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Upturn AI SWOT - About
WBS 
Webster Financial Corporation (WBS)
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Upturn Advisory Summary
08/14/2025: WBS (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
16 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $70.07
1 Year Target Price $70.07
| 9 | Strong Buy |
| 6 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.98% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.55B USD | Price to earnings Ratio 11.69 | 1Y Target Price 70.07 |
Price to earnings Ratio 11.69 | 1Y Target Price 70.07 | ||
Volume (30-day avg) 16 | Beta 1.02 | 52 Weeks Range 38.83 - 62.61 | Updated Date 08/15/2025 |
52 Weeks Range 38.83 - 62.61 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.74% | Basic EPS (TTM) 4.92 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-17 | When Before Market | Estimate 1.43 | Actual 1.52 |
Profitability
Profit Margin 34.45% | Operating Margin (TTM) 51.96% |
Management Effectiveness
Return on Assets (TTM) 1.08% | Return on Equity (TTM) 9.44% |
Valuation
Trailing PE 11.69 | Forward PE 10.08 | Enterprise Value 11995100160 | Price to Sales(TTM) 3.84 |
Enterprise Value 11995100160 | Price to Sales(TTM) 3.84 | ||
Enterprise Value to Revenue 5.24 | Enterprise Value to EBITDA - | Shares Outstanding 166188992 | Shares Floating 164420401 |
Shares Outstanding 166188992 | Shares Floating 164420401 | ||
Percent Insiders 0.8 | Percent Institutions 91.97 |
Upturn AI SWOT
Webster Financial Corporation
Company Overview
History and Background
Webster Financial Corporation was founded in 1935 as First Federal Savings of Waterbury. It evolved from a savings and loan association into a full-service commercial bank and financial services company through strategic acquisitions and organic growth.
Core Business Areas
- Commercial Banking: Provides a range of lending, deposit, and treasury management services to middle market businesses and commercial real estate firms.
- Retail Banking: Offers deposit accounts, mortgages, personal loans, and wealth management services to individuals and families through a network of branches and online platforms.
- Health Savings Bank (HSA Bank): One of the largest administrators of health savings accounts, providing solutions for employers, health plans, and individuals.
Leadership and Structure
John R. Ciulla serves as Chairman, President, and CEO. The company operates with a traditional hierarchical structure, with various business lines reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including expansion, working capital, and acquisitions. Competitors: JP Morgan Chase, Bank of America, Wells Fargo
- Mortgages: Residential mortgages for home purchase and refinancing. Competitors: Rocket Mortgage, UWM, Bank of America
- Health Savings Accounts (HSAs): Tax-advantaged savings accounts for healthcare expenses. Market leader by account size. Competitors: Optum Bank, HSA Authority
Market Dynamics
Industry Overview
The banking industry is currently facing increasing interest rates, increased regulation, and technological disruption. Competition for deposits and loans is fierce.
Positioning
Webster Financial Corporation is a regional bank with a strong presence in the Northeast and a growing national HSA business. It differentiates itself through its relationship-based banking approach and specialized expertise in certain sectors.
Total Addressable Market (TAM)
TAM for US Banking is estimated at USD 1.5 Trillion. Webster Financial Corporation's positioning in the northeast of the US allows them to control and capture a substantial share of the market. Their HSA solutions provide them with a wide market opportunity.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Northeast
- Leading position in the HSA market
- Diversified revenue streams
- Experienced management team
- Strong capital position
Weaknesses
- Geographic concentration
- Smaller size compared to national banks
- Reliance on interest income
- Potential for increased regulatory scrutiny
- Exposure to credit risk
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in the HSA market
- Acquisitions of smaller banks
- Development of new products and services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- USB
- KEY
- PNC
Competitive Landscape
Webster competes with larger national banks and smaller regional players. Its HSA business provides a competitive advantage, but it faces challenges in competing with the scale and resources of larger institutions.
Major Acquisitions
Sterling Bancorp
- Year: 2022
- Acquisition Price (USD millions): 5140
- Strategic Rationale: Expanded geographic reach, enhanced commercial banking capabilities, and increased market share in the Northeast.
Growth Trajectory and Initiatives
Historical Growth: Historical growth unavailable without real-time API access.
Future Projections: Future projections unavailable without real-time API access.
Recent Initiatives: Webster has recently focused on expanding its HSA business and investing in digital banking capabilities.
Summary
Webster Financial Corporation is a regional bank with a growing HSA business. The acquisition of Sterling Bancorp boosted its market position and commercial banking capabilities. While its regional focus presents some limitations, its strategic initiatives in digital banking and HSA growth position it well for the future. Keeping pace with larger national banks will remain its biggest challenge.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Financial data may be outdated and require real-time updates for accuracy.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Webster Financial Corporation
Exchange NYSE | Headquaters Stamford, CT, United States | ||
IPO Launch date 1986-12-12 | Chairman & CEO Mr. John R. Ciulla | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 4297 | Website https://www.websterbank.com |
Full time employees 4297 | Website https://www.websterbank.com | ||
Webster Financial Corporation operates as the bank holding company for Webster Bank, National Association that provides various financial products and services to businesses, individuals, and families in the United States. It operates through three segments: Commercial Banking, Healthcare Financial Services, and Consumer Banking. It offers checking, savings, and money market accounts; individual retirement account retirement savings; certificates of deposit; mortgages; home equity loans and lines of credit; business and commercial lines of credit; overdrafts; and term, commercial, student, SBA, and personal loans. The company also provides commercial real estate financing, equipment and lender finance, asset-based and community lending, and public finance solutions; financial planning, life and long-term insurance, personal retirement, and portfolio management solutions; employee retirement plans; credit cards; payroll services; automated clearing house payables and wires; bill pay, remote deposit capture, merchant, and lockbox services; treasury management and investment services; private banking services; capital markets and finance solutions; employee benefits solutions, including administrators of HSAs, emergency savings accounts, and flexible spending accounts administration services; wealth management services; and online and mobile banking services. Webster Financial Corporation was founded in 1870 and is headquartered in Stamford, Connecticut.
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