A Business at a Glance
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ITEM 1. BUSINESS The Company is a bank holding company that has elected to be treated as a financial holding company under the BHC Act, incorporated under the laws of Delaware in 1986, and headquartered in Stamford, Connecticut. As of December 31, 2025, the Company had $84.1 billion in total consolidated assets. The Bank is a commercial bank with a national bank charter focused on providing financial products and services to businesses, individuals, and families. While its core footprint spans the Northeast from the New York metropolitan area to Rhode Island and Massachusetts, certain businesses operate in extended geographies. The Bank offers three differentiated lines of business: Commercial Banking, Healthcare Financial Services, and Consumer Banking.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 4.4B | 4.4B | 4.2B | 3.9B | 2.7B | 1.3B |
| Net Income | 975M | 975M | 744M | 843M | 628M | 399M |
| EPS | $5.90 | $5.90 | $4.37 | $4.91 | $3.72 | $2.21 |
| Free Cash Flow | 1.0B | 1.0B | 1.4B | 938M | 1.3B | 672M |
| ROIC | 14.9% | 9.6% | 7.5% | 8.9% | 9.6% | 10.2% |
| Gross Margin | 60.8% | 60.8% | 56.7% | 63.6% | 80.8% | 92.4% |
| Debt/Equity | 0.08 | 0.08 | 0.10 | 0.12 | 0.13 | 0.16 |
| Dividends/Share | $1.61 | $1.60 | $1.60 | $1.60 | $1.60 | $0.80 |
| Operating Income | 1.5B | 1.5B | 1.2B | 1.2B | 1.1B | 479M |
| Operating Margin | 33.2% | 33.2% | 29.6% | 31.3% | 39.6% | 37.9% |
| ROE | 10.3% | 10.5% | 8.3% | 10.1% | 10.9% | 11.9% |
| Shares Outstanding | 165M | 165M | 170M | 172M | 169M | 180M |
WEBSTER FINANCIAL CORP passes 6 of 9 quality checks, suggesting mixed fundamentals.
WEBSTER FINANCIAL CORP trades at 12.3x trailing earnings, compared to its 15-year median P/E of 11.1x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 11.6x vs a median of 14.6x. The company's 5-year average ROIC is 9.2% with a gross margin of 70.9%. Total shareholder yield (dividends + buybacks) is 7.2%. At current prices, the estimated annualized return to fair value is +10.8%.
WEBSTER FINANCIAL CORP (WBS) has a current P/E ratio of 12.3, compared to its historical median P/E of 11.1. The stock is currently considered Fair based on its historical valuation range.
WEBSTER FINANCIAL CORP (WBS) has a 5-year average return on invested capital (ROIC) of 9.2%. This is below average and may indicate limited pricing power.
WEBSTER FINANCIAL CORP (WBS) has a market capitalization of $12.0B. It is classified as a large-cap stock.
Yes, WEBSTER FINANCIAL CORP (WBS) pays a dividend with a trailing twelve-month yield of 2.22%. The company also returns capital through share buybacks, with a buyback yield of 4.95%.
Based on historical P/E analysis, WEBSTER FINANCIAL CORP (WBS) appears fair. The current P/E of 12.3 is 11% above its historical median of 11.1. The estimated fair value CAGR (P/E method) is 7.9%.
WEBSTER FINANCIAL CORP (WBS) operates in the National Commercial Banks industry, within the Financials sector.
WEBSTER FINANCIAL CORP (WBS) reported annual revenue of $4.4 billion in its most recent fiscal year, based on SEC EDGAR filings.
WEBSTER FINANCIAL CORP (WBS) has a net profit margin of 22.0%. This is a strong margin indicating high profitability.
WEBSTER FINANCIAL CORP (WBS) generated $1.0 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
WEBSTER FINANCIAL CORP (WBS) has a debt-to-equity ratio of 0.08. This indicates a conservatively financed balance sheet.
WEBSTER FINANCIAL CORP (WBS) reported earnings per share (EPS) of $5.90 in its most recent fiscal year.
WEBSTER FINANCIAL CORP (WBS) has a return on equity (ROE) of 10.5%. This indicates moderate shareholder returns.
WEBSTER FINANCIAL CORP (WBS) has a 5-year average gross margin of 70.9%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for WEBSTER FINANCIAL CORP (WBS), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
WEBSTER FINANCIAL CORP (WBS) has a book value per share of $57.45, based on its most recent annual SEC filing.
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