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Upturn AI SWOT - About
WBS 
Webster Financial Corporation (WBS)
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Upturn Advisory Summary
07/01/2025: 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 $62.88
1 Year Target Price $62.88
| 9 | Strong Buy |
| 6 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 28.36% | Avg. Invested days 42 | 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 07/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.56B USD | Price to earnings Ratio 12.8 | 1Y Target Price 62.88 |
Price to earnings Ratio 12.8 | 1Y Target Price 62.88 | ||
Volume (30-day avg) 16 | Beta 0.98 | 52 Weeks Range 39.11 - 63.06 | Updated Date 07/1/2025 |
52 Weeks Range 39.11 - 63.06 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 2.93% | Basic EPS (TTM) 4.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.85% | Operating Margin (TTM) 49.3% |
Management Effectiveness
Return on Assets (TTM) 1% | Return on Equity (TTM) 8.68% |
Valuation
Trailing PE 12.8 | Forward PE 9.5 | Enterprise Value 11289113600 | Price to Sales(TTM) 4.03 |
Enterprise Value 11289113600 | Price to Sales(TTM) 4.03 | ||
Enterprise Value to Revenue 5.08 | Enterprise Value to EBITDA - | Shares Outstanding 168228992 | Shares Floating 166434088 |
Shares Outstanding 168228992 | Shares Floating 166434088 | ||
Percent Insiders 0.81 | Percent Institutions 89.64 |
Analyst Ratings
Rating 3 | Target Price 62.88 | Buy 6 | Strong Buy 9 |
Buy 6 | Strong Buy 9 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
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 has grown from a savings and loan association to a diversified financial services company through organic growth and acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of lending, deposit, and cash management services to businesses of various sizes.
- Retail Banking: Provides banking products and services to individuals and families, including checking and savings accounts, mortgages, and personal loans.
- Health Savings Bank (HSB): Focuses on providing health savings accounts and related services to individuals, employers, and health plans.
Leadership and Structure
John R. Ciulla serves as the Chairman, President, and CEO. The company has a typical corporate structure with a board of directors and various executive management teams overseeing different business segments and functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment financing, and real estate. Market share data is not readily available, but Webster competes with large national banks and regional players. Competitors include Bank of America (BAC), JPMorgan Chase (JPM) and Citizens Financial Group (CFG).
- Mortgages: Residential mortgage loans. Market share data is not readily available at a granular level. Webster competes with national mortgage lenders and other regional banks. Competitors include Wells Fargo (WFC) and Rocket Mortgage (RKT).
- Health Savings Accounts (HSAs): HSAs for individuals and employers. As a leader in the space, estimates indicate a large portion of the market. Competitors include Optum Bank and HSA Bank.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. The industry is undergoing digital transformation and facing increasing competition from fintech companies.
Positioning
Webster Financial is a regional bank with a strong presence in the Northeast. Its competitive advantages include its diversified business model and focus on customer service.
Total Addressable Market (TAM)
The TAM for banking services in the Northeast US is estimated to be several trillion dollars. Webster is positioned to capture a share of this market through its various business lines.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Strong presence in the Northeast
- Focus on customer service
- Experienced management team
- Significant Health Savings Account business
Weaknesses
- Regional focus limits growth potential
- Exposure to interest rate risk
- Dependence on economic conditions in the Northeast
- Smaller size compared to national banks
- Integration risks of acquisitions
Opportunities
- Expansion into new geographic markets
- Growth in digital banking services
- Acquisition of smaller banks
- Increased demand for HSAs
- Partnerships with fintech companies
Threats
- Increased competition from national banks and fintech companies
- Economic downturn in the Northeast
- Regulatory changes
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- BAC
- JPM
- CFG
- USB
Competitive Landscape
Webster faces strong competition from larger national banks and regional players. Its advantages include its strong presence in the Northeast and its expertise in HSAs. Disadvantages include its smaller size and limited geographic reach.
Major Acquisitions
Sterling Bancorp
- Year: 2022
- Acquisition Price (USD millions): 10300
- Strategic Rationale: Expanded Webster's presence in the Northeast and enhanced its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Webster Financial's growth has been driven by organic growth, acquisitions, and expansion into new markets.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by expansion in the HSA business and commercial lending.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion of the HSA platform, and acquisitions of smaller banks.
Summary
Webster Financial is a regional bank with a diversified business model. Its strong presence in the Northeast and expertise in HSAs provide a solid foundation for growth. However, it faces competition from larger banks and must navigate economic uncertainties. The acquisition of Sterling is expected to boost earnings.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated and may vary.
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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