Stock fact sheet · data as of
WSFS Financial Corporation (WSFS): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is WSFS undervalued?
At 75.23 (close of 16 Oct 2026), WSFS trades within a few percent of the GLS average fair value of 78.48 (4.1% below fair value). 9 models produced a value and they split 4 above the price to 5 below. A stock priced at fair value earns about half of the Wheel Score's Value points; the rest of the score comes from health, moat, premium and stability.
There is a wide gap between DDM (10.89) and Graham Growth (150.80). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files WSFS under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for WSFS
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 69.64 | -7% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 85.28 | +13% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 150.80 | +100% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 50.90 | -32% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 36.28 | -52% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 133.97 | +78% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 100.02 | +33% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 10.89 | -86% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 68.54 | -9% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -335.24 | -546% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 81.50 | +8% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
WSFS Financial Corporation scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. On durability WSFS scores 5.6/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are moderate - ROIC 9.5%, ROE 10.5%, ROA 1.3% - with debt at 0.11 times equity and a free-cash-flow yield of 6.3%.
The dividend yield is 0.98% with a payout ratio of 12% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Service, Other 50%, Miscellaneous Products And Services 18%, Managed Service Fees 16% (quarter Q2 FY2026).
Institutional ownership scores 10/10, insider activity 4/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 9.5% |
|---|---|---|---|
| GLS Moat | 5.6 / 10 | ROE | 10.5% |
| Debt / equity | 0.11 | ROA | 1.3% |
| Free-cash-flow yield | 6.3% | Payout ratio | 12% |
| Institutions | 10 / 10 | Insiders · Congress | 4 · 5 / 10 |
Wheel Score 67: Good
With a Wheel Score of 67 - the Good band - WSFS Financial Corporation falls just short of the Sunday Scan's "70 or higher" rule. The parts: Value 14/25, Health 16/20, Moat 8/15, Premium 15/20, Stability 14/20; Moat (8/15) scores lowest.
Implied volatility is 30% on the near-the-money contracts 20-60 days out: some premium, but under the 35-60% range the Wheel Score pays full marks for (15 of 20 points). Chain open interest is thin - 682 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 376k shares a day on a market cap of $3.9B, with a beta of 0.75 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 14 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 14 / 25 | 4% margin of safety | |
| Health | 16 / 20 | Piotroski 7/9 | |
| Moat | 8 / 15 | moat 5.6/10 | |
| Premium | 15 / 20 | implied volatility 30% | |
| Stability | 14 / 20 | 376k shares/day, $3.9B cap, beta 0.75 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
WSFS Financial Corporation reports earnings on 22 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to WSFS Financial Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CVBF CVB Financial Corp. | 21.83 | 37.09 | +41% | 91Prime | $3.8B |
| TCBIO Texas Capital Bancshares, Inc. | 18.28 | 104.96 | +83% | 39No options | $4.0B |
| UCB United Community Banks, Inc. | 33.16 | 44.59 | +26% | 88Prime | $4.0B |
| CATY Cathay General Bancorp | 60.15 | 83.35 | +28% | 85Prime | $4.0B |
| INDB Independent Bank Corp. | 77.08 | 101.88 | +24% | 75Good | $3.7B |
| BANF BancFirst Corporation | 108.15 | 92.03 | -18% | 60Fair | $3.6B |
| ASBA Associated Banc-Corp | 24.96 | 57.59 | +57% | 39No options | $4.1B |
| BANFP BFC Capital Trust II PFD TR 7.20% | 26.55 | 61.01 | +56% | 39No options | $3.6B |
| FBP First BanCorp. | 27.19 | 38.50 | +29% | 91Prime | $4.2B |
| BMA Banco Macro S.A. | 65.03 | 93,106.43 | +100% | 76Good | $4.2B |
| SFBS ServisFirst Bancshares, Inc. | 38.07 | 51.20 | +26% | 87Prime | $4.2B |
| RNST Renasant Corporation | 38.91 | 46.68 | +17% | 73Good | $3.6B |
⚖ Compare WSFS with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about WSFS
Is WSFS undervalued right now?
Not meaningfully: at 75.23 the stock trades within a few percent of the GLS average fair value of 78.48 (4.1% below fair value, data as of 16 Oct 2026).
What is the Wheel Score of WSFS and what does it mean?
WSFS scores 67 out of 100 (Good). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for WSFS?
78.48 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does WSFS Financial Corporation report earnings next?
The next earnings report is due on 22 Oct 2026 (after the close), 6 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does WSFS have listed options, and how liquid are they?
Yes. The nightly snapshot found 156 listed contracts with 682 open interest across all expiries and implied volatility of 30% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.