Webster Bank (WBS)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$77.57-0.51%
Close 2026-08-19 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · WBS
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 8.2% |
| Our one-year growth estimate | diamond | 5.7% |
Growth built into the price is above our model estimate.
The price assumes 2.5 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 219 industry peers
WBS — M&A activity
Dated 2026-08-20
As a result of the consummation of the HoldCo Transactions, at the effective time of the Share Exchange, a change of control of Webster occurred, and Webster Virginia, as successor to Webster in the Reincorporation Merger, became a wholly-owned subsidiary of Banco Santander. Immediately following the Webster Virginia Contribution, Webster Virginia merged with and into SHUSA in the IHC Merger, with SHUSA continuing as the surviving corporation.
Why it matters: Higher net charge-offs may mean worse credit quality and lower profits.
Worry ifNet charge-offs are over 0.30% of average loans and leases, showing credit issues.
Less concerning ifNet charge-offs are under 0.30%. This shows strong credit quality.
Why it matters: Keeping the dividend shows the company is doing well. It also shows care for shareholders.
Supportive ifAn announcement will confirm the dividend per share stays at $0.40.
Worry ifAn announcement of a dividend cut or suspension.
Why it matters: Earnings growth shows good performance during the deal.
Supportive ifQ3 EPS is over $1.60. This shows the company is still making money.
Worry ifQ3 EPS is below $1.50. This suggests the company is not doing well.
Why it matters: Growing deposits show customer trust and financial strength. This helps with lending money.
Supportive ifDeposits grow more than 1% quarter over quarter.
Worry ifDeposits grow less than 1% quarter over quarter.
Why it matters: Earnings results will provide insights into financial health and growth. They will also reflect the impact of recent strategic moves.
Watch forEarnings per share exceeds analyst expectations by more than 5%.
Also watch forEarnings per share falls short of analyst expectations by more than 5%.
Why it matters: Higher net charge-offs may show worse asset quality. This could affect future profits.
Worry ifNet charge-offs reported above $45 million in the next earnings release.
Less concerning ifNet charge-offs remain below $40 million in the next earnings release.
Why it matters: Interest rate changes can affect profits and net interest margins.
Watch forFOMC raises interest rates by 25 basis points.
Also watch forFOMC cuts interest rates by 25 basis points.
Why it matters: More non-performing loans may mean credit quality problems during the deal.
Worry ifNon-performing loans increase by more than 10% from the last reported figure.
Less concerning ifNon-performing loans go down or stay below current levels.
Why it matters: More non-performing loans could show credit quality problems. This can hurt overall financial health.
Worry ifNon-performing loans reported above 0.91% of total loans in Q3.
Less concerning ifNon-performing loans were below 0.91%. This shows better asset quality.
Why it matters: Keeping the dividend shows good capital management. It also helps shareholders during the change.
Supportive ifWebster announces the dividend remains at $0.40 per share for the next quarter.
Worry ifWebster cuts the dividend below $0.40 per share.
Why it matters: A higher provision may mean worse asset quality. This can hurt profits.
Worry ifIn Q2, the provision for credit losses was over $54 million.
Less concerning ifProvision for credit losses remains at or below $54 million.
Why it matters: Keeping the dividend shows strong cash flow. It also shows commitment to shareholders.
Supportive ifDividend per share remains at $0.4 for the next quarter.
Worry ifDividend per share is cut below $0.4.
Why it matters: More cash flow means the company is managing costs well and can grow.
Supportive ifOperating cash flow increases year over year in the next quarterly report.
Worry ifIf operating cash flow goes down or stays the same compared to past quarters.
Why it matters: A drop in revenue growth would signal a potential slowdown in the financial sector.
Worry ifWebster's revenue growth falls below the median of 13% year over year.
Less concerning ifRevenue growth remains above the median of 13% year over year.
Why it matters: Slow loan growth may mean less demand or problems after the acquisition.
Worry ifLoans and leases growth slows to below 1% quarter over quarter.
Less concerning ifLoans and leases growth remains above 1% quarter over quarter.
Why it matters: Completing the acquisition will change how Webster works and plans for the future.
Supportive ifThe acquisition closes on August 20, 2026, as planned.
Worry ifThe acquisition is delayed or fails to close on the expected date.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$55 on $10,000 · ±0.6% | How much price usually moves either way. |
| Bad day | $167 loss on $10,000 · 1.7% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,402 loss on $10,000 · 14.0% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.