WSFS Financial Corporation Financial Ratios — WSFS 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
Return on Common Equity (%)	4.96	6.78	9.97	10.78	9.78	10.69	7.74	18.44	17.41	12.11	24.64	16.86	17.61	15	14.39
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 (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	5.87	8.14	3.29	3.24	3.18	3.32	3.36	2.76	7.87	5.73	6.11	6.56	4.79	3.79	3.53
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 (%)	3.98	5.82	9.01	9.84	8.68	9.42	6.29	16.62	14.75	9.47	22.44	14.16	15.21	12.96	12.52

Credit (USD)

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	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
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	60.48	30.3	112.62	74.79	98.38	114.72	78.2	48.07	5.91	8.92	6.33	12.01	18.42	9.66	8.04
Net Debt/EBITDA	18.46	1.52	43.11	4.37	29.78	31.82	15.98	-7	-5.57	-34.21	-34.05	-1.75	-3.98	-19.38	-36.93
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.54	9.91	10.5	10.79	10.23	9.28	9.57	10.92	7.49	6.82	7.77	7.09	7.98	9	9.96
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 (%)	62.22	54.88	62.34	50.75	58.49	64.44	57.59	40.63	24.29	25.88	16.37	34.04	35.36	17.08	12.54
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 (%)	62.22	54.88	62.34	50.75	58.49	64.44	57.59	40.63	24.29	25.88	16.37	34.04	35.36	17.08	12.54
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 (%)	33.45	5.74	38.79	5.68	29.9	33.45	21.72	-11.08	-43.38	394.82	1,972.94	-8.11	-13.41	-70.44	-192.5
EBITDA	11	17	7	7	8	10	12	11	50	38	38	61	49	40	38
EBITDA-CapEx	1	9	4	2	- -	- -	4	6	36	31	31	52	42	25	31
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.54	9.91	10.5	10.79	10.23	9.28	9.57	10.92	7.49	6.82	7.77	7.09	7.98	9	9.96
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 (%)	62.22	54.88	62.34	50.75	58.49	64.44	57.59	40.63	24.29	25.88	16.37	34.04	35.36	17.08	12.54
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 (%)	62.22	54.88	62.34	50.75	58.49	64.44	57.59	40.63	24.29	25.88	16.37	34.04	35.36	17.08	12.54
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	0.23	0.25	0.3	0.3	0.31	0.32	0.33	0.33	0.29	0.25	0.26	0.25	0.26	0.29	0.3

Working Capital (USD)

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	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
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)

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	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
Market Capitalization	312	371	690	723	963	1,455	1,503	1,189	2,268	2,143	2,386	2,793	2,781	3,116	3,109
- 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	-342	-504	173	14	486	976	852	-95	1,990	834	1,096	2,685	2,579	2,320	1,662
Total Capital	1,083	961	1,259	1,063	1,376	1,765	1,580	1,333	1,211	1,316	1,463	2,136	2,532	2,246	2,415
Total Debt/Capital (%)	62.22	54.88	62.34	50.75	58.49	64.44	57.59	40.63	24.29	25.88	16.37	34.04	35.36	17.08	12.54
Total Debt / EV	-1.97	-1.05	4.54	37.59	1.66	1.17	1.07	-5.73	0.15	0.41	0.22	0.27	0.35	0.17	0.18
EV/Sales	- -	- -	0.82	0.06	1.89	3.27	2.46	- -	3.14	1.25	1.77	2.91	2.54	2.22	1.56
EV/EBITDA	- -	- -	24.81	1.99	59.37	98.43	73.21	- -	39.95	21.84	28.96	44.34	53.07	58.43	44.16
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	3.01	0.21	6.55	12.17	6.54	- -	22.15	55.1	8.72	5.58	10.88	10.55	7.56
EV/Free Cash Flow to Firm	- -	- -	2.87	0.2	5.88	10.84	6.18	- -	19.12	37.41	8.29	5.48	10.6	9.91	7.34
Diluted Market Cap	314	371	693	723	963	1,455	1,546	1,219	2,268	2,269	2,391	2,886	2,812	3,174	3,119
Diluted Enterprise Value	519	398	994	754	1,207	1,770	1,732	1,141	1,990	960	1,100	2,777	2,610	2,394	1,719
EV per Share	- -	- -	6.48	0.51	16.32	31.09	27.11	- -	38.59	17.47	23.01	43.57	42.6	39.55	29.54
TTM Sales	190	214	212	223	257	299	346	409	633	667	619	923	1,015	1,046	1,066
TTM EBITDA	11	17	7	7	8	10	12	11	50	38	38	61	49	40	38
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	87	111	60	73	83	90	138	141	104	22	132	490	243	234	226

Multiples (USD)

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	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
Price/Free Cash Flow	3.61	3.34	11.51	9.96	11.67	16.16	11.21	8.64	21.8	101.72	18.08	5.89	11.55	13.55	13.78
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-342	-504	173	14	486	976	852	-95	1,990	834	1,096	2,685	2,579	2,320	1,662
Low Price	9.97	11.98	14.06	21.25	23.59	26.4	42.45	33.75	37.19	17.84	40.64	37.03	29.59	40.2	42.44
EV/Sales	- -	- -	0.82	0.06	1.89	3.27	2.46	- -	3.14	1.25	1.77	2.91	2.54	2.22	1.56
EV/EBITDA	- -	- -	24.81	1.99	59.37	98.43	73.21	- -	39.95	21.84	28.96	44.34	53.07	58.43	44.16
Price/Earnings	15.68	12.98	15.24	13.45	17.99	22.7	29.92	8.83	15.24	18.67	8.79	12.56	10.33	11.82	10.82
Price/Earnings Average	17.47	12.44	11.17	12.69	15.45	17.22	29.01	11.34	14.63	13.26	8.61	12.93	9.03	10.81	10.63
Price/Earnings High	21.88	13.81	15.7	13.99	19.69	23.34	32.83	13.44	15.96	18.92	9.84	15.6	11.64	13.96	11.69
Price/Earnings Low	13.04	11.05	8.29	11.15	13.12	12.93	26.54	7.86	12.89	7.42	7.13	10.26	6.66	8.94	8.31
Price/Book Value	0.76	0.86	1.45	1.38	1.69	2.32	2.24	1.5	2.47	2.19	1.95	1.98	1.69	1.66	1.46
Price/Book Value Average	0.85	0.82	1.07	1.3	1.45	1.76	2.18	1.93	2.37	1.56	1.91	2.04	1.48	1.52	1.44
Price/Book Value High	1.06	0.91	1.5	1.44	1.85	2.38	2.46	2.29	2.59	2.22	2.18	2.46	1.91	1.97	1.58
Price/Book Value Low	0.63	0.73	0.79	1.14	1.23	1.32	1.99	1.34	2.09	0.87	1.58	1.62	1.09	1.26	1.13
Price/Tangible Book Value	0.87	0.96	2	1.68	1.99	2.93	2.81	1.87	1.77	1.74	1.72	2.35	1.9	1.96	1.77
Price/Tangible Book Value Average	0.97	0.92	1.47	1.58	1.7	2.22	2.72	2.41	1.7	1.24	1.68	2.42	1.66	1.79	1.74
Price/Tangible Book Value High	1.22	1.02	2.06	1.74	2.17	3.01	3.08	2.85	1.85	1.76	1.92	2.92	2.14	2.31	1.91
Price/Tangible Book Value Low	0.73	0.81	1.09	1.39	1.45	1.67	2.49	1.67	1.5	0.69	1.39	1.92	1.22	1.48	1.36
Price/Sales	1.65	1.73	3.26	3.25	3.75	4.87	4.35	2.91	3.58	3.21	3.85	3.03	2.74	2.98	2.92
Price/Sales Average	1.83	1.66	2.39	3.06	3.22	3.69	4.21	3.74	3.44	2.28	3.78	3.12	2.39	2.72	2.87
Price/Sales High	2.3	1.84	3.36	3.38	4.1	5	4.77	4.43	3.75	3.26	4.31	3.76	3.09	3.52	3.15
Price/Sales Low	1.37	1.48	1.77	2.69	2.73	2.77	3.86	2.59	3.03	1.28	3.13	2.47	1.76	2.25	2.24
Price/Cash Flow	4.09	3.6	12.02	10.65	12.98	18.15	11.55	8.77	25.24	141.55	18.99	5.81	11.73	14.17	14.13
Price/Cash Flow Average	4.56	3.45	8.81	10.05	11.15	13.76	11.2	11.28	24.22	100.51	18.61	5.98	10.25	12.96	13.88
Price/Cash Flow High	5.7	3.82	12.38	11.08	14.21	18.65	12.67	13.35	26.42	143.44	21.25	7.21	13.22	16.74	15.26
Price/Cash Flow Low	3.4	3.06	6.54	8.83	9.47	10.34	10.25	7.81	21.34	56.27	15.4	4.74	7.56	10.72	10.86
Price/Free Cash Flow Average	4.02	3.2	8.43	9.4	10.02	12.26	10.87	11.11	20.92	72.23	17.72	6.07	10.1	12.39	13.54
Price/Free Cash Flow High	5.04	3.55	11.86	10.36	12.77	16.61	12.3	13.16	22.82	103.08	20.23	7.32	13.02	16.01	14.88
Price/Free Cash Flow Low	3	2.84	6.26	8.26	8.51	9.2	9.94	7.7	18.43	40.44	14.66	4.81	7.44	10.26	10.59
EV/Sales Average	2.92	1.79	3.81	3.2	4.16	4.75	4.75	3.54	3	0.32	1.69	3	2.2	1.98	1.55
EV/Sales High	3.38	1.97	4.77	3.52	5.05	6.06	5.31	4.23	3.31	1.29	2.23	3.64	2.89	2.77	1.84
EV/Sales Low	2.45	1.6	3.19	2.83	3.68	3.83	4.39	2.4	2.59	- -	1.04	2.35	1.57	1.51	0.93
EV/EBITDA Average	49.69	21.93	115.63	98.92	130.87	143.13	141.26	128.62	38.11	5.58	27.69	45.71	45.85	52.13	43.92
EV/EBITDA High	57.57	24.16	145.04	108.61	158.65	182.65	157.75	153.61	42.08	22.59	36.46	55.49	60.34	73.07	52.01
EV/EBITDA Low	41.76	19.64	96.95	87.46	115.61	115.4	130.61	86.94	32.91	-11.96	17.03	35.88	32.71	39.75	26.25
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	11.99	14.08	25.84	25.63	32.36	46.35	47.85	37.91	43.99	44.88	50.12	45.34	45.93	53.13	55.24
High Price	16.73	14.97	26.62	26.66	35.42	47.64	52.5	57.7	46.05	45.48	56.08	56.3	51.77	62.75	59.67
Enterprise Value Average	553	382	806	714	1,070	1,419	1,644	1,450	1,899	213	1,048	2,767	2,229	2,070	1,653
Enterprise Value High	641	420	1,011	784	1,298	1,811	1,835	1,731	2,096	863	1,379	3,360	2,933	2,901	1,958
Enterprise Value Low	465	342	676	631	946	1,144	1,520	980	1,639	-457	644	2,173	1,590	1,578	988

	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
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	0.43	0.66	0.26	0.26	0.27	0.32	0.37	0.36	0.97	0.8	0.79	0.98	0.8	0.68	0.67
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	30.89
Book Value per Share	15.71	16.47	17.77	18.56	19.19	20	21.33	25.23	17.8	20.48	25.73	22.92	27.16	31.92	37.72
Tangible Book Value per Share	13.75	14.73	12.89	15.3	16.3	15.8	17.06	20.24	24.84	25.8	29.19	19.31	24.2	27.13	31.24

WSFS Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

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Per Share Data Items (USD)