Wsfs Financial Corp
WSFS Nasdaq National Commercial Banks Financials FY2016–FY2025
Last close · Oct 23, 2026
$79.02
1.9%
Revenue
Total sales reported in the income statement.
$1.1B
1.9%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
59.7%
1.3 pts
Net income
Profit after all expenses, interest and tax.
$287M
9.0%
Return on equity
Net income as a share of average shareholders' equity.
10.8%
0.4 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
$4.1B
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
13.2x
On $5.97 EPS (TTM)
What Wsfs Financial Corp does
No business description yet.
- Legal name
- WSFS FINANCIAL CORP
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 2, 2026
- Accession · CIK
- 0000828944-26-000006
0000828944
Revenue and margins
Wsfs Financial Corp had $1.1B of revenue in fiscal 2025, up 1.9% on the year before.
FY16
Revenue $322M
FY17
Revenue $379M
FY18
Revenue $456M
FY19
Revenue $709M
FY20
Revenue $715M
FY21
Revenue $642M
FY22
Revenue $964M
FY23
Revenue $1.0B
FY24
Revenue $1.0B
FY25
Revenue $1.1B
Q3 '23
Revenue $255M
Q4 '23
Revenue $265M
Q1 '24
Revenue $251M
Q2 '24
Revenue $266M
Q3 '24
Revenue $268M
Q4 '24
Revenue $262M
Q1 '25
Revenue $256M
Q2 '25
Revenue $268M
Q3 '25
Revenue $270M
Q4 '25
Revenue $272M
Q1 '26
Revenue $275M
Q2 '26
Revenue $282M
FY16
Net interest share 60.2%
Efficiency ratio 58.7%
FY17
Net interest share 58.3%
Efficiency ratio 59.7%
FY18
Net interest share 54.1%
Efficiency ratio 49.4%
FY19
Net interest share 62.7%
Efficiency ratio 58.3%
FY20
Net interest share 65.1%
Efficiency ratio 51.6%
FY21
Net interest share 67.6%
Efficiency ratio 59.0%
FY22
Net interest share 68.8%
Efficiency ratio 59.6%
FY23
Net interest share 71.4%
Efficiency ratio 55.3%
FY24
Net interest share 67.4%
Efficiency ratio 60.9%
FY25
Net interest share 68.1%
Efficiency ratio 59.7%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 71.5%
Efficiency ratio 54.7%
Q4 '23
Net interest share 67.1%
Efficiency ratio 55.6%
Q1 '24
Net interest share 69.8%
Efficiency ratio 59.4%
Q2 '24
Net interest share 65.6%
Efficiency ratio 58.5%
Q3 '24
Net interest share 66.3%
Efficiency ratio 61.2%
Q4 '24
Net interest share 68.1%
Efficiency ratio 64.7%
Q1 '25
Net interest share 68.4%
Efficiency ratio 59.3%
Q2 '25
Net interest share 67.1%
Efficiency ratio 59.6%
Q3 '25
Net interest share 68.0%
Efficiency ratio 60.3%
Q4 '25
Net interest share 68.9%
Efficiency ratio 59.6%
Q1 '26
Net interest share 67.3%
Efficiency ratio 59.1%
Q2 '26
Net interest share 68.1%
Efficiency ratio 58.9%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2016 to 2025, diluted EPS grew 10.6% a year. Loss periods are shown in red.
FY16
Net income $64.1M
FY17
Net income $50.2M
FY18
Net income $135M
FY19
Net income $149M
FY20
Net income $115M
FY21
Net income $271M
FY22
Net income $222M
FY23
Net income $269M
FY24
Net income $264M
FY25
Net income $287M
Q3 '23
Net income $74.2M
Q4 '23
Net income $63.9M
Q1 '24
Net income $65.8M
Q2 '24
Net income $69.3M
Q3 '24
Net income $64.4M
Q4 '24
Net income $64.2M
Q1 '25
Net income $65.9M
Q2 '25
Net income $72.3M
Q3 '25
Net income $76.4M
Q4 '25
Net income $72.7M
Q1 '26
Net income $86.8M
Q2 '26
Net income $84.4M
FY16
Diluted EPS $2.06
FY17
Diluted EPS $1.56
FY18
Diluted EPS $4.19
FY19
Diluted EPS $3.00
FY20
Diluted EPS $2.27
FY21
Diluted EPS $5.69
FY22
Diluted EPS $3.49
FY23
Diluted EPS $4.40
FY24
Diluted EPS $4.41
FY25
Diluted EPS $5.09
Q3 '23
Diluted EPS $1.22
Q4 '23
Diluted EPS $1.05
Q1 '24
Diluted EPS $1.09
Q2 '24
Diluted EPS $1.16
Q3 '24
Diluted EPS $1.08
Q4 '24
Diluted EPS $1.08
Q1 '25
Diluted EPS $1.12
Q2 '25
Diluted EPS $1.27
Q3 '25
Diluted EPS $1.37
Q4 '25
Diluted EPS $1.33
Q1 '26
Diluted EPS $1.64
Q2 '26
Diluted EPS $1.63
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY16
ROE 9.3%
ROTE 12.9%
Efficiency ratio 58.7%
FY17
ROE 7.1%
ROTE 9.4%
Efficiency ratio 59.7%
FY18
ROE 17.4%
ROTE 21.2%
Efficiency ratio 49.4%
FY19
ROE 11.1%
ROTE 11.6%
Efficiency ratio 58.3%
FY20
ROE 6.3%
ROTE 9.3%
Efficiency ratio 51.6%
FY21
ROE 14.6%
ROTE 19.5%
Efficiency ratio 59.0%
FY22
ROE 10.7%
ROTE 18.6%
Efficiency ratio 59.6%
FY23
ROE 11.5%
ROTE 18.3%
Efficiency ratio 55.3%
FY24
ROE 10.4%
ROTE 16.5%
Efficiency ratio 60.9%
FY25
ROE 10.8%
ROTE 16.2%
Efficiency ratio 59.7%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Wsfs Financial Corp returned $327M to shareholders in fiscal 2025, 153% of free cash flow. The diluted share count fell 5.5%.
FY16
Dividends $7.6M
Buybacks $14.3M
FY17
Dividends $9.4M
Buybacks $11.8M
FY18
Dividends $13.2M
Buybacks $31.2M
FY19
Dividends $22.5M
Buybacks $97.2M
FY20
Dividends $24.4M
Buybacks $156M
FY21
Dividends $24.2M
Buybacks $13.3M
FY22
Dividends $35.7M
Buybacks $200M
FY23
Dividends $36.7M
Buybacks $54.6M
FY24
Dividends $35.8M
Buybacks $96.3M
FY25
Dividends $37.2M
Buybacks $290M
Dividends
Buybacks
Q3 '23
Dividends $9.2M
Buybacks $15.8M
Q4 '23
Dividends $9.1M
Buybacks $10.0M
Q1 '24
Dividends $9.1M
Buybacks $21.0M
Q2 '24
Dividends $9.0M
Buybacks $40.2M
Q3 '24
Dividends $8.9M
Buybacks $14.0M
Q4 '24
Dividends $8.8M
Buybacks $21.2M
Q1 '25
Dividends $8.8M
Buybacks $54.3M
Q2 '25
Dividends $9.6M
Buybacks $78.4M
Q3 '25
Dividends $9.5M
Buybacks $47.2M
Q4 '25
Dividends $9.3M
Buybacks $110M
Q1 '26
Dividends $9.0M
Buybacks $85.8M
Q2 '26
Dividends $10.4M
Buybacks $66.8M
Dividends
Buybacks
FY16
Diluted shares 0.03B
FY17
Diluted shares 0.03B
FY18
Diluted shares 0.03B
FY19
Diluted shares 0.05B
FY20
Diluted shares 0.05B
FY21
Diluted shares 0.05B
FY22
Diluted shares 0.06B
FY23
Diluted shares 0.06B
FY24
Diluted shares 0.06B
FY25
Diluted shares 0.06B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY16
Loans $4.4B
Deposits $4.7B
FY17
Loans $4.8B
Deposits $5.2B
FY18
Loans $4.9B
Deposits $5.6B
FY19
Loans $8.4B
Deposits $9.6B
FY20
Loans $8.8B
Deposits $11.9B
FY21
Loans $7.8B
Deposits $13.2B
FY22
Loans $11.8B
Deposits $16.2B
FY23
Loans $12.6B
Deposits $16.5B
FY24
Loans $13.0B
Deposits $17.0B
FY25
Loans $13.1B
Deposits $17.6B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $7.8B | $11.8B | $12.6B | $13.0B | $13.1B |
| Deposits | $13.2B | $16.2B | $16.5B | $17.0B | $17.6B |
| Loans / deposits | 58.8% | 72.6% | 76.4% | 76.3% | 74.2% |
| Total assets | $15.8B | $19.9B | $20.6B | $20.8B | $21.3B |
| Shareholders' equity | $1.9B | $2.2B | $2.5B | $2.6B | $2.7B |
| Goodwill | $473M | $884M | $886M | $886M | $885M |
| Intangible assets | $74.4M | $129M | $119M | $102M | $84.7M |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
10 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $322M | $379M | $456M | $709M | $715M | $642M | $964M | $1.0B | $1.0B | $1.1B |
| Net interest income | $194M | $221M | $246M | $445M | $466M | $434M | $663M | $725M | $705M | $726M |
| Noninterest income | $105M | $125M | $163M | $188M | $201M | $185M | $260M | $290M | $341M | $340M |
| Noninterest expense | $189M | $226M | $225M | $413M | $369M | $379M | $574M | $562M | $638M | $636M |
| Provision for credit losses | $13.0M | $11.0M | $13.2M | $25.6M | — | — | — | — | — | — |
| Interest expense | $22.8M | $33.5M | $46.5M | $76.1M | $48.5M | $22.7M | $40.9M | $251M | — | — |
| Pretax income | $97.2M | $108M | $171M | $194M | $145M | $358M | $301M | $365M | $347M | $381M |
| Income tax | $33.1M | $58.2M | $36.1M | $46.5M | $31.6M | $86.1M | $78.0M | $96.2M | $83.8M | $93.4M |
| Net income | $64.1M | $50.2M | $135M | $149M | $115M | $271M | $222M | $269M | $264M | $287M |
| Net income to common | — | — | — | — | — | $271M | $222M | $269M | $264M | $287M |
| Diluted EPS | $2.06 | $1.56 | $4.19 | $3.00 | $2.27 | $5.69 | $3.49 | $4.40 | $4.41 | $5.09 |
| Diluted shares | 0.03B | 0.03B | 0.03B | 0.05B | 0.05B | 0.05B | 0.06B | 0.06B | 0.06B | 0.06B |
| Cash flow | ||||||||||
| Cash from operations | $80.2M | $130M | $136M | $89.9M | $15.1M | $126M | $481M | $237M | $220M | $220M |
| Capital expenditure | $9.9M | $7.7M | $5.5M | $14.2M | $7.2M | $6.6M | $8.8M | $6.4M | $14.3M | $6.4M |
| Free cash flow | $70.3M | $122M | $130M | $75.7M | $8.0M | $119M | $472M | $231M | $206M | $214M |
| Stock-based compensation | $3.0M | $3.4M | $2.3M | $3.6M | $2.7M | $5.7M | $6.3M | $9.6M | $11.9M | $12.8M |
| Acquisitions | — | — | — | — | — | $0.0M | −$574M | $3.0M | $0.0M | $0.0M |
| Share buybacks | $14.3M | $11.8M | $31.2M | $97.2M | $156M | $13.3M | $200M | $54.6M | $96.3M | $290M |
| Dividends paid | $7.6M | $9.4M | $13.2M | $22.5M | $24.4M | $24.2M | $35.7M | $36.7M | $35.8M | $37.2M |
| Dividends and buybacks | $21.9M | $21.2M | $44.5M | $120M | $180M | $37.5M | $236M | $91.4M | $132M | $327M |
| Balance sheet | ||||||||||
| Cash and short-term investments | $822M | $724M | $621M | $572M | $1.7B | $1.5B | $837M | $1.1B | $1.2B | $1.7B |
| Loans, net | $4.4B | $4.8B | $4.9B | $8.4B | $8.8B | $7.8B | $11.8B | $12.6B | $13.0B | $13.1B |
| Deposits | $4.7B | $5.2B | $5.6B | $9.6B | $11.9B | $13.2B | $16.2B | $16.5B | $17.0B | $17.6B |
| Property and equipment, net | $48.9M | $48.0M | $45.0M | $104M | $96.6M | $87.3M | $116M | $104M | $86.0M | $80.3M |
| Goodwill | $168M | $166M | $166M | $473M | $473M | $473M | $884M | $886M | $886M | $885M |
| Intangible assets | $23.7M | $22.4M | $20.0M | $95.9M | $84.6M | $74.4M | $129M | $119M | $102M | $84.7M |
| Total assets | $6.8B | $7.0B | $7.2B | $12.3B | $14.3B | $15.8B | $19.9B | $20.6B | $20.8B | $21.3B |
| Total liabilities | $6.1B | $6.3B | $6.4B | $10.4B | $12.5B | $13.8B | $17.7B | $18.1B | $18.2B | $18.6B |
| Shareholders' equity | $687M | $724M | $821M | $1.9B | $1.8B | $1.9B | $2.2B | $2.5B | $2.6B | $2.7B |
| Margins | ||||||||||
| Net margin | 19.9% | 13.2% | 29.6% | 21.0% | 16.0% | 42.3% | 23.1% | 26.5% | 25.2% | 27.0% |
| FCF margin | 21.9% | 32.3% | 28.6% | 10.7% | 1.1% | 18.6% | 49.0% | 22.7% | 19.7% | 20.0% |
| Net interest share of revenue | 60.2% | 58.3% | 54.1% | 62.7% | 65.1% | 67.6% | 68.8% | 71.4% | 67.4% | 68.1% |
| Efficiency ratio | 58.7% | 59.7% | 49.4% | 58.3% | 51.6% | 59.0% | 59.6% | 55.3% | 60.9% | 59.7% |
| Returns | ||||||||||
| Return on equity | 9.3% | 7.1% | 17.4% | 11.1% | 6.3% | 14.6% | 10.7% | 11.5% | 10.4% | 10.8% |
| Return on assets | 0.9% | 0.7% | 1.9% | 1.5% | 0.9% | 1.8% | 1.2% | 1.3% | 1.3% | 1.4% |
| Return on tangible equity | 12.9% | 9.4% | 21.2% | 11.6% | 9.3% | 19.5% | 18.6% | 18.3% | 16.5% | 16.2% |
| Growth | ||||||||||
| Revenue growth | — | 17.9% | 20.1% | 55.7% | 0.9% | −10.3% | 50.2% | 5.3% | 3.1% | 1.9% |
| Net income growth | — | −21.6% | 168.2% | 10.4% | −22.9% | 136.5% | −18.1% | 21.0% | −2.0% | 9.0% |
| EPS growth | — | −24.3% | 168.6% | −28.4% | −24.3% | 150.7% | −38.7% | 26.1% | 0.2% | 15.4% |
| FCF growth | — | 74.2% | 6.2% | −41.8% | −89.5% | 1,391.6% | 296.4% | −51.1% | −10.8% | 3.9% |
| Share count change | — | 3.9% | −0.4% | 54.1% | 2.0% | −5.6% | 33.4% | −3.8% | −2.4% | −5.5% |
| Financial health | ||||||||||
| Loans / deposits | 93.8% | 91.0% | 86.2% | 87.9% | 74.2% | 58.8% | 72.6% | 76.4% | 76.3% | 74.2% |
| Provision / loans | 0.3% | 0.2% | 0.3% | 0.3% | — | — | — | — | — | — |
| Capital allocation | ||||||||||
| Capex / revenue | 3.1% | 2.0% | 1.2% | 2.0% | 1.0% | 1.0% | 0.9% | 0.6% | 1.4% | 0.6% |
| Stock comp / revenue | 0.9% | 0.9% | 0.5% | 0.5% | 0.4% | 0.9% | 0.7% | 0.9% | 1.1% | 1.2% |
| Payouts / FCF | 31.2% | 17.3% | 34.2% | 158.1% | 2,257.3% | 31.5% | 50.0% | 39.6% | 64.2% | 153.3% |
| Quality scores | ||||||||||
| Accruals ratio | −0.2% | −1.2% | −0.0% | 0.6% | 0.7% | 1.0% | −1.4% | 0.2% | 0.2% | 0.3% |
Source: SEC EDGAR XBRL filings (CIK 0000828944). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.