997
Retained Earnings		 571 627 670 791 917 977 1,225 1,411 1,644 1,872
Treasury Stock		 -248 -262 -274 -305 -140 -295 -307 -505 -558 -654
Accumulated Other Comprehensive Income / (Loss)		 0.70 -7.62 -8.15 -15 24 56 -38 -676 -594 -625
Noncontrolling Interest		 - - - 0.00 -0.82 -2.25 -2.08 -3.23 -7.82 -10

Quarterly Balance Sheets for WSFS Financial

This table presents WSFS Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets		 19,985 20,319 20,386 20,041 20,579 20,745 20,905
Cash and Due from Banks		 1,026 1,096 1,109 606 974 1,019 987
Interest Bearing Deposits at Other Banks		 5.50 6.99 6.35 5.53 2.82 2.79 4.19
Trading Account Securities		 4,215 4,126 3,998 4,797 4,811 4,745 4,806
Loans and Leases, Net of Allowance		 0.00 0.00 12,168 12,502 12,790 12,946 13,125
Premises and Equipment, Net		 119 112 108 105 105 104 104
Intangible Assets		 133 125 121 123 1,000 996 992
Other Assets		 13,603 13,970 1,991 1,017 896 931 887
Total Liabilities & Shareholders' Equity		 19,985 20,319 20,386 20,041 20,579 20,745 20,905
Total Liabilities		 17,885 18,016 18,078 17,806 18,114 18,266 18,238
Non-Interest Bearing Deposits		 6,171 5,299 5,462 4,914 4,653 4,783 4,686
Interest Bearing Deposits		 10,554 10,891 10,965 11,073 11,534 11,508 11,741
Short-Term Debt		 36 - 591 584 816 811 723
Accrued Interest Payable		 5.57 15 26 42 38 57 73
Long-Term Debt		 339 1,138 309 309 309 332 353
Other Long-Term Liabilities		 779 673 725 859 764 776 663
Total Equity & Noncontrolling Interests		 2,101 2,303 2,307 2,235 2,466 2,478 2,667
Total Preferred & Common Equity		 2,104 2,306 2,315 2,243 2,473 2,490 2,678
Total Common Equity		 2,104 2,306 2,315 2,243 2,473 2,490 2,678
Common Stock		 1,972 1,979 1,979 1,982 1,989 1,990 1,995
Retained Earnings		 1,336 1,464 1,524 1,589 1,700 1,761 1,816
Treasury Stock		 -489 -518 -532 -548 -579 -618 -633
Accumulated Other Comprehensive Income / (Loss)		 -715 -618 -656 -781 -637 -643 -500
Noncontrolling Interest		 -2.76 -3.02 -7.28 -7.42 -7.86 -11 -11

Annual Metrics and Ratios for WSFS Financial

This table displays calculated financial ratios and metrics derived from WSFS Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 15.38% 52.14% 17.24% -10.80% 54.78% 5.36% -7.17% 49.08% 9.96% 3.09%
EBITDA Growth		 21.89% 98.26% 15.00% -21.64% 0.67% -38.08% 190.48% 1.08% 7.02% -6.14%
EBIT Growth		 15.50% 126.03% 16.72% -22.75% 13.80% -25.42% 146.76% -15.96% 21.51% -4.93%
NOPAT Growth		 -0.42% 19.70% -21.59% 168.18% 9.78% -23.39% 139.68% -18.03% 20.83% -2.06%
Net Income Growth		 -0.42% 192.07% -67.87% 168.18% 9.78% -23.39% 139.68% -18.03% 20.83% -2.06%
EPS Growth		 -4.15% 11.35% -24.27% 168.59% -28.40% -24.33% 150.66% -38.66% 26.07% 0.23%
Operating Cash Flow Growth		 9.32% 8.09% 62.34% 4.15% -33.71% -83.15% 729.80% 282.70% -50.71% -7.22%
Free Cash Flow Firm Growth		 -240.95% -23.87% 164.15% 68.62% -255.88% 120.06% 77.38% -335.15% 68.45% 498.24%
Invested Capital Growth		 34.67% 31.73% -10.45% -16.61% 57.31% -0.64% 2.18% 34.56% 14.89% -11.94%
Revenue Q/Q Growth		 6.07% 34.63% 6.81% -13.80% -1.87% 7.13% -2.42% 12.77% 0.65% -0.36%
EBITDA Q/Q Growth		 6.54% 79.16% 3.84% -32.11% -9.75% 55.29% 3.31% 14.52% 0.75% -7.31%
EBIT Q/Q Growth		 3.31% 106.03% 5.33% -35.11% -6.13% 55.42% -1.46% 15.61% -5.09% -2.39%
NOPAT Q/Q Growth		 2.44% 6.88% -35.74% 41.55% 11.88% 14.46% -1.21% 14.40% -7.22% 0.25%
Net Income Q/Q Growth		 2.44% 160.79% -70.52% 41.55% 11.88% 14.46% -1.21% 14.40% -7.22% 0.25%
EPS Q/Q Growth		 5.71% 7.85% -71.27% 42.52% 1.01% 10.73% -0.18% 4.49% -5.98% 0.68%
Operating Cash Flow Q/Q Growth		 0.22% 12.55% -1.96% 4.47% -12.45% -76.42% -50.88% 97.85% -34.49% 99.81%
Free Cash Flow Firm Q/Q Growth		 -211.91% 9.04% 50.80% -4.53% 32.29% -71.44% 13.77% -283.75% 53.98% 289.51%
Invested Capital Q/Q Growth		 7.97% 3.93% -2.39% 1.40% -11.09% 3.12% 1.58% 18.33% 7.57% -20.82%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 42.96% 55.99% 54.92% 48.24% 31.38% 18.44% 57.71% 39.13% 38.08% 34.67%
EBIT Margin		 32.60% 48.44% 48.22% 41.76% 30.70% 21.73% 57.77% 32.57% 35.99% 33.19%
Profit (Net Income) Margin		 20.83% 39.98% 10.96% 32.94% 23.37% 16.99% 43.87% 24.12% 26.51% 25.18%
Tax Burden Percent		 63.88% 160.93% 46.31% 78.89% 76.10% 78.18% 75.93% 74.07% 73.65% 75.88%
Interest Burden Percent		 100.00% 51.29% 49.07% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 36.12% 34.04% 53.69% 21.11% 23.90% 21.82% 24.07% 25.93% 26.35% 24.12%
Return on Invested Capital (ROIC)		 4.44% 3.99% 2.91% 8.99% 8.44% 5.30% 12.61% 8.72% 8.55% 8.33%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.44% 13.49% 2.91% 8.99% 8.44% 5.30% 12.61% 8.72% 8.55% 8.33%
Return on Net Nonoperating Assets (RNNOA)		 5.58% 20.67% 4.21% 8.45% 2.64% 0.93% 1.96% 2.04% 2.97% 2.11%
Return on Equity (ROE)		 10.01% 24.67% 7.12% 17.44% 11.08% 6.23% 14.58% 10.76% 11.52% 10.44%
Cash Return on Invested Capital (CROIC)		 -25.11% -23.39% 13.93% 27.11% -36.11% 5.94% 10.46% -20.75% -5.31% 21.03%
Operating Return on Assets (OROA)		 1.61% 3.07% 3.21% 2.40% 1.99% 1.09% 2.38% 1.68% 1.80% 1.68%
Return on Assets (ROA)		 1.03% 2.53% 0.73% 1.89% 1.52% 0.85% 1.80% 1.25% 1.33% 1.27%
Return on Common Equity (ROCE)		 10.01% 24.67% 7.12% 17.44% 11.08% 6.23% 14.59% 10.77% 11.54% 10.47%
Return on Equity Simple (ROE_SIMPLE)		 9.22% 22.75% 6.94% 16.41% 7.99% 6.32% 14.01% 10.10% 10.86% 10.17%
Net Operating Profit after Tax (NOPAT)		 54 64 50 135 148 113 272 223 269 263
NOPAT Margin		 20.83% 16.39% 10.96% 32.94% 23.37% 16.99% 43.87% 24.12% 26.51% 25.18%
Net Nonoperating Expense Percent (NNEP)		 0.00% -9.50% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 48.26% 36.01% 34.26% 42.58% 49.33% 40.90% 49.61% 47.31% 39.86% 42.49%
Operating Expenses to Revenue		 64.37% 48.24% 49.39% 55.02% 65.26% 55.30% 61.14% 62.22% 55.33% 60.94%
Earnings before Interest and Taxes (EBIT)		 84 189 221 171 194 145 358 301 365 347
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 110 219 252 197 199 123 357 361 386 363
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.51 1.93 1.91 1.35 1.16 1.20 1.18 1.23 1.11 1.21
Price to Tangible Book Value (P/TBV)		 1.81 2.68 2.58 1.74 1.68 1.75 1.65 2.27 1.87 1.95
Price to Revenue (P/Rev)		 3.41 3.40 3.02 2.70 3.40 3.23 3.71 2.93 2.71 2.98
Price to Earnings (P/E)		 16.38 8.49 27.52 8.20 14.47 18.79 8.46 12.18 10.21 11.84
Dividend Yield		 0.71% 0.59% 0.68% 1.19% 1.14% 1.12% 1.06% 1.27% 1.33% 1.13%
Earnings Yield		 6.10% 11.77% 3.63% 12.20% 6.91% 5.32% 11.82% 8.21% 9.80% 8.45%
Enterprise Value to Invested Capital (EV/IC)		 0.81 0.90 0.96 0.75 0.87 0.39 0.46 0.89 0.76 0.79
Enterprise Value to Revenue (EV/Rev)		 4.36 4.20 3.42 2.51 2.96 1.26 1.62 2.81 2.50 2.24
Enterprise Value to EBITDA (EV/EBITDA)		 10.15 7.51 6.23 5.20 9.44 6.83 2.80 7.19 6.58 6.45
Enterprise Value to EBIT (EV/EBIT)		 13.37 8.68 7.09 6.00 9.65 5.80 2.80 8.63 6.96 6.74
Enterprise Value to NOPAT (EV/NOPAT)		 20.93 25.65 31.22 7.61 12.68 7.42 3.69 11.66 9.45 8.88
Enterprise Value to Operating Cash Flow (EV/OCF)		 15.11 20.50 12.05 7.56 20.87 55.50 7.97 5.40 10.73 10.64
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 6.51 2.52 0.00 6.62 4.45 0.00 0.00 3.52
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 1.39 1.65 1.26 0.66 0.16 0.19 0.12 0.33 0.36 0.15
Long-Term Debt to Equity		 1.36 1.56 1.21 0.60 0.15 0.19 0.11 0.31 0.13 0.14
Financial Leverage		 1.26 1.53 1.45 0.94 0.31 0.17 0.16 0.23 0.35 0.25
Leverage Ratio		 9.76 9.74 9.75 9.22 7.30 7.31 8.08 8.62 8.67 8.20
Compound Leverage Factor		 9.76 5.00 4.78 9.22 7.30 7.31 8.08 8.62 8.67 8.20
Debt to Total Capital		 58.10% 62.33% 55.67% 39.76% 13.73% 15.99% 11.00% 24.82% 26.60% 12.95%
Short-Term Debt to Total Capital		 1.05% 3.52% 2.12% 3.52% 0.75% 0.00% 1.13% 1.31% 17.42% 0.78%
Long-Term Debt to Total Capital		 57.05% 58.82% 53.56% 36.24% 12.98% 15.99% 9.88% 23.51% 9.18% 12.17%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% -0.04% -0.11% -0.10% -0.11% -0.23% -0.35%
Common Equity to Total Capital		 41.90% 37.67% 44.33% 60.24% 86.31% 84.11% 89.09% 75.29% 73.63% 87.40%
Debt to EBITDA		 7.29 5.19 3.61 2.75 1.48 2.77 0.67 2.01 2.32 1.06
Net Debt to EBITDA		 2.21 1.44 0.74 -0.40 -1.40 -10.68 -3.62 -0.31 -0.51 -2.13
Long-Term Debt to EBITDA		 7.16 4.90 3.48 2.50 1.40 2.77 0.60 1.91 0.80 0.99
Debt to NOPAT		 15.03 17.75 18.11 4.02 1.99 3.01 0.88 3.26 3.33 1.46
Net Debt to NOPAT		 4.55 4.92 3.70 -0.59 -1.88 -11.60 -4.76 -0.50 -0.74 -2.93
Long-Term Debt to NOPAT		 14.76 16.75 17.42 3.67 1.88 3.01 0.79 3.09 1.15 1.37
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% -0.03% -0.08% -0.12% -0.13% -0.24% -0.36%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -303 -375 241 406 -633 127 225 -530 -167 665
Operating Cash Flow to CapEx		 887.07% 812.11% 1,684.37% 2,557.04% 636.13% 213.57% 2,043.39% 6,312.08% 3,709.55% 1,542.29%
Free Cash Flow to Firm to Interest Expense		 -19.21 -16.44 7.20 8.73 -8.31 2.62 9.91 -12.94 -0.66 1.86
Operating Cash Flow to Interest Expense		 4.70 3.51 3.89 2.92 1.18 0.31 5.53 11.75 0.94 0.61
Operating Cash Flow Less CapEx to Interest Expense		 4.17 3.08 3.66 2.80 0.99 0.17 5.26 11.56 0.92 0.57
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.05 0.06 0.07 0.06 0.06 0.05 0.04 0.05 0.05 0.05
Fixed Asset Turnover		 6.89 8.84 9.47 8.80 8.47 6.64 6.74 9.10 9.22 10.98
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,385 1,825 1,634 1,363 2,144 2,130 2,176 2,929 3,365 2,963
Invested Capital Turnover		 0.21 0.24 0.27 0.27 0.36 0.31 0.29 0.36 0.32 0.33
Increase / (Decrease) in Invested Capital		 357 440 -191 -271 781 -14 46 752 436 -402
Enterprise Value (EV)		 1,120 1,643 1,569 1,025 1,876 840 1,002 2,595 2,542 2,340
Market Capitalization		 877 1,328 1,383 1,104 2,154 2,157 2,297 2,709 2,748 3,121
Book Value per Share		 $19.44 $21.94 $23.08 $26.17 $35.48 $35.55 $40.76 $35.81 $40.80 $43.97
Tangible Book Value per Share		 $16.25 $15.84 $17.07 $20.24 $24.58 $24.49 $29.26 $19.37 $24.26 $27.19
Total Capital		 1,385 1,825 1,634 1,363 2,144 2,130 2,176 2,929 3,365 2,963
Total Debt		 805 1,137 910 542 294 341 239 727 895 384
Total Long-Term Debt		 790 1,073 875 494 278 341 215 689 309 361
Net Debt		 244 316 186 -79 -277 -1,314 -1,293 -110 -198 -771
Capital Expenditures (CapEx)		 8.36 9.87 7.73 5.30 14 7.09 6.15 7.62 6.39 14
Net Nonoperating Expense (NNE)		 0.00 -92 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 805 1,137 910 542 294 341 239 727 895 384
Total Depreciation and Amortization (D&A)		 27 30 31 27 4.27 -22 -0.42 61 21 15
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.88 $2.12 $1.60 $4.27 $3.02 $2.27 $5.71 $3.50 $4.40 $4.43
Adjusted Weighted Average Basic Shares Outstanding		 29.69M 31.39M 31.40M 31.37M 51.06M 47.49M 65.38M 61.47M 60.28M 58.56M
Adjusted Diluted Earnings per Share		 $1.85 $2.06 $1.56 $4.19 $3.00 $2.27 $5.69 $3.49 $4.40 $4.41
Adjusted Weighted Average Diluted Shares Outstanding		 29.69M 31.39M 31.40M 31.37M 51.06M 47.49M 65.38M 61.47M 60.28M 58.56M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 29.69M 31.39M 31.40M 31.37M 51.06M 47.49M 65.38M 61.47M 60.28M 58.56M
Normalized Net Operating Profit after Tax (NOPAT)		 54 64 76 135 160 116 272 223 269 263
Normalized NOPAT Margin		 20.99% 16.39% 16.67% 32.94% 25.31% 17.32% 44.00% 24.12% 26.51% 25.18%
Pre Tax Income Margin		 32.60% 24.84% 23.66% 41.76% 30.70% 21.73% 57.77% 32.57% 35.99% 33.19%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 5.31 8.30 6.61 3.67 2.55 2.99 15.74 7.35 1.45 0.97
NOPAT to Interest Expense		 3.39 2.81 1.50 2.90 1.94 2.34 11.95 5.44 1.07 0.74
EBIT Less CapEx to Interest Expense		 4.78 7.86 6.38 3.56 2.37 2.85 15.47 7.16 1.43 0.93
NOPAT Less CapEx to Interest Expense		 2.86 2.37 1.27 2.78 1.76 2.19 11.68 5.25 1.04 0.70
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 11.21% 4.88% 18.76% 9.83% 15.19% 21.50% 8.93% 16.05% 13.66% 13.59%
Augmented Payout Ratio		 70.35% 14.03% 42.15% 32.99% 80.89% 159.02% 13.81% 105.92% 33.97% 50.14%

Quarterly Metrics and Ratios for WSFS Financial

This table displays calculated financial ratios and metrics derived from WSFS Financial's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 62.80% 67.76% 23.36% 10.22% 6.59% 2.54% 2.23% 6.97% 4.85% -1.44%
EBITDA Growth		 56.73% 58.70% 257.67% 11.76% -24.99% -20.60% 2.21% -15.84% 22.18% -29.11%
EBIT Growth		 37.72% 56.45% 1,365.69% 9.96% -1.96% -17.42% 3.97% -1.27% -11.99% -9.17%
NOPAT Growth		 34.69% 49.70% 1,479.58% 12.63% 1.25% -24.79% 4.88% 0.89% -13.27% 1.02%
Net Income Growth		 34.69% 49.70% 1,479.58% 12.63% 1.25% -24.79% 4.88% 0.89% -13.27% 1.02%
EPS Growth		 1.75% 12.71% 1,583.33% 19.15% 5.17% -21.05% 7.92% 3.57% -11.48% 2.86%
Operating Cash Flow Growth		 -16.32% 145.13% -48.12% -48.96% -1.48% -168.70% 273.84% -51.45% -98.09% 216.21%
Free Cash Flow Firm Growth		 -1,051.47% -6,759.21% 37.56% 9.50% -123.21% 44.21% 82.95% 24.38% 5.04% 225.08%
Invested Capital Growth		 15.52% 34.56% 19.08% 19.54% 26.38% 14.89% 4.33% 12.90% 19.63% -11.94%
Revenue Q/Q Growth		 6.13% 8.05% -5.07% 1.24% 2.64% 3.94% -5.35% 5.94% 0.61% -2.30%
EBITDA Q/Q Growth		 24.01% 6.16% 0.29% 9.82% -16.77% 12.37% 26.37% -9.57% 20.84% -34.80%
EBIT Q/Q Growth		 18.94% 13.48% -25.66% 9.60% 6.04% -4.42% -6.40% 4.07% -5.47% -1.36%
NOPAT Q/Q Growth		 20.43% 15.12% -25.79% 9.47% 8.26% -14.49% 3.49% 5.30% -6.93% -0.39%
Net Income Q/Q Growth		 20.43% 15.12% -25.79% 9.47% 8.26% -14.49% 3.49% 5.30% -6.93% -0.39%
EPS Q/Q Growth		 23.40% 14.66% -24.06% 10.89% 8.93% -13.93% 3.81% 6.42% -6.90% 0.00%
Operating Cash Flow Q/Q Growth		 -7.32% -55.91% -59.17% 205.94% 78.90% -130.74% 322.16% -60.27% -92.98% 1,774.88%
Free Cash Flow Firm Q/Q Growth		 48.50% -157.57% 26.83% 6.76% -27.02% 35.62% 77.64% -313.56% -59.51% 184.81%
Invested Capital Q/Q Growth		 -7.73% 18.33% 17.51% -6.82% -2.45% 7.57% 6.71% 0.84% 3.36% -20.82%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 48.69% 47.84% 38.95% 42.25% 34.26% 37.04% 38.94% 33.24% 39.92% 26.64%
EBIT Margin		 41.39% 43.46% 34.03% 36.84% 38.06% 35.00% 34.61% 34.00% 31.95% 32.26%
Profit (Net Income) Margin		 30.63% 32.63% 25.51% 27.58% 29.09% 23.93% 26.17% 26.01% 24.06% 24.53%
Tax Burden Percent		 74.00% 75.08% 74.95% 74.86% 76.43% 68.38% 75.61% 76.50% 75.32% 76.06%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.00% 24.92% 25.05% 25.14% 23.57% 31.62% 24.39% 23.50% 24.68% 23.94%
Return on Invested Capital (ROIC)		 10.86% 11.80% 7.81% 9.30% 10.47% 7.72% 7.60% 7.91% 7.36% 8.11%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.86% 11.80% 7.81% 9.30% 10.47% 7.72% 7.60% 7.91% 7.36% 8.11%
Return on Net Nonoperating Assets (RNNOA)		 1.65% 2.75% 2.45% 2.55% 3.06% 2.68% 3.60% 3.37% 2.95% 2.05%
Return on Equity (ROE)		 12.51% 14.55% 10.26% 11.85% 13.53% 10.40% 11.20% 11.28% 10.31% 10.17%
Cash Return on Invested Capital (CROIC)		 -5.98% -20.75% -8.53% -7.99% -12.96% -5.31% 3.50% -4.13% -10.22% 21.03%
Operating Return on Assets (OROA)		 1.92% 2.25% 1.60% 1.79% 1.92% 1.75% 1.73% 1.72% 1.64% 1.63%
Return on Assets (ROA)		 1.42% 1.69% 1.20% 1.34% 1.47% 1.20% 1.31% 1.31% 1.23% 1.24%
Return on Common Equity (ROCE)		 12.53% 14.57% 10.27% 11.88% 13.56% 10.42% 11.23% 11.33% 10.35% 10.20%
Return on Equity Simple (ROE_SIMPLE)		 9.25% 0.00% 12.20% 12.49% 12.93% 0.00% 11.00% 10.95% 9.81% 0.00%
Net Operating Profit after Tax (NOPAT)		 73 84 63 69 74 64 66 69 64 64
NOPAT Margin		 30.63% 32.63% 25.51% 27.58% 29.09% 23.93% 26.17% 26.01% 24.06% 24.53%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 42.01% 39.22% 40.80% 41.43% 39.79% 37.57% 40.47% 41.98% 42.92% 44.51%
Operating Expenses to Revenue		 55.50% 51.36% 54.16% 56.79% 54.72% 55.65% 59.36% 58.55% 61.17% 64.67%
Earnings before Interest and Taxes (EBIT)		 99 112 84 92 97 93 87 90 86 84
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 117 124 96 105 87 98 98 88 107 70
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.36 1.23 0.98 0.98 0.98 1.11 1.09 1.13 1.13 1.21
Price to Tangible Book Value (P/TBV)		 2.64 2.27 1.74 1.74 1.78 1.87 1.84 1.89 1.79 1.95
Price to Revenue (P/Rev)		 3.50 2.93 2.33 2.29 2.18 2.71 2.65 2.71 2.88 2.98
Price to Earnings (P/E)		 14.77 12.18 8.05 7.88 7.59 10.21 9.92 10.31 11.47 11.84
Dividend Yield		 1.20% 1.27% 1.58% 1.62% 1.67% 1.33% 1.34% 1.28% 1.18% 1.13%
Earnings Yield		 6.77% 8.21% 12.43% 12.69% 13.18% 9.80% 10.08% 9.70% 8.71% 8.45%
Enterprise Value to Invested Capital (EV/IC)		 0.89 0.89 0.67 0.64 0.79 0.76 0.79 0.81 0.83 0.79
Enterprise Value to Revenue (EV/Rev)		 2.70 2.81 2.37 2.07 2.45 2.50 2.79 2.82 2.95 2.24
Enterprise Value to EBITDA (EV/EBITDA)		 7.00 7.19 5.71 4.98 6.44 6.58 7.32 7.86 7.91 6.45
Enterprise Value to EBIT (EV/EBIT)		 8.49 8.63 6.06 5.31 6.42 6.96 7.72 7.96 8.70 6.74
Enterprise Value to NOPAT (EV/NOPAT)		 11.35 11.66 8.15 7.11 8.52 9.45 10.45 10.73 11.78 8.88
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.09 5.40 5.06 5.64 6.83 10.73 8.90 10.75 28.12 10.64
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 23.11 0.00 0.00 3.52
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.18 0.33 0.49 0.39 0.40 0.36 0.46 0.46 0.40 0.15
Long-Term Debt to Equity		 0.16 0.31 0.49 0.13 0.14 0.13 0.13 0.13 0.13 0.14
Financial Leverage		 0.15 0.23 0.31 0.27 0.29 0.35 0.47 0.43 0.40 0.25
Leverage Ratio		 8.82 8.62 8.56 8.86 9.23 8.67 8.58 8.59 8.35 8.20
Compound Leverage Factor		 8.82 8.62 8.56 8.86 9.23 8.67 8.58 8.59 8.35 8.20
Debt to Total Capital		 15.12% 24.82% 33.07% 28.05% 28.54% 26.60% 31.33% 31.55% 28.73% 12.95%
Short-Term Debt to Total Capital		 1.44% 1.31% 0.00% 18.42% 18.67% 17.42% 22.72% 22.39% 19.31% 0.78%
Long-Term Debt to Total Capital		 13.68% 23.51% 33.07% 9.63% 9.88% 9.18% 8.61% 9.16% 9.42% 12.17%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 -0.11% -0.11% -0.09% -0.23% -0.24% -0.23% -0.22% -0.31% -0.30% -0.35%
Common Equity to Total Capital		 84.99% 75.29% 67.02% 72.18% 71.70% 73.63% 68.89% 68.76% 71.57% 87.40%
Debt to EBITDA		 1.19 2.01 2.83 2.18 2.33 2.32 2.89 3.07 2.75 1.06
Net Debt to EBITDA		 -2.08 -0.31 0.09 -0.52 0.73 -0.51 0.38 0.32 0.22 -2.13
Long-Term Debt to EBITDA		 1.07 1.91 2.83 0.75 0.81 0.80 0.80 0.89 0.90 0.99
Debt to NOPAT		 1.92 3.26 4.05 3.11 3.08 3.33 4.13 4.19 4.09 1.46
Net Debt to NOPAT		 -3.38 -0.50 0.13 -0.75 0.97 -0.74 0.54 0.44 0.32 -2.93
Long-Term Debt to NOPAT		 1.74 3.09 4.05 1.07 1.07 1.15 1.14 1.22 1.34 1.37
Noncontrolling Interest Sharing Ratio		 -0.12% -0.13% -0.12% -0.21% -0.23% -0.24% -0.23% -0.39% -0.38% -0.36%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -259 -668 -489 -456 -579 -373 -83 -345 -550 466
Operating Cash Flow to CapEx		 5,194.61% 8,761.97% 3,539.39% 9,661.82% 14,482.82% -1,477.29% 2,666.34% 1,646.26% 86.56% 1,611.79%
Free Cash Flow to Firm to Interest Expense		 -26.64 -34.77 -11.14 -7.60 -8.44 -4.71 -0.96 -3.79 -5.73 5.47
Operating Cash Flow to Interest Expense		 17.23 3.85 0.69 1.54 2.41 -0.64 1.31 0.49 0.03 0.69
Operating Cash Flow Less CapEx to Interest Expense		 16.90 3.81 0.67 1.53 2.39 -0.69 1.26 0.46 -0.01 0.65
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 7.80 9.10 8.26 8.67 9.01 9.22 9.42 9.77 10.03 10.98
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 2,475 2,929 3,442 3,207 3,128 3,365 3,591 3,621 3,742 2,963
Invested Capital Turnover		 0.35 0.36 0.31 0.34 0.36 0.32 0.29 0.30 0.31 0.33
Increase / (Decrease) in Invested Capital		 333 752 551 524 653 436 149 414 614 -402
Enterprise Value (EV)		 2,208 2,595 2,293 2,054 2,471 2,542 2,844 2,925 3,095 2,340
Market Capitalization		 2,868 2,709 2,261 2,277 2,197 2,748 2,704 2,816 3,022 3,121
Book Value per Share		 $33.12 $35.81 $37.52 $37.67 $36.73 $40.80 $41.03 $41.43 $45.19 $43.97
Tangible Book Value per Share		 $17.12 $19.37 $21.12 $21.32 $20.22 $24.26 $24.44 $24.85 $28.45 $27.19
Total Capital		 2,475 2,929 3,442 3,207 3,128 3,365 3,591 3,621 3,742 2,963
Total Debt		 374 727 1,138 899 893 895 1,125 1,142 1,075 384
Total Long-Term Debt		 339 689 1,138 309 309 309 309 332 353 361
Net Debt		 -657 -110 35 -216 281 -198 148 121 84 -771
Capital Expenditures (CapEx)		 3.23 0.84 0.85 0.96 1.14 3.44 4.23 2.72 3.64 3.66
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 374 727 1,138 899 893 895 1,125 1,142 1,075 384
Total Depreciation and Amortization (D&A)		 17 11 12 13 -9.71 5.41 11 -2.03 21 -15
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.16 $1.33 $1.01 $1.12 $1.22 $1.05 $1.09 $1.16 $1.09 $1.09
Adjusted Weighted Average Basic Shares Outstanding		 63.05M 61.47M 61.51M 61.35M 60.94M 60.28M 60.35M 59.83M 59.19M 58.56M
Adjusted Diluted Earnings per Share		 $1.16 $1.33 $1.01 $1.12 $1.22 $1.05 $1.09 $1.16 $1.08 $1.08
Adjusted Weighted Average Diluted Shares Outstanding		 63.23M 61.47M 61.68M 61.41M 61.04M 60.28M 60.52M 59.96M 59.39M 58.56M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 61.59M 61.47M 61.45M 61.06M 60.73M 60.28M 60.09M 59.27M 58.90M 58.56M
Normalized Net Operating Profit after Tax (NOPAT)		 73 84 63 69 74 64 66 69 64 64
Normalized NOPAT Margin		 30.63% 32.63% 25.51% 27.58% 29.09% 23.93% 26.17% 26.01% 24.06% 24.53%
Pre Tax Income Margin		 41.39% 43.46% 34.03% 36.84% 38.06% 35.00% 34.61% 34.00% 31.95% 32.26%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 10.18 5.86 1.91 1.53 1.42 1.17 1.01 1.00 0.89 0.99
NOPAT to Interest Expense		 7.53 4.40 1.43 1.14 1.08 0.80 0.76 0.76 0.67 0.75
EBIT Less CapEx to Interest Expense		 9.85 5.81 1.89 1.51 1.40 1.13 0.96 0.97 0.85 0.95
NOPAT Less CapEx to Interest Expense		 7.20 4.35 1.41 1.13 1.07 0.76 0.71 0.73 0.63 0.71
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 16.79% 16.05% 12.96% 12.89% 12.72% 13.66% 13.44% 13.33% 13.73% 13.59%
Augmented Payout Ratio		 111.46% 105.92% 71.71% 56.94% 33.62% 33.97% 36.50% 45.20% 46.11% 50.14%

Frequently Asked Questions About WSFS Financial's Financials

When does WSFS Financial's financial year end?

According to the most recent income statement we have on file, WSFS Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has WSFS Financial's net income changed over the last 9 years?

WSFS Financial's net income appears to be on an upward trend, with a most recent value of $263.50 million in 2024, rising from $53.53 million in 2015. The previous period was $269.03 million in 2023.

How has WSFS Financial revenue changed over the last 9 years?

Over the last 9 years, WSFS Financial's total revenue changed from $257.06 million in 2015 to $1.05 billion in 2024, a change of 307.1%.

How much debt does WSFS Financial have?

WSFS Financial's total liabilities were at $18.23 billion at the end of 2024, a 0.6% increase from 2023, and a 264.4% increase since 2015.

How much cash does WSFS Financial have?

In the past 9 years, WSFS Financial's cash and equivalents has ranged from $560.99 million in 2015 to $1.65 billion in 2020, and is currently $1.15 billion as of their latest financial filing in 2024.

How has WSFS Financial's book value per share changed over the last 9 years?

Over the last 9 years, WSFS Financial's book value per share changed from 19.44 in 2015 to 43.97 in 2024, a change of 126.1%.

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This page (NASDAQ:WSFS) was last updated on 4/16/2025 by MarketBeat.com Staff
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