Webster Financial Corp
NYSE:WBS

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Webster Financial Corp
NYSE:WBS
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Price: 61.76 USD 2.1% Market Closed
Market Cap: 10.6B USD
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Intrinsic Value

The intrinsic value of one WBS stock under the Base Case scenario is 76.45 USD. Compared to the current market price of 61.76 USD, Webster Financial Corp is Undervalued by 19%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

WBS Intrinsic Value
76.45 USD
Undervaluation 19%
Intrinsic Value
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Webster Financial Corp

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Webster Financial Corp

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Business Breakdown

Webster Financial Corporation is a prominent regional banking institution headquartered in Waterbury, Connecticut, with a strong legacy that stretches back over 80 years. Its banking subsidiary, Webster Bank, operates over 150 branches across Connecticut, New York, and Massachusetts, offering a diverse range of financial services including personal banking, commercial banking, and wealth management. This breadth of services is underpinned by a commitment to customer-centric solutions and innovative financial products, allowing Webster to cater effectively to both individual and business clients. The bank's resilient performance during economic fluctuations reflects its prudent management and...

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Financials
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Balance Sheet Decomposition
Webster Financial Corp

Net Loans 51.3B
Investments 20.3B
PP&E 411.1m
Intangibles 3.2B
Other Assets 4.2B
Total Deposits 64.5B
Short Term Debt 100.2m
Long Term Debt 911m
Other Liabilities 4.7B
Earnings Calls

In the third quarter of 2024, Webster Financial achieved a 3.6% growth in deposits and a steady 0.7% increase in loans, maintaining a solid balance sheet. The bank reduced its commercial real estate (CRE) concentration, bringing it down to approximately 265% of Tier 1 capital. Adjusted earnings per share reached $1.34, reflecting stable net interest income of $590 to $600 million forecasted for Q4. Following substantial capital improvements, the common equity Tier 1 ratio stands at 11.23%, while efficiency remains strong at 45%. Looking forward, Webster anticipates a mild loan growth of around 1% to 1.5% in the next quarter.

What is Earnings Call?

Wall St
Price Targets

WBS Price Targets Summary
Webster Financial Corp

Wall Street analysts forecast WBS stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for WBS is 64.12 USD with a low forecast of 59.59 USD and a high forecast of 73.5 USD.

Lowest
Price Target
59.59 USD
4% Downside
Average
Price Target
64.12 USD
4% Upside
Highest
Price Target
73.5 USD
19% Upside
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Dividends

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Shareholder Yield

Current shareholder yield for WBS is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

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Dividend Yield
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Ownership

WBS Insider Trading
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Cumulative Transactions Amount
Period Sold Bought Net
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Profile

Webster Financial Corp Logo
Webster Financial Corp

Country

United States of America

Industry

Banking

Market Cap

10.6B USD

Dividend Yield

2.59%

Description

Webster Financial Corp., is holding company, which engages in the provision of financial services to individuals, families, and businesses. The company is headquartered in Stamford, Connecticut and currently employs 3,245 full-time employees. Its subsidiary, Webster Bank, National Association (Webster Bank), and its HSA Bank division (HSA Bank), delivers a range of banking, investment, and financial services to individuals, families, and businesses. Its segments include Commercial Banking, HSA Bank, and Retail Banking. The Commercial Banking segment offers business banking, middle market, asset-based lending, equipment finance, commercial real estate, sponsor and specialty finance, and treasury and payment solutions business units. The HSA Bank segment provides consumer-directed healthcare solutions that include health savings account (HSAs), health reimbursement arrangements, flexible spending accounts, and commuter benefits. The Retail Banking segment serves consumer and small business banking customers by offering consumer deposit and fee-based services, residential mortgages, home equity lines, secured and unsecured loans, and credit card products.

Contact

CONNECTICUT
Stamford
200 Elm Street
+12035782202.0
public.websteronline.com

IPO

1986-12-12

Employees

3 245

Officers

Chairman & CEO
Mr. John R. Ciulla
President & COO
Mr. Luis R. Massiani
Senior Executive VP & President of Commercial Banking
Mr. Christopher J. Motl
CFO & Executive VP
Mr. William Holland C.F.A., CPA
Executive VP & Chief Accounting Officer
Mr. Albert J. Wang CPA
Chief Information Officer
Mr. Vikram Nafde
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Director of Investor Relations
Mr. Emlen Briggs Harmon C.F.A.
General Counsel & Corporate Secretary
Ms. Kristy Berner Esq.
Executive VP & Chief Human Resources Officer
Mr. Javier L. Evans
Executive VP & Chief Risk Officer
Mr. Daniel H. Bley
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See Also

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What is the Intrinsic Value of one WBS stock?

The intrinsic value of one WBS stock under the Base Case scenario is 76.45 USD.

Is WBS stock undervalued or overvalued?

Compared to the current market price of 61.76 USD, Webster Financial Corp is Undervalued by 19%.

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