Webster Financial Financials

WBS Stock  USD 61.78  0.27  0.44%   
Webster Financial is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in January. At this time, Webster Financial's Cash is comparatively stable compared to the past year. Non Current Assets Total is likely to gain to about 91.7 B in 2024, despite the fact that Other Assets are likely to grow to (15.1 B). Key indicators impacting Webster Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.360.3471
Sufficiently Up
Slightly volatile
Return On Assets0.01220.0116
Notably Up
Slightly volatile
Return On Equity0.06570.0999
Way Down
Slightly volatile
Debt Equity Ratio0.370.3923
Notably Down
Slightly volatile
Operating Income1.1 B1.1 B
Sufficiently Up
Slightly volatile
Current Ratio0.240.26
Significantly Down
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

911.23 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 JPMorgan Chase, Citigroup, Wells Fargo, Toronto Dominion, and Bank of America. 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
Websitepublic.websteronline.com
Phone203 578 2202
CurrencyUSD - US Dollar

Webster Financial Key Financial Ratios

Webster Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets30.4B32.6B34.9B71.3B74.9B78.7B
Other Current Liab12.1B(24.4M)(22.8M)27.8B36.6B38.4B
Net Debt2.2B437.7M112.4M5.7B1.7B1.8B
Retained Earnings2.1B2.1B2.3B2.7B3.3B3.4B
Cash257.9M263.1M461.6M839.9M1.7B1.8B
Other Assets17.7B18.7B18.5B58.0B(15.9B)(15.1B)
Net Receivables455.4M626.6M531.5M1.6B1.9B2.0B
Total Liab2.5B29.4B31.5B63.2B66.3B69.6B
Total Current Assets3.6B4.2B5.2B9.8B3.5B3.4B
Short Term Debt2.6B24.4M22.8M6.6B3.0B1.8B
Other Current Assets257.9M265.8M462.1M(575.8M)2.1B2.0B
Common Stock3.1B3.1B3.3B7.8B1.8M1.7M
Other Liab23.6M46.9M14.9M363.0M326.7M343.1M
Accounts Payable153.2M166.2M29.8B1.5B1.3B1.3B
Long Term Debt540.4M567.7M573.9M1.1B3.4B3.6B
Inventory(257.9M)(265.8M)(462.1M)2.3M(1.5B)(1.4B)
Treasury Stock(76.7M)(140.7M)(127.0M)(431.8M)(388.6M)(369.2M)
Intangible Assets21.9M22.4M17.9M199.3M203.1M213.3M
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.
201920202021202220232024 (projected)
Operating Income486.7M280.0M533.9M1.0B1.1B1.1B
Ebit486.7M286.5M539.5M807.0M1.1B1.1B
Ebitda490.5M323.2M575.4M880.6M1.2B1.2B
Net Income382.7M220.6M408.9M644.3M867.8M911.2M
Income Tax Expense104.0M59.4M125.0M153.7M216.7M227.5M
Interest Expense199.5M110.7M41.8M250.5M1.3B1.4B
Total Revenue1.2B1.2B1.2B2.5B2.5B2.6B
Gross Profit1.2B1.2B1.2B2.5B2.5B2.6B
Income Before Tax486.7M280.0M533.9M798.0M1.1B1.1B
Cost Of Revenue(3.1M)(3.3M)(129.6M)8.9M8.0M7.6M
Tax Provision104.0M59.4M125.0M153.7M248.9M129.5M
Net Interest Income955.1M891.4M901.1M2.0B2.4B1.3B
Interest Income1.2B1.0B942.8M2.3B3.4B3.6B

Webster Financial Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(71.6M)5.2M198.5M378.4M875.9M919.6M
Free Cash Flow278.1M359.3M672.0M1.3B938.3M985.3M
Depreciation37.5M36.6M41.5M82.7M70.9M47.2M
Other Non Cash Items53.0M229.9M75.0M271.8M250.5M263.1M
Dividends Paid148.7M152.8M152.7M261.5M294.8M309.5M
Capital Expenditures25.7M21.3M16.6M28.8M40.3M24.9M
Net Income382.7M220.6M408.9M644.3M859.9M902.9M
End Period Cash Flow257.9M263.1M461.6M839.9M1.7B1.8B
Investments(2.6B)(2.3B)(2.5B)(7.8B)(2.7B)(2.8B)
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 fifth in return on equity category among its peers. It is rated second in return on asset category among its peers reporting about  0.11  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Webster Financial is roughly  8.75 . 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 thirty-six with a total number of output elements of twenty-five. 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

0.3

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

Webster Financial December 2, 2024 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.