Webster Financial vs UMB Financial

Webster Financial Corp. and UMB Financial Corp. are compared on this page to illuminate business models, financial performance, and market context in a neutral, accessible way. The content describes core activities, governance, and competitive positioning to help readers understand how each company operates within the sector. Educational content, not financial advice.

Webster Financial Corp. and UMB Financial Corp. are compared on this page to illuminate business models, financial performance, and market context in a neutral, accessible way. The content describes c...

Comparison Snapshot

Key Financial Metrics

WBS

Metric

UMBF

$10.22B

Market Cap

$9.15B

11.99%

Potential Profit

9.72%

Buy

Analyst Rating

Buy

Investment Analysis

Webster Financial

WBS

Pros

Webster Financial reported a 14% increase in Q2 2025 net income, showing strong earnings growth and improved efficiency ratio at 45.4%.
The company demonstrated steady growth in loans and deposits with a loan-to-deposit ratio of 80.9%, indicating healthy balance sheet expansion.
Webster has strong profitability metrics with a return on average tangible common equity around 17.96% and an improving net profit margin above 30%.

Considerations

Webster Financial's net interest margin slightly declined to 3.40% in Q3 2025, which could pressure future interest income.
The company’s debt-to-equity ratio increased to over 40%, suggesting a higher leverage level that could elevate financial risk.
Despite share buybacks, the stock price remains around 56, trading significantly below some analysts' fair value estimates near $70-$78, indicating potential market valuation concerns.

UMB Financial

UMBF

Pros

UMB Financial maintains a stable share price with a recent price above $107 and a 52-week low near $81, indicating resilience.
The company has a market cap around $8.6 billion, supporting solid institutional presence and capital base.
UMB Financial has consistent dividend payments that support income stability for investors.

Considerations

Public financial data for UMB Financial is less detailed in the recent period, reducing visibility on short-term earnings momentum compared to peers.
UMB Financial's share price volatility and returns data appear more muted relative to sector competitors, potentially limiting rapid capital appreciation.
Lack of specific recent growth catalysts or profitability metrics publicly available places investors at informational disadvantage.

About The Companies

Webster Financial (WBS)

Webster Financial Corporation (WBS) is a US regional banking group headquartered in Waterbury, Connecticut, offering commercial and consumer banking, mortgage lending, wealth management and treasury services. With a market capitalisation around $9.25 billion, Webster serves primarily customers in the Northeast and seeks steady net interest income from lending and deposit-taking. Investors should note the company's sensitivity to interest-rate movements, regional economic conditions and credit cycles; these factors influence margins, loan performance and capital needs. Regulatory oversight and liquidity management are also important for banks of this size. Webster has historically returned capital via dividends, but past payments are not a guarantee of future payouts. This summary provides general, educational information only and is not personalised advice — suitability depends on an investor's circumstances and risk tolerance. Values can rise or fall and returns are not guaranteed; further due diligence, including reading regulatory filings and recent results, is recommended before making investment decisions.

UMB Financial (UMBF)

UMB Financial Corp is a diversified financial services holding company offering a broad range of products to individuals and institutions. Its operations are organised into three main segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment focuses on small to middle-market businesses, providing lending, treasury management, and retirement plan services. The Institutional Banking arm delivers specialised services like asset servicing, corporate trust solutions, and investment banking. For individual clients, the Personal Banking division offers everyday banking products, including deposit accounts, credit cards, mortgages, and wealth management services. This structure allows UMB to serve a wide spectrum of the market, from individual savers to large corporations. As with any financial institution, its performance can be influenced by economic conditions and interest rate changes.

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A sharp drop in U.S. consumer sentiment, fueled by rising inflation and trade policy concerns, signals a potential slowdown in consumer spending. This creates an investment opportunity in defensive sectors like banking, which may prove more resilient than consumer-focused industries during periods of economic uncertainty.

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