F

WSFS Financial Corporation — Earnings Quality Grade F

WSFS · Financial Services

Major red flags

Revenue
$1.1B
2025
Net Income
$287M
2025
Gross Margin
Free Cash Flow
$214M
01

Screening Summary

10
Passed
1
Watch
1
Failed
M-Score

Management Signals

No recent CEO, CFO, board, or accounting leadership signals found in SEC 8-K filings.
02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

DSO 27 days, change -2 days YoY

A2AR vs Revenue Growth

AR growth -5.2% vs revenue growth 1.8%

A3Revenue vs CFFO

Revenue 1.8%, CFFO 0.0%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

B2CapEx vs Revenue

CapEx growth -55.2% vs revenue 1.8%. Normal

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO < Net Income for 3 consecutive years

C2Free Cash Flow

FCF $0.2B, FCF/NI = 0.74

C3Accruals Ratio

Accruals ratio = 0.3%. Low accruals

C4Cash vs Debt

Cash $1.7B covers debt $0.3B

04

Balance Sheet Health

!
D1Goodwill + Intangibles

Goodwill+Intangibles $1.0B = 35% of equity

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

E2Goodwill Surge

Goodwill+Intangibles change -2% YoY. Normal

06

Manipulation Score

F1Beneish M-Score

Insufficient data

Portfolio monitoring

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Altman Z-Score — Not Applicable

WSFS Financial Corporation is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25