WEBSTER FINANCIAL CORP (WBS) Fundamental Analysis & Valuation

NYSE:WBS • US9478901096

Current stock price

67.92 USD
-0.15 (-0.22%)
At close:
68.79 USD
+0.87 (+1.28%)
Pre-Market:

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.
  • WBS had a positive operating cash flow in the past year.
  • Each year in the past 5 years WBS has been profitable.
  • WBS had a positive operating cash flow in each of the past 5 years.
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

  • The Return On Assets of WBS (1.16%) is better than 70.26% of its industry peers.
  • The Return On Equity of WBS (10.27%) is better than 63.42% 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

  • With an excellent Profit Margin value of 33.67%, WBS belongs to the best of the industry, outperforming 86.58% of the companies in the same industry.
  • WBS's Profit Margin has improved in the last couple of years.
  • 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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3

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.
  • The number of shares outstanding for WBS has been reduced compared to 1 year ago.
  • The number of shares outstanding for WBS has been increased compared to 5 years ago.
  • 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

  • The Debt to FCF ratio of WBS is 1.32, which is an excellent value as it means it would take WBS, only 1.32 years of fcf income to pay off all of its debts.
  • WBS's Debt to FCF ratio of 1.32 is fine compared to the rest of the industry. WBS outperforms 61.05% of its industry peers.
  • WBS has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
  • WBS has a Debt to Equity ratio of 0.14. This is comparable to the rest of the industry: WBS outperforms 57.37% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.32
Altman-Z N/A
ROIC/WACCN/A
WACC14.85%
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

6

3. WBS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 10.59% over the past year.
  • The Earnings Per Share has been growing by 20.42% on average over the past years. This is a very strong growth
  • WBS shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -11.11%.
  • WBS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.73% yearly.
EPS 1Y (TTM)10.59%
EPS 3Y2.1%
EPS 5Y20.42%
EPS Q2Q%11.19%
Revenue 1Y (TTM)-11.11%
Revenue growth 3Y5.37%
Revenue growth 5Y19.73%
Sales Q2Q%4.01%

3.2 Future

  • WBS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.71% yearly.
  • WBS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.41% yearly.
EPS Next Y12.9%
EPS Next 2Y12.58%
EPS Next 3Y11.71%
EPS Next 5YN/A
Revenue Next Year11.89%
Revenue Next 2Y8.92%
Revenue Next 3Y10.41%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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

  • WBS is valuated reasonably with a Price/Earnings ratio of 11.42.
  • WBS's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 24.75, WBS is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.11, the valuation of WBS can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as WBS.
  • When comparing the Price/Forward Earnings ratio of WBS to the average of the S&P500 Index (22.10), we can say WBS is valued rather cheaply.
Industry RankSector Rank
PE 11.42
Fwd PE 10.11
WBS Price Earnings VS Forward Price EarningsWBS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • WBS's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 10.86
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)0.89
PEG (5Y)0.56
EPS Next 2Y12.58%
EPS Next 3Y11.71%

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

7

5. WBS Dividend Analysis

5.1 Amount

  • WBS has a Yearly Dividend Yield of 2.44%. Purely for dividend investing, there may be better candidates out there.
  • WBS's Dividend Yield is comparable with the industry average which is at 2.66.
  • Compared to an average S&P500 Dividend Yield of 1.89, WBS pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.44%

5.2 History

  • The dividend of WBS has a limited annual growth rate of 0.30%.
  • WBS has been paying a dividend for at least 10 years, so it has a reliable track record.
  • WBS has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0.3%
Div Incr Years0
Div Non Decr Years15
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

  • WBS pays out 29.08% of its income as dividend. This is a sustainable payout ratio.
  • WBS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP29.08%
EPS Next 2Y12.58%
EPS Next 3Y11.71%
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 (3/30/2026, 8:04:00 PM)

Premarket: 68.79 +0.87 (+1.28%)

67.92

-0.15 (-0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-23
Inst Owners92.35%
Inst Owner Change-1.96%
Ins Owners0.55%
Ins Owner Change9.96%
Market Cap10.95B
Revenue(TTM)2.90B
Net Income(TTM)974.82M
Analysts68
Price Target75.89 (11.73%)
Short Float %5.21%
Short Ratio1.64
Dividend
Industry RankSector Rank
Dividend Yield 2.44%
Yearly Dividend1.7
Dividend Growth(5Y)0.3%
DP29.08%
Div Incr Years0
Div Non Decr Years15
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)-0.38%
PT rev (3m)2.41%
EPS NQ rev (1m)-0.37%
EPS NQ rev (3m)0.57%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)2.06%
Revenue NQ rev (1m)0.42%
Revenue NQ rev (3m)1.85%
Revenue NY rev (1m)1.03%
Revenue NY rev (3m)4.58%
Valuation
Industry RankSector Rank
PE 11.42
Fwd PE 10.11
P/S 3.78
P/FCF 10.86
P/OCF 10.35
P/B 1.15
P/tB 1.74
EV/EBITDA N/A
EPS(TTM)5.95
EY8.76%
EPS(NY)6.72
Fwd EY9.89%
FCF(TTM)6.26
FCFY9.21%
OCF(TTM)6.56
OCFY9.66%
SpS17.96
BVpS58.87
TBVpS38.96
PEG (NY)0.89
PEG (5Y)0.56
Graham Number88.78
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
WACC14.85%
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)10.59%
EPS 3Y2.1%
EPS 5Y20.42%
EPS Q2Q%11.19%
EPS Next Y12.9%
EPS Next 2Y12.58%
EPS Next 3Y11.71%
EPS Next 5YN/A
Revenue 1Y (TTM)-11.11%
Revenue growth 3Y5.37%
Revenue growth 5Y19.73%
Sales Q2Q%4.01%
Revenue Next Year11.89%
Revenue Next 2Y8.92%
Revenue Next 3Y10.41%
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 5 / 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.


What is the profitability of WBS stock?

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


Can you provide the expected EPS growth for WBS stock?

The Earnings per Share (EPS) of WEBSTER FINANCIAL CORP (WBS) is expected to grow by 12.9% in the next year.


Can you provide the dividend sustainability for WBS stock?

The dividend rating of WEBSTER FINANCIAL CORP (WBS) is 7 / 10 and the dividend payout ratio is 29.08%.