At a glance
WSFS Financial Corporation is worth $4.01B, about 15 times its fiscal 2025 earnings. Revenue grew 1.9% to $1.07B in fiscal 2025, with 27.0% kept as profit; over 5 years it has grown 8.3% a year. It pays a 0.94% dividend yield, and returned $824.3M to shareholders in dividends and buybacks over FY2021–FY2025. The stock returned +47.6% over the past year with dividends reinvested and +10.1% a year over five years, against +11.5% and +11.7% for the S&P 500. At its worst it fell 52.3% in the 2020 crash (S&P 500: 33.7%) and 32.2% in the 2022 bear market (S&P 500: 24.5%), and was back at its earlier high 8 months and 26 months after the lows.
The business in plain English
WSFS Financial is the holding company for Wilmington Savings Fund Society, FSB, a bank founded in 1832 and based in Wilmington, Delaware. As of December 31, 2025, it had $21.3 billion in assets and served clients from 113 offices, mostly in Pennsylvania (58), Delaware (37) and New Jersey (14). It calls itself the largest locally managed bank and trust company headquartered in the Greater Philadelphia and Delaware region.
Most of its money comes from net interest income: the gap between the interest it earns on loans and investments and the interest it pays on deposits. In 2025 that was about $726 million of roughly $1.07 billion in revenue. At the end of 2025, commercial loans and leases made up $10.0 billion of the bank segment's $12.6 billion loan book. A majority-owned unit, NewLane Finance, leases equipment to small businesses nationwide.
The other roughly $340 million was noninterest income, meaning fees and similar revenue. WSFS also runs two other segments. Cash Connect supplies and manages cash for about 24,000 non-bank ATMs and 11,900 smart safes (safes that check and hold cash automatically) across the US. Wealth and Trust, led by the Bryn Mawr Trust brand, offers investment management, trust and planning services to affluent individuals and institutions, with $97.4 billion in assets under management and administration.
Price history
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WSFS +47.6% over the year to Oct 28, 2026, total return with dividends reinvested.
Latest results
- In Q2 FY2026 (ended Jun 30, 2026), revenue was $282.5M, up 5.6% from a year earlier, and net income was $84.4M (+16.7%).
- For fiscal 2025, revenue was $1.07B (+1.9% year over year; +8.3% a year from FY2020 to FY2025) with a 27% net margin.
Financial health check
| Revenue growth a year (FY2020–FY2025) | +8.3% good |
|---|---|
| Return on equity | 10.5% watch |
| Net income / revenue | 27% good |
| Deposits | $19.00B |
| Loans | $13.29B |
| Fiscal year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2020 | $715.4M | $114.8M | — |
| FY2021 | $641.8M | $271.4M | — |
| FY2022 | $963.9M | $222.4M | — |
| FY2023 | $1.01B | $269.2M | — |
| FY2024 | $1.05B | $263.7M | — |
| FY2025 | $1.07B | $287.3M | — |
Valuation snapshot
| Market value | $4.01B |
|---|---|
| P/E ratio | 15.4 |
| Dividend yield | 0.94% |
Rank among 1514 US companies
Market value at each year end
WSFS Financial’s market value went from $1.45B at the end of 2016 to $4.01B on Oct 28, 2026, about 2.8 times as much; since the end of 2025 it is up 33%.
Show as a table
| Year end | Market value | Change |
|---|---|---|
| Oct 28, 2026 | $4.01B | +32.7% |
| 2025 | $3.02B | -3.5% |
| 2024 | $3.13B | +12.2% |
| 2023 | $2.79B | -0.1% |
| 2022 | $2.79B | +17.1% |
| 2021 | $2.38B | +5.4% |
| 2020 | $2.26B | -1.4% |
| 2019 | $2.29B | +92.9% |
| 2018 | $1.19B | -20.8% |
| 2017 | $1.50B | +3.5% |
| 2016 | $1.45B |
Price behavior
| YTD | 1 yr | 3 yr | 5 yr | 10 yr | |
|---|---|---|---|---|---|
| WSFS price data to Oct 28, 2026 | +43.1% | +47.6% | +33.8% | +10.1% | +10.1% |
Show as a table
| Year | Price data |
|---|---|
| 2026 (to date) | +43.1% |
| 2025 | +5.2% |
| 2024 | +17.1% |
| 2023 | +2.9% |
| 2022 | -8.4% |
| 2021 | +12.9% |
| 2020 | +3.6% |
| 2019 | +17.3% |
| 2018 | -20.1% |
| 2017 | +3.9% |
| 2016 | +44.3% |
| 2015 | +27.2% |
| 2014 | -0.1% |
| 2013 | +85.1% |
| 2012 | +18.6% |
| 2011 | -23.9% |
| 2010 | +85.9% |
| 2009 | -46.3% |
| 2008 | -4.1% |
| 2007 | -24.8% |
| 2006 | +9.4% |
| 2008 financial crisis stocks fell Oct 9, 2007 – Mar 9, 2009 | Lost 74.3% over that stretch · deepest drop along the way 74.4%, back to its old high 55.6 months after the low |
|---|---|
| 2020 COVID crash stocks fell Feb 19, 2020 – Mar 23, 2020 | Lost 51.4% over that stretch · deepest drop along the way 52.3%, back to its old high 8.1 months after the low |
| 2022 bear market stocks fell Jan 3, 2022 – Oct 12, 2022 | Lost 12.6% over that stretch · deepest drop along the way 32.2%, back to its old high 26.2 months after the low |
Insider activity
Form 4 filings from 2025-10-29 to 2026-10-29 (25 read): 0 open-market purchases and 4 sales ($5.4M), 2 of them under pre-arranged 10b5-1 trading plans.
| Date | Insider | Type | Value |
|---|---|---|---|
| Jun 10, 2026 | Rodger Levenson President & CEO | sell (plan) | $3.7M |
| Jun 10, 2026 | Rodger Levenson President & CEO | sell (plan) | $1.1M |
| Jul 28, 2026 | Shari Kruzinski EVP, Chief Consumer Bk Officer | sell | $286K |
| Sep 10, 2026 | Michael J Donahue Director | sell | $258K |
Who owns it
Large shareholders (13G filings)
| Vanguard Portfolio Management | 6.23% | Mar 31, 2026 |
| Vanguard Capital Management | 5.27% | Mar 31, 2026 |
ETFs with the most weight in WSFS
| FDIQ Invesco Bloomberg Financial Data Providers ETF | 1.99% |
| QABA First Trust NASDAQ ABA Community Bank Index Fund | 1.6% |
| JPSV JPMorgan Active Small Cap Value ETF | 0.9% |
| SCDS JPMorgan Fundamental Data Science Small Core ETF | 0.9% |
| PSCF Invesco S&P SmallCap Financials ETF | 0.89% |
| GRPZ Invesco S&P SmallCap 600 GARP ETF | 0.86% |
| XSVM Invesco S&P SmallCap Value with Momentum ETF | 0.71% |
| SVAL iShares US Small Cap Value Factor ETF | 0.56% |
What could go wrong
- Theft or loss at Cash Connect. Cash Connect manages about $1.3 billion in cash inside ATMs and smart safes nationwide. If controls fail to stop that money being stolen or misused, and insurance falls short, WSFS absorbs the loss.
- Heavy weighting to riskier commercial loans. As of December 31, 2025, $10.0 billion of the bank's $12.6 billion loan book was commercial, including property, business and construction loans. These carry a higher risk of default than home mortgages.
- Tied to one regional economy. Most offices and loans are in the Greater Philadelphia and Delaware region. A local recession or fall in property values there would hit loan repayments and deposits at the same time.
- Wealth fees fall when markets fall. Wealth and Trust oversaw $97.4 billion in client assets at the end of 2025. Market declines, or clients drawing down savings, shrink those assets and the fees earned on them.
- Deposits may not keep pace with lending. WSFS funds its loans mainly with deposits, which totaled about $19.0 billion as of June 30, 2026. If deposits shrink or stop growing, it may need costlier funding, squeezing profits and lending.
- Interest rate swings hit core earnings. Most revenue comes from net interest income, which moves with rates. The Federal Reserve cut rates three times in 2025. Shifts can shrink the gap between loan yields and deposit costs, and hurt bond values.
Recent events
- Quarterly results released; Investor presentation or announcement
- Executive or board change; Investor presentation or announcement
- Quarterly results released; Investor presentation or announcement
- Investor presentation or announcement
- Shareholder vote results
- Quarterly results released; Investor presentation or announcement
- Other company announcement
- Quarterly results released; Investor presentation or announcement
- Other company announcement
- Investor presentation or announcement
For income and retirement investors
WSFS pays a small but rising dividend. Regular dividends grew from $0.48 per share in 2020 to $0.66 in 2025, about 6.6% a year, but held at $0.60 in 2023 and 2024, so the streak of increases was one year after 2025. The dividend used only about 12.9% of 2025 earnings, and the yield was 0.94% as of October 28, 2026. Buybacks matter more: WSFS spent $654.6 million repurchasing shares over 2021–2025, against $169.7 million in dividends. Even so, the share count rose 7.4% between October 2021 and July 2026.
The share price has fallen hard in past downturns. It dropped 74.4% in the 2008 financial crisis and took about 56 months to recover. It fell 52.3% in the 2020 COVID crash, regaining its peak in about 8 months, and lost 32.2% in the 2022 bear market, taking about 26 months to recover. As a single stock, WSFS carries more risk than a diversified fund.
Questions investors ask
How does WSFS Financial make money?
Mostly from lending. In 2025, about $726 million of WSFS's roughly $1.07 billion in revenue was net interest income, the difference between what it earns on loans and investments and what it pays on deposits. The other roughly $340 million was noninterest income, mainly fees, from businesses such as Wealth and Trust and Cash Connect, which supplies cash to ATMs. Its loan book leans toward commercial borrowers, with $10.0 billion in commercial loans and leases as of December 31, 2025.
Does WSFS raise its dividend every year?
No. WSFS raised its regular dividend from $0.48 per share in 2020 to $0.66 in 2025, an average gain of about 6.6% a year, but kept it at $0.60 in both 2023 and 2024. That left a one-year streak of increases after 2025. The payout was modest, using about 12.9% of 2025 earnings, and the yield was 0.94% as of October 28, 2026. Over 2021–2025, WSFS spent $654.6 million on buybacks versus $169.7 million on dividends.
What is WSFS Cash Connect?
Cash Connect is WSFS's cash logistics business and one of its three reporting segments. It supplies the cash held inside ATMs, known as vault cash, and services smart safes, which automatically accept, check and hold cash. As of December 31, 2025, it managed about $1.3 billion in cash, serving about 24,000 non-bank ATMs and 11,900 smart safes nationwide, plus 488 ATMs for WSFS Bank clients. WSFS lists theft or misuse of these funds as a specific risk.
How has WSFS stock performed?
Strongly over the past year, unevenly over the long run. Based on share price, WSFS rose 47.6% in the year to October 28, 2026, and gained about 10.1% a year over both the past five and ten years. It has also fallen hard: 74.4% in the 2008 financial crisis, with about 56 months to recover, 52.3% in the 2020 COVID crash and 32.2% in the 2022 bear market. Calendar-year results ranged from a 46.3% loss in 2009 to an 85.9% gain in 2010.
What is WSFS's P/E ratio?
About 15.4 as of October 28, 2026. The price-to-earnings ratio compares the share price with profit per share. Here it uses 2025 earnings of $5.09 per diluted share. WSFS's market value was about $4.0 billion on that date. Second-quarter 2026 net income was $84.4 million, up 16.7% from a year earlier. Return on equity, which measures profit against shareholders' capital, was 10.5% in 2025.