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The Screen · Financials · Banks - Regional
Webster Financial Corp
WBS · the NYSE · USD · Market cap $12.6B · 4,498 employees
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.
FAIL · Does not pass the screen
77.57 USD
At the last full screen 2026-09-10
Screened 2026-09-10 · the tape above runs as of 21:00 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 77.57 against the desk's fair-value range, base estimate 81.00, over the last year.
Positioning no disclosures inside 60 days, left as found
Options no verdict drawn today, left as found
Ethical does not pass the values gate
Price77.57 USD
Fair value81.00
Ethical score30.0/100
Our investment reviews on this name
2026-07-02Read Accumulation73.91+5.0% to today ✓
Our analytic regime reads on this name, dated and marked against today's price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Webster Financial Corp holds its Accumulation at $77.57. The statistical read favours the sellers, held for 84 days.
As held on the ledger · 2026-09-10
Phase
Accumulation
Quantitative state
The statistical read favours the sellers, held for 84 days
Price at the screen
$77.57
Valuation
12.63 trailing · 10.82 forward price to earnings
Values screen
FAIL· score 30.0
Beta
1.01
The Workings
Five Screens, Shown in Full
Does not pass. Excluded industry: Banks - Regional
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Excluded industry: Banks - Regional
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
Fair value range in USD, drawn from the 2026-09-10 screen. The gold marker is the market price at the same screen. A 4.4% margin of safety to the base estimate.
Third-party analyst targets: 11 covering, consensus Hold. The average target sits −1% from the screen price.
Reading the gap · Our model sees value the Street hasn't fully caught up to yet.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-10 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Regional banks fail before the numbers matter
Picture a family in New England walking into a branch for a mortgage or a local firm drawing down a line of credit. Webster Financial handles those everyday flows across three banking segments. Yet the business never clears the first gate.
The ethical screen rules it out outright because regional banks sit on the excluded list. Numbers such as 9 percent revenue growth, a 37 percent profit margin and a 10.4 times forward multiple do not change that verdict. Fair value sits only 7 percent above the current price and twelve analysts already call it a hold.
Banks are cyclical by nature, so a low multiple can simply mark peak earnings rather than a bargain. Currency and rate swings add further pressure that a narrow moat cannot offset. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
WBS trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-09-16Accumulation$77.57-1.5%Entry 5
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 1.5% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 13% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 29%. The street (12 analysts) rates it none, with a mean price target of $74.
2026-08-16Accumulation$78.78+6.6%Entry 4
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 6.6% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 13% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 29%. The street (12 analysts) rates it none, with a mean price target of $74.
2026-07-18Accumulation$73.91+0.0%Entry 3
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 13% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 29%. The street (12 analysts) rates it none, with a mean price target of $74.
2026-07-03Accumulation$73.91+0.0%Entry 2
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
2026-07-02Accumulation$73.91Entry 1
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
