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FBP vs WSFS

FBP
First BanCorp.
NEUTRAL
Price
$23.41
Market Cap
$3.62B
Sector
Financial Services
AI Confidence
85%
WSFS
WSFS Financial Corporation
NEUTRAL
Price
$70.15
Market Cap
$3.7B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
FBP
10.89
WSFS
13.78
Forward P/E
FBP
9.95
WSFS
10.96
P/B Ratio
FBP
1.85
WSFS
1.37
P/S Ratio
FBP
3.88
WSFS
3.64
EV/EBITDA
FBP
--
WSFS
--

Profitability

Gross Margin
FBP
0.0%
WSFS
0.0%
Operating Margin
FBP
47.8%
WSFS
38.04%
Profit Margin
FBP
38.22%
WSFS
28.26%
ROE
FBP
19.04%
WSFS
10.82%
ROA
FBP
1.87%
WSFS
1.36%

Growth

Revenue Growth
FBP
8.1%
WSFS
2.3%
Earnings Growth
FBP
21.3%
WSFS
23.8%

Financial Health

Debt/Equity
FBP
--
WSFS
--
Current Ratio
FBP
--
WSFS
--
Quick Ratio
FBP
--
WSFS
--

Dividends

Dividend Yield
FBP
3.25%
WSFS
0.97%
Payout Ratio
FBP
33.49%
WSFS
12.97%

AI Verdict

FBP NEUTRAL

FBP presents a stark contrast between strong profitability and deteriorating operational health, highlighted by a weak Piotroski F-Score of 2/9. While the company maintains a robust ROE of 19.04% and a consistent track record of earnings beats, the low health score and bearish insider sentiment suggest underlying systemic risks. The stock is currently trading slightly below its Graham Number ($24.73), suggesting a defensive value floor, though it remains far below its growth-based intrinsic value of $63.42. Overall, the strong earnings momentum is offset by poor deterministic health metrics and negative insider signals.

Strengths
Strong Return on Equity (ROE) of 19.04%
Consistent earnings beat track record (3/4 last 4 quarters)
Attractive P/E ratio (10.89) relative to sector average
Risks
Very weak Piotroski F-Score (2/9) indicating poor financial health trends
Bearish insider activity with net selling in the last 6 months
High PEG ratio (4.15) suggesting growth is expensive relative to earnings
WSFS NEUTRAL

WSFS presents a stark dichotomy between strong earnings performance and weak fundamental health, highlighted by a weak Piotroski F-Score of 3/9. While the stock is attractively valued, trading below its Graham Number ($76.63) and showing a PEG ratio of 0.98, the low F-Score suggests deteriorating operational efficiency or financial quality. Earnings growth is impressive at 23.8% YoY with a consistent track record of beats, but this is contrasted by sluggish revenue growth and bearish insider sentiment. The stock is a value play with significant underlying health caveats that warrant a neutral stance.

Strengths
Consistent earnings track record with 4/4 beats in the last year
Strong YoY earnings growth of 23.8%
Attractive valuation metrics (P/E 13.78, Forward P/E 10.96)
Risks
Weak Piotroski F-Score (3/9) indicating poor fundamental health
Bearish insider activity with multiple sales and zero buys
Stagnant revenue growth (2.3% YoY) compared to earnings growth

Compare Another Pair

FBP vs WSFS: Head-to-Head Comparison

This page compares First BanCorp. (FBP) and WSFS Financial Corporation (WSFS) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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