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WBS 
Webster Financial Corporation (WBS)
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Upturn Advisory Summary
12/09/2025: WBS (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $71.06
1 Year Target Price $71.06
| 9 | Strong Buy |
| 6 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.66% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/09/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.42B USD | Price to earnings Ratio 11.67 | 1Y Target Price 71.06 |
Price to earnings Ratio 11.67 | 1Y Target Price 71.06 | ||
Volume (30-day avg) 16 | Beta 1.06 | 52 Weeks Range 38.56 - 63.75 | Updated Date 12/9/2025 |
52 Weeks Range 38.56 - 63.75 | Updated Date 12/9/2025 | ||
Dividends yield (FY) 2.55% | Basic EPS (TTM) 5.37 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 11.67 | Forward PE 9.69 | Enterprise Value 11560542208 | Price to Sales(TTM) 4.04 |
Enterprise Value 11560542208 | Price to Sales(TTM) 4.04 | ||
Enterprise Value to Revenue 5.05 | Enterprise Value to EBITDA - | Shares Outstanding 161290301 | Shares Floating 159903204 |
Shares Outstanding 161290301 | Shares Floating 159903204 | ||
Percent Insiders 0.83 | Percent Institutions 94.75 |
Upturn AI SWOT
Webster Financial Corporation
Company Overview
History and Background
Webster Financial Corporation (NYSE: WBS) was founded in 1983 and is headquartered in Stamford, Connecticut. It has grown from a regional bank into a diversified financial services company, primarily through organic growth and strategic acquisitions. Key milestones include its IPO in 1986 and significant expansion into commercial banking and specialty finance over the years.
Core Business Areas
- Consumer Banking: Offers a range of deposit products (checking, savings, money market accounts, CDs), residential mortgages, home equity loans, and personal loans through its banking centers and digital channels.
- Commercial Banking: Provides commercial real estate lending, business banking services (loans, lines of credit, treasury management), and equipment finance to businesses of various sizes.
- Specialty Finance: Includes businesses like HSA Bank (health savings accounts), asset-based lending, and specialty insurance products, targeting specific niches and customer needs.
Leadership and Structure
Webster Financial Corporation is led by its Board of Directors and executive management team. The current CEO is John R. Ciulla. The company operates through its principal subsidiary, Webster Bank, N.A., which houses its banking and lending operations.
Top Products and Market Share
Key Offerings
- HSA Bank: A leading administrator of Health Savings Accounts (HSAs) and other consumer-directed healthcare accounts. It serves millions of account holders and is a significant player in the HSA market. Competitors include Optum Bank, Further, and other large financial institutions offering similar products.
- Commercial Real Estate Lending: Provides financing for various commercial real estate projects. Webster is a notable regional lender in this space, competing with national banks and specialized CRE lenders.
- Small Business Administration (SBA) Loans: Offers SBA loan products to small and medium-sized businesses, contributing to its commercial banking portfolio. Competitors include a wide range of community banks and national lenders.
Market Dynamics
Industry Overview
Webster Financial Corporation operates in the highly competitive U.S. banking and financial services industry. This sector is influenced by interest rate movements, regulatory changes, technological advancements (fintech), and economic conditions. The industry is characterized by consolidation, digital transformation, and an increasing focus on customer experience.
Positioning
Webster Financial Corporation positions itself as a relationship-based financial institution, emphasizing personalized service and expertise. It has a strong regional presence in the Northeast and is expanding its reach through digital channels and specialized business lines like HSA Bank and commercial lending.
Total Addressable Market (TAM)
The TAM for the U.S. banking and financial services industry is in the trillions of dollars, encompassing deposits, loans, investments, and other financial products. Webster Financial Corporation addresses this TAM through its diverse product offerings, focusing on specific segments where it has competitive strengths, such as the Northeast market, HSA administration, and commercial lending.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Northeast.
- Diversified business model with both consumer and commercial offerings.
- Leading position in the Health Savings Account (HSA) market.
- Reputation for relationship-based banking and customer service.
- Investments in technology and digital banking capabilities.
Weaknesses
- Smaller scale compared to national banking giants, potentially limiting competitive reach in some areas.
- Dependence on interest rate environments for net interest margin.
- Integration risks associated with past and future acquisitions.
Opportunities
- Expansion of digital banking services to attract a wider customer base.
- Growth in the Health Savings Account market due to increasing healthcare costs.
- Leveraging its commercial lending expertise in underserved markets.
- Strategic partnerships and acquisitions to enhance capabilities or market reach.
- Cross-selling opportunities between different business segments.
Threats
- Intensifying competition from traditional banks, credit unions, and fintech companies.
- Adverse changes in interest rates and economic downturns impacting loan demand and credit quality.
- Evolving regulatory landscape requiring compliance and adaptation.
- Cybersecurity threats and data breaches.
- Shifting consumer preferences towards fully digital banking solutions.
Competitors and Market Share
Key Competitors
- JPMorgan Chase & Co. (JPM)
- Bank of America Corporation (BAC)
- Wells Fargo & Company (WFC)
- Citigroup Inc. (C)
- PNC Financial Services Group, Inc. (PNC)
- M&T Bank Corporation (MTB)
Competitive Landscape
Webster Financial Corporation competes in a fragmented market. Its advantages lie in its regional focus, specialized offerings like HSA Bank, and customer-centric approach. However, it faces significant challenges from larger national banks with greater resources, broader product portfolios, and extensive branch networks.
Growth Trajectory and Initiatives
Historical Growth: Webster Financial Corporation has demonstrated consistent growth in assets, deposits, and loans over the past decade, driven by both organic expansion and strategic acquisitions. Its focus on diversified revenue streams has contributed to this growth.
Future Projections: Analyst projections typically forecast continued revenue and earnings growth, supported by its core banking operations, specialty finance businesses, and potential for further strategic initiatives. Specific projections would depend on market conditions and analyst consensus.
Recent Initiatives: Recent initiatives may include digital transformation efforts, expansion of its commercial lending platforms, and integration of acquired businesses. The company has also been focused on enhancing its customer experience and operational efficiency.
Summary
Webster Financial Corporation is a solid regional bank with a diversified business model, particularly strong in HSA administration and commercial lending. Its customer-centric approach and strategic acquisitions have driven historical growth. However, it faces intense competition from larger institutions and must navigate evolving regulatory and technological landscapes. Continued focus on digital innovation and niche market leadership will be crucial for sustained success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company investor relations website
- SEC filings (10-K, 10-Q)
- Financial news and data providers (e.g., Bloomberg, Refinitiv, Yahoo Finance)
Disclaimers:
This information is for informational purposes only and should not be considered investment advice. Financial data and market share figures are subject to change and may vary depending on the source and reporting period. Past performance is not indicative of future results.
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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