WEBSTER FINANCIAL CORP (WBS) Fundamental Analysis & Valuation

NYSE:WBS • US9478901096

Current stock price

72.22 USD
-0.14 (-0.19%)
At close:
72.22 USD
0 (0%)
After Hours:

This WBS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. WBS Profitability Analysis

1.1 Basic Checks

  • In the past year WBS was profitable.
  • In the past year WBS had a positive cash flow from operations.
  • WBS had positive earnings in each of the past 5 years.
  • Each year in the past 5 years WBS had a positive operating cash flow.
WBS Yearly Net Income VS EBIT VS OCF VS FCFWBS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B

1.2 Ratios

  • With a decent Return On Assets value of 1.16%, WBS is doing good in the industry, outperforming 69.41% of the companies in the same industry.
  • WBS's Return On Equity of 10.27% is fine compared to the rest of the industry. WBS outperforms 61.70% of its industry peers.
Industry RankSector Rank
ROA 1.16%
ROE 10.27%
ROIC N/A
ROA(3y)1.08%
ROA(5y)1.05%
ROE(3y)9.37%
ROE(5y)9.49%
ROIC(3y)N/A
ROIC(5y)N/A
WBS Yearly ROA, ROE, ROICWBS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • WBS's Profit Margin of 33.67% is amongst the best of the industry. WBS outperforms 85.90% of its industry peers.
  • In the last couple of years the Profit Margin of WBS has grown nicely.
  • The Operating Margin and Gross Margin are not available for WBS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 33.67%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y10.2%
PM growth 5Y13.38%
GM growth 3YN/A
GM growth 5YN/A
WBS Yearly Profit, Operating, Gross MarginsWBS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. WBS Health Analysis

2.1 Basic Checks

  • WBS does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • WBS has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, WBS has more shares outstanding
  • WBS has a worse debt/assets ratio than last year.
WBS Yearly Shares OutstandingWBS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
WBS Yearly Total Debt VS Total AssetsWBS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • WBS has a debt to FCF ratio of 1.32. This is a very positive value and a sign of high solvency as it would only need 1.32 years to pay back of all of its debts.
  • WBS has a Debt to FCF ratio of 1.32. This is comparable to the rest of the industry: WBS outperforms 59.31% of its industry peers.
  • A Debt/Equity ratio of 0.14 indicates that WBS is not too dependend on debt financing.
  • WBS has a Debt to Equity ratio of 0.14. This is comparable to the rest of the industry: WBS outperforms 56.38% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.32
Altman-Z N/A
ROIC/WACCN/A
WACC14.58%
WBS Yearly LT Debt VS Equity VS FCFWBS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WBS Yearly Current Assets VS Current LiabilitesWBS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. WBS Growth Analysis

3.1 Past

  • WBS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.70%, which is quite good.
  • WBS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.42% yearly.
  • Looking at the last year, WBS shows a quite strong growth in Revenue. The Revenue has grown by 11.78% in the last year.
  • The Revenue has been growing by 19.73% on average over the past years. This is quite good.
EPS 1Y (TTM)16.7%
EPS 3Y2.1%
EPS 5Y20.42%
EPS Q2Q%20.77%
Revenue 1Y (TTM)11.78%
Revenue growth 3Y5.37%
Revenue growth 5Y19.73%
Sales Q2Q%20.2%

3.2 Future

  • Based on estimates for the next years, WBS will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.59% on average per year.
  • Based on estimates for the next years, WBS will show a quite strong growth in Revenue. The Revenue will grow by 10.86% on average per year.
EPS Next Y12.49%
EPS Next 2Y12.29%
EPS Next 3Y10.59%
EPS Next 5YN/A
Revenue Next Year11.3%
Revenue Next 2Y8.56%
Revenue Next 3Y10.86%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
WBS Yearly Revenue VS EstimatesWBS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B
WBS Yearly EPS VS EstimatesWBS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8

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5

4. WBS Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.61, which indicates a very decent valuation of WBS.
  • WBS's Price/Earnings ratio is in line with the industry average.
  • WBS is valuated cheaply when we compare the Price/Earnings ratio to 26.64, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 9.63, the valuation of WBS can be described as reasonable.
  • WBS's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of WBS to the average of the S&P500 Index (21.36), we can say WBS is valued rather cheaply.
Industry RankSector Rank
PE 11.61
Fwd PE 9.63
WBS Price Earnings VS Forward Price EarningsWBS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • WBS's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.55
EV/EBITDA N/A
WBS Per share dataWBS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.93
PEG (5Y)0.57
EPS Next 2Y12.29%
EPS Next 3Y10.59%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. WBS Dividend Analysis

5.1 Amount

  • WBS has a Yearly Dividend Yield of 2.22%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.57, WBS is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, WBS pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.22%

5.2 History

  • The dividend of WBS has a limited annual growth rate of 0.30%.
  • WBS has paid a dividend for at least 10 years, which is a reliable track record.
  • WBS has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.3%
Div Incr Years0
Div Non Decr Years16
WBS Yearly Dividends per shareWBS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 29.08% of the earnings are spent on dividend by WBS. This is a low number and sustainable payout ratio.
  • The dividend of WBS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP29.08%
EPS Next 2Y12.29%
EPS Next 3Y10.59%
WBS Yearly Income VS Free CF VS DividendWBS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
WBS Dividend Payout.WBS Dividend Payout, showing the Payout Ratio.WBS Dividend Payout.PayoutRetained Earnings

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WBS Fundamentals: All Metrics, Ratios and Statistics

WEBSTER FINANCIAL CORP

NYSE:WBS (5/1/2026, 6:40:00 PM)

After market: 72.22 0 (0%)

72.22

-0.14 (-0.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-28
Earnings (Next)07-15
Inst Owners92%
Inst Owner Change-0.37%
Ins Owners0.7%
Ins Owner Change9.96%
Market Cap11.64B
Revenue(TTM)2.90B
Net Income(TTM)974.82M
Analysts66.32
Price Target75.34 (4.32%)
Short Float %4.83%
Short Ratio1.79
Dividend
Industry RankSector Rank
Dividend Yield 2.22%
Yearly Dividend1.7
Dividend Growth(5Y)0.3%
DP29.08%
Div Incr Years0
Div Non Decr Years16
Ex-Date02-09
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.52%
Min EPS beat(2)0.66%
Max EPS beat(2)2.39%
EPS beat(4)3
Avg EPS beat(4)0.39%
Min EPS beat(4)-6.83%
Max EPS beat(4)5.32%
EPS beat(8)4
Avg EPS beat(8)-0.85%
EPS beat(12)6
Avg EPS beat(12)-0.95%
EPS beat(16)9
Avg EPS beat(16)-0.01%
Revenue beat(2)0
Avg Revenue beat(2)-1.74%
Min Revenue beat(2)-2.56%
Max Revenue beat(2)-0.93%
Revenue beat(4)0
Avg Revenue beat(4)-3.02%
Min Revenue beat(4)-4.52%
Max Revenue beat(4)-0.93%
Revenue beat(8)0
Avg Revenue beat(8)-3.6%
Revenue beat(12)1
Avg Revenue beat(12)-3.2%
Revenue beat(16)5
Avg Revenue beat(16)10.19%
PT rev (1m)-1.21%
PT rev (3m)-0.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.3%
EPS NY rev (1m)-0.37%
EPS NY rev (3m)1.49%
Revenue NQ rev (1m)-0.54%
Revenue NQ rev (3m)1.29%
Revenue NY rev (1m)-0.53%
Revenue NY rev (3m)2.7%
Valuation
Industry RankSector Rank
PE 11.61
Fwd PE 9.63
P/S 4.02
P/FCF 11.55
P/OCF 11
P/B 1.23
P/tB 1.85
EV/EBITDA N/A
EPS(TTM)6.22
EY8.61%
EPS(NY)7.5
Fwd EY10.39%
FCF(TTM)6.26
FCFY8.66%
OCF(TTM)6.56
OCFY9.09%
SpS17.96
BVpS58.87
TBVpS38.96
PEG (NY)0.93
PEG (5Y)0.57
Graham Number90.7711 (25.69%)
Profitability
Industry RankSector Rank
ROA 1.16%
ROE 10.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.67%
GM N/A
FCFM 34.83%
ROA(3y)1.08%
ROA(5y)1.05%
ROE(3y)9.37%
ROE(5y)9.49%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y10.2%
PM growth 5Y13.38%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.32
Debt/EBITDA N/A
Cap/Depr 67.58%
Cap/Sales 1.71%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 103.46%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.58%
ROIC/WACCN/A
Cap/Depr(3y)56.79%
Cap/Depr(5y)50.36%
Cap/Sales(3y)1.54%
Cap/Sales(5y)1.43%
Profit Quality(3y)132.88%
Profit Quality(5y)155.42%
High Growth Momentum
Growth
EPS 1Y (TTM)16.7%
EPS 3Y2.1%
EPS 5Y20.42%
EPS Q2Q%20.77%
EPS Next Y12.49%
EPS Next 2Y12.29%
EPS Next 3Y10.59%
EPS Next 5YN/A
Revenue 1Y (TTM)11.78%
Revenue growth 3Y5.37%
Revenue growth 5Y19.73%
Sales Q2Q%20.2%
Revenue Next Year11.3%
Revenue Next 2Y8.56%
Revenue Next 3Y10.86%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-26.3%
FCF growth 3Y-8.28%
FCF growth 5Y22.93%
OCF growth 1Y-24.65%
OCF growth 3Y-7.48%
OCF growth 5Y22.7%

WEBSTER FINANCIAL CORP / WBS Fundamental Analysis FAQ

What is the ChartMill fundamental rating of WEBSTER FINANCIAL CORP (WBS) stock?

ChartMill assigns a fundamental rating of 4 / 10 to WBS.


What is the valuation status for WBS stock?

ChartMill assigns a valuation rating of 5 / 10 to WEBSTER FINANCIAL CORP (WBS). This can be considered as Fairly Valued.


How profitable is WEBSTER FINANCIAL CORP (WBS) stock?

WEBSTER FINANCIAL CORP (WBS) has a profitability rating of 4 / 10.


What is the financial health of WEBSTER FINANCIAL CORP (WBS) stock?

The financial health rating of WEBSTER FINANCIAL CORP (WBS) is 2 / 10.


What is the expected EPS growth for WEBSTER FINANCIAL CORP (WBS) stock?

The Earnings per Share (EPS) of WEBSTER FINANCIAL CORP (WBS) is expected to grow by 12.49% in the next year.