WSFS Financial vs National MI

This page compares WSFS Financial and National MI, presenting a neutral overview of their business models, financial performance, and market context to help readers understand how each operates within the financial services sector. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

WSFS

Metric

NMIH

$3.08B

Market Cap

$2.90B

7.13%

Potential Profit

16.37%

Buy

Analyst Rating

Buy

Investment Analysis

WSFS Financial

WSFS

Pros

WSFS Financial reported solid revenue growth of 6.26% in 2024, reaching nearly $985 million, demonstrating business expansion.
The company maintains a strong return on equity at about 12%, reflecting efficient use of shareholder funds.
WSFS operates a well-diversified financial services platform including banking, wealth management, and treasury services across multiple states.

Considerations

Net income declined slightly by around 2% in 2024 despite revenue growth, indicating potential margin or cost pressures.
The stock’s beta near 0.88 indicates moderate market risk and sensitivity to market fluctuations.
While the stock is rated a buy by analysts, the dividend yield is modest at approximately 1.22%, which may be less attractive to income-focused investors.

National MI

NMIH

Pros

National MI specializes in mortgage insurance, a critical niche supporting the U.S. housing finance system.
The company benefits from a cyclical recovery in housing markets, which can drive growth in mortgage insurance demand.
National MI has a focused business model that can capitalize on regulatory and government housing policies favoring mortgage insurance.

Considerations

The mortgage insurance sector is highly sensitive to housing market downturns and interest rate hikes, exposing National MI to cyclical risks.
National MI faces intensified competition from larger mortgage insurers and increasing regulatory scrutiny, which could pressure margins.
Exposure to credit risk on insured loans and economic slowdowns may negatively impact financial performance and claims experience.

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.

National MI (NMIH)

NMI Holdings, Inc (NMIH) is a US-based private mortgage insurer that protects lenders against borrower defaults on conventional mortgage loans. With a market capitalisation of roughly $2.84 billion, NMI earns premiums, manages claims and holds reserves to cover potential losses; its profitability is closely tied to mortgage originations, home-price trends and broader economic conditions. Investors should watch underwriting performance, reserve adequacy, reinsurance contracts and regulatory capital requirements, as these influence both earnings and balance-sheet strength. The stock offers exposure to the housing finance ecosystem but can be cyclical: rising interest rates, falling house prices or higher unemployment can increase claims and pressure results. This summary is for educational purposes only and not personalised investment advice. Consider your objectives and risk tolerance and seek professional advice before investing.

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Comparison Snapshot