What is Wsfs Financial Corp worth?
With the base-case assumptions below, a discounted cash flow model on Wsfs Financial Corp's reported free cash flow gives $159.16 per share. The share price was $79.94 on November 10, 2026, 50% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 10.0% | 10.0% | $110.12 | +38% |
| Base | 15.0% | 9.0% | $159.16 | +99% |
| Bull | 20.0% | 8.0% | $250.47 | +213% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $196.29 | $207.86 | $222.01 | $239.70 | $262.44 |
| 8.0% | $168.40 | $175.90 | $184.78 | $195.42 | $208.44 |
| 9.0% | $148.10 | $153.24 | $159.16 | $166.07 | $174.23 |
| 10.0% | $132.71 | $136.36 | $140.50 | $145.23 | $150.69 |
| 11.0% | $120.67 | $123.35 | $126.34 | $129.71 | $133.52 |
Where the presets come from
Base: years 1 to 5 grow at Wsfs Financial Corp's revenue growth rate over the last 5 fiscal years (20.5% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions