WSFSWSFS FINANCIAL CORP
National Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $4.0B
- Employees
- 2,335
- Net debt / EBITDA
- —
- −$1.7B net debt
- AI in 10-K
- 2.2
- mentions per 10K words
Takeover score 3 of 13
Fixable underperformance 2 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashYes77% of net incomeCash flow under 80% of net income
- Dilutive SBCNo1% of revenueOver 10% of revenue
- Payouts exceed cash flowYes149% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo4% of assetsOver 40% of assets
- Shareholder dissentNo89% lowest supportAny vote under 80% support
Buyer economics 1 of 4
- Low revenue per employeeNo$413K · 78th pctBottom quartile of its SIC industry
- Quiet on AINo2.2 per 10K words · 59th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$4.0B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$6M netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $642M | $964M | — | — | — | |
| Net income | $271M | $222M | $269M | $264M | $287M | 9.0% |
| Operating cash flow | $126M | $481M | $237M | $220M | $220M | 0.0% |
| Capex | $7M | $9M | $6M | $14M | $6M | 55% |
| Stock-based comp | $6M | $6M | $10M | $12M | $13M | 7.5% |
| Buybacks | $13M | $200M | $55M | $96M | $290M | 201% |
| Dividends | $24M | $36M | $37M | $36M | $37M | 3.8% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $6M · 9
- Net
- −$6M
Pay vs performance
No pay-versus-performance disclosure yet.