WSFS Financial Corporation Financial Ratios — WF4 Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	5.24	7.02	11.25	12.33	10.01	10.11	7.12	17.44	11.14	6.3	14.55	10.73	11.5	10.41	10.79
Return on Assets (%)	0.55	0.72	1.05	1.15	1.03	1.04	0.73	1.89	1.53	0.86	1.8	1.25	1.33	1.27	1.36
Return on Capital (%)	2.09	3.11	4.43	4.89	4.44	3.99	2.91	8.99	8.54	5.44	12.6	8.7	8.56	8.34	9.59
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	18.01	22.6	34.39	32.57	32.6	32.51	31.36	41.76	30.7	21.73	57.77	32.57	35.99	33.19	35.72
Profit Margin (%)	11.96	14.65	22.14	24.13	20.83	21.45	14.52	32.94	23.51	17.21	43.84	24.09	26.52	25.2	26.97
Net Income to Common Margin (%)	10.5	13.36	21.37	24.13	20.83	21.45	14.52	32.94	23.51	17.21	43.84	24.09	26.52	25.2	26.97
Effective Tax Rate (%)	33.6	35.17	35.61	25.91	36.12	34.04	53.69	21.11	23.9	21.82	24.07	25.93	26.35	24.12	24.53
Dvd Payout Ratio (%)	19.83	14.16	9.65	8.64	11.21	11.91	18.76	9.83	15.28	21.78	8.92	16.04	13.66	13.6	12.94
Sustainable Growth Rate (%)	4.2	6.03	10.17	11.26	8.89	8.9	5.78	15.72	9.44	4.93	13.25	9.01	9.92	8.99	9.39

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	674	527	785	540	805	1,137	910	542	294	341	239	727	895	384	303
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	674	527	785	540	805	1,137	910	542	294	341	239	727	895	384	303
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.14	9.62	8.48	10.08	10.39	10.16	10.35	11.32	15.1	12.5	12.29	11.07	12.03	12.44	12.85
Long-Term Debt/Equity (%)	171.78	125.23	204.89	110.33	138.64	165.49	125.6	66	15.91	19.04	12.36	33.01	36.24	14.87	11.1
Long-Term Debt/Capital (%)	63.21	55.6	67.2	52.45	58.1	62.33	55.67	39.76	13.73	15.99	11	24.82	26.6	12.95	9.99
Long-Term Debt/Total Assets (%)	15.71	12.05	17.38	11.12	14.41	16.81	13	7.47	2.4	2.38	1.52	3.65	4.35	1.84	1.42
Total Debt/Equity (%)	171.78	125.23	204.89	110.33	138.64	165.49	125.6	66	15.91	19.04	12.36	33.01	36.24	14.87	11.1
Total Debt/Capital (%)	63.21	55.6	67.2	52.45	58.1	62.33	55.67	39.76	13.73	15.99	11	24.82	26.6	12.95	9.99
Total Debt/Total Assets (%)	15.71	12.05	17.38	11.12	14.41	16.81	13	7.47	2.4	2.38	1.52	3.65	4.35	1.84	1.42
Net Debt to Equity	52.43	6.26	78.43	6.44	41.96	45.91	25.67	-9.62	-15	-73.02	-66.52	-4.8	-7.84	-29.83	-50.95
Net Debt/Capital (%)	34.4	5.9	43.95	6.05	29.56	31.46	20.43	-10.64	-17.65	-270.66	-198.64	-5.04	-8.5	-42.52	-103.87
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.14	9.62	8.48	10.08	10.39	10.16	10.35	11.32	15.1	12.5	12.29	11.07	12.03	12.44	12.85
Long-Term Debt/Equity (%)	171.78	125.23	204.89	110.33	138.64	165.49	125.6	66	15.91	19.04	12.36	33.01	36.24	14.87	11.1
Long-Term Debt/Capital (%)	63.21	55.6	67.2	52.45	58.1	62.33	55.67	39.76	13.73	15.99	11	24.82	26.6	12.95	9.99
Long-Term Debt/Total Assets (%)	15.71	12.05	17.38	11.12	14.41	16.81	13	7.47	2.4	2.38	1.52	3.65	4.35	1.84	1.42
Total Debt/Equity (%)	171.78	125.23	204.89	110.33	138.64	165.49	125.6	66	15.91	19.04	12.36	33.01	36.24	14.87	11.1
Total Debt/Capital (%)	63.21	55.6	67.2	52.45	58.1	62.33	55.67	39.76	13.73	15.99	11	24.82	26.6	12.95	9.99
Total Debt/Total Assets (%)	15.71	12.05	17.38	11.12	14.41	16.81	13	7.47	2.4	2.38	1.52	3.65	4.35	1.84	1.42
CFO/Total Liabilities	1.96	2.61	1.39	1.55	1.48	1.32	2.07	2.11	0.86	0.12	0.91	2.71	1.31	1.21	1.18
CFO/CapEx	7.28	12.7	20.04	14.33	8.87	8.12	16.84	24.65	6.33	2.12	19.11	54.59	37	15.42	34.44
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	16.13	19.98	20.71	19.73	19.91	19.24	18.99	19.76	21.07	16.18	14.41	15.91	12.65	12.26	12.92
Days Sales Outstanding	22.62	18.27	17.63	18.5	18.33	18.97	19.22	18.48	17.32	22.55	25.33	22.94	28.85	29.76	28.25
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	468	501	484	508	561	822	724	621	572	1,647	1,528	833	1,089	1,153	1,693
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	-1	-2	-2	-3	-8	-10	-10
+ Total Debt	674	527	785	540	805	1,137	910	542	294	341	239	727	895	384	303
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	1,066	948	1,168	1,029	1,385	1,825	1,634	1,363	2,144	2,130	2,176	2,929	3,365	2,963	3,031
Total Debt/Capital (%)	63.21	55.6	67.2	52.45	58.1	62.33	55.67	39.76	13.73	15.99	11	24.82	26.6	12.95	9.99
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	190	214	212	223	257	299	346	409	633	667	619	923	1,015	1,046	1,066
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	76	103	57	68	74	80	130	136	90	15	126	481	237	220	220
TTM Free Cash Flow to Firm	66	95	55	63	66	70	122	130	76	8	119	472	231	206	214

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	26	26	27	28	30	31	31	31	52	48	48	62	61	59	53
Diluted Weighted Avg Shares	26	26	27	28	30	31	32	32	52	51	48	64	61	60	56
Basic Weighted Avg Shares	26	26	27	28	30	31	31	31	52	48	48	62	61	59	56
Revenue per Share	7.28	8.12	7.93	7.9	8.64	9.52	11.01	13.04	12.28	13.97	13	14.98	16.77	17.84	18.94
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.76	1.08	1.7	1.91	1.8	2.04	1.6	4.29	2.89	2.4	5.7	3.61	4.45	4.5	5.11
Basic EPS from Cont Ops	0.87	1.19	1.76	1.91	1.8	2.04	1.6	4.29	2.87	2.37	5.7	3.61	4.44	4.49	5.1
Diluted EPS, GAAP	0.76	1.08	1.69	1.91	1.8	2.04	1.56	4.19	2.89	2.27	5.69	3.49	4.4	4.41	5.09
Diluted EPS from Cont Ops	0.87	1.19	1.75	1.91	1.8	2.04	1.56	4.19	2.87	2.24	5.69	3.5	4.39	4.41	5.09
Dividend per Share	0.26	0.26	0.22	0.16	0.2	0.24	0.3	0.42	0.44	0.51	0.51	0.58	0.61	0.61	0.66
Cash Flow per Share	2.93	3.91	2.15	2.41	2.49	2.55	4.14	4.32	1.74	0.32	2.64	7.8	3.91	3.75	3.91
Free Cash Flow per Basic Share	2.53	3.61	2.04	2.24	2.21	2.24	3.9	4.15	1.47	0.17	2.5	7.66	3.81	3.51	3.8
Cash & Equivalents per Share	50.99	53.26	48.77	44.25	43.08	51.5	49.7	58.2	11.09	34.49	32.09	13.51	17.98	19.94	32.55
Book Value per Share	15.06	16	14.35	17.34	19.5	21.9	23.05	26.17	35.88	37.52	40.73	35.79	40.93	44.15	51.27
Tangible Book Value per Share	13.75	14.73	12.89	15.3	16.3	15.8	17.06	20.24	24.85	25.85	29.24	19.36	24.33	27.3	33.11