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Financial Services - Banks - Regional - NYSE - US
$ 42.45
1.65 %
$ 7.27 B
Market Cap
9.71
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one WBS stock under the worst case scenario is HIDDEN Compared to the current market price of 42.5 USD, Webster Financial Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one WBS stock under the base case scenario is HIDDEN Compared to the current market price of 42.5 USD, Webster Financial Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one WBS stock under the best case scenario is HIDDEN Compared to the current market price of 42.5 USD, Webster Financial Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart WBS

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$65.0$65.0$60.0$60.0$55.0$55.0$50.0$50.0$45.0$45.0$40.0$40.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
3.93 B REVENUE
57.08%
3.91 B OPERATING INCOME
258.25%
769 M NET INCOME
-10.61%
1.4 B OPERATING CASH FLOW
43.49%
-3.87 B INVESTING CASH FLOW
-49.06%
2.82 B FINANCING CASH FLOW
13.26%
596 M REVENUE
-7.98%
316 M OPERATING INCOME
29.17%
178 M NET INCOME
144.89%
891 M OPERATING CASH FLOW
288.73%
-1.14 B INVESTING CASH FLOW
-55.61%
-878 M FINANCING CASH FLOW
-37.64%
Balance Sheet Webster Financial Corporation
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Current Assets 9.39 B
Cash & Short-Term Investments 9.39 B
Receivables 0
Other Current Assets 0
Non-Current Assets 3.93 B
Long-Term Investments 0
PP&E 407 M
Other Non-Current Assets 3.52 B
70.53 %3.06 %26.42 %Total Assets$13.3b
Current Liabilities 504 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 504 M
Non-Current Liabilities 69.4 B
Long-Term Debt 919 M
Other Non-Current Liabilities 68.5 B
97.96 %Total Liabilities$69.9b
EFFICIENCY
Earnings Waterfall Webster Financial Corporation
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Revenue 3.93 B
Cost Of Revenue 0
Gross Profit 3.93 B
Operating Expenses 18.8 M
Operating Income 3.91 B
Other Expenses 3.14 B
Net Income 769 M
4b4b4b4b3b3b3b3b2b2b2b2b1b1b500m500m004b04b(19m)4b(3b)769mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
99.52% OPERATING MARGIN
99.52%
19.57% NET MARGIN
19.57%
8.42% ROE
8.42%
0.97% ROA
0.97%
23.05% ROIC
23.05%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Webster Financial Corporation
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1b1b1b1b1b1b800m800m600m600m400m400m200m200m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 769 M
Depreciation & Amortization 71.5 M
Capital Expenditures -35.8 M
Stock-Based Compensation 55.1 M
Change in Working Capital 184 M
Others 509 M
Free Cash Flow 1.37 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Webster Financial Corporation
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Wall Street analysts predict an average 1-year price target for WBS of $57.5 , with forecasts ranging from a low of $51 to a high of $63 .
WBS Lowest Price Target Wall Street Target
51 USD 20.14%
WBS Average Price Target Wall Street Target
57.5 USD 35.45%
WBS Highest Price Target Wall Street Target
63 USD 48.41%
Price
Max Price Target
Min Price Target
Average Price Target
6565606055555050454540403535May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.74% DIVIDEND YIELD
0.4 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.8001.8001.6001.6001.4001.4001.2001.2001.0001.0000.8000.8000.6000.6000.4000.4000.2000.2000.0000.0000.20.230.250.260.330.40.40.40.40.40.40.230.250.260.330.40.40.40.40.40.40.230.250.260.330.40.40.40.40.40.40.230.890.2450.980.261.030.331.250.41.530.41.600.41.600.41.600.41.600.41.600.402015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 16
6. Ownership
Insider Ownership Webster Financial Corporation
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Sold
0-3 MONTHS
1.24 M USD 2
3-6 MONTHS
2.79 M USD 9
6-9 MONTHS
1.5 M USD 5
9-12 MONTHS
693 K USD 3
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
7. News
Webster Announces Chief Risk Officer Transition STAMFORD, Conn.--(BUSINESS WIRE)--Webster Financial Corporation (NYSE: WBS) (“Webster” or “the Company”), the holding company for Webster Bank, N.A., today announced that after 14 years with the Company, Dan Bley intends to retire from his role as Executive Vice President and Chief Risk Officer (CRO). Mr. Bley will continue to serve as the Company's CRO until a successor is appointed and will then serve in an advisory role to ensure a smooth transition. “Dan has been instrumental in driving a s. businesswire.com - 2 weeks ago
Webster Financial Corporation to Speak at RBC Capital Markets Global Financial Institutions Conference STAMFORD, Conn.--(BUSINESS WIRE)--Webster Financial Corporation to Speak at RBC Capital Markets Global Financial Institutions Conference. businesswire.com - 1 month ago
Webster Financial Corporation Declares Common and Preferred Dividends STAMFORD, Conn.--(BUSINESS WIRE)--Webster Financial Corporation Declares Common and Preferred Dividends. businesswire.com - 2 months ago
Webster Financial Q4 Earnings Beat on Higher NII & Lower Expenses WBS' Q4 earnings benefit from an increase in NII, loans and deposit balance, along with a fall in expenses. However, a rise in provisions is a headwind. zacks.com - 2 months ago
Webster Financial Corporation (WBS) Q4 2024 Earnings Call Transcript Webster Financial Corporation (NYSE:WBS ) Q4 2024 Results Conference Call January 17, 2025 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 Mark Fitzgibbon - Piper Sandler Jared Shaw - Barclays Matthew Breese - Stephens Timur Braziler - Wells Fargo Chris McGratty - KBW Laurie Hunsicker - Seaport Anthony Elian - JPMorgan Nick Holowko - UBS Bernard Von Gizycki - Deutsche Bank Ben Gerlinger - Citigroup Daniel Tamayo - Raymond James Jon Arfstrom - RBC Capital Markets Operator Good morning. Welcome to the Webster Financial Corp. Fourth Quarter 2024 Earnings Conference Call. seekingalpha.com - 3 months ago
Webster Financial (WBS) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates The headline numbers for Webster Financial (WBS) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 3 months ago
Webster Financial (WBS) Q4 Earnings Top Estimates Webster Financial (WBS) came out with quarterly earnings of $1.43 per share, beating the Zacks Consensus Estimate of $1.36 per share. This compares to earnings of $1.46 per share a year ago. zacks.com - 3 months ago
Webster Reports Fourth Quarter 2024 EPS of $1.01; Adjusted EPS of $1.43 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 $173.6 million, or $1.01 per diluted share, for the quarter ended December 31, 2024, compared to $181.2 million, or $1.05 per diluted share, for the quarter ended December 31, 2023. Fourth quarter 2024 results include securities repositioning losses of $56.9 million, pre-tax, and a deferred tax asset v. businesswire.com - 3 months ago
Webster Financial Earnings Are Imminent; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call Webster Financial Corporation WBS will release earnings results for its fourth quarter, before the opening bell on Friday, Jan. 17, 2025. benzinga.com - 3 months ago
Curious about Webster Financial (WBS) Q4 Performance? Explore Wall Street Estimates for Key Metrics Evaluate the expected performance of Webster Financial (WBS) for the quarter ended December 2024, looking beyond the conventional Wall Street top-and-bottom-line estimates and examining some of its key metrics for better insight. zacks.com - 3 months ago
Earnings Preview: Webster Financial (WBS) Q4 Earnings Expected to Decline Webster Financial (WBS) doesn't possess 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 - 3 months ago
Webster Financial Corporation Announces Q4 2024 Earnings Release and Conference Call STAMFORD, Conn.--(BUSINESS WIRE)--Webster Announces Q42024 Earnings Release and Conference Call. businesswire.com - 3 months ago
8. Profile Summary

Webster Financial Corporation WBS

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 7.27 B
Dividend Yield 0.74%
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 4297
Officers Mr. Emlen Briggs Harmon C.F.A. Director of Investor Relations Mr. Vikram Nafde Chief Information Officer Mr. Charles L. Wilkins Executive Vice President & Head of HSA Bank Ms. Alice Spinella Executive Vice President of Consumer Restructuring & Recovery Mr. Christopher J. Motl Senior Executive Vice President & President of Commercial Banking Mr. William Holland C.F.A., CPA Chief Financial Officer & Executive Vice President Mr. Albert J. Wang CPA Executive Vice President & Chief Accounting Officer Mr. Luis R. Massiani President & Chief Operating Officer Mr. John R. Ciulla Chairman & Chief Executive Officer Mr. Daniel H. Bley Executive Vice President & Chief Risk Officer