(WBS) Webster Financial - Overview
Stock: Deposits, Loans, Mortgages, Cards, Treasury
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.86% |
| Yield on Cost 5y | 4.62% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 96.3% |
| Payout Ratio | 21.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 35.2% |
| Relative Tail Risk | -12.8% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.63 |
| Alpha | 5.98 |
| Character TTM | |
|---|---|
| Beta | 1.320 |
| Beta Downside | 1.757 |
| Drawdowns 3y | |
|---|---|
| Max DD | 41.99% |
| CAGR/Max DD | 0.32 |
Description: WBS Webster Financial January 02, 2026
Webster Financial Corporation (NYSE: WBS) is the holding company for Webster Bank, NA, delivering a full suite of banking and wealth-management products to individuals, families, and businesses across the United States. The firm operates through three primary segments-Commercial Banking, Healthcare Financial Services, and Consumer Banking-offering deposit accounts, a wide range of loan products (including mortgages, SBA, and commercial real-estate financing), treasury and payment services, insurance, retirement planning, and private-banking solutions.
Key metrics from the most recent quarter (Q2 2024) show a net interest margin of 3.45 %-slightly above the regional-bank average of 3.2 %-and a loan-to-deposit ratio of 78 %, indicating a balanced funding profile. Deposit growth has accelerated 6 % YoY, driven by higher-yield savings products amid a persistently tight Fed policy stance, while loan growth slowed to 2 % YoY, reflecting cautious underwriting in a higher-rate environment. The healthcare-financial services segment contributes roughly 12 % of total revenue, benefitting from an aging population and increasing demand for specialized financing solutions.
For a deeper quantitative dive, you may find ValueRay’s granular segment-level analytics useful for evaluating WBS’s risk-adjusted upside.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 1.00b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.16 > 1.0 |
| NWC/Revenue: -1186 % < 20% (prev -1529 %; Δ 342.6% < -1%) |
| CFO/TA 0.02 > 3% & CFO 1.63b > Net Income 1.00b |
| Net Debt (368.7m) to EBITDA (1.31b): 0.28 < 3 |
| Current Ratio: 0.26 > 1.5 & < 3 |
| Outstanding Shares: last quarter (160.6m) vs 12m ago -5.53% < -2% |
| Gross Margin: 60.80% > 18% (prev 0.57%; Δ 6024 % > 0.5%) |
| Asset Turnover: 5.42% > 50% (prev 5.29%; Δ 0.14% > 0%) |
| Interest Coverage Ratio: 0.62 > 6 (EBITDA TTM 1.31b / Interest Expense TTM 1.52b) |
Altman Z'' -3.72
| A: -0.62 (Total Current Assets 18.35b - Total Current Liabilities 70.83b) / Total Assets 84.07b |
| B: 0.05 (Retained Earnings 4.29b / Total Assets 84.07b) |
| C: 0.01 (EBIT TTM 939.2m / Avg Total Assets 81.55b) |
| D: 0.12 (Book Value of Equity 9.21b / Total Liabilities 74.58b) |
| Altman-Z'' Score: -3.72 = D |
What is the price of WBS shares?
Over the past week, the price has changed by +9.75%, over one month by +10.73%, over three months by +26.70% and over the past year by +22.54%.
Is WBS a buy, sell or hold?
- StrongBuy: 9
- Buy: 6
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the WBS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 75.7 | 5% |
| Analysts Target Price | 75.7 | 5% |
| ValueRay Target Price | 79.3 | 10.1% |
WBS Fundamental Data Overview January 31, 2026
P/E Forward = 9.9701
P/S = 3.9444
P/B = 1.1489
P/EG = 1.93
Revenue TTM = 4.42b USD
EBIT TTM = 939.2m USD
EBITDA TTM = 1.31b USD
Long Term Debt = 739.5m USD (from longTermDebt, last quarter)
Short Term Debt = 2.65b USD (from shortTermDebt, two quarters ago)
Debt = 739.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 368.7m USD (from netDebt column, last quarter)
Enterprise Value = -7.00b USD (10.61b + Debt 739.5m - CCE 18.35b)
Interest Coverage Ratio = 0.62 (Ebit TTM 939.2m / Interest Expense TTM 1.52b)
EV/FCF = -4.42x (Enterprise Value -7.00b / FCF TTM 1.59b)
FCF Yield = -22.65% (FCF TTM 1.59b / Enterprise Value -7.00b)
FCF Margin = 35.85% (FCF TTM 1.59b / Revenue TTM 4.42b)
Net Margin = 22.67% (Net Income TTM 1.00b / Revenue TTM 4.42b)
Gross Margin = 60.80% ((Revenue TTM 4.42b - Cost of Revenue TTM 1.73b) / Revenue TTM)
Gross Margin QoQ = 62.18% (prev 60.98%)
Tobins Q-Ratio = -0.08 (set to none) (Enterprise Value -7.00b / Total Assets 84.07b)
Interest Expense / Debt = 52.24% (Interest Expense 386.3m / Debt 739.5m)
Taxrate = 20.30% (65.1m / 321.0m)
NOPAT = 748.6m (EBIT 939.2m * (1 - 20.30%))
Current Ratio = 0.26 (Total Current Assets 18.35b / Total Current Liabilities 70.83b)
Debt / Equity = 0.08 (Debt 739.5m / totalStockholderEquity, last quarter 9.49b)
Debt / EBITDA = 0.28 (Net Debt 368.7m / EBITDA 1.31b)
Debt / FCF = 0.23 (Net Debt 368.7m / FCF TTM 1.59b)
Total Stockholder Equity = 9.37b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.23% (Net Income 1.00b / Total Assets 84.07b)
RoE = 10.70% (Net Income TTM 1.00b / Total Stockholder Equity 9.37b)
RoCE = 9.29% (EBIT 939.2m / Capital Employed (Equity 9.37b + L.T.Debt 739.5m))
RoIC = 5.75% (NOPAT 748.6m / Invested Capital 13.01b)
WACC = 10.08% (E(10.61b)/V(11.35b) * Re(10.78%) + (debt cost/tax rate unavailable))
Discount Rate = 10.78% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.98%
[DCF Debug] Terminal Value 74.00% ; FCFF base≈1.18b ; Y1≈1.39b ; Y5≈2.12b
Fair Price DCF = 155.7 (EV 25.47b - Net Debt 368.7m = Equity 25.10b / Shares 161.2m; r=10.08% [WACC]; 5y FCF grow 18.90% → 2.90% )
EPS Correlation: 26.45 | EPS CAGR: 6.85% | SUE: 0.84 | # QB: 0
Revenue Correlation: 83.64 | Revenue CAGR: 23.46% | SUE: 3.07 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.55 | Chg30d=+0.020 | Revisions Net=+5 | Analysts=16
EPS current Year (2026-12-31): EPS=6.65 | Chg30d=+0.112 | Revisions Net=+6 | Growth EPS=+11.9% | Growth Revenue=+4.4%
EPS next Year (2027-12-31): EPS=7.42 | Chg30d=+0.260 | Revisions Net=+12 | Growth EPS=+11.6% | Growth Revenue=+5.8%