Webster Financial (WBS) Financials

$61.44 -0.51 (-0.82%)

Closing price 09/12/2025 03:59 PM Eastern

Extended Trading

$61.48 +0.04 (+0.06%)

As of 09/12/2025 04:10 PM Eastern

Annual Income Statements for Webster Financial

This table shows Webster Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	195	198	247	352	375	213	401	628	851	752
Consolidated Net Income / (Loss)	205	207	255	360	383	221	409	644	868	769
Net Income / (Loss) Continuing Operations	205	207	255	360	383	221	409	644	868	769
Total Pre-Tax Income	298	303	354	442	487	280	534	798	1,085	1,017
Total Revenue	902	983	1,056	1,189	1,240	1,177	1,224	2,475	2,652	2,590
Net Interest Income / (Expense)	665	719	796	907	955	891	901	2,034	2,337	2,338
Total Interest Income	760	822	914	1,055	1,155	1,002	943	2,285	3,628	3,927
Loans and Leases Interest Income	554	622	710	843	925	790	763	1,947	3,072	3,196
Investment Securities Interest Income	206	199	204	212	229	212	177	320	451	675
Other Interest Income	-	-	-	-	-	-	3.10	18	105	56
Total Interest Expense	95	103	117	148	199	111	42	250	1,291	1,589
Deposits Interest Expense	46	50	62	90	130	68	20	139	1,021	1,427
Long-Term Debt Interest Expense	33	39	41	45	52	37	19	93	260	158
Federal Funds Purchased and Securities Sold Interest Expense	17	15	14	13	18	5.94	3.04	19	9.10	4.11
Total Non-Interest Income	238	264	259	283	285	285	323	441	314	252
Service Charges on Deposit Accounts	-	-	151	162	-	156	163	198	169	161
Other Service Charges	184	206	53	69	232	63	100	180	123	166
Net Realized & Unrealized Capital Gains on Investments	8.29	15	9.81	4.42	6.14	18	6.22	-6.75	-34	-136
Investment Banking Income	32	29	31	33	33	33	40	40	29	33
Other Non-Interest Income	13	15	15	15	15	15	14	29	26	28
Provision for Credit Losses	49	56	41	42	38	138	-55	281	151	222
Total Non-Interest Expense	555	623	661	706	716	759	745	1,396	1,416	1,351
Salaries and Employee Benefits	298	326	357	381	395	428	420	724	712	763
Net Occupancy & Equipment Expense	130	141	150	157	162	183	168	300	275	267
Marketing Expense	16	20	17	17	16	14	12	16	19	19
Property & Liability Insurance Claims	24	26	26	35	18	18	16	27	98	69
Other Operating Expenses	82	105	107	111	120	111	125	298	276	198
Amortization Expense	6.34	5.65	4.06	3.85	3.85	4.16	4.51	32	36	36
Income Tax Expense	93	96	98	81	104	59	125	154	217	248
Preferred Stock Dividends Declared	9.37	8.70	8.61	8.72	7.88	7.88	7.88	16	17	17
Basic Earnings per Share	$2.15	$2.17	$2.68	$3.83	$4.07	$2.35	$4.43	$3.72	$4.91	$4.38
Weighted Average Basic Shares Outstanding	90.97M	91.37M	91.97M	92.29M	91.63M	90.29M	179.59M	174.01M	171.75M	171.35M
Diluted Earnings per Share	$2.13	$2.16	$2.67	$3.81	$4.06	$2.35	$4.42	$3.72	$4.91	$4.37
Weighted Average Diluted Shares Outstanding	90.97M	91.37M	91.97M	92.29M	91.63M	90.29M	179.59M	174.01M	171.75M	171.35M
Weighted Average Basic & Diluted Shares Outstanding	90.97M	91.37M	91.97M	92.29M	91.63M	90.29M	179.59M	174.01M	171.75M	171.35M
Cash Dividends to Common per Share	$0.89	$0.98	$1.03	$1.25	-	-	-	$1.60	$1.60	$1.60

This table shows Webster Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	230	241	217	231	222	181	212	177	189	174
Consolidated Net Income / (Loss)	234	245	221	235	226	185	216	182	193	178
Net Income / (Loss) Continuing Operations	234	245	221	235	226	185	216	182	193	178
Total Pre-Tax Income	298	313	287	298	278	222	286	230	245	257
Total Revenue	665	705	666	673	678	635	667	615	648	661
Net Interest Income / (Expense)	551	602	595	584	587	571	568	572	590	608
Total Interest Income	618	744	831	933	931	933	952	976	1,004	995
Loans and Leases Interest Income	526	643	716	772	794	790	792	804	815	786
Investment Securities Interest Income	92	82	99	109	113	129	148	161	177	190
Other Interest Income	-	-	15	52	24	15	12	12	13	19
Total Interest Expense	67	141	236	350	344	362	384	404	414	387
Deposits Interest Expense	37	81	150	251	294	326	336	361	371	359
Long-Term Debt Interest Expense	23	51	78	98	50	35	46	42	43	27
Federal Funds Purchased and Securities Sold Interest Expense	6.24	9.18	7.83	0.06	0.05	1.16	2.11	1.11	0.04	0.85
Total Non-Interest Income	114	102	71	89	90	64	99	42	58	53
Service Charges on Deposit Accounts	51	48	45	45	41	37	43	41	39	39
Other Service Charges	46	45	29	30	36	29	53	36	22	55
Net Realized & Unrealized Capital Gains on Investments	-2.15	-5.13	-17	-0.05	0.00	-17	-9.83	-50	-20	-57
Investment Banking Income	11	7.02	6.59	7.39	7.25	7.77	7.92	8.56	8.37	8.39
Other Non-Interest Income	7.72	6.54	6.73	6.29	6.62	6.59	5.95	6.36	8.02	7.39
Provision for Credit Losses	37	43	47	31	37	36	46	59	54	64
Total Non-Interest Expense	330	348	332	344	363	377	336	326	349	340
Salaries and Employee Benefits	174	178	173	173	180	185	189	187	195	193
Net Occupancy & Equipment Expense	69	64	65	72	74	65	65	60	76	66
Marketing Expense	3.92	5.57	3.48	5.16	4.81	5.18	4.28	4.11	4.22	6.14
Property & Liability Insurance Claims	8.03	6.58	12	14	13	59	24	15	14	16
Other Operating Expenses	67	86	69	71	81	55	44	51	52	50
Amortization Expense	8.51	8.24	9.50	9.19	8.90	8.62	9.19	8.72	8.49	9.68
Income Tax Expense	64	68	66	63	52	36	69	48	52	79
Preferred Stock Dividends Declared	4.16	4.16	4.16	4.16	4.16	4.16	4.16	4.16	4.16	4.16
Basic Earnings per Share	$1.31	$1.55	$1.24	$1.32	$1.29	$1.06	$1.23	$1.03	$1.10	$1.02
Weighted Average Basic Shares Outstanding	174.01M	174.01M	174.74M	173.25M	172.04M	171.75M	171.49M	171.43M	171.41M	171.35M
Diluted Earnings per Share	$1.31	$1.55	$1.24	$1.32	$1.28	$1.07	$1.23	$1.03	$1.10	$1.01
Weighted Average Diluted Shares Outstanding	174.01M	174.01M	174.74M	173.25M	172.04M	171.75M	171.49M	171.43M	171.41M	171.35M
Weighted Average Basic & Diluted Shares Outstanding	174.01M	174.01M	174.74M	173.25M	172.04M	171.75M	171.49M	171.43M	171.41M	171.35M

This table details how cash moves in and out of Webster Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	-14	-9.03	37	73	-72	5.21	198	378	876	359
Net Cash From Operating Activities	303	398	445	469	304	381	689	1,336	979	1,404
Net Cash From Continuing Operating Activities	303	398	445	469	304	381	689	1,336	979	1,404
Net Income / (Loss) Continuing Operations	205	207	255	360	383	221	409	644	868	769
Consolidated Net Income / (Loss)	205	207	255	360	383	221	409	644	868	769
Provision For Loan Losses	49	56	41	-	38	138	-55	281	151	222
Depreciation Expense	35	36	37	39	38	37	36	82	76	72
Amortization Expense	55	57	45	51	60	88	143	18	49	-14
Non-Cash Adjustments to Reconcile Net Income	-23	-22	23	43	-34	-15	-9.35	30	38	125
Changes in Operating Assets and Liabilities, net	-18	63	43	-24	-180	-87	165	281	-203	232
Net Cash From Investing Activities	-774	-1,635	-531	-1,318	-2,550	-2,289	-2,405	-7,186	-2,596	-3,869
Net Cash From Continuing Investing Activities	-774	-1,635	-531	-1,318	-2,550	-2,289	-2,405	-7,186	-2,596	-3,869
Purchase of Property, Leasehold Improvements and Equipment	-36	-41	-29	-33	-26	-21	-17	-29	-40	-36
Purchase of Investment Securities	-3,551	-3,494	-2,253	-2,365	-3,769	-3,911	-4,705	-10,029	-4,956	-7,824
Sale of Property, Leasehold Improvements and Equipment	0.65	1.55	3.36	0.57	0.00	0.87	3.22	0.30	6.89	6.77
Sale and/or Maturity of Investments	1,416	1,772	1,739	1,080	1,245	1,643	2,313	2,871	2,394	3,983
Net Cash From Financing Activities	457	1,228	123	921	2,174	1,913	1,915	6,229	2,493	2,824
Net Cash From Continuing Financing Activities	457	1,228	123	921	2,174	1,913	1,915	6,229	2,493	2,824
Net Change in Deposits	854	1,352	1,690	980	1,465	4,006	2,511	936	6,721	3,698
Issuance of Debt	13,505	19,635	12,255	8,960	9,500	3,850	-122	2.55	0.00	0.00
Repayment of Debt	-13,700	-19,451	-13,421	-8,810	-9,082	-5,665	0.00	5,450	-3,117	-382
Repurchase of Common Equity	-18	-23	-12	-12	-20	-77	0.00	-346	-124	-83
Payment of Dividends	-90	-98	-103	-123	-149	-153	-153	-261	-295	-291
Other Financing Activities, Net	-94	-187	-310	-73	459	-48	-321	448	-692	-118

This table details how cash moves in and out of Webster Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Net Change in Cash & Equivalents	-289	227	1,594	-1,073	812	-457	-171	-9.58	1,662	-1,123
Net Cash From Operating Activities	422	275	214	249	427	88	244	224	45	891
Net Cash From Continuing Operating Activities	422	275	216	248	427	88	266	202	45	891
Net Income / (Loss) Continuing Operations	234	245	221	235	226	185	216	182	193	178
Consolidated Net Income / (Loss)	234	245	221	235	226	185	216	182	193	178
Provision For Loan Losses	37	43	47	31	37	36	46	59	54	64
Depreciation Expense	22	19	21	20	18	18	19	17	16	19
Amortization Expense	4.01	11	17	8.28	13	10	8.52	0.88	-5.35	-18
Non-Cash Adjustments to Reconcile Net Income	12	43	37	-10	-18	29	35	-8.22	18	80
Changes in Operating Assets and Liabilities, net	113	-86	-127	-36	151	-190	-58	-49	-231	570
Net Cash From Investing Activities	-1,990	-1,853	-2,023	-308	1,511	-1,775	-1,348	-669	-716	-1,136
Net Cash From Continuing Investing Activities	-1,990	-1,853	-2,023	-308	1,511	-1,775	-1,348	-669	-716	-1,136
Purchase of Property, Leasehold Improvements and Equipment	-8.63	-10	-10	-9.37	-14	-6.32	-5.06	-8.43	-10	-12
Purchase of Investment Securities	-2,827	-2,385	-2,733	-910	1,169	-2,482	-2,029	-1,950	-1,806	-2,038
Sale and/or Maturity of Investments	846	1,056	720	611	357	706	687	1,289	1,100	907
Net Cash From Financing Activities	1,280	1,805	3,403	-1,014	-1,126	1,231	933	435	2,333	-878
Net Cash From Continuing Financing Activities	1,280	1,805	3,403	-1,014	-1,126	1,231	933	435	2,333	-878
Net Change in Deposits	931	46	1,236	3,447	1,584	453	-27	1,529	2,245	-50
Issuance of Debt	8,003	-13,150	3,100	-4,250	-2,500	3,650	1,300	-850	300	-750
Repayment of Debt	-7,000	15,100	0.00	-17	-	-3,101	-133	-	-	-250
Repurchase of Common Equity	-76	-26	0.00	-73	-50	-0.51	-20	-45	-17	-0.35
Payment of Dividends	-75	-74	-74	-74	-73	-73	-73	-73	-73	-72
Other Financing Activities, Net	-503	-91	-859	-47	-86	301	-114	-125	-123	244

This table presents Webster Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	24,641	26,073	26,488	27,610	30,389	32,591	34,916	71,278	74,945	79,025
Cash and Due from Banks	200	191	231	260	185	194	137	264	429	388
Interest Bearing Deposits at Other Banks	156	29	26	69	73	70	324	576	1,286	1,686
Trading Account Securities	6,908	7,152	7,125	7,224	8,220	8,895	6,198	7,893	8,960	9,007
Loans and Leases, Net of Allowance	15,497	16,832	17,324	18,253	19,828	21,282	21,971	49,170	50,090	51,816
Loans and Leases	15,672	17,027	17,524	18,465	20,037	21,641	22,272	49,764	50,726	52,505
Allowance for Loan and Lease Losses	175	194	200	212	209	359	301	595	636	690
Loans Held for Sale	37	68	21	12	36	14	21,975	1.99	6.54	28
Premises and Equipment, Net	129	137	130	125	270	227	205	430	430	407
Goodwill	538	538	538	538	538	538	538	2,514	2,631	2,868
Intangible Assets	39	34	30	26	22	22	18	199	203	334
Other Assets	1,137	1,091	1,063	1,103	1,217	1,350	5,520	10,230	10,909	12,491
Total Liabilities & Shareholders' Equity	24,641	26,073	26,488	27,610	30,389	32,591	34,916	71,278	74,945	79,025
Total Liabilities	22,227	23,546	23,786	24,724	27,182	29,356	31,477	63,221	66,255	69,892
Non-Interest Bearing Deposits	3,713	4,021	4,191	4,162	4,446	6,156	7,060	12,975	10,733	10,317
Interest Bearing Deposits	14,240	15,283	16,802	17,696	18,878	21,180	22,787	41,079	50,052	54,437
Federal Funds Purchased and Securities Sold	1,151	950	643	582	1,040	995	675	1,152	458	344
Long-Term Debt	2,889	3,068	1,903	2,053	2,489	701	574	6,534	3,409	3,019
Other Long-Term Liabilities	234	224	246	230	328	324	381	1,481	1,604	1,775
Total Equity & Noncontrolling Interests	2,414	2,527	2,702	2,887	3,208	3,235	3,438	8,056	8,690	9,133
Total Preferred & Common Equity	2,414	2,404	2,557	2,887	3,208	3,235	3,438	8,056	8,690	9,133
Preferred Stock	123	-	-	145	145	145	145	284	284	284
Total Common Equity	2,291	2,404	2,557	2,741	3,063	3,090	3,293	7,772	8,406	8,849
Common Stock	1,125	1,127	1,123	1,115	1,114	1,110	1,110	6,175	6,182	6,183
Retained Earnings	1,316	1,425	1,596	1,828	2,061	2,078	2,333	2,714	3,283	3,759
Treasury Stock	-72	-71	-70	-72	-77	-141	-127	-432	-508	-537
Accumulated Other Comprehensive Income / (Loss)	-78	-77	-92	-131	-36	42	-23	-685	-551	-556

This table presents Webster Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024
Total Assets	69,053	74,844	74,038	73,131	76,162	76,838	79,454
Cash and Due from Banks	286	202	284	406	322	333	721
Interest Bearing Deposits at Other Banks	327	2,232	1,077	1,766	1,223	1,203	2,476
Trading Account Securities	14,591	14,862	14,703	7,653	8,601	7,809	17,161
Loans and Leases, Net of Allowance	47,250	50,313	50,997	49,453	50,457	50,904	51,259
Loans and Leases	47,824	50,927	51,626	50,088	51,099	51,573	51,947
Allowance for Loan and Lease Losses	574	614	629	635	641	669	688
Loans Held for Sale	0.90	211	11	46	240	248	118
Premises and Equipment, Net	435	431	426	432	423	418	411
Goodwill	2,514	2,631	2,631	2,631	2,868	2,868	2,868
Intangible Assets	207	230	221	212	383	374	344
Other Assets	3,442	54,045	3,688	10,531	11,644	12,681	4,095
Total Liabilities & Shareholders' Equity	69,053	74,844	74,038	73,131	76,162	76,838	79,454
Total Liabilities	61,226	66,550	65,759	64,932	67,414	68,029	70,256
Non-Interest Bearing Deposits	13,850	12,007	11,157	11,410	10,213	9,996	10,745
Interest Bearing Deposits	40,159	43,290	47,590	48,922	50,535	52,280	53,770
Short-Term Debt	1,265	306	244	157	362	240	100
Long-Term Debt	4,586	9,632	5,363	2,861	4,574	3,723	4,021
Other Long-Term Liabilities	1,366	1,315	1,405	1,582	1,730	1,790	1,620
Total Equity & Noncontrolling Interests	7,826	8,294	8,280	8,199	8,747	8,809	9,198
Total Preferred & Common Equity	7,826	8,294	8,280	8,199	8,747	8,809	9,198
Preferred Stock	284	284	284	284	284	284	284
Total Common Equity	7,542	8,010	7,996	7,915	8,464	8,525	8,914
Common Stock	6,163	6,140	6,153	6,167	6,141	6,155	6,168
Retained Earnings	2,543	2,857	3,017	3,170	3,426	3,534	3,654
Treasury Stock	-427	-398	-455	-506	-487	-536	-535
Accumulated Other Comprehensive Income / (Loss)	-737	-588	-719	-916	-616	-628	-373

This table displays calculated financial ratios and metrics derived from Webster Financial's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	8.65%	8.93%	7.40%	12.64%	4.30%	-5.14%	4.06%	102.14%	7.13%	-2.31%
EBITDA Growth	3.74%	2.65%	9.86%	21.76%	10.00%	-30.82%	76.17%	26.03%	34.72%	-11.19%
EBIT Growth	2.08%	1.91%	16.59%	24.83%	10.20%	-42.47%	90.68%	49.47%	35.91%	-6.22%
NOPAT Growth	2.50%	1.17%	23.32%	41.10%	6.19%	-42.35%	85.32%	57.58%	34.70%	-11.42%
Net Income Growth	2.50%	1.17%	23.32%	41.10%	6.19%	-42.35%	85.32%	57.58%	34.70%	-11.42%
EPS Growth	2.40%	1.41%	23.61%	42.70%	6.56%	-42.12%	88.09%	-15.84%	31.99%	-11.00%
Operating Cash Flow Growth	24.61%	31.49%	11.76%	5.49%	-35.27%	25.24%	80.95%	94.01%	-26.75%	43.49%
Free Cash Flow Firm Growth	143.11%	-127.42%	1,566.83%	-97.92%	-1,545.89%	629.12%	-83.24%	-3,091.40%	133.81%	-78.71%
Invested Capital Growth	-1.94%	5.51%	-17.70%	7.26%	15.33%	-30.92%	1.95%	263.63%	-17.07%	0.44%
Revenue Q/Q Growth	2.07%	2.42%	1.45%	3.42%	-0.65%	-0.72%	1.93%	18.57%	-2.56%	1.02%
EBITDA Q/Q Growth	0.31%	2.17%	0.70%	7.97%	0.35%	-5.71%	8.98%	21.71%	-7.29%	0.66%
EBIT Q/Q Growth	0.12%	2.15%	1.55%	9.58%	-1.83%	-12.85%	14.33%	27.29%	-7.78%	3.62%
NOPAT Q/Q Growth	0.29%	3.02%	5.03%	8.73%	-2.14%	-12.12%	14.25%	26.19%	-6.40%	-0.98%
Net Income Q/Q Growth	0.29%	3.02%	5.03%	8.73%	-2.14%	-12.12%	14.25%	26.19%	-6.40%	-0.98%
EPS Q/Q Growth	0.47%	3.35%	5.53%	8.55%	-2.17%	-11.65%	14.81%	10.06%	-8.91%	-1.35%
Operating Cash Flow Q/Q Growth	32.66%	29.26%	-12.90%	-26.78%	189.14%	14.18%	0.79%	3.96%	-16.08%	133.74%
Free Cash Flow Firm Q/Q Growth	249.92%	-174.46%	4.18%	-88.20%	-70.81%	1,212.42%	-71.42%	-17.59%	-0.83%	153.94%
Invested Capital Q/Q Growth	1.25%	5.08%	5.32%	10.15%	11.82%	-28.75%	-14.99%	6.67%	7.86%	-8.76%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	42.88%	40.41%	41.34%	44.68%	47.12%	34.37%	58.18%	36.27%	45.61%	41.47%
EBIT Margin	33.00%	30.87%	33.51%	37.14%	39.24%	23.79%	43.60%	32.24%	40.90%	39.26%
Profit (Net Income) Margin	22.69%	21.07%	24.19%	30.31%	30.85%	18.75%	33.39%	26.03%	32.73%	29.68%
Tax Burden Percent	68.76%	68.26%	72.20%	81.61%	78.64%	78.80%	76.59%	80.74%	80.02%	75.59%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	31.24%	31.74%	27.80%	18.39%	21.36%	21.20%	23.41%	19.26%	19.98%	24.41%
Return on Invested Capital (ROIC)	3.82%	3.80%	5.01%	7.55%	7.20%	4.58%	10.29%	6.93%	6.50%	6.34%
ROIC Less NNEP Spread (ROIC-NNEP)	3.82%	3.80%	5.01%	7.55%	7.20%	4.58%	10.29%	6.93%	6.50%	6.34%
Return on Net Nonoperating Assets (RNNOA)	4.82%	4.58%	4.76%	5.35%	5.36%	2.27%	1.97%	4.28%	3.86%	2.29%
Return on Equity (ROE)	8.64%	8.38%	9.77%	12.90%	12.56%	6.85%	12.25%	11.21%	10.36%	8.63%
Cash Return on Invested Capital (CROIC)	5.79%	-1.56%	24.43%	0.54%	-7.04%	41.15%	8.36%	-106.80%	25.17%	5.90%
Operating Return on Assets (OROA)	1.26%	1.20%	1.35%	1.63%	1.68%	0.89%	1.58%	1.50%	1.48%	1.32%
Return on Assets (ROA)	0.87%	0.82%	0.97%	1.33%	1.32%	0.70%	1.21%	1.21%	1.19%	1.00%
Return on Common Equity (ROCE)	8.14%	7.97%	9.27%	12.23%	11.96%	6.54%	11.72%	10.79%	10.01%	8.35%
Return on Equity Simple (ROE_SIMPLE)	8.48%	8.61%	9.99%	13.15%	11.93%	6.82%	11.89%	8.00%	9.99%	8.42%
Net Operating Profit after Tax (NOPAT)	205	207	255	360	383	221	409	644	868	769
NOPAT Margin	22.69%	21.07%	24.19%	30.31%	30.85%	18.75%	33.39%	26.03%	32.73%	29.68%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	49.12%	49.51%	49.62%	46.72%	46.29%	53.19%	49.02%	42.03%	37.93%	40.49%
Operating Expenses to Revenue	61.54%	63.40%	62.62%	59.33%	57.72%	64.50%	60.85%	56.42%	53.42%	52.17%
Earnings before Interest and Taxes (EBIT)	298	303	354	442	487	280	534	798	1,085	1,017
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	387	397	436	531	584	404	712	898	1,210	1,074
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.13	1.62	1.59	1.35	1.34	1.08	1.40	0.98	1.00	1.06
Price to Tangible Book Value (P/TBV)	1.51	2.12	2.04	1.70	1.64	1.32	1.68	1.50	1.51	1.67
Price to Revenue (P/Rev)	2.87	3.95	3.84	3.11	3.31	2.85	3.75	3.08	3.16	3.63
Price to Earnings (P/E)	13.25	19.57	16.43	10.50	10.97	15.74	11.46	12.11	9.86	12.50
Dividend Yield	3.15%	2.31%	2.34%	3.12%	3.43%	4.31%	3.15%	3.66%	3.28%	2.92%
Earnings Yield	7.55%	5.11%	6.09%	9.52%	9.12%	6.35%	8.73%	8.25%	10.15%	8.00%
Enterprise Value to Invested Capital (EV/IC)	0.99	1.23	1.27	1.13	1.14	1.00	1.21	0.93	0.86	0.87
Enterprise Value to Revenue (EV/Rev)	5.81	6.97	5.54	4.68	5.23	3.34	3.96	5.49	3.91	4.10
Enterprise Value to EBITDA (EV/EBITDA)	13.55	17.26	13.40	10.47	11.10	9.72	6.81	15.14	8.57	9.90
Enterprise Value to EBIT (EV/EBIT)	17.61	22.59	16.52	12.59	13.33	14.04	9.09	17.03	9.56	10.45
Enterprise Value to NOPAT (EV/NOPAT)	25.62	33.10	22.89	15.43	16.95	17.82	11.87	21.09	11.95	13.83
Enterprise Value to Operating Cash Flow (EV/OCF)	17.32	17.22	13.14	11.85	21.35	10.33	7.05	10.17	10.59	7.57
Enterprise Value to Free Cash Flow (EV/FCFF)	16.93	0.00	4.69	214.70	0.00	1.98	14.61	0.00	3.09	14.87
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.20	1.21	0.70	0.71	0.78	0.22	0.17	0.81	0.39	0.33
Long-Term Debt to Equity	1.20	1.21	0.70	0.71	0.78	0.22	0.17	0.81	0.39	0.33
Financial Leverage	1.26	1.21	0.95	0.71	0.75	0.50	0.19	0.62	0.59	0.36
Leverage Ratio	9.96	10.26	10.05	9.68	9.52	9.78	10.12	9.24	8.73	8.64
Compound Leverage Factor	9.96	10.26	10.05	9.68	9.52	9.78	10.12	9.24	8.73	8.64
Debt to Total Capital	54.48%	54.84%	41.32%	41.56%	43.69%	17.81%	14.30%	44.78%	28.17%	24.85%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	54.48%	54.84%	41.32%	41.56%	43.69%	17.81%	14.30%	44.78%	28.17%	24.85%
Preferred Equity to Total Capital	2.31%	0.00%	0.00%	0.00%	2.55%	3.69%	3.61%	1.95%	2.35%	2.34%
Noncontrolling Interests to Total Capital	0.00%	2.19%	3.15%	2.94%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	43.20%	42.97%	55.53%	55.50%	53.76%	78.51%	82.08%	53.27%	69.48%	72.82%
Debt to EBITDA	7.47	7.72	4.36	3.86	4.26	1.73	0.81	7.28	2.82	2.81
Net Debt to EBITDA	6.55	7.17	3.77	3.24	3.82	1.08	0.16	6.34	1.40	0.88
Long-Term Debt to EBITDA	7.47	7.72	4.36	3.86	4.26	1.73	0.81	7.28	2.82	2.81
Debt to NOPAT	14.11	14.81	7.45	5.70	6.50	3.18	1.40	10.14	3.93	3.93
Net Debt to NOPAT	12.38	13.75	6.44	4.78	5.83	1.98	0.27	8.84	1.95	1.23
Long-Term Debt to NOPAT	14.11	14.81	7.45	5.70	6.50	3.18	1.40	10.14	3.93	3.93
Noncontrolling Interest Sharing Ratio	5.79%	4.97%	5.12%	5.19%	4.76%	4.50%	4.35%	3.73%	3.39%	3.19%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	310	-85	1,246	26	-375	1,982	332	-9,933	3,359	715
Operating Cash Flow to CapEx	853.78%	1,016.17%	1,766.51%	1,449.19%	1,181.51%	1,864.16%	5,151.05%	4,693.81%	2,929.30%	4,829.92%
Free Cash Flow to Firm to Interest Expense	3.25	-0.82	10.62	0.17	-1.88	17.91	7.95	-39.66	2.60	0.45
Operating Cash Flow to Interest Expense	3.17	3.85	3.79	3.16	1.52	3.44	16.49	5.33	0.76	0.88
Operating Cash Flow Less CapEx to Interest Expense	2.80	3.47	3.58	2.94	1.39	3.25	16.17	5.22	0.73	0.87
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.04	0.03
Fixed Asset Turnover	7.18	7.37	7.90	9.33	6.28	4.73	5.68	7.80	6.17	6.19
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	5,303	5,595	4,605	4,939	5,697	3,935	4,012	14,590	12,099	12,153
Invested Capital Turnover	0.17	0.18	0.21	0.25	0.23	0.24	0.31	0.27	0.20	0.21
Increase / (Decrease) in Invested Capital	-105	292	-991	335	757	-1,761	77	10,578	-2,491	54
Enterprise Value (EV)	5,245	6,855	5,846	5,562	6,486	3,931	4,852	13,590	10,367	10,632
Market Capitalization	2,588	3,884	4,055	3,693	4,110	3,349	4,595	7,612	8,390	9,403
Book Value per Share	$24.99	$26.21	$27.77	$29.72	$33.28	$34.25	$36.35	$44.67	$48.86	$51.63
Tangible Book Value per Share	$18.69	$19.98	$21.60	$23.61	$27.19	$28.04	$30.21	$29.07	$32.39	$32.94
Total Capital	5,303	5,595	4,605	4,939	5,697	3,935	4,012	14,590	12,099	12,153
Total Debt	2,889	3,068	1,903	2,053	2,489	701	574	6,534	3,409	3,019
Total Long-Term Debt	2,889	3,068	1,903	2,053	2,489	701	574	6,534	3,409	3,019
Net Debt	2,534	2,848	1,646	1,723	2,231	438	112	5,694	1,693	945
Capital Expenditures (CapEx)	35	39	25	32	26	20	13	28	33	29
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	2,889	3,068	1,903	2,053	2,489	701	574	6,534	3,409	3,019
Total Depreciation and Amortization (D&A)	89	94	83	90	98	124	178	100	125	57
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$2.17	$2.17	$2.68	$3.83	$4.07	$2.35	$4.43	$3.72	$4.91	$4.38
Adjusted Weighted Average Basic Shares Outstanding	91.42M	92.02M	92.11M	92.29M	91.63M	90.29M	179.59M	174.01M	171.75M	171.35M
Adjusted Diluted Earnings per Share	$2.15	$2.16	$2.67	$3.81	$4.06	$2.35	$4.42	$3.72	$4.91	$4.37
Adjusted Weighted Average Diluted Shares Outstanding	91.42M	92.02M	92.11M	92.29M	91.63M	90.29M	179.59M	174.01M	171.75M	171.35M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	91.42M	92.02M	92.11M	92.29M	91.63M	90.29M	179.59M	174.01M	171.75M	171.35M
Normalized Net Operating Profit after Tax (NOPAT)	205	207	255	360	383	221	409	644	868	769
Normalized NOPAT Margin	22.69%	21.07%	24.19%	30.31%	30.85%	18.75%	33.39%	26.03%	32.73%	29.68%
Pre Tax Income Margin	33.00%	30.87%	33.51%	37.14%	39.24%	23.79%	43.60%	32.24%	40.90%	39.26%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	3.12	2.93	3.02	2.97	2.44	2.53	12.79	3.19	0.84	0.64
NOPAT to Interest Expense	2.15	2.00	2.18	2.43	1.92	1.99	9.79	2.57	0.67	0.48
EBIT Less CapEx to Interest Expense	2.75	2.56	2.80	2.76	2.31	2.35	12.47	3.07	0.81	0.62
NOPAT Less CapEx to Interest Expense	1.77	1.62	1.96	2.21	1.79	1.81	9.47	2.46	0.65	0.47
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	43.80%	47.13%	40.22%	34.08%	38.84%	69.28%	37.34%	40.59%	33.97%	37.88%
Augmented Payout Ratio	52.51%	58.25%	44.75%	37.45%	43.97%	103.98%	37.34%	94.25%	48.29%	48.63%

This table displays calculated financial ratios and metrics derived from Webster Financial's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	112.03%	122.31%	33.67%	10.80%	1.94%	-9.90%	0.16%	-8.71%	-4.41%	4.12%
EBITDA Growth	87.68%	87.23%	864.46%	19.36%	-4.29%	-27.43%	-3.53%	-23.83%	-17.57%	3.25%
EBIT Growth	137.52%	120.43%	669.71%	25.51%	-6.58%	-29.23%	-0.41%	-22.86%	-12.13%	16.01%
NOPAT Growth	144.45%	120.42%	727.09%	28.88%	-3.20%	-24.25%	-2.12%	-22.70%	-14.79%	-4.11%
Net Income Growth	144.45%	120.42%	1,419.66%	28.88%	-3.20%	-24.25%	-2.12%	-22.70%	-14.79%	-4.11%
EPS Growth	27.18%	28.10%	985.71%	32.00%	-2.29%	-30.97%	-0.81%	-21.97%	-14.06%	-5.61%
Operating Cash Flow Growth	179.49%	22.66%	-0.45%	-41.12%	1.26%	-68.10%	13.71%	-10.18%	-89.39%	914.99%
Free Cash Flow Firm Growth	-1,069.53%	-30,280.40%	-53.94%	96.26%	130.79%	125.90%	157.92%	502.51%	-171.06%	-95.36%
Invested Capital Growth	189.81%	263.63%	86.33%	4.18%	-17.99%	-17.07%	-24.95%	-8.03%	18.74%	0.44%
Revenue Q/Q Growth	9.39%	6.01%	-5.47%	1.07%	0.64%	-6.30%	5.08%	-7.87%	5.37%	2.06%
EBITDA Q/Q Growth	18.73%	6.17%	-5.79%	0.25%	-4.80%	-19.49%	25.55%	-20.84%	3.02%	0.83%
EBIT Q/Q Growth	25.69%	5.08%	-8.41%	3.76%	-6.44%	-20.41%	28.90%	-19.64%	6.57%	5.08%
NOPAT Q/Q Growth	28.33%	4.61%	-9.70%	6.32%	-3.61%	-18.14%	16.68%	-16.04%	6.25%	-7.89%
Net Income Q/Q Growth	28.33%	4.61%	-9.70%	6.32%	-3.61%	-18.14%	16.68%	-16.04%	6.25%	-7.89%
EPS Q/Q Growth	31.00%	18.32%	-20.00%	6.45%	-3.03%	-16.41%	14.95%	-16.26%	6.80%	-8.18%
Operating Cash Flow Q/Q Growth	-0.40%	-34.74%	-22.16%	16.37%	71.30%	-79.44%	177.49%	-8.08%	-79.77%	1,867.06%
Free Cash Flow Firm Q/Q Growth	-1.37%	-18.44%	20.39%	96.09%	934.22%	-0.37%	114.82%	-72.80%	-247.28%	106.50%
Invested Capital Q/Q Growth	2.61%	6.67%	24.97%	-23.84%	-19.22%	7.86%	8.97%	-6.67%	4.29%	-8.76%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	48.71%	48.79%	48.75%	48.35%	45.74%	39.30%	46.95%	40.34%	39.44%	38.97%
EBIT Margin	44.84%	44.45%	43.06%	44.21%	41.10%	34.91%	42.82%	37.35%	37.78%	38.90%
Profit (Net Income) Margin	35.20%	34.74%	33.18%	34.90%	33.43%	29.20%	32.43%	29.55%	29.80%	26.89%
Tax Burden Percent	78.50%	78.15%	77.05%	78.95%	81.34%	83.66%	75.73%	79.12%	78.88%	69.14%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	21.50%	21.85%	22.95%	21.05%	18.66%	16.34%	24.27%	20.88%	21.12%	30.86%
Return on Invested Capital (ROIC)	7.99%	9.24%	6.26%	6.95%	7.31%	5.80%	5.39%	5.75%	6.23%	5.75%
ROIC Less NNEP Spread (ROIC-NNEP)	7.99%	9.24%	6.26%	6.95%	7.31%	5.80%	5.39%	5.75%	6.23%	5.75%
Return on Net Nonoperating Assets (RNNOA)	5.12%	5.72%	4.39%	4.67%	4.04%	3.45%	4.70%	3.22%	2.56%	2.07%
Return on Equity (ROE)	13.11%	14.96%	10.65%	11.62%	11.35%	9.25%	10.10%	8.97%	8.78%	7.82%
Cash Return on Invested Capital (CROIC)	-91.83%	-106.80%	-54.00%	2.78%	27.21%	25.17%	33.91%	14.44%	-10.81%	5.90%
Operating Return on Assets (OROA)	1.79%	2.07%	1.63%	1.69%	1.57%	1.27%	1.50%	1.28%	1.27%	1.31%
Return on Assets (ROA)	1.41%	1.62%	1.25%	1.33%	1.28%	1.06%	1.14%	1.02%	1.00%	0.90%
Return on Common Equity (ROCE)	12.61%	14.40%	10.28%	11.21%	10.95%	8.93%	9.76%	8.67%	8.50%	7.57%
Return on Equity Simple (ROE_SIMPLE)	6.52%	0.00%	10.63%	11.29%	11.31%	0.00%	9.87%	9.19%	8.44%	0.00%
Net Operating Profit after Tax (NOPAT)	234	245	221	235	226	185	216	182	193	178
NOPAT Margin	35.20%	34.74%	33.18%	34.90%	33.43%	29.20%	32.43%	29.55%	29.80%	26.89%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	37.12%	35.19%	36.22%	37.22%	38.23%	40.18%	38.69%	40.90%	42.39%	40.05%
Operating Expenses to Revenue	49.66%	49.45%	49.92%	51.11%	53.52%	59.42%	50.36%	53.05%	53.88%	51.50%
Earnings before Interest and Taxes (EBIT)	298	313	287	298	278	222	286	230	245	257
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	324	344	325	325	310	249	313	248	255	258
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.98	0.98	0.81	0.79	0.84	1.00	1.01	0.87	0.89	1.06
Price to Tangible Book Value (P/TBV)	1.53	1.50	1.26	1.23	1.32	1.51	1.65	1.40	1.39	1.67
Price to Revenue (P/Rev)	3.54	3.08	2.45	2.33	2.46	3.16	3.24	2.86	3.09	3.63
Price to Earnings (P/E)	14.88	12.11	7.49	6.87	7.34	9.86	10.14	9.35	10.44	12.50
Dividend Yield	3.80%	3.66%	4.30%	4.43%	4.15%	3.28%	3.21%	3.70%	3.46%	2.92%
Earnings Yield	6.72%	8.25%	13.36%	14.55%	13.62%	10.15%	9.86%	10.70%	9.58%	8.00%
Enterprise Value to Invested Capital (EV/IC)	0.94	0.93	0.78	0.78	0.70	0.86	0.90	0.79	0.69	0.87
Enterprise Value to Revenue (EV/Rev)	6.19	5.49	5.40	4.00	2.87	3.91	4.62	3.90	3.56	4.10
Enterprise Value to EBITDA (EV/EBITDA)	17.51	15.14	11.27	8.22	5.99	8.57	10.23	9.03	8.56	9.90
Enterprise Value to EBIT (EV/EBIT)	20.60	17.03	12.57	9.06	6.64	9.56	11.32	9.97	9.31	10.45
Enterprise Value to NOPAT (EV/NOPAT)	25.30	21.09	16.17	11.59	8.43	11.95	14.20	12.50	11.77	13.83
Enterprise Value to Operating Cash Flow (EV/OCF)	10.05	10.17	10.69	9.34	6.70	10.59	12.16	10.30	15.21	7.57
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	28.69	2.31	3.09	2.27	5.26	0.00	14.87
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.75	0.81	1.20	0.68	0.37	0.39	0.56	0.45	0.45	0.33
Long-Term Debt to Equity	0.59	0.81	1.16	0.65	0.35	0.39	0.52	0.42	0.44	0.33
Financial Leverage	0.64	0.62	0.70	0.67	0.55	0.59	0.87	0.56	0.41	0.36
Leverage Ratio	9.31	9.24	8.50	8.70	8.87	8.73	8.86	8.83	8.77	8.64
Compound Leverage Factor	9.31	9.24	8.50	8.70	8.87	8.73	8.86	8.83	8.77	8.64
Debt to Total Capital	42.78%	44.78%	54.51%	40.37%	26.91%	28.17%	36.07%	31.02%	30.94%	24.85%
Short-Term Debt to Total Capital	9.25%	0.00%	1.68%	1.75%	1.40%	0.00%	2.64%	1.88%	0.75%	0.00%
Long-Term Debt to Total Capital	33.53%	44.78%	52.83%	38.62%	25.50%	28.17%	33.43%	29.15%	30.19%	24.85%
Preferred Equity to Total Capital	2.08%	1.95%	1.56%	2.05%	2.53%	2.35%	2.08%	2.22%	2.13%	2.34%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	55.15%	53.27%	43.93%	57.58%	70.56%	69.48%	61.85%	66.75%	66.93%	72.82%
Debt to EBITDA	7.93	7.28	7.85	4.25	2.31	2.82	4.12	3.53	3.86	2.81
Net Debt to EBITDA	7.10	6.34	5.93	3.22	0.65	1.40	2.83	2.16	0.87	0.88
Long-Term Debt to EBITDA	6.22	7.28	7.61	4.07	2.19	2.82	3.81	3.32	3.77	2.81
Debt to NOPAT	11.46	10.14	11.27	6.00	3.26	3.93	5.72	4.89	5.31	3.93
Net Debt to NOPAT	10.26	8.84	8.51	4.54	0.91	1.95	3.93	3.00	1.19	1.23
Long-Term Debt to NOPAT	8.98	10.14	10.92	5.74	3.09	3.93	5.30	4.60	5.18	3.93
Noncontrolling Interest Sharing Ratio	3.83%	3.73%	3.45%	3.49%	3.54%	3.39%	3.33%	3.32%	3.26%	3.19%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-8,724	-10,333	-8,226	-322	2,686	2,676	4,765	1,296	-1,909	124
Operating Cash Flow to CapEx	4,887.73%	2,689.40%	2,081.94%	2,661.91%	2,983.25%	1,388.82%	4,818.69%	2,658.33%	452.13%	7,223.57%
Free Cash Flow to Firm to Interest Expense	-131.06	-73.17	-34.91	-0.92	7.82	7.39	12.40	3.21	-4.61	0.32
Operating Cash Flow to Interest Expense	6.34	1.95	0.91	0.71	1.24	0.24	0.63	0.55	0.11	2.31
Operating Cash Flow Less CapEx to Interest Expense	6.21	1.88	0.87	0.69	1.20	0.23	0.62	0.53	0.09	2.27
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.05	0.04	0.04	0.04	0.04	0.04	0.03	0.03	0.03
Fixed Asset Turnover	6.48	7.80	5.74	6.18	6.28	6.17	6.21	6.15	6.09	6.19
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	13,677	14,590	18,232	13,886	11,217	12,099	13,684	12,771	13,319	12,153
Invested Capital Turnover	0.23	0.27	0.19	0.20	0.22	0.20	0.17	0.19	0.21	0.21
Increase / (Decrease) in Invested Capital	8,958	10,578	8,447	557	-2,460	-2,491	-4,548	-1,115	2,102	54
Enterprise Value (EV)	12,916	13,590	14,266	10,837	7,813	10,367	12,261	10,125	9,136	10,632
Market Capitalization	7,394	7,612	6,478	6,308	6,683	8,390	8,586	7,414	7,928	9,403
Book Value per Share	$42.90	$44.67	$46.03	$45.76	$45.69	$48.86	$49.35	$49.71	$52.00	$51.63
Tangible Book Value per Share	$27.42	$29.07	$29.59	$29.44	$29.27	$32.39	$30.40	$30.81	$33.26	$32.94
Total Capital	13,677	14,590	18,232	13,886	11,217	12,099	13,684	12,771	13,319	12,153
Total Debt	5,851	6,534	9,938	5,606	3,018	3,409	4,936	3,962	4,121	3,019
Total Long-Term Debt	4,586	6,534	9,632	5,363	2,861	3,409	4,574	3,723	4,021	3,019
Net Debt	5,238	5,694	7,504	4,245	846	1,693	3,391	2,426	924	945
Capital Expenditures (CapEx)	8.63	10	10	9.37	14	6.32	5.06	8.43	10	12
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	5,851	6,534	9,938	5,606	3,018	3,409	4,936	3,962	4,121	3,019
Total Depreciation and Amortization (D&A)	26	31	38	28	31	28	28	18	11	0.47
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.31	$1.55	$1.24	$1.32	$1.29	$1.06	$1.23	$1.03	$1.10	$1.02
Adjusted Weighted Average Basic Shares Outstanding	174.01M	174.01M	174.74M	173.25M	172.04M	171.75M	171.49M	171.43M	171.41M	171.35M
Adjusted Diluted Earnings per Share	$1.31	$1.55	$1.24	$1.32	$1.28	$1.07	$1.23	$1.03	$1.10	$1.01
Adjusted Weighted Average Diluted Shares Outstanding	174.01M	174.01M	174.74M	173.25M	172.04M	171.75M	171.49M	171.43M	171.41M	171.35M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	174.01M	174.01M	174.74M	173.25M	172.04M	171.75M	171.49M	171.43M	171.41M	171.35M
Normalized Net Operating Profit after Tax (NOPAT)	234	245	221	235	226	185	216	182	193	178
Normalized NOPAT Margin	35.20%	34.74%	33.18%	34.90%	33.43%	29.20%	32.43%	29.55%	29.80%	26.89%
Pre Tax Income Margin	44.84%	44.45%	43.06%	44.21%	41.10%	34.91%	42.82%	37.35%	37.78%	38.90%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	4.48	2.22	1.22	0.85	0.81	0.61	0.74	0.57	0.59	0.67
NOPAT to Interest Expense	3.51	1.73	0.94	0.67	0.66	0.51	0.56	0.45	0.47	0.46
EBIT Less CapEx to Interest Expense	4.35	2.15	1.17	0.82	0.77	0.59	0.73	0.55	0.57	0.63
NOPAT Less CapEx to Interest Expense	3.39	1.66	0.89	0.65	0.62	0.49	0.55	0.43	0.44	0.43
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	44.25%	40.59%	33.74%	31.77%	31.88%	33.97%	33.98%	36.11%	37.64%	37.88%
Augmented Payout Ratio	105.94%	94.25%	56.40%	48.07%	45.53%	48.29%	50.74%	50.47%	48.30%	48.63%

Key Financial Trends

Webster Financial Corp (NYSE: WBS) has shown steady financial performance over the past four years, with data available from Q3 2022 through Q4 2024. Here are the key takeaways and trends for retail investors:

Consistent Net Interest Income: Net interest income has remained robust, growing from approximately $551 million in Q3 2022 to about $608 million in Q4 2024, indicating strong core banking operations.
Stable Earnings Growth: Net income attributable to common shareholders increased from around $186 million in Q4 2023 to approximately $174 million in Q4 2024, fluctuating but maintaining solid profitability.
Dividends Maintained: The company consistently paid a dividend of $0.40 per share quarterly over the periods analyzed, highlighting stable shareholder returns.
Loan Growth and Quality: Loans and leases net of allowance increased moderately from about $47.2 billion in Q3 2022 to over $51.2 billion in Q4 2024, with provisions for credit losses rising but remaining manageable over time.
Cash Flow from Operations: Operating cash flow remained positive and strong, with $891 million generated in Q4 2024, reflecting good operational cash generation.

Volatility in Non-Interest Income: Non-interest income has shown variability, including negative realized and unrealized capital gains in multiple quarters (e.g., -$56.9 million in Q4 2024), which may affect total revenue unpredictably.
Fluctuations in Interest Expense: Interest expenses, particularly on deposits and long-term debt, have varied with the changing interest rate environment, affecting net interest margins.
Changes in Deposits: Deposit levels showed some volatility, with occasional decreases (e.g., -$49.8 million in Q4 2024 cash flows) but generally remain a strong funding source.

Increasing Operating Expenses: Total non-interest expenses increased to $340 million in Q4 2024 from prior quarters, driven by higher salaries, occupancy, insurance claims, and other operating costs, which could pressure margins.
Negative Net Change in Cash & Equivalents in Q4 2024: The company’s cash and equivalents decreased by about $1.12 billion in Q4 2024, largely due to investing and financing activities outpacing operating cash inflows, which may impact liquidity if sustained.

Summary: Webster Financial demonstrates stable core bank earnings and solid loan growth with effective credit loss management, suggesting fundamental strength. However, investors should watch operating expense trends and cash flow variations, as well as the impact of investment gains and losses on profitability. Maintaining dividend payments reflects confidence in ongoing earnings capacity.

09/13/25 07:13 AM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Webster Financial's Financials

When does Webster Financial's financial year end?

According to the most recent income statement we have on file, Webster Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Webster Financial's net income changed over the last 9 years?

Webster Financial's net income appears to be on an upward trend, with a most recent value of $768.71 million in 2024, rising from $204.73 million in 2015. The previous period was $867.84 million in 2023. Check out Webster Financial's forecast to explore projected trends and price targets.

How has Webster Financial's revenue changed over the last 9 years?

Over the last 9 years, Webster Financial's total revenue changed from $902.40 million in 2015 to $2.59 billion in 2024, a change of 187.0%.

How much debt does Webster Financial have?

Webster Financial's total liabilities were at $69.89 billion at the end of 2024, a 5.5% increase from 2023, and a 214.4% increase since 2015.

How much cash does Webster Financial have?

In the past 9 years, Webster Financial's cash and equivalents has ranged from $137.39 million in 2021 to $429.32 million in 2023, and is currently $388.06 million as of their latest financial filing in 2024.

How has Webster Financial's book value per share changed over the last 9 years?

Over the last 9 years, Webster Financial's book value per share changed from 24.99 in 2015 to 51.63 in 2024, a change of 106.6%.

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This page (NYSE:WBS) was last updated on 9/13/2025 by MarketBeat.com Staff

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Webster Financial (WBS) Financials

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Webster Financial (WBS) Financials

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