WSFS Financial vs Bread Financial

This page compares WSFS Financial and Bread Financial, examining their business models, financial performance, and the market context in which they operate. It presents objective information to help readers understand similarities and differences, while avoiding recommendations. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

WSFS

Metric

BFH

$3.08B

Market Cap

$3.19B

7.13%

Potential Profit

8.63%

Buy

Analyst Rating

Buy

Investment Analysis

WSFS Financial

WSFS

Pros

WSFS Financial has a strong regional presence as the oldest and largest locally headquartered bank in the Greater Philadelphia and Delaware region.
The company reported steady revenue growth with a 6.26% increase in 2024, reaching nearly $985 million.
WSFS maintains a solid asset base with $20.8 billion in assets and $93.4 billion in assets under management as of September 2025.

Considerations

Net income slightly declined by 2.04% in 2024 despite revenue growth, indicating potential margin pressures.
The company's stock price has fluctuated within a wide 52-week range of $42.44 to $62.75, showing volatility.
WSFS operates in a highly competitive regional banking environment which could limit rapid expansion opportunities.

Bread Financial

BFH

Pros

Bread Financial has a market capitalization of approximately $2.91 billion, reflecting moderate scale.
The company has a relatively liquid stock with daily trading volume around 667,623 shares.
Bread Financial operates in the financial services sector, offering diversification and potential growth driven by evolving payment solutions.

Considerations

Bread Financial's stock recent price near $64 shows limited upside compared to WSFS based on current trading data.
Smaller market size and shares outstanding (45.60M) than WSFS could imply lower liquidity and institutional coverage.
The company faces sector-specific regulatory and competitive risks inherent in the credit and payments industry.

About The Companies

WSFS Financial (WSFS)

WSFS Financial Corporation is a holding company that provides a broad range of financial services primarily through its main subsidiary, Wilmington Savings Fund Society, FSB (WSFS Bank). The company's operations are organised into three key segments. The WSFS Bank division offers commercial and consumer banking products, including loans, leases, and deposit accounts. The Cash Connect segment is a prominent provider of ATM vault cash, smart safe, and other cash logistics services across the United States. Finally, its Wealth Management arm delivers planning, advisory, and investment management services to individuals and institutions. This diversified model allows WSFS to serve a wide spectrum of financial needs, from everyday banking to complex wealth strategies. As with any financial institution, its performance can be influenced by economic conditions and interest rate changes. It's a company with deep roots, aiming to meet modern financial demands.

Bread Financial (BFH)

Bread Financial Holdings Inc (BFH) is a US‑listed consumer finance company that issues private‑label and co‑branded credit cards, provides payment and loyalty solutions, and offers account servicing to retailers and partners. With a market capitalisation around $2.8bn, BFH earns revenue from interest on receivables, fees and merchant and programme services. Investors should note its performance is cyclical and closely tied to consumer spending, credit quality and interest rates. Management has focused on digital offerings and retail partnerships to diversify revenue, but execution and competition from banks and fintechs matter. Key considerations include loan loss provisions, delinquencies, net interest margin and the health of retail partners. As with any credit business, stronger economic conditions can help growth while downturns can raise charge‑offs. This summary is educational only and not personal advice; investors should review the company’s filings and consider their own risk tolerance before investing.

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Comparison Snapshot