WSFS Financial Corporation (WSFS) Balance Sheet
WSFS balance sheet, 2025
December 31, 2025 · U.S. dollars$21.31B assets = $18.59B liabilities + $2.73B equity
Both columns are drawn to the same scale: what WSFS owns equals what it owes plus shareholders’ equity. Hover a block for its value.
WSFS financial health
Descriptive bands, not a rating. Fiscal 2025.
WSFS balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $6.77B2016 | $21.31B2025 | +13.6%/yr | |
| Total liabilities | $6.08B2016 | $18.59B2025 | +13.2%/yr | |
| Shareholders’ equity | $687.3M2016 | $2.73B2025 | +16.6%/yr | |
| Cash & short-term investments | $1.62B2016 | $1.36B2025 | −1.9%/yr | |
| Total debt | $1.55B2016 | $302.7M2025 | −16.6%/yr | |
| Net cash (debt) | $65.8M2016 | $1.06B2025 | +$990.4M | |
| Working capital | $5.57B2016 | −$16.28B2025 | −$21.8B | |
| Book value per share | $22.112016 | $50.182025 | +9.5%/yr | |
| Debt / equity | 2.262016 | 0.112025 | −2.15 | |
| Shares outstanding | 31.1M2016 | 54.4M2025 | +6.4%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
WSFS assets
WSFS liabilities and equity
WSFS debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
WSFS balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $1.36B | $1.17B | $1.09B | $832.6M | $6.73B | $4.18B | $571.8M | $1.83B | $1.56B | $1.62B |
| Cash & equivalents | $1.33B | $1.15B | $1.09B | $832.6M | $1.53B | $1.65B | $571.8M | $619.6M | $720.3M | $818.4M |
| Short-term investments | $32.5M | $16.7M | $3.85B | $4.09B | $5.21B | $2.53B | $1.94B | $1.21B | $838.1M | $794.5M |
| Receivables | $80.3M | $732.2M | $709.6M | $633.4M | $41.6M | $44.3M | $226.7M | $22.0M | $19.4M | $17.0M |
| Inventory | $0 | $0 | $1.00B | $833,000 | −$1.58B | −$1.70B | −$612.5M | $2.7M | $2.5M | $3.6M |
| Other current assets | $0 | $0 | $0 | $0 | $1.58B | $1.70B | $612.5M | $0 | $0 | $3.93B |
| Total current assets | $1.36B | $1.90B | $1.80B | $1.47B | $6.77B | $4.22B | $798.5M | $1.85B | $1.58B | $5.57B |
| Property, plant & equipment (net) | $80.3M | $86.0M | $104.5M | $115.6M | $87.3M | $96.6M | $104.5M | $45.0M | $48.0M | $48.9M |
| Goodwill & intangible assets | $1.94B | $988.2M | $1.00B | $1.01B | $547.2M | $557.4M | $568.7M | $186.0M | $188.4M | $191.2M |
| Long-term investments | $4.52B | $4.54B | $4.92B | $5.26B | $5.32B | $2.74B | $10.66B | $6.28B | $4.97B | $4.64B |
| Other non-current assets | $13.41B | $13.29B | $12.76B | $12.06B | $3.05B | $6.72B | $127.7M | $0 | $211.3M | $0 |
| Total assets | $21.31B | $20.81B | $20.59B | $19.91B | $15.78B | $14.33B | $12.26B | $7.25B | $7.00B | $6.77B |
| Liabilities | ||||||||||
| Accounts payable | $19.6M | $38.2M | $46.7M | $5.2M | $736,000 | $1.4M | $3.1M | $1.9M | $1.0M | $1.2M |
| Short-term debt | — | $18.1M | $15.3M | $14.7M | $12.7M | $17.0M | $195.0M | $158.0M | $28.0M | $1.27B |
| Deferred revenue | — | — | −$15.3M | −$9.5M | −$12.0M | −$15.6M | −$244.0M | −$421.9M | −$708.5M | −$128.8M |
| Total current liabilities | $17.64B | $17.07B | $16.52B | $16.21B | $736,000 | $1.4M | $9.78B | $5.80B | $5.28B | $1.2M |
| Long-term debt | $302.7M | $383.6M | $895.1M | $726.9M | $239.5M | $334.0M | $181.6M | $213.3M | $199.8M | $283.2M |
| Other long-term liabilities | $640.8M | $783.3M | $709.0M | $777.2M | $0 | $6.6M | $440.2M | $414.3M | $798.7M | $854.2M |
| Total liabilities | $18.59B | $18.23B | $18.12B | $17.71B | $13.84B | $12.54B | $10.41B | $6.43B | $6.28B | $6.08B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $2.74B | $763,000 | $761,000 | $759,000 | $577,000 | $576,000 | $575,000 | $569,000 | $563,000 | $580,000 |
| Retained earnings (deficit) | $2.12B | $1.87B | $1.64B | $1.41B | $1.22B | $977.4M | $917.4M | $791.0M | $669.6M | $627.1M |
| Treasury stock | — | — | — | — | −$307.3M | −$295.3M | −$140.2M | −$305.1M | −$273.9M | −$262.2M |
| Accumulated other comprehensive income | — | −$624.9M | −$594.0M | −$675.8M | −$37.8M | $56.0M | $23.5M | −$15.4M | −$8.2M | −$7.6M |
| Minority interest | −$10.5M | −$10.4M | −$7.8M | −$3.2M | −$2.1M | −$2.2M | −$815,000 | — | $0 | $0 |
| Total shareholders' equity | $2.73B | $2.59B | $2.48B | $2.21B | $1.94B | $1.79B | $1.85B | $820.9M | $724.3M | $687.3M |
| Key figures | ||||||||||
| Total debt | $302.7M | $383.6M | $895.1M | $726.9M | $252.2M | $351.0M | $489.3M | $699.8M | $937.8M | $1.55B |
| Net cash (debt) | $1.06B | $786.2M | $193.6M | $105.7M | $6.48B | $3.83B | $82.5M | $1.13B | $624.2M | $65.8M |
| Working capital | −$16.28B | −$15.17B | −$14.72B | −$14.74B | $6.77B | $4.22B | −$8.99B | −$3.95B | −$3.70B | $5.57B |
| Tangible book value | $788.3M | $1.60B | $1.47B | $1.19B | $1.39B | $1.23B | $1.28B | $634.9M | $535.9M | $496.1M |
| Book value per share | $50.18 | $43.35 | $40.47 | $34.64 | $40.61 | $35.40 | $35.88 | $25.52 | $22.42 | $22.11 |
| Shares outstanding | 54.4M | 59.7M | 61.2M | 63.7M | 47.7M | 50.5M | 51.6M | 32.2M | 32.3M | 31.1M |
| Current ratio | 0.08 | 0.11 | 0.11 | 0.09 | 9,204.38 | 2,910.65 | 0.08 | 0.32 | 0.30 | 4,836.02 |
| Quick ratio | 0.08 | 0.11 | 0.11 | 0.09 | 9,204.38 | 2,910.65 | 0.08 | 0.32 | 0.30 | 1,419.19 |
| Debt / equity | 0.11 | 0.15 | 0.36 | 0.33 | 0.13 | 0.20 | 0.26 | 0.85 | 1.29 | 2.26 |
| Equity / assets | 12.8% | 12.4% | 12.0% | 11.1% | 12.3% | 12.5% | 15.1% | 11.3% | 10.3% | 10.2% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $7.39B | $2.47B | $1.36B | $1.61B | $1.35B | $1.04B | $1.17B | $1.00B | $1.04B | $979.5M | $1.09B | $606.5M |
| Cash & equivalents | $2.57B | $2.47B | $1.33B | $1.57B | $1.33B | $1.02B | $1.15B | $987.2M | $1.02B | $977.1M | $1.09B | $606.5M |
| Short-term investments | $4.82B | $3.58B | $32.5M | $45.8M | $23.4M | $22.0M | $16.7M | $16.7M | $16.6M | $2.4M | $3.85B | $3.69B |
| Receivables | $78.1M | $79.0M | $80.3M | $696.8M | $709.9M | $716.9M | $732.2M | $732.8M | $732.4M | $722.1M | $709.6M | $687.6M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$4.40B | $930.0M | −$1.06B | $1.00B | −$775.6M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $4.40B | $0 | $1.06B | $0 | $775.6M |
| Total current assets | $7.39B | $2.47B | $1.36B | $2.31B | $2.06B | $1.76B | $1.90B | $1.74B | $1.77B | $1.70B | $1.80B | $1.29B |
| Property, plant & equipment (net) | $75.6M | $76.6M | $80.3M | $82.7M | $84.4M | $85.2M | $86.0M | $104.4M | $104.0M | $104.6M | $104.5M | $105.0M |
| Goodwill & intangible assets | $1.04B | $1.05B | $1.05B | $973.7M | $977.5M | $983.9M | $988.2M | $992.2M | $996.2M | $1.00B | $1.00B | $1.01B |
| Long-term investments | $4.79B | $4.55B | $4.52B | $4.50B | $4.51B | $4.57B | $4.54B | $4.78B | $4.71B | $4.80B | $4.92B | $4.80B |
| Other non-current assets | $9.36B | $13.96B | $14.30B | $12.98B | $13.13B | $13.15B | $13.29B | $13.29B | $13.17B | $12.97B | $12.76B | $12.83B |
| Total assets | $22.65B | $22.11B | $21.31B | $20.84B | $20.76B | $20.55B | $20.81B | $20.91B | $20.74B | $20.58B | $20.59B | $20.04B |
| Liabilities | ||||||||||||
| Accounts payable | $16.2M | $20.3M | $19.6M | $25.7M | $29.1M | $35.9M | $38.2M | $73.4M | $56.7M | $37.9M | $46.7M | $42.5M |
| Short-term debt | $307.0M | — | — | — | $9.4M | $14.0M | $18.1M | $4.7M | $9.4M | $13.6M | $15.3M | $25.0M |
| Deferred revenue | — | — | — | — | — | — | — | — | −$56.7M | −$37.9M | −$15.3M | −$42.5M |
| Total current liabilities | $19.31B | — | $17.64B | $17.25B | $17.15B | $16.92B | $17.07B | $16.50B | $16.35B | $16.23B | $16.52B | $16.05B |
| Long-term debt | $307.0M | $310.4M | $302.7M | $255.1M | $303.5M | $318.1M | $383.6M | $1.08B | $1.14B | $1.12B | $895.1M | $917.8M |
| Other long-term liabilities | $325.2M | $19.08B | $640.8M | $590.6M | $637.0M | $654.6M | $783.3M | $662.6M | $776.2M | $763.6M | $709.0M | $833.9M |
| Total liabilities | $19.94B | $19.39B | $18.59B | $18.10B | $18.09B | $17.89B | $18.23B | $18.24B | $18.27B | $18.11B | $18.12B | $17.81B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $767,000 | $765,000 | $2.74B | $764,000 | $764,000 | $763,000 | $763,000 | $762,000 | $762,000 | $761,000 | $761,000 | $761,000 |
| Retained earnings (deficit) | $2.27B | $2.20B | $2.12B | $2.06B | $1.99B | $1.93B | $1.87B | $1.82B | $1.76B | $1.70B | $1.64B | $1.59B |
| Accumulated other comprehensive income | −$466.2M | — | — | −$474.7M | −$522.2M | −$549.5M | −$624.9M | −$500.0M | −$642.9M | −$636.9M | −$594.0M | −$780.7M |
| Minority interest | −$10.7M | −$10.5M | −$10.5M | −$10.5M | −$10.5M | — | — | — | — | — | — | — |
| Total shareholders' equity | $2.72B | $2.71B | $2.73B | $2.75B | $2.68B | $2.67B | $2.59B | $2.68B | $2.49B | $2.47B | $2.48B | $2.24B |
| Key figures | ||||||||||||
| Total debt | $307.0M | $310.4M | $302.7M | $255.1M | $303.5M | $318.1M | $383.6M | $1.08B | $1.14B | $1.12B | $895.1M | $917.8M |
| Net cash (debt) | $7.08B | $2.16B | $1.06B | $1.36B | $1.05B | $720.6M | $786.2M | −$71.3M | −$106.3M | −$145.5M | $193.6M | −$311.4M |
| Working capital | −$11.92B | — | −$16.28B | −$14.94B | −$15.09B | −$15.16B | −$15.17B | −$14.76B | −$14.58B | −$14.52B | −$14.72B | −$14.76B |
| Tangible book value | $1.68B | $1.67B | $1.67B | $1.78B | $1.71B | $1.69B | $1.60B | $1.69B | $1.49B | $1.47B | $1.47B | $1.23B |
| Book value per share | $52.41 | $51.18 | $50.18 | $48.16 | $47.19 | $45.50 | $43.84 | $45.09 | $41.52 | $40.87 | $40.77 | $36.74 |
| Shares outstanding | 51.9M | 53.0M | 54.4M | 57.2M | 56.9M | 58.7M | 59.1M | 59.4M | 60.0M | 60.5M | 60.8M | 61.0M |
| Current ratio | 0.38 | — | 0.08 | 0.13 | 0.12 | 0.10 | 0.11 | 0.11 | 0.11 | 0.10 | 0.11 | 0.08 |
| Quick ratio | 0.39 | — | 0.08 | 0.13 | 0.12 | 0.10 | 0.11 | 0.11 | 0.11 | 0.10 | 0.11 | 0.08 |
| Debt / equity | 0.11 | 0.11 | 0.11 | 0.09 | 0.11 | 0.12 | 0.15 | 0.40 | 0.46 | 0.45 | 0.36 | 0.41 |
| Equity / assets | 12.0% | 12.3% | 12.8% | 13.2% | 12.9% | 13.0% | 12.4% | 12.8% | 12.0% | 12.0% | 12.0% | 11.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 2, 2026); data from EODHD.
WSFS financial position
At the end of fiscal 2025 (December 31, 2025), WSFS Financial had total assets of $21.3 billion (up 2.4% from a year earlier), total liabilities of $18.6 billion and shareholders' equity of $2.7 billion. It held $1.4 billion in cash and short-term investments against $302.7 million of debt, a net cash position of $1.1 billion. Its current ratio was 0.08. In the latest quarter (ended June 30, 2026) total assets were $22.7 billion and equity $2.7 billion.
Related: WSFS income statement, WSFS cash flow statement, WSFS key metrics. See the WSFS stock overview for the latest quote and news.
WSFS balance sheet FAQ
What are WSFS Financial's total assets?
WSFS Financial reported total assets of $21.3 billion at the end of fiscal 2025 (December 31, 2025), compared with $20.8 billion a year earlier.
How much debt does WSFS Financial have?
WSFS Financial had $302.7 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.11.
How much cash does WSFS Financial have?
WSFS Financial held $1.4 billion in cash and short-term investments at the end of fiscal 2025; with $302.7 million of debt that is net cash of $1.1 billion.
What is WSFS Financial's book value?
WSFS Financial's shareholders' equity (book value) was $2.7 billion at the end of fiscal 2025, or $50.18 per share.
What is WSFS Financial's current ratio?
WSFS Financial had current assets of $1.4 billion and current liabilities of $17.6 billion, a current ratio of 0.08 (current liabilities exceed current assets).
How much goodwill does WSFS Financial have?
WSFS Financial carried $1.9 billion of goodwill and intangible assets, 9.1% of total assets, at the end of fiscal 2025.