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Upturn AI SWOT - About
WSFS 
WSFS Financial Corporation (WSFS)
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Upturn Advisory Summary
03/27/2025: WSFS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -7.56% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.11B USD | Price to earnings Ratio 12.02 | 1Y Target Price 64 |
Price to earnings Ratio 12.02 | 1Y Target Price 64 | ||
Volume (30-day avg) 329223 | Beta 1.05 | 52 Weeks Range 40.86 - 62.59 | Updated Date 03/27/2025 |
52 Weeks Range 40.86 - 62.59 | Updated Date 03/27/2025 | ||
Dividends yield (FY) 1.13% | Basic EPS (TTM) 4.4 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.77% | Operating Margin (TTM) 35.55% |
Management Effectiveness
Return on Assets (TTM) 1.27% | Return on Equity (TTM) 10.44% |
Valuation
Trailing PE 12.02 | Forward PE 12.02 | Enterprise Value 2459610112 | Price to Sales(TTM) 3.16 |
Enterprise Value 2459610112 | Price to Sales(TTM) 3.16 | ||
Enterprise Value to Revenue 3.33 | Enterprise Value to EBITDA - | Shares Outstanding 58557600 | Shares Floating 57826173 |
Shares Outstanding 58557600 | Shares Floating 57826173 | ||
Percent Insiders 1.13 | Percent Institutions 93.55 |
Analyst Ratings
Rating 3.8 | Target Price 61.8 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
WSFS Financial Corporation
Company Overview
History and Background
WSFS Financial Corporation was founded in 1832 as Wilmington Savings Fund Society. It has grown through organic expansion and acquisitions, evolving from a savings bank into a diversified financial services provider.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including loans, deposits, and cash management solutions to businesses of all sizes.
- Retail Banking: Offers a variety of retail banking products and services, such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides wealth management services, including investment management, financial planning, and trust services to individuals and families.
- Cash Connect: Provides ATM services and solutions.
Leadership and Structure
The leadership team consists of Rodger Levenson (Chairman, President & CEO) and other executive officers. The organizational structure includes various divisions and departments reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, expansion, and acquisitions. Market share data is not readily available. Competitors include regional and national banks.
- Mortgage Lending: Offers mortgage loans to individuals for purchasing or refinancing homes. Market share data is not readily available. Competitors include national mortgage lenders and other banks.
- Wealth Management Services: Provides investment management, financial planning, and trust services to high-net-worth individuals. Market share data is not readily available. Competitors include national wealth management firms and other banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Fintech companies are also increasingly disrupting the industry.
Positioning
WSFS Financial Corporation is a regional bank with a strong presence in the Delaware Valley. It differentiates itself through customer service and a focus on community banking.
Total Addressable Market (TAM)
The TAM for banking services in the Delaware Valley is estimated to be in the billions of dollars. WSFS Financial Corporation is positioned to capture a share of this market through its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Customer-focused approach
- Diversified revenue streams
- Experienced management team
Weaknesses
- Limited geographic reach compared to national banks
- Smaller market capitalization
- Dependence on regional economy
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisition of smaller banks
- Growth in wealth management services
Threats
- Increased competition from national banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- TD
- C
- KEY
Competitive Landscape
WSFS Financial Corporation competes with larger national banks and smaller regional banks. Its advantages include its local presence and customer service.
Major Acquisitions
Bryn Mawr Bank Corporation
- Year: 2022
- Acquisition Price (USD millions): 976.4
- Strategic Rationale: Expanded WSFS's presence in the Philadelphia region and increased its wealth management capabilities.
Growth Trajectory and Initiatives
Historical Growth: WSFS Financial Corporation has grown through organic expansion and acquisitions.
Future Projections: Analyst estimates are not readily available, but future growth is expected to be driven by continued expansion and improved efficiency.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
WSFS Financial Corporation is a regional bank with a strong presence and customer-focused approach. While it faces competition from larger national banks, its diversified revenue streams and strategic acquisitions support its growth. Potential threats include economic downturns and rising interest rates, necessitating careful risk management.
Similar Companies
- PNC
- TD
- C
- KEY
- PBCT
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Third-party financial data providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share is based on estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About WSFS Financial Corporation
Exchange NASDAQ | Headquaters Wilmington, DE, United States | ||
IPO Launch date 1990-03-26 | Chairman, President & CEO Mr. Rodger Levenson | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2309 | Website https://www.wsfsbank.com |
Full time employees 2309 | Website https://www.wsfsbank.com | ||
WSFS Financial Corporation operates as the savings and loan holding company for the Wilmington Savings Fund Society, FSB that provides various banking services in the United States. It operates through WSFS Bank, Cash Connect, and Wealth Management segments. It offers various deposit products, including savings accounts, demand deposits, interest-bearing demand deposits, money market deposit accounts, and certificates of deposit, as well as accepts jumbo certificates of deposit from individuals, businesses, and municipalities. The company also provides various loans, which comprise fixed and adjustable rate residential loans; commercial mortgage and commercial loans; commercial construction loans; commercial loans for working capital, financing equipment and real estate acquisitions, business expansion and other business purposes; and consumer credit products, such as home equity loans, home equity lines of credit, automobile loans, unsecured lines of credit, and other secured and unsecured personal installment loans. In addition, it offers insurance products; planning and advisory services, investment management, trust services, and credit and deposit products to individual, corporate and institutional clients; retail securities and insurance brokerage services; mortgage and title services; residential mortgage and refinancing solutions; and leases small equipment and fixed assets, as well as provides financial planning, customized investment strategies, brokerage products, fiduciary, and wealth management services. Further, the company provides ATM vault cash, smart safe, and other cash logistics services; and online reporting and ATM cash management, predictive cash ordering and reconcilement services, armored carrier management, loss protection, and deposit safe cash logistics services, as well as trustee, agency, bankruptcy administration, custodial and commercial domicile services. The company was founded in 1832 and is headquartered in Wilmington, Delaware.
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