Webster Financial Financials

WBS Stock  USD 51.52  0.58  1.11%   
Webster Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Webster Financial's Cash And Short Term Investments are comparatively stable compared to the past year. Net Receivables is likely to gain to about 2.3 B in 2025, whereas Total Current Liabilities is likely to drop slightly above 478.7 M in 2025. Key indicators impacting Webster Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.140.1957
Way Down
Pretty Stable
Return On Assets0.00550.0097
Way Down
Slightly volatile
Return On Equity0.06570.0842
Significantly Down
Slightly volatile
Debt Equity Ratio0.09460.0995
Notably Down
Slightly volatile
Operating Income4.1 B3.9 B
Sufficiently Up
Slightly volatile
Current Ratio26.5216.78
Way Up
Very volatile
Investors should never underestimate Webster Financial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Webster Financial's cash flow, debt, and profitability to make informed and accurate decisions about investing in Webster Financial.

Net Income

807.14 Million

  
Understanding current and past Webster Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Webster Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Webster Financial's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in Webster Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Webster Financial. Check Webster Financial's Beneish M Score to see the likelihood of Webster Financial's management manipulating its earnings.

Webster Financial Stock Summary

Webster Financial competes with Westamerica Bancorporation, Wintrust Financial, Finward Bancorp, UMB Financial, and Texas Capital. Webster Financial Corporation operates as the bank holding company for Webster Bank, National Association that provides a range of banking, investment, and financial services to individuals, families, and businesses in the United States. The company was founded in 1935 and is headquartered in Stamford, Connecticut. Webster Financial operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 2424 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS9478901096
CUSIP947890109
LocationConnecticut; U.S.A
Business Address200 Elm Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.websterbank.com
Phone203 578 2202
CurrencyUSD - US Dollar

Webster Financial Key Financial Ratios

Webster Financial Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets32.6B34.9B71.3B74.9B79.0B83.0B
Other Current Liab(24.4M)(22.8M)27.8B36.6B42.1B44.2B
Net Debt437.7M112.4M5.7B1.7B521.1M495.1M
Retained Earnings2.1B2.3B2.7B3.3B3.8B3.9B
Cash263.1M461.6M839.9M1.5B388.1M306.9M
Other Assets18.7B18.5B58.0B(213.5M)65.7B69.0B
Net Receivables626.6M531.5M1.6B1.9B2.2B2.3B
Total Liab29.4B31.5B63.2B66.3B69.9B73.4B
Total Current Assets4.2B5.2B9.8B2.1B9.4B9.9B
Short Term Debt24.4M22.8M6.6B3.0B3.4B1.8B
Other Current Assets265.8M462.1M(575.8M)2.1B1.8B1.8B
Common Stock3.1B3.3B7.8B1.8M2.1M2.0M
Other Liab23.6M46.9M14.9M363.0M326.7M343.1M
Accounts Payable153.2M166.2M29.8B1.5B1.3B1.3B
Long Term Debt567.7M573.9M1.1B3.4B919.3M869.7M
Inventory(265.8M)(462.1M)2.3M(1.5B)(1.3B)(1.2B)
Treasury Stock(76.7M)(140.7M)(127.0M)(431.8M)(388.6M)(369.2M)
Intangible Assets22.4M17.9M199.3M203.1M334.3M351.0M
Net Tangible Assets2.5B2.5B2.7B5.1B5.8B6.1B
Long Term Debt Total540.4M567.7M562.9M1.1B1.2B1.3B
Capital Surpluse1.1B1.1B1.1B6.2B7.1B7.5B

Webster Financial Key Income Statement Accounts

The reason investors look at the income statement is to determine what Webster Financial's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
202020212022202320242025 (projected)
Operating Income280.0M533.9M1.0B1.1B3.9B4.1B
Ebit286.5M539.5M807.0M1.1B1.2B1.3B
Ebitda323.2M575.4M880.6M1.2B1.3B1.4B
Net Income220.6M408.9M644.3M867.8M768.7M807.1M
Income Tax Expense59.4M125.0M153.7M216.7M248.3M260.7M
Interest Expense110.7M41.8M250.5M1.3B1.6B1.7B
Total Revenue1.2B1.2B2.5B2.5B3.9B4.1B
Gross Profit1.2B1.2B2.5B2.5B3.9B4.1B
Income Before Tax280.0M533.9M798.0M1.1B1.0B1.1B
Tax Provision59.4M125.0M153.7M248.9M248.3M143.9M
Net Interest Income891.4M901.1M2.0B2.4B2.3B1.4B
Interest Income1.0B942.8M2.3B3.4B3.9B4.1B

Webster Financial Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash5.2M198.5M378.4M875.9M358.6M376.6M
Free Cash Flow359.3M672.0M1.3B938.3M1.4B1.4B
Depreciation36.6M41.5M82.7M70.9M71.5M48.1M
Other Non Cash Items229.9M75.0M271.8M250.5M325.3M341.5M
Dividends Paid152.8M152.7M261.5M294.8M291.2M305.8M
Capital Expenditures21.3M16.6M28.8M40.3M35.8M25.3M
Net Income220.6M408.9M644.3M859.9M768.7M807.1M
End Period Cash Flow263.1M461.6M839.9M1.7B2.1B2.2B
Investments(2.3B)(2.5B)(7.8B)(2.7B)(3.9B)(3.7B)
Net Borrowings876.6M(1.9B)(442.6M)5.9B6.8B7.1B
Change To Netincome2.2M120.3M(54.1M)231.6M266.3M279.7M

Webster Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Webster Financial's current stock value. Our valuation model uses many indicators to compare Webster Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Webster Financial competition to find correlations between indicators driving Webster Financial's intrinsic value. More Info.
Webster Financial is rated fourth in return on equity category among its peers. It is rated third in return on asset category among its peers reporting about  0.12  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Webster Financial is roughly  8.63 . At this time, Webster Financial's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Webster Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Webster Financial Systematic Risk

Webster Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Webster Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Webster Financial correlated with the market. If Beta is less than 0 Webster Financial generally moves in the opposite direction as compared to the market. If Webster Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Webster Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Webster Financial is generally in the same direction as the market. If Beta > 1 Webster Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Webster Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Webster Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Webster Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(1.47)

At this time, Webster Financial's Price Earnings To Growth Ratio is comparatively stable compared to the past year.

Webster Financial March 21, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Webster Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Webster Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of Webster Financial based on widely used predictive technical indicators. In general, we focus on analyzing Webster Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Webster Financial's daily price indicators and compare them against related drivers.

Additional Tools for Webster Stock Analysis

When running Webster Financial's price analysis, check to measure Webster Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Webster Financial is operating at the current time. Most of Webster Financial's value examination focuses on studying past and present price action to predict the probability of Webster Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Webster Financial's price. Additionally, you may evaluate how the addition of Webster Financial to your portfolios can decrease your overall portfolio volatility.