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Earnings transcript
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WBS
Webster Financial Corporation
$69.79
-0.46
(-0.65%)
| Exchange: | NYSE |
| Market Cap: | 11.253B |
| Shares Outstanding: | 8.19M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | John R. Ciulla | |||||
| Full Time Employees: | 4297 | |||||
| Address: |
| |||||
| Website: | https://public.websteronline.com |
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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 3,942,597 | 4,167,530 | 4,423,027 |
| Gross Profit | 2,500,859 | 2,356,631 | 2,689,413 |
| EBITDA | 1,160,994 | 1,088,538 | 1,260,149 |
| Operating Income | 1,084,504 | 1,017,007 | 1,260,149 |
| Net Income | 867,840 | 768,707 | 1,002,802 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 74,945,249 | 79,025,073 | 84,073,663 |
| Total Liabilities | 66,255,253 | 69,891,859 | 74,581,427 |
| Total Stockholders Equity | 8,689,996 | 9,133,214 | 9,208,257 |
| Total Debt | 3,867,225 | 3,363,461 | 739,454 |
| Cash and Cash Equivalents | 1,715,795 | 2,074,434 | 370,748 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 978,649 | 1,404,300 | 843,149 |
| Capital Expenditure | -40,303 | -35,844 | 0 |
| Free Cash Flow | 938,346 | 1,368,456 | 843,149 |
| Net Income | 867,840 | 768,707 | 1,002,802 |
| Net Change in Cash | 875,852 | 358,639 | -317,173 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 3,376,174.564 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 3,394,852.832 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 3,385,513.698 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 1,092,876.524 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,098,922.728 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,095,899.626 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 1,289,736.849 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 1,339,563.674 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 1,314,650.262 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 786,393.976 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 790,744.603 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 788,569.290 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 8.190 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 8.340 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 8.030 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 3 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Financial Performance: WBS demonstrates robust revenue growth and profitability, as evidenced by consistent increases in net income and operating cash flow from the income and cash flow statements. Key metrics such as high gross profit margin TTM and net profit margin TTM indicate operational efficiency and a strong competitive position within the industry.
- Healthy Liquidity Position: The balance sheet reflects a solid current ratio TTM and quick ratio TTM, suggesting WBS has sufficient liquidity to meet short-term obligations, providing financial stability and flexibility for strategic initiatives.
- Positive Industry and Sector Trends: Performance data indicates that WBS aligns with or outperforms industry and sector benchmarks over multiple timeframes (1w, 1m, 3m, 6m, 1y, 5y), reflecting resilience and favorable positioning within its market segment as per industry and sector performance metrics.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates WBS intrinsic value between $83.49 – $118.31 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about WBS valuation
Is Webster Financial Corporation (WBS) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Webster Financial Corporation (WBS) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is WBS a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether WBS trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is WBS’s P/E ratio?
You can see WBS’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for WBS?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is WBS a good long-term investment?
Whether WBS fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
WBS
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Daily snapshot
-0.65
Trading Metrics:
| Open: | 69.3 | Previous Close: | 70.25 | |
| Day Low: | 69 | Day High: | 69.84 | |
| Year Low: | 39.43 | Year High: | 74 | |
| Price Avg 50: | 69.57 | Price Avg 200: | 62.04 | |
| Volume: | 1.762M | Average Volume: | 4.766M |
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Login — it's freeWBS full analysis
Welcome to MARKETSNAP’s SWOT analysis for Webster Financial Corporation, also known by its ticker WBS. If you’re a long-term investor looking to dive into the financial sector, you’ve come to the right place. Today, we’re breaking down Webster Financial, a key player in the banking and financial services space, to see if it’s got the chops to be a solid addition to your portfolio. Let’s unpack what makes this company tick, check out the latest buzz, and then dive deep…
