WSFS Financial Corporation research snapshot
WSFS AI stock analysis currently reads WSFS Financial Corporation as a well-capitalized Mid-Atlantic regional bank with a 194-year operating history, accelerating earnings momentum, and a fair valuation. The analysis is not a certain price prediction. At the August 3, 2026 cutoff, the latest verified reference price used here was $81.14, market capitalization was about $4.17 billion, and the main question was whether the bank can sustain its double-digit earnings growth and rising fee income through the rest of the rate cycle while managing CRE exposure. This is informational research and not investment advice.
Current price
$81.14
Market cap
$4.17 billion
AI score
74 / 100
Rating
Attractive regional bank with strong momentum at a fair valuation
Trend status
Uptrend, trading near its 52-week high after a Q2 2026 earnings beat
Data cutoff (updated monthly)
August 4, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | WSFS operates a traditional community and commercial banking model with additional revenue from Cash Connect ATM services and a growing Wealth and Trust segment. The business generates stable net interest income and rising fee revenue. | Medium-high |
| Moat | The moat comes from long-standing regional brand recognition in Delaware and southeastern Pennsylvania, relationship-based commercial banking, the Cash Connect niche, and wealth and trust advisory stickiness. | Medium |
| Management | Management has a track record of conservative underwriting, steady dividend growth, active buybacks, and measured expansion. Q2 2026 guidance for ROA, net interest margin, and deposit growth was raised, and the company celebrated 40 years as a public company in 2026. | Medium-high |
| Financial trend | TTM revenue of about $1.08 billion and net income of about $320 million. Q2 2026 EPS of $1.63 beat the $1.50 consensus, with ROA of 1.52% and core EPS up 31% year over year. ROE near 11.9% and ROA near 1.5% are solid for a regional bank. | High |
| Valuation | The stock traded near 13.5x TTM earnings, 12.2x forward earnings, and 1.51x book value at the cutoff, broadly in line with regional bank peers. The valuation is reasonable but no longer cheap after the 2026 rally. | Medium-high |
| Technical trend | WSFS traded above its 20-day, 50-day, 100-day, and 200-day moving averages with a strong ADX reading near 37.6, indicating a firmly trending uptrend with RSI near 63. | Medium-high |
| Risk level | Key risks are CRE concentration, net interest margin compression if rates fall, regional economic sensitivity (Delaware/Mid-Atlantic), competition from larger banks and fintech, and the risk that the stock has already priced in much of the 2026 earnings momentum. | Medium-high |
| AI confidence | High confidence for the financial map, SEC filings, market cap math, and risk categories. Lower confidence for predicting rate-cycle timing and credit outcomes. | Medium-high data confidence |
| Investment certainty | Medium certainty. WSFS is a solid bank with strong momentum, but the stock has rallied sharply in 2026 and now trades near its 52-week high, so a pullback or valuation pause is plausible. | Medium |
WSFS AI stock forecast
The WSFS AI stock forecast uses scenario ranges around the $81.14 cutoff price. It does not claim that AI can predict a specific future price. The bullish case requires net interest margin stability or expansion, continued Wealth and Trust fee growth, healthy loan growth, benign credit conditions, and further buybacks. The base case assumes the bank compounds earnings at a low double-digit pace. The bearish case assumes a downturn that pressures credit quality and compresses the valuation multiple.
$92 to $108
More likely if WSFS sustains net interest margin stability, Wealth and Trust and Institutional Services fee income keeps growing, loan growth stays solid in the Mid-Atlantic region, credit quality remains benign, and the market re-rates the stock toward 14-15x forward earnings.
$80 to $92
More likely if EPS grows at a low double-digit pace, the bank maintains its rising dividend and buybacks, and the stock trades near 12.5-13.5x forward earnings, broadly in line with the consensus analyst target near $89.
$50 to $65
More likely if rate cuts compress net interest margin, CRE portfolios deteriorate, loan loss provisions rise meaningfully, and the market re-rates WSFS toward 9-10x earnings.
WSFS AI technical analysis
WSFS AI technical analysis starts from the $81.14 reference price used for this August 3 static page. Public technical sources showed the stock trading above all major moving averages with a strong ADX reading near 37.6, indicating a firmly trending uptrend. RSI near 63 is neutral, not overbought. Because this page does not fetch request-time market data, traders should confirm levels on a live chart before acting.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $81.14 | Latest verified reference price for this page as of the August 3, 2026 data cutoff. |
| Near support | $79 to $80 | The 20-day moving average area near $79. A hold above this level supports the short-term uptrend. |
| Secondary support | $75 to $76 | The 50-day moving average area near $76. A sustained break below would weaken the near-term setup. |
| Near resistance | $82 to $83 | The 52-week high zone near $82.30. A clean breakout above this level would open the path toward the next resistance horizon. |
| 100-day moving average | About $72.13 | Barchart showed the 100-day MA near $72, a mid-term reference point if the stock corrects. |
| 200-day moving average | About $65.35 | WSFS traded well above its 200-day MA, supporting the long-term uptrend. |
| Momentum | ADX 37.61, RSI 62.76 | ADX above 25 signals a strong trend. RSI near 63 is neutral, suggesting room for further upside without being overbought. |
| Volume | About 468,000 shares (20-day average) | Average daily volume of roughly 468,000 shares. A breakout attempt on significantly higher volume would carry more conviction. |
| Volatility | ATR 14 near $1.63 | Position sizing should account for normal daily movement of about $1.63 around the cutoff price. |
| Invalidation | Close below $76, then $65 | A close below the 50-day area weakens the near-term trend. A break below the 200-day area would challenge the long-term bullish structure. |
WSFS AI trading strategy
The WSFS AI trading strategy is a rules-based framework, not personalized advice. It combines filing-backed business evidence, technical confirmation, position sizing, and clear invalidation levels.
Look for WSFS to hold above the 20-day MA area near $79 and break above the $82 to $83 52-week high resistance zone on above-average volume before treating momentum as confirmed.
A failed breakout or daily close below the 50-day area near $76 should reduce confidence in the uptrend continuation.
If WSFS pulls back toward $79 to $80 without a thesis break, compare the pullback with upcoming earnings, rate path signals, and CRE market data before considering entry.
Do not average down solely because the bank has a long track record. Define maximum loss relative to the 200-day MA near $65.
Track quarterly net interest margin, loan and deposit growth, Wealth and Trust fee income, CRE portfolio performance, provision expense, dividend growth, and buyback activity.
Lower the rating if net interest margin contracts consistently, CRE nonperformers rise, fee income growth stalls, or earnings growth slows while the stock keeps its current multiple.
Investment research summary
WSFS is a community and commercial bank serving the Mid-Atlantic region with deposit, lending, Cash Connect ATM services, and Wealth and Trust operations. Clients pay for local relationship banking, cash logistics, and trust and advisory services.
The moat is modest but real: regional brand recognition built over 194 years, relationship-based commercial lending, a niche ATM cash management business (Cash Connect), and sticky Wealth and Trust advisory relationships.
The thesis can fail if CRE concentration leads to material credit losses in a downturn, if net interest margin compresses faster than expected as rates fall, if larger banks or fintech erode the deposit base, or if the Delaware/Mid-Atlantic economy weakens.
Management has demonstrated conservative underwriting, consistent dividend increases, active buybacks, and a long-term orientation. The 40th public company anniversary in 2026 and the raised Q2 2026 guidance signal institutional stability and confidence. Succession depth is a standard monitoring item.
Regional banking faces headwinds from rate volatility, CRE stress, and technology-driven competition from larger banks and fintech. WSFS offsets some of these through its Cash Connect niche and the growing Wealth and Trust segment, which drove part of the Q2 2026 fee growth.
At roughly 13.5x TTM earnings, 12.2x forward earnings, and 1.51x book value, WSFS trades in line with regional bank peers. The current price embeds solid growth expectations and offers limited margin of safety after a roughly 46% year-to-date rally. A better entry would require either a lower valuation or clearer confirmation that earnings growth continues.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| WSFS price | $81.14 on August 3, 2026 | StockAnalysis.com quote snapshot | August 3, 2026 |
| Market capitalization | $4.17 billion, verified as $81.14 x approximately 51.4 million shares | financial_rigor.py market cap verification, StockAnalysis.com and Yahoo Finance | August 3, 2026 |
| TTM revenue | Approximately $1.08 billion | StockAnalysis.com financial summary | August 3, 2026 |
| TTM net income | Approximately $320 million | StockAnalysis.com financial summary | August 3, 2026 |
| Q2 2026 EPS | $1.63 versus consensus of $1.50 | WSFS 2Q 2026 earnings release via StockAnalysis.com and The Fly | August 3, 2026 |
| Q2 2026 revenue and ROA | Revenue of $282.5 million and ROA of 1.52% | WSFS 2Q 2026 earnings release via The Fly and Business Wire | August 3, 2026 |
| EPS (TTM) | $5.95 to $6.02 | StockAnalysis.com statistics and Yahoo Finance statistics | August 3, 2026 |
| Book value per share | Approximately $52.97 | StockAnalysis.com balance sheet | August 3, 2026 |
| Dividend and yield | $0.80 annual dividend, 1.00% yield, ex-date August 7, 2026 | StockAnalysis.com dividends and Yahoo Finance statistics | August 3, 2026 |
| Moving averages and momentum | 20-day MA about $79.02, 50-day MA about $76.04, 200-day MA about $65.35, RSI 62.76, ADX 37.61 | Barchart technical analysis page | August 3, 2026 |
| Valuation math | 13.47x TTM PE, 12.21x forward PE, 1.51x P/B from financial_rigor.py verification | financial_rigor.py valuation verification and StockAnalysis.com | August 3, 2026 |
| 52-week range and beta | 52-week range $49.92 to $82.30, beta 0.76 | StockAnalysis.com and Yahoo Finance statistics | August 3, 2026 |
| Analyst consensus and target | Consensus Buy with an average price target of $88.92 from 6 analysts | StockAnalysis.com analyst forecast | August 3, 2026 |
| Segment mix (FY2025) | WSFS Bank about $710 million, Wealth and Trust about $261 million, Cash Connect about $85 million | StockAnalysis.com revenue by segment | August 3, 2026 |
| Short interest | 2.18 million shares, about 4.25% of shares outstanding | StockAnalysis.com statistics | August 3, 2026 |
This WSFS AI stock analysis is an informational tool for research and education only. It is not investment advice, a recommendation, or a guarantee of future performance. Forecast ranges are scenarios based on available data as of August 3, 2026 and can be wrong.
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