WSFS Financial (WSFS) just wrapped up FY 2025 with Q4 total revenue of US$259.2 million and basic EPS of US$1.34, alongside trailing twelve month revenue of US$1.0 billion and EPS of US$5.11. Over the past few quarters, revenue has ranged from US$238.8 million to US$263.9 million while quarterly EPS has moved between US$1.13 and US$1.37. This gives investors a clear view of how the top and bottom lines have tracked together across the year. Taken together with the reported net profit margin and earnings growth, the latest numbers keep the focus firmly on how WSFS is managing its profitability through changing conditions.
See our full analysis for WSFS Financial.With the headline figures on the table, the next step is to set these results against the widely followed WSFS narratives to see which storylines around growth, quality and risk still hold up and which ones start to look out of sync.
See what the community is saying about WSFS Financial
TTM margin at 28.3% backs the profit story
- Over the last twelve months, WSFS earned US$287.3 million of net income on US$1.0b of revenue, which works out to a 28.3% net profit margin compared with 26.8% a year earlier.
- Consensus narrative talks about digital investments and efficiency helping earnings stability, and the margin sitting at 28.3% with basic EPS at US$5.11 over the same period gives that a concrete base, although:
- Net income in FY 2025 individual quarters stayed in a fairly tight band of US$65.9 million to US$76.4 million while the trailing net interest margin sat around 3.87%. This lines up with the idea of controlled costs and steady core banking profitability.
- At the same time, forecast profit growth of 3% per year is slower than the 9% earnings growth reported over the last year. The recent margin and earnings strength is therefore not simply being extrapolated in the consensus view.
Loan book near US$13.3b with lower non performing balances
- Total loans were US$13.3b at FY 2025 Q4, and non performing loans were US$71.9 million versus US$111.7 million at FY 2025 Q1 and US$122.2 million at FY 2024 Q4.
- Analysts' consensus view highlights both regional concentration risk and M&A integration risk, and the way non performing loans moved down while the loan book stayed around US$13.1b to US$13.3b over the last six reported quarters gives a mixed picture:
- The bears in the consensus worry about margin pressures and regulatory costs, yet the trailing 3.87% net interest margin together with fewer non performing loans by Q4 suggests asset quality was not dragging on FY 2025 results.
- On the other hand, the reliance on Mid Atlantic growth that the consensus flags remains in play, because the loan and non performing loan figures provided are concentrated in that footprint rather than spread across multiple regions.
P/E of 11.9x and big gap to DCF fair value
- With a trailing P/E of 11.9x at a US$64.61 share price, WSFS trades slightly below the peer average P/E of 12.1x and slightly above the US Banks industry at 11.4x, while the supplied DCF fair value of US$121.68 is well above the current price.
- Consensus narrative links earnings durability to fee income and capital discipline, and the current numbers create some clear tension points around that view:
- Rewards data points to multi year earnings growth around 7.4% per year and 9% over the last year, which can fit with the idea of stable earnings, yet forecasts for 3% earnings growth and 5.9% revenue growth running below the wider US market show that growth expectations are not aggressive.
- The 46.9% gap between the US$64.61 share price and the US$121.68 DCF fair value estimate highlights how valuation models are treating those earnings as more valuable than the current P/E suggests, even though the stock only trades slightly away from peers on a P/E basis.
Bulls point to that earnings track record and the valuation gap as reasons to pay attention to the story behind WSFS instead of just the headline multiples, and if you want the full bullish case in one place, check out 🐂 WSFS Financial Bull Case
Skeptics focus on slower forecast growth and regional dependence, so if you are weighing those concerns against the recent numbers, the detailed bear case on WSFS starts at 🐻 WSFS Financial Bear Case
Next Steps
To see how these results tie into long-term growth, risks, and valuation, check out the full range of community narratives for WSFS Financial on Simply Wall St. Add the company to your watchlist or portfolio so you'll be alerted when the story evolves.
With mixed views on growth, profitability and regional exposure, it helps to see the underlying data for yourself and decide where you stand. If you want a quick way to size up what the market sees as the bright spots, take a look at 2 key rewards and judge how those potential rewards fit your own expectations.
See What Else Is Out There
WSFS carries mixed expectations, with slower forecast earnings growth of 3% per year and growth projected below the wider US market despite a higher DCF value.
If that cautious growth outlook has you hesitating, check out 50 high quality undervalued stocks to quickly spot other companies where current prices look more aligned with stronger potential.
This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
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