WSFS Financial

WSFS · Nasdaq · Financials · Financials, fiscal 2016 to 2025

WSFS · Last close · November 6, 2026

$78.94

WSFS Financial's revenue rose 1.9% to $1.1 billion in fiscal 2025. Net income was $287 million, up 9.0%. Its return on equity was 10.8%, up from 10.4% a year earlier. Its efficiency ratio was 59.7%, down from 60.9% a year earlier. It paid out $327 million in dividends and buybacks. The diluted share count fell 5.5%.

WSFS FINANCIAL CORPORATION Latest fiscal year ended December 31, 2025 10-K filed March 2, 2026 · 0000828944-26-000006 Updated November 5, 2026

Revenue

$1.1B

1.9%

Net income

$287M

9.0%

Return on equity

10.8%

0.4 pts

Return on tangible equity

17.1%

0.1 pts

Efficiency ratio

59.7%

1.3 pts

Market cap

$4.0B

Nov 6 close

P/E

12.4x

On $6.36 EPS, 4 qtrs

Return on equity is net income as a share of shareholders' equity; return on tangible equity leaves out goodwill and other intangible assets. The efficiency ratio is operating costs as a share of revenue, so lower means the bank spends less to earn each dollar. Market cap is the last closing share price times the latest diluted share count, so it is approximate. P/E is the last close divided by diluted earnings per share over the last four quarters, or the latest fiscal year where the quarters aren't available; there is none when the company made a loss.

Charts show fiscal years, from the 10-K filings.

Income statement

Revenue and net income

US$ billions, fiscal years; net losses in red. Revenue on the left axis, net income on the right; zero is the same line on both. Revenue is net of interest expense.

Revenue (left axis)Net income (right axis)

Efficiency ratio and net interest income

Percent of revenue. The efficiency ratio is noninterest expense over revenue.

Efficiency ratioNet interest income share

From fiscal 2016 to 2025, earnings per share grew 10.6% a year and net income 18.1% a year, as new shares raised the share count by 82% and diluted each share's earnings.

Diluted earnings per share

US$ per share, fiscal years, restated for any stock splits; loss years in red.

Return on equity

Percent. Net income over average equity; tangible equity excludes goodwill, intangibles and preferred stock.

Return on equityReturn on tangible common equity

Balance sheet

Loans and deposits

US$ billions, at each fiscal year end

Loans, netDeposits

Total assets and shareholders' equity

US$ billions, at each fiscal year end. Assets on the left axis, equity on the right.

Total assets (left axis)Equity (right axis)

Five years at a glance

Fiscal year end	FY21	FY22	FY23	FY24	FY25
Loans, net	7,792	11,760	12,583	12,996	13,082
Deposits	13,240	16,204	16,474	17,030	17,642
Loans to deposits	58.9%	72.6%	76.4%	76.3%	74.2%
Provision for credit losses	−117	48	88	61	49
Provision to average loans	−1.4%	0.5%	0.7%	0.5%	0.4%
Total assets	15,777	19,915	20,595	20,814	21,314
Shareholders' equity	1,939	2,205	2,478	2,590	2,738

US$ millions unless stated, at each fiscal year end.

Cash flow

Stock-based compensation and buybacks

US$ billions, fiscal years. Shares paid to employees (stock-based compensation, a cost that uses no cash) against cash spent buying shares back. Buybacks that only match it leave the share count roughly where it was.

Stock-based compensationShare buybacks

Dividends and buybacks

US$ billions, cash paid in each fiscal year

DividendsShare buybacks

Diluted share count

Weighted-average diluted shares, millions

Projections

Project WSFS Financial's revenue, net income and earnings per share five years ahead in a bull, a base and a bear case with your own figures, and see the share prices your P/E estimates give them. Every projected figure is yours: it is not a forecast of ours.

Open WSFS Financial's projections

Insider trades

Over the 12 months between November 7, 2025 and November 6, 2026, no insider bought WSFS Financial shares on the open market, and 5 insiders sold $5.6 million, $4.9 million of it under trading plans set up in advance.

Buys and sells by month

US$ millions, open-market purchases (up) and sales (down) by officers, directors and 10% owners in each month.

BoughtSold

Date	Insider	Trade	Shares	Price	Value	Filing
Sep 10, 2026	Michael J DonahueDirector	Sold	3,247	$79.46	$258,007	Form 4
Jul 28, 2026	Shari KruzinskiEVP, Chief Consumer Bk Officer	Sold	3,500	$81.74	$286,090	Form 4
Jun 10, 2026	Rodger LevensonPresident & CEO	Sold plan	65,446	$74.11	$4.9 million	Form 4
Feb 9, 2026	Arthur J BacciEVP, COO	Sold	2,005	$70.51	$141,373	Form 4
Feb 5, 2026	Shari KruzinskiEVP, Chief Consumer Bk Officer	Sold	1,000	$70.10	$70,100	Form 4
Feb 5, 2026	James J WechslerEVP Chief Comm'l Banking Ofc	Sold	450	$69.90	$31,455	Form 4

Open-market purchases and sales by officers, directors and 10% owners, from their Form 4 filings with the SEC: one row per person, day and filing, at the day's average price. Grants, option exercises and shares withheld for tax aren't counted. Insiders buy and sell for many reasons, such as taxes, spreading their savings or a plan set up months earlier, so a trade on its own says little about where a company is heading. For information only, not investment advice. Insider trades at all companies

Compare

Put WSFS Financial side by side with any other company we cover: revenue, growth, margins, cash flow and returns, with ten years of charts.

Similar companies

Company	Year	Revenue growth	Net margin	Return on equity	Return on tangible equity	Efficiency ratio	Compare
WSFS Financial	FY25	1.9%	27.0%	10.8%	17.1%	59.7%
United Community Banks	FY25	11.7%	30.9%	9.3%	12.2%	55.7%	Compare
First Interstate BancSystem	FY25	5.9%	28.5%	8.9%	13.3%	60.5%	Compare
Home BancShares	FY25	7.2%	43.6%	11.5%	17.4%	42.0%	Compare
BankUnited	FY25	7.9%	24.6%	9.2%	8.9%	60.7%	Compare

Each company's latest fiscal year. Fiscal years end in different months, so the periods don't line up exactly.

10 years of figures

Fiscal year	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Income statement
Revenue	322	379	456	709	715	642	964	1,015	1,046	1,066
Revenue growth	17.9%	17.9%	20.1%	55.7%	0.9%	−10.3%	50.2%	5.3%	3.1%	1.9%
Net interest income	194	221	246	445	466	434	663	725	705	726
Noninterest income	105	125	162	188	201	186	260	290	341	340
Noninterest expense	189	226	225	413	369	378	574	562	638	636
Provision for credit losses	—	—	13	26	153	−117	48	88	61	49
Net income	64	50	135	149	115	271	222	269	264	287
Diluted EPS (US$)	2.06	1.56	4.19	3.00	2.27	5.69	3.49	4.40	4.41	5.09
Diluted shares (millions)	31	32	32	50	50	48	64	61	60	56
Payouts
Dividends paid	8	9	13	22	24	24	36	37	36	37
Share buybacks	14	12	31	97	156	13	200	55	96	290
Balance sheet at fiscal year end
Loans, net	4,444	4,776	4,864	8,424	8,796	7,792	11,760	12,583	12,996	13,082
Deposits	4,738	5,248	5,640	9,587	11,857	13,240	16,204	16,474	17,030	17,642
Total assets	6,765	7,000	7,249	12,256	14,334	15,777	19,915	20,595	20,814	21,314
Shareholders' equity	687	724	821	1,850	1,792	1,939	2,205	2,478	2,590	2,738
Ratios
Return on equity	10.1%	7.1%	17.4%	11.1%	6.3%	14.6%	10.7%	11.5%	10.4%	10.8%
Return on tangible common equity	13.1%	9.7%	23.0%	15.5%	9.1%	20.7%	17.2%	20.2%	17.1%	17.1%
Return on assets	1.0%	0.7%	1.9%	1.5%	0.9%	1.8%	1.2%	1.3%	1.3%	1.4%
Efficiency ratio	58.7%	59.7%	49.4%	58.2%	51.6%	59.0%	59.6%	55.3%	60.9%	59.7%

US$ millions unless stated. Where a later 10-K restated a year, the latest filed figure is shown. Download all figures (CSV, US$ millions)

Source: WSFS Financial's Form 10-K filings, from SEC EDGAR. For information only, not investment advice. The Filing Desk is not affiliated with WSFS Financial.