WBS Stock Analysis: Webster Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 12.416m USD | 12M Return: 32.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 265M
EPS Trend: 20.7%
Qual. Beats: 0
Rev. Trend: 94.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Webster Financial Corporation (WBS) is a U.S. regional bank holding company headquartered in Stamford, Connecticut, founded in 1870. Through its primary subsidiary, Webster Bank, National Association, the company provides consumer and commercial banking, lending, and wealth management services across three operating segments: Commercial Banking, Healthcare Financial Services, and Consumer Banking.
The banks product offering spans deposit accounts, mortgages, home equity loans, business and commercial lending, credit cards, treasury management, and digital banking services. Webster also offers insurance, retirement planning, and private banking solutions, positioning it as a full-service regional financial institution serving businesses, individuals, and families in the Northeast.
- Net interest margin pressured by rising deposit costs
- Healthcare Financial Services segment drives deposit and fee growth
- Commercial real estate exposure raises credit loss provisions
| Net Income: 1.02b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.09 > 1.0 |
| NWC/Revenue: -1.08k% < 20% (prev -1.54k%; Δ 465.4% < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.25b > Net Income 1.02b |
| Net Debt (-16.4b) to EBITDA (1.31b): -12.55 < 3 |
| Current Ratio: 0.33 > 1.5 & < 3 |
| Outstanding Shares: last quarter (160.2m) vs 12m ago -3.58% < -2% |
| Gross Margin: 62.51% > 18% (prev 58.25%; Δ 4.26% > 0.5%) |
| Asset Turnover: 5.21% > 50% (prev 5.21%; Δ 0.00% > 0%) |
| Interest Coverage Ratio: 0.77 > 6 (EBIT TTM 1.18b / Interest Expense TTM 1.52b) |
| A: -0.55 (Total Current Assets 23.3b - Total Current Liabilities 70.4b) / Total Assets 85.9b |
| B: 0.05 (Retained Earnings 4.48b / Total Assets 85.9b) |
| C: 0.01 (EBIT TTM 1.18b / Avg Total Assets 83.9b) |
| D: 0.13 (Book Value of Equity 9.76b / Total Liabilities 76.2b) |
| Altman-Z'' = -3.20 = D |
| DSRI: 1.82 (Receivables 2.24b/1.20b, Revenue 4.38b/4.27b) |
| GMI: 0.93 (GM 58.25% / 62.51%) |
| AQI: 0.77 (AQ_t 0.72 / AQ_t-1 0.94) |
| SGI: 1.02 (Revenue 4.38b / 4.27b) |
| TATA: -0.00 (NI 1.02b - CFO 1.25b) / TA 85.9b) |
| Beneish M = -2.53 (Cap -4..+1) = A |
As of July 28, 2026, the stock is trading at USD 76.95 with a total of 6,762,752 shares traded. Over the past week, the price has changed by +2.12%, over one month by +1.22%, over three months by +7.70% and over the past year by +32.53%.
Current recommended Stop Loss: 74.70 (which is 2.9% or 2.7 ATR below the current price).
Webster Financial has received a consensus analysts rating of 3.07. Therefore, it is recommended to hold WBS.
- StrongBuy: 1
- Buy: 1
- Hold: 11
- Sell: 0
- StrongSell: 1
| Analysts Target Price | 75.3 | -2.2% |
P/E Trailing = 12.5623
P/E Forward = 11.6822
P/S = 4.5477
P/B = 1.3268
P/EG = 1.7275
Revenue TTM = 4.38b USD
EBIT TTM = 1.18b USD
EBITDA TTM = 1.31b USD
Long Term Debt = 739.5m USD (from longTermDebt, last fiscal year)
Short Term Debt = 73.4m USD (from shortTermDebt, last quarter)
Debt = 4.58b USD (from shortLongTermDebtTotal, last quarter) + Leases 106.9m
Net Debt = -16.4b USD (calculated: Debt 4.58b - CCE 21.0b)
Enterprise Value = 12.4b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.77 (Ebit TTM 1.18b / Interest Expense TTM 1.52b)
EV/FCF = 10.34x (Enterprise Value 12.4b / FCF TTM 1.20b)
FCF Yield = 9.67% (FCF TTM 1.20b / Enterprise Value 12.4b)
FCF Margin = 27.42% (FCF TTM 1.20b / Revenue TTM 4.38b)
Net Margin = 23.31% (Net Income TTM 1.02b / Revenue TTM 4.38b)
Gross Margin = 62.51% ((Revenue TTM 4.38b - Cost of Revenue TTM 1.64b) / Revenue TTM)
Gross Margin QoQ = 63.22% (prev 63.81%)
Tobins Q-Ratio = 0.14 (Enterprise Value 12.4b / Total Assets 85.9b)
Interest Expense / Debt = 33.26% (Interest Expense 1.52b / Debt 4.58b)
Taxrate = 20.26% (259.1m / 1.28b)
NOPAT = 939.1m (EBIT 1.18b * (1 - 20.26%))
Current Ratio = 0.33 (Total Current Assets 23.3b / Total Current Liabilities 70.4b)
Debt / Equity = 0.47 (Debt 4.58b / totalStockholderEquity, last quarter 9.76b)
Debt / EBITDA = -12.55 (Net Debt -16.4b / EBITDA 1.31b)
Debt / FCF = -13.69 (Net Debt -16.4b / FCF TTM 1.20b)
Total Stockholder Equity = 9.57b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.22% (Net Income 1.02b / Total Assets 85.9b)
RoE = 10.66% (Net Income TTM 1.02b / Total Stockholder Equity 9.57b)
RoCE = 11.42% (EBIT 1.18b / Capital Employed (Equity 9.57b + L.T.Debt 739.5m))
RoIC = 6.08% (NOPAT 939.1m / Invested Capital 15.4b)
WACC = 14.72% (E(12.4b)/V(17.0b) * Re(10.36%) + D(4.58b)/V(17.0b) * Rd(33.26%) * (1-Tc(0.20)))
Discount Rate = 10.36% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -93.97 | Cagr: -2.79%
[DCF] Terminal Value 56.23% ; FCFF base≈1.21b ; Y1≈1.20b ; Y5≈1.24b
[DCF] Fair Price = 159.0 (EV 9.32b - Net Debt -16.4b = Equity 25.8b / Shares 162.0m; r=14.72% [WACC]; 5y FCF grow -1.33% → 2.50% )
EPS Correlation: 20.73 | EPS CAGR: 1.34% | SUE: -0.14 | # QB: 0
Revenue Correlation: 94.42 | Revenue CAGR: 4.90% | SUE: 0.70 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.63 | Chg30d=-3.01% | Revisions=+25% | Analysts=2
EPS current Year (2026-12-31): EPS=6.47 | Chg30d=-1.44% | Revisions=+40% | GrowthEPS=+8.9% | GrowthRev=+3.5%
EPS next Year (2027-12-31): EPS=7.30 | Chg30d=-0.35% | Revisions=+40% | GrowthEPS=+12.9% | GrowthRev=+7.4%
[Analyst] Revisions Ratio: +62% (up=5, down=0)