WBS (Webster Financial) Moat Score: 4/10 (As of Jul. 01, 2026)


WBS Webster Financial Corp WBS
77 GF Score
Price $76.42
GF Value $58.52
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Webster Financial Moat Score?

Webster Financial WBS +0.53% 77 Moat Score is 4 as of Jul. 01, 2026. GuruFocus rates WBS with a GF Score™ of 77/100 and a GF Value™ of $58.52 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,611 Banks companies, Webster Financial ranks better than 86.22% on this metric.

Webster Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Webster Financial has Narrow Moat: Webster Financial Corp has a discernible but modest moat with some brand strength and customer loyalty in regional banking. However, it lacks significant regulatory barriers and pricing power, limiting its competitive advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Webster Financial might have Narrow Moat - Discernible but modest moat.

Webster Financial  (NYSE:WBS) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Webster Financial Moat Score Related Terms

WBS vs FHN, UMBF, WTFC: Moat Score Comparison

For the Banks - Regional subindustry, Webster Financial's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Webster Financial Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Webster Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Webster Financial's Moat Score falls into.


WBS
77GF Score
Webster Financial Corp WBS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Webster Financial (WBS) has a Moat Score of 4 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Webster Financial ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is Webster Financial's Moat Score too high?
Webster Financial's current Moat Score is 4. Based on the distribution chart, Webster Financial ranks #222 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Webster Financial has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Webster Financial's Moat Score compare to FHN and UMBF?
According to the Banks industry distribution chart, Webster Financial ranks #222 out of 1611 companies for Moat Score. This places Webster Financial in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Webster Financial's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Webster Financial stock overvalued right now?
Based on GuruFocus' analysis, Webster Financial (WBS) is currently considered Significantly Overvalued. The stock's GF Value™ is $58.52, compared to a current price of $76.42 — trading 30.6% above its estimated fair value. The current Moat Score is 4. Webster Financial's overall GF Score™ is 77/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Webster Financial (WBS), the current Moat Score is 4 as of Jul. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Webster Financial (WBS) Overvalued in 2026?

Based on GuruFocus' analysis, Webster Financial stock appears to be overvalued. The current stock price of $76.42 is trading 30.6% above its estimated GF Value™ of $58.52. GuruFocus considers Webster Financial to be Significantly Overvalued.

Key valuation signals for WBS:

  • Moat Score: 4
  • GF Value™: $58.52 vs. price of $76.42 (30.6% above fair value)
  • GF Score™: 77/100 with 7 warning signs

No single metric tells the full story. See the WBS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Webster Financial Business Description

Other Exchanges WBSpF.PFD:USAWED:Germany
Address 200 Elm Street, Stamford, CT, USA, 06902
Webster Financial Corp is a full-service provider of financial services, offering commercial and consumer banking, mortgages, and investment advisory along with trust and wealth management services in Connecticut, New York, Rhode Island, Massachusetts, and Pennsylvania. The company's segment includes Commercial Banking, HSA Bank, and Consumer Banking. It generates maximum revenue from the Commercial Banking segment.
77GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$76.42
Price
$58.52
GF Value