$71.69

+0.00 (+0.00%)

Weekly Expected Move ±2.3%

$67 $68 $70 $71 $73

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 60 · $3.7B mcap · 51M float · 0.802% daily turnover · Short 53% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NARROW EDGE

61.8 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 18.4% · 5Y Avg: 20.0%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. WSFS has a Narrow competitive edge (61.8/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Cost Advantage. ROIC of 18.4% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$76

Low

$79

Avg Target

$81

High

Based on 3 analysts since Apr 23, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 4Hold: 9Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$79.00

Analysts3

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-05-06	Piper Sandler	Manuel Navas	$67	$80	+13	+11.3%	$71.85
2026-04-27	UBS	—	Initiated	$76	—	+5.3%	$72.19
2026-04-27	Stephens	—	$71	$81	+10	+11.5%	$72.63
2026-01-29	Piper Sandler	—	$62	$67	+5	+7.7%	$62.23
2026-01-28	Stephens	—	$62	$71	+9	+15.1%	$61.67
2025-12-17	Piper Sandler	—	$55	$62	+7	+8.3%	$57.25
2024-07-30	Piper Sandler	Frank Schiraldi	$51	$55	+4	-2.9%	$56.67
2024-07-29	Stephens	Russell Gunther	$52	$62	+10	+9.0%	$56.90
2022-11-30	Janney Montgomery	—	Initiated	$57	—	+17.5%	$48.51
2022-04-25	Stephens	—	Initiated	$52	—	+25.5%	$41.42
2022-04-25	Piper Sandler	—	Initiated	$51	—	+21.6%	$41.94

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. WSFS receives an overall rating of B+. Strongest factors: DCF (4/5), ROE (4/5), ROA (4/5). Areas of concern: P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-04-30	A-	B+
2026-04-27	B+	A-
2026-04-23	A-	B+
2026-03-04	B+	A-
2026-03-02	A-	B+
2026-02-26	B+	A-
2026-02-24	A-	B+
2026-02-17	B+	A-
2026-02-13	B	B+
2026-02-06	B+	B

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 56 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. WSFS scores highest in Earnings Quality (92/100) and lowest in Balance Sheet (46/100). An overall grade of A places WSFS among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.22

Grey Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✗ ✓ ✗ ✓ ✓ ✗

Beneish M-Score

-3.43

Unlikely Manipulator

Ohlson O-Score

-3.77

Bankruptcy prob: 2.3%

Low Risk

Credit Rating

A+

Score: 77.3/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 0.97x

Accruals: 0.1%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. WSFS scores 2.22, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. WSFS scores 6/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. WSFS's score of -3.43 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. WSFS's implied 2.3% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. WSFS receives an estimated rating of A+ (score: 77.3/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). WSFS's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

12.33x

PEG

0.49x

P/S

2.74x

P/B

1.40x

P/FCF

11.86x

P/OCF

11.66x

EV/EBITDA

5.67x

EV/Revenue

1.77x

EV/EBIT

5.92x

EV/FCF

8.25x

Earnings Yield

8.88%

FCF Yield

8.43%

Shareholder Yield

10.47%

Graham Number

$82.03

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 12.3x earnings, WSFS trades at a reasonable valuation. An earnings yield of 8.9% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $82.03 per share, suggesting a potential 14% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.755

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.300

EBIT / Rev

Asset Turnover

0.065

Rev / Assets

Equity Multiplier

7.922

Assets / Equity

ROE

11.6%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. WSFS's ROE of 11.6% is driven by financial leverage (equity multiplier: 7.92x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

8.47%

Fair P/E

25.43x

Intrinsic Value

$147.84

Price/Value

0.44x

Margin of Safety

55.72%

Premium

-55.72%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with WSFS's realized 8.5% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $147.84, WSFS appears undervalued with a 56% margin of safety. The adjusted fair P/E of 25.4x compares to the current market P/E of 12.3x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$71.69

Median 1Y

$73.24

5th Pctile

$40.06

95th Pctile

$134.29

Ann. Volatility

39.1%

Analyst Target

$79.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Rodger Levenson Chairman, President and Chief Executive Officer	$1,004,500	$2,562,293	$5,173,260
David Burg Financial Vice President and Chief Financial Officer	$580,990	$544,545	$2,004,701
Arthur J. Bacci Executive Vice President and Chief Operating Officer	$611,925	$575,137	$1,777,367
Lisa Brubaker Human tive Vice President and Chief Human Resources Officer	$427,800	$402,692	$1,250,237
Shari Kruzinski Consumer e Vice President and Chief Consumer Banking Officer	$412,051	$387,328	$1,203,358

CEO Pay Ratio

Insufficient data for pay ratio.

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

—

-100.0% YoY

Revenue / Employee

—

Rev: $1,359,586,000

Profit / Employee

—

NI: $287,349,000

SGA / Employee

—

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	14.9%	15.1%	14.6%	11.3%	9.4%	10.4%	10.7%	13.6%	13.9%	14.0%	11.5%	11.6%	11.7%	11.2%	10.4%	10.4%	10.5%	11.0%	10.8%	11.6%	11.59%
ROA	2.0%	2.1%	1.8%	1.4%	1.2%	1.3%	1.2%	1.6%	1.6%	1.6%	1.3%	1.3%	1.3%	1.3%	1.3%	1.3%	1.3%	1.3%	1.4%	1.5%	1.46%
ROIC	55.9%	56.7%	41.7%	32.3%	27.0%	29.9%	10.6%	13.4%	13.8%	13.8%	11.8%	11.9%	11.9%	11.5%	14.6%	14.6%	14.8%	15.5%	17.2%	18.4%	18.44%
ROCE	14.4%	14.7%	14.1%	10.9%	9.2%	10.3%	8.1%	10.2%	10.4%	10.4%	9.0%	9.0%	9.0%	8.7%	9.3%	9.3%	9.4%	9.8%	10.4%	11.1%	11.12%
Gross Margin	1.4%	1.1%	1.0%	88.0%	93.7%	93.1%	88.3%	74.9%	75.3%	73.1%	69.8%	69.8%	69.4%	68.3%	73.2%	71.9%	74.6%	76.3%	75.9%	81.4%	81.40%
Operating Margin	78.4%	47.4%	45.3%	2.8%	35.9%	39.9%	40.4%	28.9%	29.7%	30.0%	27.0%	25.8%	25.4%	23.5%	24.3%	26.3%	28.0%	29.2%	28.5%	34.3%	34.30%
Net Margin	58.9%	35.8%	35.4%	1.9%	26.2%	29.6%	30.3%	21.6%	22.3%	22.9%	18.6%	19.5%	19.4%	17.7%	18.5%	19.9%	21.2%	22.2%	21.3%	26.0%	26.02%
EBITDA Margin	83.9%	53.2%	52.2%	13.9%	42.2%	44.7%	44.5%	33.0%	34.0%	33.5%	30.4%	29.1%	28.1%	26.2%	27.1%	29.1%	30.7%	31.7%	28.5%	34.3%	34.30%
FCF Margin	2.4%	37.5%	18.6%	15.8%	35.8%	27.7%	49.0%	42.4%	31.8%	29.8%	18.2%	23.6%	19.1%	6.9%	14.7%	7.4%	7.0%	15.9%	15.7%	21.5%	21.50%
OCF Margin	3.5%	38.7%	19.6%	16.9%	36.9%	28.8%	49.9%	43.2%	32.4%	30.1%	18.7%	24.3%	20.0%	7.9%	15.7%	8.3%	7.8%	16.6%	16.2%	21.9%	21.86%
ROE 3Y Avg	snapshot only																				10.83%
ROE 5Y Avg	snapshot only																				11.21%
ROA 3Y Avg	snapshot only																				1.35%
ROIC 3Y Avg	snapshot only																				14.96%
ROIC Economic	snapshot only																				10.26%
Cash ROA	snapshot only																				1.40%
Cash ROIC	snapshot only																				17.80%
CROIC	snapshot only																				17.51%
NOPAT Margin	snapshot only																				22.64%
Pretax Margin	snapshot only																				29.98%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				15.21%
SBC / Revenue	snapshot only																				0.98%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	7.72	8.42	8.38	13.75	14.04	14.49	12.11	7.96	7.76	7.47	10.12	9.82	10.14	11.33	11.76	11.44	11.64	11.02	10.45	11.26	12.332
P/S Ratio	3.09	3.51	3.55	4.26	3.29	3.33	2.79	2.13	1.99	1.80	2.15	2.04	2.03	2.13	2.21	2.16	2.25	2.25	2.21	2.55	2.740
P/B Ratio	1.17	1.29	1.17	1.49	1.27	1.45	1.22	1.01	1.02	0.98	1.10	1.08	1.12	1.20	1.20	1.16	1.20	1.19	1.10	1.27	1.401
P/FCF	127.47	9.36	19.09	26.95	9.19	12.05	5.70	5.02	6.26	6.05	11.81	8.63	10.62	31.08	15.08	29.20	32.23	14.15	14.06	11.86	11.857
P/OCF	88.18	9.06	18.09	25.31	8.92	11.58	5.60	4.94	6.16	5.98	11.49	8.37	10.17	27.11	14.10	26.06	28.74	13.57	13.65	11.66	11.664
EV/EBITDA	2.01	2.53	2.49	4.87	4.04	4.76	7.16	4.97	4.90	4.76	6.11	5.97	6.26	7.01	5.98	5.78	5.95	5.66	4.78	5.67	5.674
EV/Revenue	1.16	1.53	1.54	2.36	1.57	1.81	2.69	2.03	1.90	1.72	2.00	1.89	1.89	1.99	1.65	1.59	1.68	1.68	1.43	1.77	1.774
EV/EBIT	2.22	2.78	2.75	5.78	5.03	5.87	8.60	5.63	5.52	5.35	6.93	6.73	7.01	7.84	6.67	6.42	6.58	6.22	5.11	5.92	5.918
EV/FCF	48.08	4.08	8.27	14.93	4.38	6.53	5.48	4.79	5.97	5.76	10.97	8.01	9.88	29.06	11.26	21.59	24.07	10.53	9.12	8.25	8.249
Earnings Yield	13.0%	11.9%	11.9%	7.3%	7.1%	6.9%	8.3%	12.6%	12.9%	13.4%	9.9%	10.2%	9.9%	8.8%	8.5%	8.7%	8.6%	9.1%	9.6%	8.9%	8.88%
FCF Yield	0.8%	10.7%	5.2%	3.7%	10.9%	8.3%	17.5%	19.9%	16.0%	16.5%	8.5%	11.6%	9.4%	3.2%	6.6%	3.4%	3.1%	7.1%	7.1%	8.4%	8.43%
PEG Ratio	snapshot only																				0.488
Price/Tangible Book	snapshot only																				1.974
EV/OCF	snapshot only																				8.115
EV/Gross Profit	snapshot only																				2.303
Acquirers Multiple	snapshot only																				5.918
Shareholder Yield	snapshot only																				10.47%
Graham Number	snapshot only																				$82.03

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.16	0.16	0.15	0.15	0.15	0.15	0.09	0.09	0.09	0.09	0.11	0.11	0.11	0.11	0.11	0.11	0.11	0.11	0.08	0.08	0.077
Quick Ratio	0.16	0.16	0.15	0.15	0.15	0.15	0.09	0.09	0.09	0.09	0.11	0.11	0.11	0.11	0.11	0.11	0.11	0.11	0.08	0.08	0.077
Debt/Equity	0.19	0.19	0.12	0.12	0.12	0.12	0.33	0.33	0.33	0.33	0.36	0.36	0.36	0.36	0.15	0.15	0.15	0.15	0.11	0.11	0.111
Net Debt/Equity	-0.73	-0.73	-0.66	-0.66	-0.66	-0.66	-0.05	-0.05	-0.05	-0.05	-0.08	-0.08	-0.08	-0.08	-0.30	-0.30	-0.30	-0.30	-0.39	-0.39	-0.387
Debt/Assets	0.02	0.02	0.02	0.02	0.02	0.02	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.02	0.02	0.02	0.02	0.01	0.01	0.014
Debt/EBITDA	0.87	0.85	0.61	0.73	0.83	0.75	2.01	1.70	1.67	1.68	2.16	2.15	2.18	2.25	0.99	0.99	0.98	0.95	0.74	0.71	0.711
Net Debt/EBITDA	-3.32	-3.27	-3.26	-3.92	-4.44	-4.02	-0.29	-0.25	-0.24	-0.24	-0.47	-0.47	-0.47	-0.49	-2.03	-2.04	-2.01	-1.94	-2.59	-2.48	-2.481
Interest Coverage	11.20	13.70	15.74	13.06	10.85	9.91	7.35	4.78	2.91	2.01	1.45	1.25	1.13	1.01	0.97	1.00	1.07	1.19	1.30	1.45	1.447
Equity Multiplier	8.00	8.00	8.14	8.14	8.14	8.14	9.03	9.03	9.03	9.03	8.31	8.31	8.31	8.31	8.04	8.04	8.04	8.04	7.81	7.81	7.813
Cash Ratio	snapshot only																				0.077
Debt Service Coverage	snapshot only																				1.509
Cash to Debt	snapshot only																				4.489
FCF to Debt	snapshot only																				0.967
Defensive Interval	snapshot only																				774.2 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.05	0.05	0.04	0.05	0.05	0.06	0.05	0.06	0.06	0.07	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.07	0.06	0.06	0.065
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	16.49	16.02	14.92	15.77	17.40	19.64	16.60	18.07	19.38	20.69	15.79	16.37	16.97	17.47	16.45	16.39	16.21	15.99	32.11	32.16	32.161
Payables Turnover	-22.13	-35.04	-86.34	-51.92	17.69	48.37	30.12	46.39	67.17	90.82	13.10	14.22	15.49	16.57	9.86	9.67	9.14	8.35	18.02	16.39	16.389
DSO	22	23	24	23	21	19	22	20	19	18	23	22	22	21	22	22	23	23	11	11	11.3 days
DIO	—	—	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	—	—	—	—	21	8	12	8	5	4	28	26	24	22	37	38	40	44	20	22	22.3 days
Cash Conversion Cycle	—	—	—	—	0	11	10	12	13	14	-5	-3	-2	-1	-15	-15	-17	-21	-9	-11	-10.9 days
Cash Velocity	snapshot only																				1.002
Capital Intensity	snapshot only																				15.654

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	-8.3%	-6.9%	-9.6%	-3.6%	10.0%	27.8%	50.2%	54.7%	50.5%	42.3%	31.5%	25.3%	21.0%	16.7%	10.8%	6.5%	1.6%	-2.6%	-3.1%	-2.7%	-2.66%
Net Income	1.6%	1.7%	1.4%	24.4%	-35.5%	-29.4%	-18.1%	33.7%	64.9%	49.2%	21.0%	-3.0%	-5.5%	-9.1%	-2.0%	-3.2%	-2.3%	5.9%	9.0%	16.9%	16.86%
EPS	1.8%	1.9%	1.5%	-8.7%	-52.2%	-46.7%	-36.7%	41.2%	72.6%	54.5%	23.1%	-1.2%	-3.2%	-6.6%	0.8%	-0.2%	3.1%	10.0%	18.4%	29.4%	29.38%
FCF	-75.1%	3.4%	13.9%	5.5%	15.3%	-5.6%	3.0%	3.1%	33.7%	53.2%	-51.1%	-30.3%	-27.2%	-73.2%	-10.8%	-66.7%	-63.0%	1.3%	3.9%	1.8%	1.83%
EBITDA	1.3%	1.4%	1.2%	29.1%	-26.2%	-19.7%	-8.7%	30.4%	50.1%	35.1%	14.6%	-2.9%	-5.6%	-8.1%	-6.5%	-7.3%	-5.1%	1.6%	5.4%	10.4%	10.36%
Op. Income	1.7%	1.8%	1.5%	26.0%	-34.8%	-28.4%	-16.0%	36.7%	66.1%	48.0%	21.5%	-2.6%	-5.0%	-7.6%	-4.9%	-5.7%	-4.0%	3.4%	9.7%	17.4%	17.43%
OCF Growth	snapshot only																				1.57%
Asset Growth	snapshot only																				2.40%
Equity Growth	snapshot only																				5.34%
Debt Growth	snapshot only																				-21.10%
Shares Change	snapshot only																				-9.68%
Dividend Growth	snapshot only																				5.30%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	17.7%	14.7%	12.2%	12.2%	10.2%	9.5%	10.9%	12.3%	14.9%	19.2%	21.3%	23.2%	26.1%	28.5%	29.8%	27.3%	22.8%	17.4%	12.2%	9.1%	9.10%
Revenue 5Y	18.5%	16.6%	15.0%	15.2%	16.3%	18.2%	20.6%	21.0%	22.0%	22.4%	22.8%	22.3%	19.5%	16.8%	14.7%	13.6%	13.3%	14.0%	13.9%	14.1%	14.14%
EPS 3Y	33.0%	25.1%	10.4%	15.8%	7.4%	7.1%	8.0%	16.7%	32.1%	33.7%	24.2%	8.4%	-7.2%	-8.4%	-7.7%	11.7%	19.9%	16.7%	13.7%	8.5%	8.47%
EPS 5Y	22.7%	24.7%	23.4%	9.2%	4.6%	4.9%	17.6%	16.4%	14.2%	10.0%	1.0%	16.7%	15.6%	12.1%	9.4%	9.4%	18.1%	19.7%	18.0%	10.5%	10.46%
Net Income 3Y	52.4%	42.4%	26.3%	23.9%	14.1%	13.5%	14.3%	24.2%	40.8%	42.2%	32.9%	17.3%	0.2%	-1.4%	-1.0%	7.9%	15.0%	12.8%	8.9%	3.1%	3.14%
Net Income 5Y	34.5%	35.6%	33.5%	25.6%	20.0%	20.0%	34.6%	32.6%	30.3%	24.9%	14.8%	19.8%	18.3%	14.7%	12.1%	12.5%	20.9%	22.6%	20.1%	12.8%	12.78%
EBITDA 3Y	39.6%	35.1%	29.5%	27.0%	16.5%	14.2%	13.9%	21.5%	35.6%	37.5%	31.2%	17.8%	1.5%	-0.1%	-0.7%	5.5%	10.4%	8.1%	4.1%	-0.2%	-0.21%
EBITDA 5Y	30.5%	31.6%	29.9%	24.3%	20.0%	19.9%	24.6%	25.0%	24.7%	21.7%	17.8%	21.0%	17.5%	13.1%	9.6%	10.0%	17.4%	19.4%	17.4%	10.8%	10.83%
Gross Profit 3Y	26.0%	24.8%	23.1%	21.5%	15.7%	13.1%	13.1%	15.8%	21.7%	23.6%	22.5%	17.3%	9.6%	9.5%	10.2%	10.4%	11.0%	8.5%	5.1%	4.8%	4.79%
Gross Profit 5Y	22.2%	21.7%	21.0%	20.1%	18.8%	19.7%	21.3%	20.7%	20.5%	19.6%	18.6%	18.2%	15.4%	12.2%	10.3%	11.0%	14.1%	15.4%	15.1%	12.4%	12.39%
Op. Income 3Y	38.9%	34.1%	27.9%	25.0%	15.2%	14.6%	15.6%	26.5%	43.5%	44.6%	36.1%	18.8%	1.0%	-0.7%	-1.0%	7.9%	14.8%	12.3%	8.2%	2.5%	2.54%
Op. Income 5Y	30.3%	31.6%	29.8%	22.5%	17.1%	17.2%	22.6%	24.0%	23.7%	20.6%	16.4%	21.0%	19.3%	15.5%	12.3%	13.2%	21.9%	23.6%	21.3%	13.2%	13.19%
FCF 3Y	-48.9%	25.7%	-2.9%	6.5%	18.5%	36.6%	84.3%	56.4%	75.5%	84.8%	2.1%	1.7%	1.5%	-27.1%	20.0%	-1.2%	-28.9%	-2.4%	-23.2%	-13.0%	-13.01%
FCF 5Y	-29.3%	32.7%	11.1%	1.6%	28.1%	13.6%	31.0%	26.6%	23.8%	23.5%	12.1%	28.4%	10.1%	0.9%	22.2%	-2.3%	7.8%	30.8%	93.0%	77.8%	77.81%
OCF 3Y	-43.2%	25.4%	-2.5%	6.1%	18.0%	33.2%	75.1%	51.8%	67.3%	78.4%	1.5%	1.4%	1.3%	-24.5%	20.5%	0.5%	-26.8%	-2.3%	-22.9%	-13.1%	-13.06%
OCF 5Y	-25.4%	29.2%	9.4%	0.7%	25.6%	12.9%	29.9%	25.7%	22.9%	22.8%	11.8%	27.3%	10.1%	1.4%	19.7%	-2.2%	6.8%	28.9%	70.8%	67.8%	67.80%
Assets 3Y	27.0%	27.0%	29.6%	29.6%	29.6%	29.6%	17.6%	17.6%	17.6%	17.6%	12.8%	12.8%	12.8%	12.8%	9.7%	9.7%	9.7%	9.7%	2.3%	2.3%	2.29%
Assets 5Y	20.7%	20.7%	18.5%	18.5%	18.5%	18.5%	23.3%	23.3%	23.3%	23.3%	23.2%	23.2%	23.2%	23.2%	11.2%	11.2%	11.2%	11.2%	8.3%	8.3%	8.26%
Equity 3Y	35.2%	35.2%	33.2%	33.2%	33.2%	33.2%	6.0%	6.0%	6.0%	6.0%	11.4%	11.4%	11.4%	11.4%	10.1%	10.1%	10.1%	10.1%	7.4%	7.4%	7.35%
Book Value 3Y	18.0%	18.8%	16.4%	24.4%	25.3%	25.6%	0.2%	-0.4%	-0.6%	-0.3%	4.2%	3.0%	3.2%	3.5%	2.6%	14.0%	14.7%	13.9%	12.0%	12.9%	12.90%
Dividend 3Y	-13.7%	-12.7%	-12.8%	-2.6%	0.6%	4.4%	7.6%	3.8%	1.6%	-2.2%	-5.6%	-7.5%	-8.1%	-7.7%	-7.6%	2.5%	4.0%	4.0%	5.7%	7.0%	6.99%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.89	0.86	0.74	0.76	0.85	0.87	0.77	0.76	0.81	0.85	0.85	0.86	0.85	0.83	0.80	0.80	0.84	0.89	0.91	0.90	0.895
Earnings Stability	0.65	0.65	0.71	0.97	0.59	0.60	0.70	0.97	0.70	0.68	0.65	0.95	0.63	0.59	0.61	0.82	0.46	0.48	0.54	0.78	0.780
Margin Stability	0.84	0.83	0.82	0.87	0.84	0.83	0.83	0.87	0.84	0.82	0.80	0.85	0.84	0.81	0.80	0.82	0.85	0.87	0.89	0.91	0.910
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.000
Earn. Growth Consistency	0.50	0.50	0.50	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.500
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.90	0.86	0.88	0.93	0.87	0.50	0.80	0.92	0.99	0.98	0.96	0.99	0.99	0.99	0.98	0.96	0.93	0.933
Earnings Smoothness	0.10	0.07	0.19	0.78	0.57	0.66	0.80	0.71	0.51	0.61	0.81	0.97	0.94	0.90	0.98	0.97	0.98	0.94	0.91	0.84	0.845
ROE Trend	0.05	0.05	0.07	0.02	-0.01	-0.00	-0.00	0.03	0.01	0.00	-0.01	-0.01	-0.00	-0.01	-0.00	-0.02	-0.02	-0.01	0.00	0.01	0.007
Gross Margin Trend	0.31	0.35	0.36	0.27	0.09	0.03	-0.02	-0.09	-0.20	-0.25	-0.30	-0.26	-0.19	-0.16	-0.12	-0.09	-0.04	0.01	0.03	0.06	0.057
FCF Margin Trend	-0.16	0.26	0.13	0.07	0.30	0.05	0.39	0.33	0.13	-0.03	-0.16	-0.06	-0.15	-0.22	-0.19	-0.26	-0.19	-0.02	-0.01	0.06	0.060
Sustainable Growth Rate	13.6%	13.8%	13.3%	9.8%	7.8%	8.7%	9.0%	11.8%	12.1%	12.2%	9.9%	10.1%	10.1%	9.7%	9.0%	9.0%	9.1%	9.6%	9.4%	10.2%	10.19%
Internal Growth Rate	1.9%	1.9%	1.7%	1.2%	1.0%	1.1%	1.1%	1.4%	1.4%	1.4%	1.2%	1.2%	1.2%	1.1%	1.1%	1.1%	1.1%	1.2%	1.2%	1.3%	1.30%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	0.09	0.93	0.46	0.54	1.57	1.25	2.16	1.61	1.26	1.25	0.88	1.17	1.00	0.42	0.83	0.44	0.41	0.81	0.77	0.97	0.965
FCF/OCF	0.69	0.97	0.95	0.94	0.97	0.96	0.98	0.98	0.98	0.99	0.97	0.97	0.96	0.87	0.94	0.89	0.89	0.96	0.97	0.98	0.984
FCF/Net Income	snapshot only																				0.950
OCF/EBITDA	snapshot only																				0.699
CapEx/Revenue	1.1%	1.3%	1.0%	1.0%	1.1%	1.1%	0.9%	0.8%	0.5%	0.3%	0.5%	0.7%	0.8%	1.0%	1.0%	0.9%	0.8%	0.7%	0.5%	0.4%	0.36%
CapEx/Depreciation	snapshot only																				0.276
Accruals Ratio	0.02	0.00	0.01	0.01	-0.01	-0.00	-0.01	-0.01	-0.00	-0.00	0.00	-0.00	0.00	0.01	0.00	0.01	0.01	0.00	0.00	0.00	0.001
Sloan Accruals	snapshot only																				-0.054
Cash Flow Adequacy	snapshot only																				7.045
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	1.1%	1.0%	1.1%	0.9%	1.2%	1.2%	1.3%	1.6%	1.7%	1.7%	1.3%	1.4%	1.3%	1.2%	1.2%	1.2%	1.2%	1.2%	1.2%	1.1%	0.99%
Dividend/Share	$0.50	$0.51	$0.51	$0.42	$0.46	$0.52	$0.58	$0.59	$0.61	$0.60	$0.60	$0.60	$0.61	$0.61	$0.61	$0.61	$0.64	$0.64	$0.68	$0.71	$0.71
Payout Ratio	8.8%	8.8%	8.9%	12.9%	16.7%	16.8%	16.1%	13.0%	12.9%	12.7%	13.7%	13.4%	13.3%	13.7%	13.6%	13.5%	13.5%	13.2%	12.9%	12.1%	12.13%
FCF Payout Ratio	1.5%	9.7%	20.4%	25.3%	11.0%	14.0%	7.6%	8.2%	10.4%	10.3%	15.9%	11.8%	14.0%	37.6%	17.4%	34.4%	37.5%	16.9%	17.4%	12.8%	12.78%
Total Payout Ratio	56.5%	55.9%	13.8%	36.2%	74.8%	1.1%	1.1%	71.8%	57.0%	33.6%	34.0%	36.4%	45.1%	46.0%	50.1%	62.6%	77.6%	87.5%	1.2%	1.2%	1.18%
Div. Increase Streak	0	0	0	0	0	0	0	1	1	1	1	1	0	0	0	0	0	0	0	0	0
Chowder Number	-0.02	-0.01	0.01	0.14	0.23	0.37	0.49	0.36	0.29	0.15	0.04	0.02	-0.01	-0.01	-0.01	-0.02	0.01	0.03	0.05	0.06	0.064
Buyback Yield	6.2%	5.6%	0.6%	1.7%	4.1%	6.5%	7.4%	7.4%	5.7%	2.8%	2.0%	2.3%	3.1%	2.9%	3.1%	4.3%	5.5%	6.7%	9.8%	9.4%	9.39%
Net Buyback Yield	6.1%	5.5%	0.5%	1.6%	4.1%	6.4%	7.3%	7.3%	5.5%	2.7%	1.9%	2.2%	3.1%	2.8%	3.1%	4.3%	5.5%	6.6%	9.8%	9.4%	9.37%
Total Shareholder Return	7.3%	6.6%	1.6%	2.6%	5.3%	7.6%	8.6%	8.9%	7.2%	4.4%	3.2%	3.6%	4.4%	4.0%	4.2%	5.5%	6.6%	7.8%	11.0%	10.4%	10.45%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.76	0.76	0.76	0.76	0.75	0.75	0.74	0.74	0.75	0.75	0.74	0.74	0.74	0.74	0.76	0.76	0.76	0.76	0.75	0.76	0.755
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.53	0.55	0.56	0.41	0.31	0.31	0.31	0.36	0.34	0.32	0.29	0.28	0.27	0.25	0.25	0.25	0.25	0.27	0.28	0.30	0.300
Asset Turnover	0.05	0.05	0.04	0.05	0.05	0.06	0.05	0.06	0.06	0.07	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.07	0.06	0.06	0.065
Equity Multiplier	7.30	7.30	8.07	8.07	8.07	8.07	8.61	8.61	8.61	8.61	8.65	8.65	8.65	8.65	8.17	8.17	8.17	8.17	7.92	7.92	7.922

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$5.70	$5.77	$5.68	$3.23	$2.73	$3.07	$3.60	$4.56	$4.70	$4.75	$4.43	$4.50	$4.55	$4.43	$4.46	$4.49	$4.69	$4.88	$5.29	$5.81	$5.81
Book Value/Share	$37.57	$37.59	$40.58	$29.77	$30.17	$30.67	$35.68	$35.75	$35.91	$36.13	$40.77	$40.94	$41.32	$41.72	$43.84	$44.11	$45.55	$45.30	$50.18	$51.44	$51.18
Tangible Book/Share	$25.88	$25.89	$29.13	$21.37	$21.65	$22.01	$19.30	$19.34	$19.42	$19.54	$24.24	$24.34	$24.57	$24.80	$27.11	$27.28	$28.17	$28.01	$32.34	$33.15	$33.15
Revenue/Share	$14.25	$13.85	$13.42	$10.40	$11.63	$13.34	$15.59	$17.00	$18.31	$19.66	$20.84	$21.70	$22.71	$23.59	$23.76	$23.82	$24.33	$23.87	$25.01	$25.67	$25.67
FCF/Share	$0.35	$5.19	$2.49	$1.65	$4.16	$3.69	$7.64	$7.21	$5.83	$5.86	$3.79	$5.12	$4.35	$1.62	$3.48	$1.76	$1.70	$3.80	$3.93	$5.52	$5.52
OCF/Share	$0.50	$5.37	$2.63	$1.75	$4.29	$3.84	$7.78	$7.34	$5.93	$5.93	$3.90	$5.28	$4.54	$1.85	$3.72	$1.97	$1.90	$3.96	$4.05	$5.61	$5.61
Cash/Share	$34.54	$34.56	$31.98	$23.46	$23.77	$24.16	$13.47	$13.50	$13.56	$13.64	$17.91	$17.99	$18.16	$18.33	$19.80	$19.92	$20.58	$20.46	$24.99	$25.62	$46.49
EBITDA/Share	$8.25	$8.37	$8.28	$5.04	$4.51	$5.07	$5.84	$6.95	$7.09	$7.09	$6.81	$6.87	$6.86	$6.70	$6.55	$6.57	$6.86	$7.07	$7.50	$8.03	$8.03
Debt/Share	$7.14	$7.15	$5.01	$3.68	$3.73	$3.79	$11.76	$11.79	$11.84	$11.91	$14.73	$14.79	$14.93	$15.07	$6.49	$6.53	$6.75	$6.71	$5.57	$5.71	$5.71
Net Debt/Share	$-27.40	$-27.41	$-26.96	$-19.78	$-20.04	$-20.38	$-1.71	$-1.71	$-1.72	$-1.73	$-3.18	$-3.20	$-3.23	$-3.26	$-13.31	$-13.39	$-13.83	$-13.75	$-19.43	$-19.92	$-19.92

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.225
Altman Z-Prime	snapshot only																				-4.687
Piotroski F-Score	7	7	6	4	5	5	5	7	7	7	7	7	6	6	7	7	7	7	6	6	6
Beneish M-Score	-2.46	-2.26	-2.12	-2.01	-1.87	-1.92	-1.70	-1.80	-1.76	-1.74	-2.20	-2.32	-2.32	-2.30	-2.50	-2.27	-2.29	-2.51	-3.40	-3.43	-3.427
Ohlson O-Score	snapshot only																				-3.770
Net-Net WC	snapshot only																				$-324.84
EVA	snapshot only																				$141037600.00

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				A+
Credit Score	67.23	91.56	85.53	76.77	77.59	81.69	77.24	80.31	75.64	75.73	68.03	79.65	68.42	65.84	83.71	68.67	68.34	83.11	78.00	77.27	77.266
Credit Grade	snapshot only																				5
Credit Trend	snapshot only																				8.599
Implied Spread (bps)	snapshot only																				125.000
Industry Credit Rank	snapshot only																				76
Sector Credit Rank	snapshot only																				68

WSFS NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

Sign in to InsiderStreet