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Wsfs Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$163M in Q3 2026 · $286M over twelve months

Operating cash flow$171M
Capital spending−$7.2M
Free cash flow+$163M
Cash / net income1.9×

Analysis

In Q3 2026, Wsfs Financial generated $171M of operating cash flow and spent $7.2M on capital projects, leaving free cash flow of $163M. That is $43.1M more than in Q3 2025 ($120M).

Over the twelve months to Sep 30, 2026, operating cash flow was $297M; the largest uses were other investing ($770M), buybacks ($323M), net borrowing (+) / repaid (−) ($150M); besides operations, cash came from other financing ($1.4B), asset & business sales ($8K); the cash balance rose by $357M.

Operating cash flow was $171M against net income of $89.3M — 1.9× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$188M, prepaid and other assets −$87.2M, deferred taxes −$6.0M.

Free cash flow

Wsfs Financial: free cash flow by quarterWsfs Financial: free cash flow by quarter$55.4MQ4 2024$6.3MQ1 2025$35.2MQ2 2025$120MQ3 2025$51.8MQ4 2025$85.5MQ1 2026−$14.4MQ2 2026$163MQ3 2026
Operating cash flow less capital spending.
Wsfs Financial: operating cash flow against capital spendingWsfs Financial: operating cash flow against capital spendingOperating cash flowCapital spending$59.0M$3.7MQ4 2024$8.7M$2.4MQ1 2025$37.2M$2.0MQ2 2025$122M$1.2MQ3 2025$52.5M$749KQ4 2025$86.4M$885KQ1 2026−$12.7M$1.7MQ2 2026$171M$7.2MQ3 2026
Latest (Q3 2026): Operating cash flow $171M, Capital spending $7.2M.

Capital allocation, year by year

Wsfs Financial: where the cash came from (up) and went (down), by fiscal yearWsfs Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $126MFY2021: Net borrowing −$100MFY2021: Shares issued $1.5MFY2021: Asset sales $427KFY2021: Capital spending −$6.6MFY2021: Buybacks −$13.3MFY2021: Dividends −$24.2M$128MFY2021FY2022: Operating cash flow $481MFY2022: Shares issued $3.2MFY2022: Asset sales $1.2MFY2022: Capital spending −$8.8MFY2022: Acquisitions $574MFY2022: Buybacks −$200MFY2022: Dividends −$35.7M$1.1BFY2022FY2023: Operating cash flow $237MFY2023: Net borrowing −$30.0MFY2023: Shares issued $3.3MFY2023: Asset sales $17KFY2023: Capital spending −$6.4MFY2023: Acquisitions −$3.0MFY2023: Buybacks −$54.6MFY2023: Dividends −$36.7M$240MFY2023FY2024: Operating cash flow $220MFY2024: Shares issued $466KFY2024: Capital spending −$14.3MFY2024: Buybacks −$96.3MFY2024: Dividends −$35.8M$220MFY2024FY2025: Operating cash flow $220MFY2025: Net borrowing −$20.0MFY2025: Shares issued −$3.2MFY2025: Asset sales $2.4MFY2025: Capital spending −$6.4MFY2025: Buybacks −$290MFY2025: Dividends −$37.2M$222MFY2025
Over these 5 years operating cash flow totalled $1.3B; the largest uses were buybacks ($655M) and dividends ($170M). Cash-flow statements as filed.

Where the cash came from and went

Wsfs Financial: sources (+) and uses (−) of cash, Q3 2026Wsfs Financial: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$640MOther financing−$622MOperating cash flow$171MOther investing−$111MBuybacks−$60.2MDividends−$10.2MCapital spending−$7.2MShares issued$226K
Wsfs Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Wsfs Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$1.4BOther investing−$770MCash drawn (+) / kept (−)−$357MBuybacks−$323MOperating cash flow$297MNet borrowing (+) / repaid (−)−$150MDividends−$38.9MCapital spending−$10.6MShares issued−$2.5MAsset & business sales$8K

From profit to cash

Wsfs Financial: net income to operating cash flow, Q3 2026Wsfs Financial: net income to operating cash flow, Q3 2026Net income$89.3MStock-based pay$3.4MDeferred taxes−$6.0MPrepaid and other assets−$87.2MOther liabilities$188MOperating cash flow$171M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$171M−$7.2M−$60.2M−$10.2M—$226K$640M$163M
Q2 2026−$12.7M−$1.7M−$66.8M−$10.4M—−$1.4M−$99.1M−$14.4M
Q1 2026$86.4M−$885K−$85.8M−$9.0M—−$1.1M−$772M$85.5M
Q4 2025$52.5M−$749K−$110M−$9.3M−$150M−$284K−$126M$51.8M
Q3 2025$122M−$1.2M−$47.2M−$9.5M—$228K−$242M$120M
Q2 2025$37.2M−$2.0M−$78.4M−$9.6M—−$3.8M−$314M$35.2M
Q1 2025$8.7M−$2.4M−$54.3M−$8.8M−$70.0M$640K$138M$6.3M
Q4 2024$59.0M−$3.7M−$21.2M−$8.8M—$129K−$164M$55.4M

Wsfs Financial: income statement and cash flow

Wsfs Financial, Q3 2026: revenue $288M (+6% year over year), operating margin 40.9%. The chart follows the revenue to costs, profit and cash.

Wsfs Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.