olivLaw · US equity research
WSFS Financial Corporation WSFS
National Commercial Banks · SIC 6021 · Vertical: National Commercial Banks (SIC 6021)
WSFS Financial is the savings and loan holding company based in Wilmington, Delaware, whose lead bank, WSFS Bank, is the oldest and largest locally-managed bank and trust company in the Greater Philadelphia and Delaware region. The group combines commercial lending, a Wealth and Trust division and Cash Connect, and in Q3 2026 it reported EPS of 1.75 USD, with fee revenue growing on the back of Wealth and Trust. Total assets reached 22.7 billion USD at June 30, 2026.
At the close of 02 Nov 2026, WSFS Financial Corporation (WSFS) stock was 80.52 USD (+2.61% on the day), with market capitalisation 4.1 bn USD, P/E 13.5 on diluted EPS of 5.98 USD over the last 12 months, dividend yield 0.88%, beta 0.87, 52-week range 52.26–82.29 USD. Latest reported quarter (Q2 2026): net income of 84.4 m USD (+16.7% YoY), diluted EPS 1.63 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 62.9
- strong (55–70)
- Bollinger (20, 2)
- 73.77 – 80.48
- above the upper band · %B 1.01 · band width 8.7%
- SMA 50 / 200
- 77.80 / 72.83
- uptrend (price > SMA50 > SMA200)
- MACD (12, 26, 9)
- 0.56 / 0.14
- MACD above signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | +3.2% | −2.3% | +5.5 pp | — |
| 3 months | −1.3% | −0.8% | −0.5 pp | — |
| 6 months | +13.1% | +4.7% | +8.3 pp | — |
| Year to date | +45.8% | +10.2% | +35.6 pp | — |
| 1 year | +54.6% | +10.3% | +44.3 pp | +19.0% |
| 3 years | +108.8% | +73.0% | +35.7 pp | +71.6% |
| 5 years | +48.2% | +61.8% | −13.6 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q2 2026 · 30 Jun 2026
Quarterly margins
Quarterly statements · USD
| Fiscal year | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
|---|---|---|---|---|---|---|---|---|
| Pre-tax income | 85.5 m | 84.4 m | 87.0 m | 95.5 m | 100.9 m | 97.2 m | 114.5 m | 111.1 m |
| Income tax | 21.1 m | 20.2 m | 21.1 m | 23.3 m | 24.4 m | 24.5 m | 27.6 m | 26.8 m |
| Net income | 64.4 m | 64.2 m | 65.9 m | 72.3 m | 76.4 m | 72.7 m | 86.8 m | 84.4 m |
| Diluted EPS | 1.08 | 1.09 ≈ | 1.12 | 1.27 | 1.37 | 1.34 ≈ | 1.64 | 1.63 |
| Operating cash flow | 3.1 m ≈ | 59.0 m | 8.7 m | 37.2 m ≈ | 121.5 m ≈ | 52.5 m | 86.4 m | -12.7 m ≈ |
| Capex | 3.6 m ≈ | 3.7 m | 2.4 m | 2.0 m ≈ | 1.2 m ≈ | 749.0 k | 885.0 k | 1.7 m ≈ |
| Dividends paid | 8.9 m ≈ | 8.8 m | 8.8 m | 9.6 m ≈ | 9.5 m ≈ | 9.3 m | 9.0 m | 10.4 m ≈ |
| Share repurchases | 14.0 m ≈ | 21.2 m | 54.3 m | 78.4 m ≈ | 47.2 m ≈ | 110.4 m | 85.8 m | 66.8 m ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 62 percentile of its own 39-quarter history (min 7.7, median 12.1, max 30.7; quarters with earnings only).
Fiscal years
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 455.5 m | 709.2 m | 715.4 m | 641.8 m | 963.9 m | unavailable | unavailable | unavailable |
| Revenue YoY | +20.1% | +55.7% | +0.9% | −10.3% | +50.2% | unavailable | unavailable | unavailable |
| Net income | 134.7 m | 148.8 m | 114.8 m | 271.4 m | 222.4 m | 269.2 m | 263.7 m | 287.3 m |
| Net income YoY | +168.2% | +10.4% | −22.9% | +136.5% | −18.1% | +21.0% | −2.0% | +9.0% |
| Diluted EPS | 4.19 | 3.00 | 2.27 | 5.69 | 3.49 | 4.40 | 4.41 | 5.09 |
| Diluted EPS YoY | +168.6% | −28.4% | −24.3% | +150.7% | −38.7% | +26.1% | +0.2% | +15.4% |
| net % | 29.6% | 21.0% | 16.0% | 42.3% | 23.1% | unavailable | unavailable | unavailable |
| Free cash flow | 130.1 m | 75.7 m | 8.0 m | 119.1 m | 472.0 m | 230.6 m | 205.6 m | 213.6 m |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- 1.7 bn USD
- Financial debt
- unavailable USD
- Net debt
- unavailable USD
- Equity
- 2.7 bn USD
- Total assets
- 21.3 bn USD
- Debt / equity
- unavailable
- Current ratio
- unavailable
- ROE
- 10.8%
- ROA
- 1.4%
- FCF margin
- unavailable
Financial statements (source on every figure)
Revenue and net income (USD)
Income statement · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Net interest income | 466.0 m | 433.6 m | 662.9 m | 725.1 m | 705.4 m | 726.1 m | SEC (XBRL)· 02 Mar 2026verified |
| Net fee income | 201.0 m | 185.5 m | 260.1 m | 289.9 m | 340.9 m | 339.9 m | SEC (XBRL)· 02 Mar 2026verified |
| Non-interest expense | 368.8 m | 378.5 m | 574.3 m | 561.6 m | 637.7 m | 636.2 m | SEC (XBRL)· 02 Mar 2026verified |
| Pre-tax income | 145.0 m | 357.7 m | 300.6 m | 365.3 m | 347.3 m | 380.6 m | SEC (XBRL)· 02 Mar 2026verified |
| Net income | 114.8 m | 271.4 m | 222.4 m | 269.2 m | 263.7 m | 287.3 m | SEC (XBRL)· 02 Mar 2026verified |
| Diluted EPS | 2.27 | 5.69 | 3.49 | 4.40 | 4.41 | 5.09 | SEC (XBRL)· 02 Mar 2026verified |
| Dividend per share | 0.48 | 0.51 | 0.56 | 0.60 | 0.60 | 0.66 | SEC (XBRL)· 02 Mar 2026verified |
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 1.7 bn | 1.5 bn | 837.3 m | 1.1 bn | 1.2 bn | 1.7 bn | SEC (XBRL)· 02 Mar 2026verified |
| Loans | 8.8 bn | 7.8 bn | 11.8 bn | 12.6 bn | 13.0 bn | 13.1 bn | SEC (XBRL)· 02 Mar 2026verified |
| Total assets | 14.3 bn | 15.8 bn | 19.9 bn | 20.6 bn | 20.8 bn | 21.3 bn | SEC (XBRL)· 02 Mar 2026verified |
| Deposits | 11.9 bn | 13.2 bn | 16.2 bn | 16.5 bn | 17.0 bn | 17.6 bn | SEC (XBRL)· 02 Mar 2026verified |
| Total liabilities | 12.5 bn | 13.8 bn | 17.7 bn | 18.1 bn | 18.2 bn | 18.6 bn | SEC (XBRL)· 02 Mar 2026verified |
| Equity | 1.8 bn | 1.9 bn | 2.2 bn | 2.5 bn | 2.6 bn | 2.7 bn | SEC (XBRL)· 02 Mar 2026verified |
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Dividends paid | 24.4 m | 24.2 m | 35.7 m | 36.7 m | 35.8 m | 37.2 m | SEC (XBRL)· 02 Mar 2026verified |
| Share repurchases | 155.8 m | 13.3 m | 200.1 m | 54.6 m | 96.3 m | 290.3 m | SEC (XBRL)· 02 Mar 2026verified |
Computed indicators
Growth
Profitability
Returns
Market and valuation
Banking
32 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 47 / 100
A scoring methodology on indicators and valuation, not investment advice.
Closing price
02 Nov 2026Source: olivLaw, closing series
Market cap: 4.1 bn USD
Key indicators
Coverage and freshness
Score by group
- Quality59
- Growth67
- Valuation22
- Balance sheet75
- Returns6
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 54.11 – 85.93 USD.
Methods computed but outside the aggregate range: Dividend discount (DDM) (a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate).
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- Residual income55.15 – 57.72 (Mid 56.41)
- Justified P/B63.89 – 85.93 (Mid 73.29)
- Dividend discount (DDM)outside the aggregate8.67 – 11.66 (Mid 9.95)a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate
- Peers: P/E66.01 – 77.19 (Mid 70.59)32 companies used · median multiple 11.8x · quartiles 11.0x – 12.9xASRV, BAC, CAC, CASH, CBU, CFBK, CFR, CHCO, COF, DCBG, FHN, FULT, HAFC, HBAN, JPM, KEY, LCNB, MRBK, NBHC, NBTB, NKSH, ONB, PNC, PRK, RF, SFST, SHBI, TBBK, USB, WAFD, WFC, ZION
- Peers: P/B54.11 – 73.08 (Mid 64.24)33 companies used · median multiple 1.2x · quartiles 1.0x – 1.4xASRV, BAC, BANC, C, CAC, CARE, CASH, CBU, CFBK, COF, DCBG, FHN, FULT, HAFC, HBAN, KEY, LCNB, MRBK, NBHC, NBTB, NKSH, ONB, PNC, PRK, RF, SFST, SHBI, SNUS-PH, UBS, USB, WAFD, WFC, ZION
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Neutral profile · Score 47/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROE · Quality | 11.9% | 69 (vs peers) | 19% |
| ROA · Quality | 1.5% | 77 (on a fixed band) | 7% |
| Cost-to-income · Quality | 59.5% | 22 (on a fixed band) | 12% |
| Net interest margin · Quality | 3.5% | 78 (on a fixed band) | 7% |
| EPS CAGR 3Y · Growth | 5.2% | 43 (on a fixed band) | 10% |
| Revenue CAGR 3Y · Growth | 10.8% | 100 (on a fixed band) | 7% |
| NPL ratio · Balance sheet | unavailable | unavailable | — |
| Cost of risk · Balance sheet | unavailable | unavailable | — |
| Loan-to-deposit · Balance sheet | 69.9% | 75 (on a fixed band) | 5% |
| P/B · Valuation | 1.5x | 22 (vs peers) | 12% |
| P/E (TTM) · Valuation | 13.5x | 22 (vs peers) | 12% |
| Dividend yield · Returns | 0.9% | 6 (vs peers) | 10% |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partial75/100 · 1/3 factors with a value
- Growth67/100 · 2/2 factors with a value
- Quality59/100 · 4/4 factors with a value
- Returns6/100 · 1/1 factors with a value
- Valuation22/100 · 2/2 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
WSFS FINANCIAL CORP (WSFS). Latest full fiscal year: 2022; data up to 2026-06-30.
Figures computed from the financial statements: net interest income 726.1 m USD in 2025; YoY growth 50.2%; ROE 11.9%.
The estimated value range is 59.52–75.13 USD per share (median of 4 methods, agreement: high); assumptions are illustrative. Against the central value of 67.41 USD, the price of 80.52 USD leaves a potential of -16.3% (value / price − 1) and a margin of safety of -19.4% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 47/100, methodological classification: neutral profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: balance. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- ROA: 1.5%
- Net interest margin: 3.5%
- Revenue CAGR 3Y: 10.8%
- Loan-to-deposit: 69.9%
What contradicts it
- Cost-to-income: 59.5%
- P/B: 1.5x
- P/E (TTM): 13.5x
- Dividend yield: 0.9%
- The price is above the estimated value range
Not assessed (insufficient data or a ratio without meaning): NPL ratio, Cost of risk.
Versus the vertical median
National Commercial Banks (SIC 6021) · same industry (4-digit SIC) · compared with 39 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| JPMJpmorgan Chase & Co | 905.3 bn | 14.5 | 17.8% | 35.7% | +2.8% | +9% / +118% |
| BACBofA Finance LLC | 342.0 bn | 11.7 | 10.8% | 26.8% | +6.8% | −8% / +63% |
| WFCWells Fargo & Company | 257.8 bn | 12.0 | 12.9% | — | −1.6% | +0% / +93% |
| CCitigroup Inc | 215.3 bn | 17.6 | 6.8% | 16.8% | +5.6% | +19% / +167% |
| UBSUBS Group AG | 162.0 bn | 20.5 | 8.9% | — | +7.0% | +26% / +72% |
| COFCapital One Financial Corp | 129.3 bn | 12.9 | 9.4% | 17.0% | +36.6% | −4% / +89% |
| USBUs Bancorp \de\ | 94.2 bn | 11.9 | 12.7% | 27.5% | +4.4% | +23% / +59% |
| PNCPnc Financial Services Group, Inc. | 92.4 bn | 12.5 | 12.6% | 30.6% | +7.2% | +21% / +73% |
| HBANHuntington Bancshares Incorporated | 32.3 bn | 12.9 | 9.1% | 133.3% | +6.4% | −2% / +42% |
| RFRegions Financial Corporation | 24.7 bn | 11.7 | 11.9% | — | +23.8% | +14% / +74% |
| KEYKeycorp | 22.9 bn | 12.3 | 10.3% | 26.0% | +62.7% | +17% / +73% |
| FHNFirst Horizon Corp | 11.2 bn | 11.3 | 11.6% | 29.9% | +7.2% | +6% / +85% |
| SNUS-PHSantander Holdings USA, Inc. | 11.0 bn | 6.2 | 10.8% | — | unavailable | unavailable / unavailable |
| CFRCullen/Frost Bankers, Inc. | 10.0 bn | 14.8 | 16.3% | 29.5% | +8.3% | +30% / +63% |
| ONBOld National Bancorp | 9.7 bn | 10.5 | 11.5% | — | +6.1% | +19% / +73% |
| ZIONZions Bancorporation, National Association | 9.7 bn | 8.5 | 16.4% | 168.7% | +3.6% | +25% / +86% |
| FULTFulton Financial Corp | 4.6 bn | 11.5 | 11.1% | 137.0% | −6.5% | +33% / +69% |
| WSFSWsfs Financial Corp | 4.1 bn | 13.5 | 11.9% | — | +50.2% | +55% / +109% |
| CBUCommunity Financial System, Inc. | 3.4 bn | 15.0 | 11.5% | 26.6% | +9.6% | +14% / +45% |
| PRKPark National Corporation | 3.3 bn | 16.4 | 11.0% | 25.8% | +2.9% | +19% / +65% |
| BANCBanc Of California, Inc. | 2.9 bn | — | -0.7% | -1.4% | −3.8% | +0% / +60% |
| NBTBNbt Bancorp Inc | 2.8 bn | 13.1 | 11.4% | 117.1% | +10.4% | +29% / +50% |
| WAFDWaFd, Inc. | 2.2 bn | 9.4 | 8.5% | 810.8% | +7.8% | −4% / +14% |
| CHCOCity Holding Company | 2.0 bn | 15.9 | 16.8% | 177.4% | +3.2% | +20% / +51% |
| TBBKThe Bancorp, Inc. | 1.9 bn | 8.7 | 29.6% | 164.3% | +20.8% | −28% / +18% |
1- and 3-year price returns: for WSFS from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Scenarios are not available. input data missing
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
In brief
WSFS Financial is the savings and loan holding company based in Wilmington, Delaware, whose lead bank, WSFS Bank, is the oldest and largest locally-managed bank and trust company in the Greater Philadelphia and Delaware region. The group combines commercial lending, a Wealth and Trust division and Cash Connect, and in Q3 2026 it reported EPS of 1.75 USD, with fee revenue growing on the back of Wealth and Trust 123. Total assets reached 22.7 billion USD at June 30, 2026 2.
SWOT
Strengths
- The company has a strong local franchise, an old and well-known bank, and a personalised service model that clients value 1.
- Fee revenue is diversified and the Wealth and Trust division is growing at a strong pace 13.
- The capital base is solid, with all regulatory measures above the well-capitalized threshold 2.
Weaknesses
- Reliance on large institutional deposits can create volatility at quarter-end 3.
- Activity is geographically concentrated in the Greater Philadelphia and Delaware region, which exposes the company to local economic conditions 1.
- The commercial loan book is concentrated in commercial mortgages and construction loans, which carry more risk than residential lending 1.
Opportunities
Risks
- Interest rate riskhigh
Changes in rates can affect net interest margin, especially if liabilities reprice faster than assets, and the securities portfolio can lose value 1.
- Credit riskhigh
Rising nonperforming assets or higher costs to resolve loans could reduce earnings, particularly in large commercial portfolios 1.
- Deposit riskmedium
Outflows of transactional deposits from Institutional Services and Commercial could reduce liquidity and raise funding costs 3.
- Geographic concentration riskmedium
Activity concentrated in the Greater Philadelphia and Delaware region exposes the company to local economic conditions and property values 1.
- Regulatory and compliance risklow
Legislative changes or compliance failures could generate extra costs and restrictions for the bank 1.
Investment thesis
What would need to be true (bull case)
- If Wealth and Trust revenue keeps growing at a double-digit pace, fee diversification could support profitability even when margins are under pressure 3.
- Capital discipline and the share repurchase programme could support EPS if credit trends stay controlled 23.
- The locally managed bank model with personalised service may attract commercial clients as larger rivals centralise 1.
What would break the thesis
- Deposit costs have risen amid competition, and if that persists, net interest margin could be compressed 3.
- Credit problems in large commercial portfolios could lead to new provisions and lower profit 13.
- Geographic concentration and reliance on a few large deposit clients could amplify local economic or liquidity shocks 13.
What to watch
- Trend in net interest margin and deposit costsQ4 2026
- Development of client deposits in Institutional Services and CommercialQ4 2026
- Level of nonperforming assets and net credit costsQ1 2027
- Guidance for 2027 on loan growth and Wealth and Trust fees2027
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
The business
WSFS Financial Corporation is a savings and loan holding company headquartered in Wilmington, Delaware, with substantially all of its assets held by WSFS Bank, one of the ten oldest bank and trust companies in the United States operating continuously under the same name 1. At December 31, 2025 the bank had 21.3 billion USD in assets and 97.4 billion USD in AUM and AUA, serving clients from 113 offices in Pennsylvania, Delaware, New Jersey, Florida, Nevada and Virginia 1. Its model is based on personalised service, one primary point of contact for clients and a diversified fee revenue base 1.
The company has grown through a mix of organic lending and acquisitions, and a net loan and lease portfolio of 12.6 billion USD at December 31, 2025 was funded by deposits from commercial relationships, trust clients and digital platforms 1. Three segments, WSFS Bank, Cash Connect and Wealth and Trust, diversify its income sources 1. Management targets high-performing metrics such as ROA, ROTCE and EPS, and a corporate Common Equity Tier 1 ratio of about 12% 1.
Segments
WSFS Bank
The bank segment provides loans and leases, deposits and other financial products to commercial and consumer clients, with a net loan and lease portfolio of 12.6 billion USD at December 31, 2025 1. Home Lending offers mortgage services through WSFS Mortgage, and NewLane Finance provides small business leasing nationwide 1.
Cash Connect
Cash Connect provides ATM vault cash, smart safe and cash logistics services, managing about 1.3 billion USD of cash and servicing non-bank ATMs and smart safes nationwide through partnerships with large industry players 1. It adds fee income alongside the Wealth and Trust segment 1.
Wealth and Trust
The Wealth and Trust segment provides planning, investment management and trust services under the Bryn Mawr Trust brand and through WSFS Institutional Services, with 97.4 billion USD of AUM and AUA at December 31, 2025 1. AUM and AUA rose to 101.7 billion USD at June 30, 2026 2, and Wealth and Trust fees were up 30% year over year in Q3 2026 3.
Market context
WSFS focuses its operations on the Greater Philadelphia and Delaware region, where it is the largest locally headquartered bank and trust company, while also operating nationally in leasing, trust administration and Cash Connect services 1. It competes with regional and national banks, non-bank companies and credit unions, and sector consolidation adds pressure on pricing 1.
Trends
- Falling interest ratesmixed
The 2025 rate cuts reduced loan yields but also allowed lower deposit costs, and the net interest margin has held up 13.
- Growth in trust and administered assetstailwind
Assets under management and administration rose from 97.4 billion USD to 101.7 billion USD in the first half of 2026, and Wealth and Trust fees are growing steadily 123.
- Competition for depositsheadwind
The company reported intense competition for deposits, which pushed up deposit costs last quarter and shifted the deposit mix 3.
- Consolidation of the banking sectormixed
Consolidation in financial services is pushing smaller banks to scale up, which could reduce local decision-making for clients but could also open opportunities for a local bank with personalised service 1.
Competitive position
WSFS competes with regional and national banks, non-bank financial companies and credit unions, which can benefit from favourable tax treatment and greater scale 1. In deposits, pricing competition has been intense and has pushed deposit costs higher 3.
The company differentiates through a locally headquartered bank with fast decisions, a diversified fee revenue base and the ability to offer lending limits for growing commercial clients 1. Larger competitors may have more resources and broader product sets, so the advantage depends on execution 1.
- Regional and national banks in the Mid-Atlantic
The source refers to competition from regional and national banks with greater resources and wider offerings, without naming them.
- Non-bank financial institutions
The company also cites competition from non-bank institutions in lending and financial services.
- Credit unions
The source notes that credit unions may benefit from favourable tax treatment, making them price competitors.
- ATM and smart safe service providers
Cash Connect operates in an industry with several cash service providers, including partners and rivals in ATM networks.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Current report22 Oct 2026Results of operations · Regulation FD disclosure · Financial statements and exhibits
- Current report06 Oct 2026Departure or appointment of officers · Regulation FD disclosure · Financial statements and exhibits
- Quarterly report05 Aug 2026
- Current report23 Jul 2026Results of operations · Regulation FD disclosure · Financial statements and exhibits
- Current report11 Jun 2026Regulation FD disclosure
- Current report19 May 2026Shareholder vote
- Quarterly report04 May 2026
- Current report23 Apr 2026Results of operations · Regulation FD disclosure · Financial statements and exhibits
- Proxy statement02 Apr 2026
- Current report11 Mar 2026Other events
Sources
- [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / WSFS Financial Corporation · 02 Mar 2026
- [2] Form 10-Q, quarter ended 2026-06-30 · SEC / WSFS Financial Corporation · 05 Aug 2026
- [3] Form 8-K, results release (exhibit 99.1) · SEC / WSFS Financial Corporation · 22 Oct 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.