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Upturn AI SWOT - About
WBS 
Webster Financial Corporation (WBS)
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Upturn Advisory Summary
10/17/2025: 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 $71.59
1 Year Target Price $71.59
| 9 | Strong Buy |
| 6 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 20.33% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.94B USD | Price to earnings Ratio 10.11 | 1Y Target Price 71.59 |
Price to earnings Ratio 10.11 | 1Y Target Price 71.59 | ||
Volume (30-day avg) 16 | Beta 1.04 | 52 Weeks Range 38.83 - 63.59 | Updated Date 10/18/2025 |
52 Weeks Range 38.83 - 63.59 | Updated Date 10/18/2025 | ||
Dividends yield (FY) 2.96% | Basic EPS (TTM) 5.37 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-17 | When Before Market | Estimate 1.52 | Actual 1.54 |
Profitability
Profit Margin 35.83% | Operating Margin (TTM) 51.77% |
Management Effectiveness
Return on Assets (TTM) 1.14% | Return on Equity (TTM) 9.91% |
Valuation
Trailing PE 10.11 | Forward PE 9.09 | Enterprise Value 10078262272 | Price to Sales(TTM) 3.47 |
Enterprise Value 10078262272 | Price to Sales(TTM) 3.47 | ||
Enterprise Value to Revenue 5.27 | Enterprise Value to EBITDA - | Shares Outstanding 164817000 | Shares Floating 163064995 |
Shares Outstanding 164817000 | Shares Floating 163064995 | ||
Percent Insiders 0.8 | Percent Institutions 92.53 |
Upturn AI SWOT
Webster Financial Corporation
Company Overview
History and Background
Webster Financial Corporation, founded in 1935 as First Federal Savings of Waterbury, has evolved from a savings and loan institution into a diversified financial services company. It has grown through acquisitions and organic expansion, focusing on providing financial solutions to individuals, families, and businesses.
Core Business Areas
- Commercial Banking: Provides a range of lending, deposit, and treasury management services to middle-market companies, small businesses, and commercial real estate clients.
- Retail Banking: Offers checking and savings accounts, mortgages, personal loans, and wealth management services to individuals and families.
- Health Savings Bank: One of the nationu2019s largest providers of Health Savings Accounts (HSAs), offering solutions to employers, individuals, and benefit providers.
Leadership and Structure
Webster Financial Corporation is led by a board of directors and an executive management team. The organizational structure is based on business lines, with each line having its own leadership and reporting structure.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing to businesses for working capital, expansion, and acquisitions. Market share data unavailable but Webster competes with major national and regional banks. Competitors include Bank of America (BAC), JPMorgan Chase (JPM), and M&T Bank (MTB).
- Retail Mortgages: Offer a variety of mortgage products to help individuals purchase or refinance homes. Market share data unavailable, but competition is intense. Competitors include Rocket Companies (RKT), Wells Fargo (WFC), and PennyMac Financial Services (PFSI).
- Health Savings Accounts (HSAs): HSAs allow individuals to save for healthcare expenses on a tax-advantaged basis. Webster is a leading provider of HSAs. Competitors include Optum Bank (UNH), and HSA Bank.
Market Dynamics
Industry Overview
The financial services industry is characterized by increasing competition, regulatory changes, and technological advancements. Banks face pressure to innovate and adapt to evolving customer preferences.
Positioning
Webster Financial Corporation positions itself as a relationship-focused bank with a strong presence in the Northeast. Its competitive advantage lies in its deep understanding of the local markets it serves.
Total Addressable Market (TAM)
The TAM for banking services is substantial, encompassing consumer and commercial lending, deposit services, and wealth management. Webster is well-positioned to capture a portion of this market through its focus on relationship banking and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Northeast
- Diversified business lines
- Experienced management team
- Growing HSA business
- Relationship-focused banking approach
Weaknesses
- Geographic concentration
- Reliance on interest rate environment
- Limited international presence
- Higher expense ratio as compared to larger banks
- Smaller market capitalization than larger competitors
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in the HSA market
- Strategic acquisitions
- Rising interest rate environment
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity risks
- Changing customer preferences
Competitors and Market Share
Key Competitors
- BAC
- JPM
- MTB
Competitive Landscape
Webster faces competition from larger national banks, regional banks, and fintech companies. Its competitive advantage lies in its relationship-focused approach and its strong HSA business.
Major Acquisitions
Sterling Bancorp
- Year: 2022
- Acquisition Price (USD millions): 10300
- Strategic Rationale: The acquisition of Sterling Bancorp enhanced Webster's presence in the Northeast and expanded its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Webster has historically grown through a combination of organic expansion and strategic acquisitions. Its HSA business has been a significant driver of growth in recent years.
Future Projections: Analyst projections suggest continued growth for Webster, driven by its diversified business lines and expansion efforts.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion of its HSA offerings.
Summary
Webster Financial Corporation is a solid regional bank with a diversified business model and a growing HSA business. Its strengths include its strong presence in the Northeast and its relationship-focused approach. Webster needs to be aware of the increased competition from larger banks and fintech companies, as well as economic downturns which might reduce consumer spending.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data are estimates and may not be precise.
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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