WEBSTER FINANCIAL CORP (WBS) Fundamental Analysis & Valuation

NYSE:WBS • US9478901096

Current stock price

71.76 USD
-0.4 (-0.55%)
Last:

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

  • WBS had positive earnings in the past year.
  • In the past year WBS had a positive cash flow from operations.
  • In the past 5 years WBS has always been profitable.
  • 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

  • WBS's Return On Assets of 1.16% is fine compared to the rest of the industry. WBS outperforms 69.41% of its industry peers.
  • 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 86.17% of its industry peers.
  • In the last couple of years the Profit Margin of WBS has grown nicely.
  • WBS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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
  • The debt/assets ratio for WBS is higher compared to a year ago.
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.
  • With a Debt to FCF ratio value of 1.32, WBS perfoms like the industry average, outperforming 59.84% of the companies in the same industry.
  • 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
WACC14.49%
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

  • WBS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.59%, which is quite good.
  • Measured over the past years, WBS shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.42% on average per year.
  • Looking at the last year, WBS shows a very negative growth in Revenue. The Revenue has decreased by -11.11% in the last year.
  • 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

  • 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.
  • WBS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.86% yearly.
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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4

4. WBS Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.06, the valuation of WBS can be described as correct.
  • WBS's Price/Earnings ratio is in line with the industry average.
  • WBS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.50.
  • The Price/Forward Earnings ratio is 10.72, which indicates a very decent valuation of WBS.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of WBS is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 22.62. WBS is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.06
Fwd PE 10.72
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as WBS.
Industry RankSector Rank
P/FCF 11.47
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)0.97
PEG (5Y)0.59
EPS Next 2Y12.29%
EPS Next 3Y10.59%

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

7

5. WBS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.22%, WBS has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.57, WBS has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, 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 (4/23/2026, 2:51:59 PM)

71.76

-0.4 (-0.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-28
Inst Owners92%
Inst Owner Change-0.62%
Ins Owners0.7%
Ins Owner Change9.96%
Market Cap11.57B
Revenue(TTM)2.90B
Net Income(TTM)974.82M
Analysts66.32
Price Target75.26 (4.88%)
Short Float %6.47%
Short Ratio1.95
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)0.47%
EPS NY rev (1m)-0.37%
EPS NY rev (3m)1.69%
Revenue NQ rev (1m)0.81%
Revenue NQ rev (3m)2.68%
Revenue NY rev (1m)-0.53%
Revenue NY rev (3m)4.1%
Valuation
Industry RankSector Rank
PE 12.06
Fwd PE 10.72
P/S 4
P/FCF 11.47
P/OCF 10.93
P/B 1.22
P/tB 1.84
EV/EBITDA N/A
EPS(TTM)5.95
EY8.29%
EPS(NY)6.69
Fwd EY9.33%
FCF(TTM)6.26
FCFY8.72%
OCF(TTM)6.56
OCFY9.15%
SpS17.96
BVpS58.87
TBVpS38.96
PEG (NY)0.97
PEG (5Y)0.59
Graham Number88.7792 (23.72%)
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
WACC14.49%
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 Y12.49%
EPS Next 2Y12.29%
EPS Next 3Y10.59%
EPS Next 5YN/A
Revenue 1Y (TTM)-11.11%
Revenue growth 3Y5.37%
Revenue growth 5Y19.73%
Sales Q2Q%4.01%
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.