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Upturn AI SWOT - About
WBS 
Webster Financial Corporation (WBS)
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Upturn Advisory Summary
04/01/2025: WBS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 3.17% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.69B USD | Price to earnings Ratio 11.61 | 1Y Target Price 68.67 |
Price to earnings Ratio 11.61 | 1Y Target Price 68.67 | ||
Volume (30-day avg) 1357742 | Beta 1.27 | 52 Weeks Range 38.46 - 63.57 | Updated Date 04/1/2025 |
52 Weeks Range 38.46 - 63.57 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.10% | Basic EPS (TTM) 4.37 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.48% | Operating Margin (TTM) 47.21% |
Management Effectiveness
Return on Assets (TTM) 1% | Return on Equity (TTM) 8.63% |
Valuation
Trailing PE 11.61 | Forward PE 8.73 | Enterprise Value 10975380480 | Price to Sales(TTM) 3.67 |
Enterprise Value 10975380480 | Price to Sales(TTM) 3.67 | ||
Enterprise Value to Revenue 4.71 | Enterprise Value to EBITDA - | Shares Outstanding 171344992 | Shares Floating 169554513 |
Shares Outstanding 171344992 | Shares Floating 169554513 | ||
Percent Insiders 0.92 | Percent Institutions 90.09 |
Analyst Ratings
Rating 4.14 | Target Price 67.79 | Buy 6 | Strong Buy 5 |
Buy 6 | Strong Buy 5 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Webster Financial Corporation
Company Overview
History and Background
Webster Financial Corporation was founded in 1935 as a savings and loan in Waterbury, Connecticut. It has grown through acquisitions and organic expansion to become a regional bank operating primarily in the northeastern United States.
Core Business Areas
- Commercial Banking: Provides a range of financial services to businesses, including commercial lending, treasury management, and capital markets solutions.
- Retail Banking: Offers a variety of consumer banking products and services, such as checking and savings accounts, mortgages, and personal loans.
- Health Savings Account (HSA) Bank: A leading provider of health savings accounts, offering services to individuals, employers, and health plans.
Leadership and Structure
John R. Ciulla is the Chairman, President and CEO. The company operates with a traditional corporate structure, with various executive teams overseeing different business segments. They have an independent board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes. Market share data is difficult to pinpoint exactly for Webster alone. Competitors include regional banks like M&T Bank and larger national banks like Bank of America.
- Revenue: Data is consolidated and not available per product
- Mortgages: Offers mortgage products to consumers. Market share data is also difficult to pinpoint as Webster is not a major national player. Competitors include Rocket Mortgage, Wells Fargo, and local credit unions.
- Revenue: Data is consolidated and not available per product
- Health Savings Accounts (HSAs): Webster is a significant provider of HSAs. Competitors include Optum Bank, HSA Bank, and BenefitWallet. They currently have over 4.5 million accounts.
- Revenue: Data is consolidated and not available per product
Market Dynamics
Industry Overview
The banking industry is currently facing headwinds from rising interest rates, increased competition from fintech companies, and regulatory changes. However, there are also opportunities for growth in areas such as digital banking and wealth management.
Positioning
Webster Financial Corporation is a regional bank positioned to serve businesses and consumers in the northeastern United States. Their HSA business provides a competitive advantage. They face stiff competition from larger national banks and smaller local institutions.
Total Addressable Market (TAM)
The TAM for banking services is substantial and difficult to quantify precisely, as it encompasses all financial transactions. Webster is focused on capturing market share within its geographic footprint and through its specialized HSA offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Northeast
- Established HSA business
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Sensitivity to interest rate fluctuations
- Reliance on traditional banking model
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Strategic acquisitions
- Growth in the HSA market
Threats
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
- Rising interest rates
Competitors and Market Share
Key Competitors
- MTB
- BAC
- USB
- PNC
Competitive Landscape
Webster faces significant competition from larger national banks and smaller regional players. Its HSA business provides a niche advantage, but it needs to continue investing in technology and customer service to remain competitive.
Major Acquisitions
Sterling Bancorp
- Year: 2022
- Acquisition Price (USD millions): 10300
- Strategic Rationale: Expanded Webster's presence in the New York metropolitan area and enhanced its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires real time access to financial data which is not available here. Webster has expanded through acquisitions and organic growth in the past. Refer to historical SEC Filings.
Future Projections: Future projections are not available here. Analyst estimates vary. Consult financial news sources for analyst consensus.
Recent Initiatives: Recent initiatives require real time access to financial news which is not available here. Look at investor relation page for new news and initiatives.
Summary
Webster Financial is a regional bank with a strong presence in the Northeast. Its HSA business is a key differentiator. It faces competition from larger banks, and managing interest rate sensitivity and digital transformation are crucial for its future success. Successfully integrating acquisitions is also important.
Similar Companies
BAC
Bank of America Corp
BAC
Bank of America Corp
KEY
KeyCorp
KEY
KeyCorp
MTB
M&T Bank Corporation
MTB
M&T Bank Corporation
PNC
PNC Financial Services Group Inc
PNC
PNC Financial Services Group Inc
USB
U.S. Bancorp
USB
U.S. Bancorp
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Articles
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source.
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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