(WBS) Webster Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 11.253m USD | Total Return: 70.1% in 12m
Deposits, Loans, Mortgages, Treasury, Wealth
Total Rating 50
Safety 33
Buy Signal 0.92
Banks - Regional
Industry Rotation: +8.3
Industry Rotation: +8.3
Market Cap:
11.3B
Avg Turnover: 246M USD
Avg Turnover: 246M USD
ATR:
1.73%
Peers RS (IBD): 86.8
Peers RS (IBD): 86.8
Risk 5d forecast
Volatility33.3%
Rel. Tail Risk-15.3%
Reward TTM
Sharpe Ratio1.00
Alpha17.91
Character TTM
Beta1.377
Beta Downside2.059
Drawdowns 3y
Max DD33.08%
CAGR/Max DD0.84
EPS (Earnings per Share)
EPS CAGR: 6.85%
EPS Trend: 26.4%
EPS Trend: 26.4%
Last SUE: 0.84
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 23.46%
Rev. Trend: 83.6%
Rev. Trend: 83.6%
Last SUE: 3.07
Qual. Beats: 1
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
watch
Description: WBS Webster Financial
Webster Financial Corporation (NYSE: WBS) is the holding company for Webster Bank, offering a full suite of banking and financial services-including deposits, loans, wealth management, and treasury solutions-across Commercial Banking, Healthcare Financial Services, and Consumer Banking segments.
In its most recent quarter (Q4 2025), the bank reported a net interest margin of 3.45%, a 7% year-over-year increase in total loans to $30.2 billion, and a CET1 capital ratio of 13.2%, reflecting solid balance-sheet strength amid a rising-rate environment.
Key sector drivers remain the Federal Reserve’s policy stance, which is sustaining higher rates that benefit net interest income for regional banks, while tighter credit standards and modest loan-to-deposit growth keep credit-quality concerns in focus.
For a deeper dive, consider checking ValueRay’s analyst tools.
- Net interest income growth hinges on Federal Reserve rate policy
- Commercial loan demand impacts revenue and asset quality
- Deposit costs influence profitability and funding stability
- Regulatory compliance expenses affect operational efficiency
- Regional economic health dictates loan growth and credit risk
Piotroski VR‑10 (Strict)
4.0
| Net Income: 1.00b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.53 > 1.0 |
| NWC/Revenue: -594.3% < 20% (prev -1.53k%; Δ 934.7% < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.06b > Net Income 1.00b |
| Net Debt (3.95b) to EBITDA (1.37b): 2.88 < 3 |
| Current Ratio: 0.41 > 1.5 & < 3 |
| Outstanding Shares: last quarter (160.6m) vs 12m ago -5.53% < -2% |
| Gross Margin: 60.80% > 18% (prev 0.57%; Δ 6.02k% > 0.5%) |
| Asset Turnover: 5.42% > 50% (prev 5.29%; Δ 0.14% > 0%) |
| Interest Coverage Ratio: 0.83 > 6 (EBITDA TTM 1.37b / Interest Expense TTM 1.52b) |
Altman Z''
-1.72
| A: -0.31 (Total Current Assets 18.35b - Total Current Liabilities 44.64b) / Total Assets 84.07b |
| B: 0.05 (Retained Earnings 4.48b / Total Assets 84.07b) |
| C: 0.02 (EBIT TTM 1.26b / Avg Total Assets 81.55b) |
| D: 0.06 (Book Value of Equity 4.13b / Total Liabilities 74.58b) |
| Altman-Z'' Score: -1.72 = D |
Beneish M
-3.76
| DSRI: 0.27 (Receivables 348.1m/1.22b, Revenue 4.42b/4.18b) |
| GMI: 0.93 (GM 60.80% / 56.67%) |
| AQI: 0.81 (AQ_t 0.78 / AQ_t-1 0.95) |
| SGI: 1.06 (Revenue 4.42b / 4.18b) |
| TATA: -0.00 (NI 1.00b - CFO 1.06b) / TA 84.07b) |
| Beneish M-Score: -3.76 (Cap -4..+1) = AAA |
What is the price of WBS shares?
As of April 07, 2026, the stock is trading at USD 69.79 with a total of 2,030,757 shares traded.
Over the past week, the price has changed by +3.39%, over one month by +2.51%, over three months by +7.47% and over the past year by +70.07%.
Over the past week, the price has changed by +3.39%, over one month by +2.51%, over three months by +7.47% and over the past year by +70.07%.
Is WBS a buy, sell or hold?
Webster Financial has received a consensus analysts rating of 4.50.
Therefore, it is recommended to buy WBS.
- StrongBuy: 9
- Buy: 6
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the WBS price?
| Analysts Target Price | 74.4 | 6.6% |
Webster Financial (WBS) - Fundamental Data Overview
as of 04 April 2026
P/E Trailing = 11.8288 P/E Forward = 10.5932
P/S = 4.2056
P/B = 1.2219
P/EG = 1.7275
Revenue TTM = 4.42b USD
EBIT TTM = 1.26b USD
EBITDA TTM = 1.37b USD
Long Term Debt = 739.5m USD (from longTermDebt, last quarter)
Short Term Debt = 596.7m USD (from shortTermDebt, last quarter)
Debt = 4.32b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.95b USD (from netDebt column, last quarter)
Enterprise Value = 11.25b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.83 (Ebit TTM 1.26b / Interest Expense TTM 1.52b)
EV/FCF = 11.16x (Enterprise Value 11.25b / FCF TTM 1.01b)
FCF Yield = 8.96% (FCF TTM 1.01b / Enterprise Value 11.25b)
FCF Margin = 22.80% (FCF TTM 1.01b / Revenue TTM 4.42b)
Net Margin = 22.67% (Net Income TTM 1.00b / Revenue TTM 4.42b)
Gross Margin = 60.80% ((Revenue TTM 4.42b - Cost of Revenue TTM 1.73b) / Revenue TTM)
Gross Margin QoQ = 62.18% (prev 60.98%)
Tobins Q-Ratio = 0.13 (Enterprise Value 11.25b / Total Assets 84.07b)
Interest Expense / Debt = 8.95% (Interest Expense 386.3m / Debt 4.32b)
Taxrate = 20.30% (65.1m / 321.0m)
NOPAT = 1.00b (EBIT 1.26b * (1 - 20.30%))
Current Ratio = 0.41 (Total Current Assets 18.35b / Total Current Liabilities 44.64b)
Debt / Equity = 0.45 (Debt 4.32b / totalStockholderEquity, last quarter 9.49b)
Debt / EBITDA = 2.88 (Net Debt 3.95b / EBITDA 1.37b)
Debt / FCF = 3.91 (Net Debt 3.95b / FCF TTM 1.01b)
Total Stockholder Equity = 9.37b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.23% (Net Income 1.00b / Total Assets 84.07b)
RoE = 10.70% (Net Income TTM 1.00b / Total Stockholder Equity 9.37b)
RoCE = 12.46% (EBIT 1.26b / Capital Employed (Equity 9.37b + L.T.Debt 739.5m))
RoIC = 7.73% (NOPAT 1.00b / Invested Capital 12.99b)
WACC = 9.80% (E(11.25b)/V(15.57b) * Re(10.82%) + D(4.32b)/V(15.57b) * Rd(8.95%) * (1-Tc(0.20)))
Discount Rate = 10.82% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.98%
[DCF] Terminal Value 72.35% ; FCFF base≈1.15b ; Y1≈1.17b ; Y5≈1.27b
[DCF] Fair Price = 78.76 (EV 16.64b - Net Debt 3.95b = Equity 12.70b / Shares 161.2m; r=9.80% [WACC]; 5y FCF grow 0.87% → 3.0% )
EPS Correlation: 26.45 | EPS CAGR: 6.85% | SUE: 0.84 | # QB: 0
Revenue Correlation: 83.64 | Revenue CAGR: 23.46% | SUE: 3.07 | # QB: 1
EPS next Quarter (2026-06-30): EPS=1.62 | Chg7d=-0.001 | Chg30d=-0.007 | Revisions Net=+9 | Analysts=15
EPS current Year (2026-12-31): EPS=6.62 | Chg7d=-0.013 | Chg30d=-0.026 | Revisions Net=+9 | Growth EPS=+11.5% | Growth Revenue=+4.5%
EPS next Year (2027-12-31): EPS=7.42 | Chg7d=-0.051 | Chg30d=-0.043 | Revisions Net=+1 | Growth EPS=+12.0% | Growth Revenue=+5.8%
[Analyst] Revisions Ratio: +0.60 (12 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.4% (Discount Rate 10.8% - Earnings Yield 8.5%)
[Growth] Growth Spread = +2.5% (Analyst 4.9% - Implied 2.4%)
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