image
Financial Services - Banks - Regional - NYSE - US
$ 60.07
0.62 %
$ 10.3 B
Market Cap
13.59
P/E
1. INTRINSIC VALUE

Webster Financial Corporation operates as the bank holding company for Webster Bank, National Association that provides a range of banking, investment, and financial services to individuals, families, and businesses in the United States. It operates through three segments: Commercial Banking, HSA Bank, and Retail Banking. The Commercial Banking segment provides lending, deposit, and cash management services; commercial and industrial lending and leasing, commercial real estate lending, equipment financing, and asset-based lending, as well as treasury and payment services; wealth management solutions to business owners, operators, and consumers; and trust, asset management, financial planning, insurance, retirement, and investment products. The HSA Bank segment offers health savings accounts, health reimbursement arrangements, flexible spending accounts, and commuter services that are distributed directly to employers and individual consumers, as well as through national and regional insurance carriers, consultants, and financial advisors.[ Read More ]

The intrinsic value of one WBS stock under the base case scenario is HIDDEN Compared to the current market price of 60.1 USD, Webster Financial Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart WBS

image
FINANCIALS
2.5 B REVENUE
1.12%
1.39 B OPERATING INCOME
32.28%
860 M NET INCOME
33.47%
979 M OPERATING CASH FLOW
-26.72%
-2.6 B INVESTING CASH FLOW
63.88%
2.49 B FINANCING CASH FLOW
-59.98%
8.92 K REVENUE
-100.00%
245 M OPERATING INCOME
-3.43%
-396 M NET INCOME
-220.41%
-472 M OPERATING CASH FLOW
-206.60%
2.04 B INVESTING CASH FLOW
393.65%
2.33 B FINANCING CASH FLOW
435.78%
Balance Sheet Decomposition Webster Financial Corporation
image
Current Assets 3.54 B
Cash & Short-Term Investments 1.48 B
Receivables 0
Other Current Assets 2.05 B
Non-Current Assets 73.1 B
Long-Term Investments 1.85 B
PP&E 430 M
Other Non-Current Assets 70.8 B
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 66.3 B
Long-Term Debt 1.06 B
Other Non-Current Liabilities 65.2 B
EFFICIENCY
Earnings Waterfall Webster Financial Corporation
image
Revenue 2.5 B
Cost Of Revenue 0
Gross Profit 2.5 B
Operating Expenses 1.11 B
Operating Income 1.39 B
Other Expenses 527 M
Net Income 860 M
RATIOS
100.00% GROSS MARGIN
100.00%
55.47% OPERATING MARGIN
55.47%
34.71% NET MARGIN
34.71%
9.99% ROE
9.99%
1.16% ROA
1.16%
11.38% ROIC
11.38%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Webster Financial Corporation
image
Net Income 860 M
Depreciation & Amortization 70.9 M
Capital Expenditures -40.3 M
Stock-Based Compensation 54.1 M
Change in Working Capital -203 M
Others 48.2 M
Free Cash Flow 939 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Webster Financial Corporation
image
Wall Street analysts predict an average 1-year price target for WBS of $57.2 , with forecasts ranging from a low of $51 to a high of $63 .
WBS Lowest Price Target Wall Street Target
51 USD -15.10%
WBS Average Price Target Wall Street Target
57.2 USD -4.69%
WBS Highest Price Target Wall Street Target
63 USD 4.88%
4. DIVIDEND ANALYSIS
0.77% DIVIDEND YIELD
0.4 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Webster Financial Corporation
image
Sold
0-3 MONTHS
2.83 M USD 9
3-6 MONTHS
874 K USD 4
6-9 MONTHS
1.26 M USD 5
9-12 MONTHS
3.01 M USD 5
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
1 week ago
Nov 06, 2024
Sell 582 K USD
Evans Javier L.
Chief Human Resources Officer
- 10137.112
57.41 USD
1 week ago
Nov 06, 2024
Sell 148 K USD
GRIFFIN JAMES MI
Head of Consumer Banking
- 2557
57.79 USD
1 week ago
Nov 06, 2024
Sell 336 K USD
MOTL CHRISTOPHER J
President, Commercial Banking
- 6000
55.952 USD
1 week ago
Nov 06, 2024
Sell 105 K USD
BLEY DANIEL
Chief Risk Officer
- 1750
59.78 USD
3 weeks ago
Oct 22, 2024
Sell 230 K USD
Pettie Mark
Director
- 4500
51.142 USD
3 weeks ago
Oct 21, 2024
Sell 180 K USD
BLEY DANIEL
Chief Risk Officer
- 3463
52.105 USD
3 weeks ago
Oct 21, 2024
Sell 210 K USD
Wang Albert Jen-Wen
Chief Accounting Officer
- 4000
52.4311 USD
1 month ago
Sep 18, 2024
Sell 268 K USD
CIULLA JOHN R
Chairman and CEO
- 5584
48.0062 USD
1 month ago
Sep 19, 2024
Sell 116 K USD
CIULLA JOHN R
Chairman and CEO
- 2416
48.1212 USD
2 months ago
Sep 11, 2024
Sell 360 K USD
MORSE LAURENCE C
Director
- 8175
43.98 USD
2 months ago
Sep 09, 2024
Sell 283 K USD
WILKINS CHARLES L
Head of HSA Bank
- 6300
44.851 USD
2 months ago
Sep 09, 2024
Sell 8.97 K USD
WILKINS CHARLES L
Head of HSA Bank
- 200
44.865 USD
3 months ago
Jul 26, 2024
Sell 245 K USD
WILKINS CHARLES L
Head of HSA Bank
- 5000
49.07 USD
3 months ago
Jul 26, 2024
Sell 147 K USD
BLEY DANIEL
Chief Risk Officer
- 3000
48.985 USD
3 months ago
Jul 24, 2024
Sell 76.4 K USD
SOTO JASON A.
Chief Credit Officer
- 1650
46.32 USD
4 months ago
Jul 15, 2024
Sell 384 K USD
CIULLA JOHN R
Chairman and CEO
- 8000
48.0393 USD
5 months ago
Jun 04, 2024
Sell 21 K USD
BLEY DANIEL
Chief Risk Officer
- 498
42.11 USD
6 months ago
May 07, 2024
Sell 185 K USD
Whiston William E.
Director
- 4000
46.28 USD
6 months ago
May 01, 2024
Sell 102 K USD
BLEY DANIEL
Chief Risk Officer
- 2280
44.8 USD
8 months ago
Mar 11, 2024
Sell 58.2 K USD
GRIFFIN JAMES MI
Head of Consumer Banking
- 1200
48.478 USD
8 months ago
Mar 11, 2024
Sell 680 K USD
MOTL CHRISTOPHER J
President of Comm. Banking
- 13881
49 USD
8 months ago
Mar 05, 2024
Sell 9.63 K USD
SOTO JASON A.
Chief Credit Officer
- 200
48.155 USD
8 months ago
Mar 05, 2024
Sell 34.1 K USD
SOTO JASON A.
Chief Credit Officer
- 707
48.18 USD
8 months ago
Feb 29, 2024
Sell 95.2 K USD
BLEY DANIEL
Chief Risk Officer
- 2000
47.601 USD
8 months ago
Feb 28, 2024
Sell 99.7 K USD
SOTO JASON A.
Chief Credit Officer
- 2100
47.473 USD
9 months ago
Jan 30, 2024
Sell 545 K USD
MOTL CHRISTOPHER J
President, Commercial Banking
- 10400
52.4 USD
9 months ago
Jan 30, 2024
Sell 3.93 K USD
MOTL CHRISTOPHER J
President, Commercial Banking
- 75
52.405 USD
9 months ago
Jan 30, 2024
Sell 617 K USD
Massiani Luis
Chief Operating Officer
- 11956
51.6334 USD
9 months ago
Jan 30, 2024
Sell 79.7 K USD
Massiani Luis
Chief Operating Officer
- 1544
51.6455 USD
9 months ago
Jan 25, 2024
Sell 154 K USD
WILKINS CHARLES L
Head of HSA Bank
- 2991
51.551 USD
9 months ago
Jan 25, 2024
Sell 3.87 K USD
WILKINS CHARLES L
Head of HSA Bank
- 75
51.56 USD
9 months ago
Jan 25, 2024
Sell 5.16 K USD
WILKINS CHARLES L
Head of HSA Bank
- 100
51.575 USD
9 months ago
Jan 25, 2024
Sell 41.3 K USD
WILKINS CHARLES L
Head of HSA Bank
- 800
51.59 USD
9 months ago
Jan 25, 2024
Sell 63.6 K USD
BLEY DANIEL
Chief Risk Officer
- 1250
50.9 USD
10 months ago
Jan 02, 2024
Sell 251 K USD
KOPNISKY JACK L
Exec. Chair. Company & Bank
- 5000
50.18 USD
11 months ago
Dec 13, 2023
Sell 1.25 M USD
KOPNISKY JACK L
Exec. Chair. Company & Bank
- 25000
50 USD
1 year ago
Jun 06, 2023
Sell 596 K USD
Massiani Luis
Chief Operating Officer
- 16000
37.27 USD
2 years ago
Sep 08, 2022
Sell 535 K USD
Massiani Luis
Chief Operating Officer
- 11295
47.36 USD
2 years ago
Aug 05, 2022
Sell 371 K USD
Massiani Luis
Chief Operating Officer
- 8000.15
46.43 USD
2 years ago
May 17, 2022
Sell 48.1 K USD
Evans Javier L.
Chief Human Resources Officer
- 1004.888
47.905 USD
2 years ago
May 17, 2022
Sell 48.1 K USD
Evans Javier L.
Chief Human Resources Officer
- 1004.888
47.905 USD
2 years ago
May 17, 2022
Sell 92.9 K USD
Evans Javier L.
Chief Human Resources Officer
- 1975
47.021 USD
2 years ago
May 06, 2022
Bought 25.2 K USD
Mitchell Maureen
director:
+ 520
48.508 USD
2 years ago
Mar 15, 2022
Sell 431 K USD
GEISEL THOMAS X
President of Comm. Banking
- 7500
57.43 USD
2 years ago
Mar 15, 2022
Sell 144 K USD
MOTL CHRISTOPHER J
President of Comm. Banking
- 2500
57.57 USD
2 years ago
Mar 07, 2022
Bought 134 K USD
ATWELL WILLIAM L
director:
+ 2500
53.429 USD
2 years ago
Feb 28, 2022
Sell 241 K USD
BLEY DANIEL
Chief Risk Officer
- 4000
60.18 USD
3 years ago
Feb 23, 2021
Sell 274 K USD
OSAR KAREN R
Director
- 5000
54.7374 USD
3 years ago
Feb 22, 2021
Sell 104 K USD
Pettie Mark
Director
- 2000
52 USD
3 years ago
Feb 18, 2021
Sell 248 K USD
WILKINS CHARLES L
EVP-Head of HSA Bank
- 5000
49.6595 USD
3 years ago
Feb 08, 2021
Sell 150 K USD
MOTL CHRISTOPHER J
EVP-Commercial Banking
- 3000
50.117 USD
3 years ago
Feb 08, 2021
Sell 102 K USD
MOTL CHRISTOPHER J
EVP-Commercial Banking
- 2000
50.9506 USD
3 years ago
Jan 28, 2021
Sell 192 K USD
BLEY DANIEL
EVP-Chief Risk Officer
- 4000
48.0413 USD
3 years ago
Jan 28, 2021
Sell 95.8 K USD
Pettie Mark
Director
- 2000
47.919 USD
4 years ago
May 14, 2020
Bought 50.4 K USD
ATWELL WILLIAM L
Director
+ 2500
20.1599 USD
4 years ago
May 13, 2020
Bought 107 K USD
MacInnes Glenn I
EVP-Chief Financial Officer
+ 5000
21.3361 USD
4 years ago
May 13, 2020
Bought 98.7 K USD
WOLFE HARRIET MUNRETT
EVP - General Counsel
+ 4700
20.996 USD
4 years ago
May 13, 2020
Bought 6.3 K USD
WOLFE HARRIET MUNRETT
EVP - General Counsel
+ 300
20.99 USD
4 years ago
Apr 30, 2020
Bought 71.4 K USD
ATWELL WILLIAM L
Director
+ 2500
28.5662 USD
4 years ago
Apr 27, 2020
Bought 210 K USD
FLYNN ELIZABETH E
Director
+ 8000
26.2512 USD
4 years ago
Apr 24, 2020
Bought 118 K USD
ATWELL WILLIAM L
Director
+ 5000
23.6026 USD
4 years ago
Feb 19, 2020
Sell 70 K USD
CRAWFORD JOHN JOSEPH
Director
- 1500
46.6435 USD
4 years ago
Feb 06, 2020
Sell 72.1 K USD
CRAWFORD JOHN JOSEPH
Director
- 1500
48.069 USD
4 years ago
Feb 03, 2020
Bought 104 K USD
CIULLA JOHN R
President & CEO
+ 2300
45.25 USD
5 years ago
Nov 01, 2019
Sell 90.7 K USD
CRAWFORD JOHN JOSEPH
Director
- 2000
45.3362 USD
5 years ago
Nov 01, 2019
Sell 90 K USD
Pettie Mark
Director
- 2000
45 USD
5 years ago
Nov 04, 2019
Sell 185 K USD
Pettie Mark
Director
- 4000
46.32 USD
5 years ago
Oct 28, 2019
Sell 45.7 K USD
CRAWFORD JOHN JOSEPH
Director
- 1000
45.6828 USD
5 years ago
Jul 31, 2019
Sell 103 K USD
BLEY DANIEL
EVP-Chief Risk Officer
- 2000
51.4531 USD
5 years ago
Jul 26, 2019
Sell 51.3 K USD
CRAWFORD JOHN JOSEPH
Director
- 1000
51.28 USD
5 years ago
Jul 23, 2019
Sell 49.5 K USD
CRAWFORD JOHN JOSEPH
Director
- 1000
49.49 USD
5 years ago
Jul 23, 2019
Sell 49.5 K USD
CRAWFORD JOHN JOSEPH
Director
- 1000
49.49 USD
5 years ago
May 03, 2019
Sell 32.2 K USD
CRAWFORD JOHN JOSEPH
Director
- 600
53.6 USD
5 years ago
Apr 30, 2019
Sell 80.1 K USD
CRAWFORD JOHN JOSEPH
Director
- 1500
53.43 USD
5 years ago
Apr 26, 2019
Sell 210 K USD
BLEY DANIEL
EVP-Chief Risk Officer
- 4000
52.3948 USD
7. News
Webster Lowers Prime Lending Rate to 7.75 Percent STAMFORD, Conn.--(BUSINESS WIRE)--Webster Financial Corporation (NYSE: WBS), the holding company for Webster Bank, N.A., announced today that it has lowered its prime lending rate to 7.75 percent from 8.00 percent, effective November 8, 2024. businesswire.com - 1 week ago
Webster Financial Corporation Declares Common and Preferred Dividends STAMFORD, Conn.--(BUSINESS WIRE)--Webster Financial Corporation Declares Common and Preferred Dividends. businesswire.com - 3 weeks ago
Webster Financial Q3 Earnings Miss Estimates, Revenues Decline Y/Y WBS' third-quarter results reflect lower non-interest income and higher provisions. An increase in NII and lower expenses offer some support. zacks.com - 4 weeks ago
Webster Financial: Shares Roar Higher On Solid Outlook, Yet I Retain 'Hold' Webster Financial stock surged 11.6% on October 17th after Q3 2024 results, despite mixed performance and a previous 'hold' rating. Webster's net interest income dropped 2.7% year-over-year, but deposits and loans increased, showing balance sheet strength. Valuation remains a concern, with a price-to-earnings multiple of 11.3 and return on equity not impressively high. seekingalpha.com - 4 weeks ago
Webster Financial Corporation (WBS) Q3 2024 Earnings Call Transcript Webster Financial Corporation (NYSE:WBS ) Q3 2024 Earnings Conference Call October 17, 2024 9:00 AM ET Company Participants Emlen Harmon - Director, IR John Ciulla - CEO Neal Holland - CFO Luis Massiani - President and Chief Operating Officer Conference Call Participants Chris McGratty - KBW Jared Shaw - Barclays. Mark Fitzgibbon - Piper Sandler Matthew Breese - Stephens Daniel Tamayo - Raymond James Bernard Von Gizycki - Deutsche Bank Laurie Hunsicker - Seaport Research Partners Samuel Varga - UBS Operator Good morning. seekingalpha.com - 1 month ago
Webster Financial (WBS) Reports Q3 Earnings: What Key Metrics Have to Say The headline numbers for Webster Financial (WBS) give insight into how the company performed in the quarter ended September 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 1 month ago
Webster Financial (WBS) Lags Q3 Earnings and Revenue Estimates Webster Financial (WBS) came out with quarterly earnings of $1.34 per share, missing the Zacks Consensus Estimate of $1.35 per share. This compares to earnings of $1.55 per share a year ago. zacks.com - 1 month ago
Marathon Asset Management and Webster Bank Provide Senior Secured Financing for the Acquisition of PK Companies NEW YORK--(BUSINESS WIRE)--Marathon Asset Management (“Marathon”), a leading global credit manager with more than $23 billion of Assets Under Management, and Webster Bank, N.A. (“Webster Bank”), a leading commercial bank in the Northeast with $76 billion in total assets, are pleased to announce the closing of a senior-secured financing to PK Companies Group, LLC (“PK”) to help facilitate the acquisition by DC Capital Partners Management, LP (“DC Capital”). PK's founders reinvested equity in con. businesswire.com - 1 month ago
Webster Reports Third Quarter 2024 EPS of $1.10; Adjusted EPS of $1.34 STAMFORD, Conn.--(BUSINESS WIRE)--Webster Financial Corporation (“Webster”) (NYSE: WBS), the holding company for Webster Bank, N.A., today announced net income available to common stockholders of $188.8 million, or $1.10 per diluted share, for the quarter ended September 30, 2024, compared to $222.3 million, or $1.28 per diluted share, for the quarter ended September 30, 2023. Third quarter 2024 results include $56.2 million pre-tax ($41.0 million after tax), or $0.241 per diluted share, of sec. businesswire.com - 1 month ago
Unlocking Q3 Potential of Webster Financial (WBS): Exploring Wall Street Estimates for Key Metrics Besides Wall Street's top -and-bottom-line estimates for Webster Financial (WBS), review projections for some of its key metrics to gain a deeper understanding of how the company might have fared during the quarter ended September 2024. zacks.com - 1 month ago
Webster Financial (WBS) Expected to Beat Earnings Estimates: Should You Buy? Webster Financial (WBS) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 1 month ago
Webster Financial Corporation Announces Q3 2024 Earnings Release and Conference Call STAMFORD, Conn.--(BUSINESS WIRE)--Webster Financial Corporation Announces Q3 2024 Earnings Release and Conference Call. businesswire.com - 1 month ago
8. Profile Summary

Webster Financial Corporation WBS

image
COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 10.3 B
Dividend Yield 0.77%
Description Webster Financial Corporation operates as the bank holding company for Webster Bank, National Association that provides a range of banking, investment, and financial services to individuals, families, and businesses in the United States. It operates through three segments: Commercial Banking, HSA Bank, and Retail Banking. The Commercial Banking segment provides lending, deposit, and cash management services; commercial and industrial lending and leasing, commercial real estate lending, equipment financing, and asset-based lending, as well as treasury and payment services; wealth management solutions to business owners, operators, and consumers; and trust, asset management, financial planning, insurance, retirement, and investment products. The HSA Bank segment offers health savings accounts, health reimbursement arrangements, flexible spending accounts, and commuter services that are distributed directly to employers and individual consumers, as well as through national and regional insurance carriers, consultants, and financial advisors. The Retail Banking segment provides deposit and fee-based services, residential mortgages, home equity lines, secured and unsecured loans, and credit cards to consumers. The company also offers online and mobile banking services. As of December 31, 2021, it operated 130 banking centers and 251 ATMs. The company was founded in 1935 and is headquartered in Stamford, Connecticut.
Contact 200 Elm Street, Stamford, CT, 06902 https://public.websteronline.com
IPO Date Dec. 12, 1986
Employees 4131
Officers Mr. Daniel H. Bley Executive Vice President & Chief Risk Officer Ms. Kristy Berner Esq. General Counsel & Corporate Secretary Mr. Vikram Nafde Chief Information Officer Mr. William Holland C.F.A., CPA Chief Financial Officer & Executive Vice President Mr. Javier L. Evans Executive Vice President & Chief Human Resources Officer Mr. John R. Ciulla Chairman & Chief Executive Officer Mr. Christopher J. Motl Senior Executive Vice President & President of Commercial Banking Mr. Albert J. Wang CPA Executive Vice President & Chief Accounting Officer Mr. Emlen Briggs Harmon C.F.A. Director of Investor Relations Mr. Luis R. Massiani President & Chief Operating Officer