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Webster Financial (WBS) Financials

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$72.55 +0.28 (+0.39%)
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Annual Income Statements for Webster Financial

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 2025
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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 195 198 247 352 375 213 401 628 843 744 975
Consolidated Net Income / (Loss)		 205 207 255 360 383 221 409 644 868 769 1,003
Net Income / (Loss) Continuing Operations		 205 207 255 360 383 221 409 644 868 769 1,003
Total Pre-Tax Income 		298 303 354 442 487 280 534 798 1,085 1,017 1,260
Total Revenue		 902 983 1,056 1,189 1,240 1,177 1,224 2,475 2,652 2,590 2,899
Net Interest Income / (Expense)		 665 719 796 907 955 891 901 2,034 2,337 2,338 2,498
Total Interest Income		 760 822 914 1,055 1,155 1,002 943 2,285 3,628 3,927 4,022
Loans and Leases Interest Income		 554 622 710 843 925 790 763 1,947 3,072 3,196 3,123
Investment Securities Interest Income		 206 199 204 212 229 212 177 320 451 675 794
Other Interest Income		 - - - - - - 3.10 18 105 56 105
Total Interest Expense		 95 103 117 148 199 111 42 250 1,291 1,589 1,524
Deposits Interest Expense		 46 50 62 90 130 68 20 139 1,021 1,427 1,366
Long-Term Debt Interest Expense		 33 39 41 45 52 37 19 93 260 158 155
Federal Funds Purchased and Securities Sold Interest Expense		 17 15 14 13 18 5.94 3.04 19 9.10 4.11 3.30
Total Non-Interest Income		 238 264 259 283 285 285 323 441 314 252 402
Service Charges on Deposit Accounts		 - - 151 162 - 156 163 198 169 161 158
Other Service Charges		 184 206 53 69 232 63 100 180 123 166 179
Net Realized & Unrealized Capital Gains on Investments		 8.29 15 9.81 4.42 6.14 18 6.22 -6.75 -34 -136 0.22
Investment Banking Income		 32 29 31 33 33 33 40 40 29 33 31
Other Non-Interest Income		 13 15 15 15 15 15 14 29 26 28 33
Provision for Credit Losses		 49 56 41 42 38 138 -55 281 151 222 210
Total Non-Interest Expense		 555 623 661 706 716 759 745 1,396 1,416 1,351 1,429
Salaries and Employee Benefits		 298 326 357 381 395 428 420 724 712 763 822
Net Occupancy & Equipment Expense		 130 141 150 157 162 183 168 300 275 267 268
Marketing Expense		 16 20 17 17 16 14 12 16 19 19 21
Property & Liability Insurance Claims		 24 26 26 35 18 18 16 27 98 69 51
Other Operating Expenses		 82 105 107 111 120 111 125 298 276 198 231
Amortization Expense		 6.34 5.65 4.06 3.85 3.85 4.16 4.51 32 36 36 36
Income Tax Expense		 93 96 98 81 104 59 125 154 217 248 257
Preferred Stock Dividends Declared		 9.37 8.70 8.61 8.72 7.88 7.88 7.88 16 17 17 17
Net Income / (Loss) Attributable to Noncontrolling Interest		 - - - - - - - - 7.92 7.98 11
Basic Earnings per Share		 $2.15 $2.17 $2.68 $3.83 $4.07 $2.35 $4.43 $3.72 $4.91 $4.38 $5.91
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 161.23M
Diluted Earnings per Share		 $2.13 $2.16 $2.67 $3.81 $4.06 $2.35 $4.42 $3.72 $4.91 $4.37 $5.90
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 161.23M
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 161.23M
Cash Dividends to Common per Share		 $0.89 $0.98 $1.03 $1.25 - - - $1.60 $1.60 $1.60 $1.60

Quarterly Income Statements for Webster Financial

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 222 181 210 175 187 174 220 252 254 249 239
Consolidated Net Income / (Loss)		 226 185 216 182 193 178 227 259 261 256 246
Net Income / (Loss) Continuing Operations		 226 185 216 182 193 178 227 259 261 256 246
Total Pre-Tax Income 		278 222 286 230 245 257 284 324 332 321 303
Total Revenue		 678 635 667 615 648 661 705 716 733 746 736
Net Interest Income / (Expense)		 587 571 568 572 590 608 612 621 632 633 634
Total Interest Income		 931 933 952 976 1,004 995 973 1,001 1,028 1,019 994
Loans and Leases Interest Income		 794 790 792 804 815 786 755 775 799 794 777
Investment Securities Interest Income		 113 129 148 161 177 190 194 198 201 200 193
Other Interest Income		 24 15 12 12 13 19 24 28 28 25 25
Total Interest Expense		 344 362 384 404 414 387 361 379 397 386 360
Deposits Interest Expense		 294 326 336 361 371 359 326 340 356 344 317
Long-Term Debt Interest Expense		 50 35 46 42 43 27 33 39 41 41 42
Federal Funds Purchased and Securities Sold Interest Expense		 0.05 1.16 2.11 1.11 0.04 0.85 1.68 0.22 0.63 0.77 1.06
Total Non-Interest Income		 90 64 99 42 58 53 93 95 101 113 101
Service Charges on Deposit Accounts		 41 37 43 41 39 39 39 41 40 38 42
Other Service Charges		 36 29 53 36 22 55 38 37 46 59 44
Net Realized & Unrealized Capital Gains on Investments		 0.00 -17 -9.83 -50 -20 -57 0.22 0.00 0.00 - 0.00
Investment Banking Income		 7.25 7.77 7.92 8.56 8.37 8.39 7.79 7.78 7.64 7.78 7.21
Other Non-Interest Income		 6.62 6.59 5.95 6.36 8.02 7.39 7.99 9.17 7.54 8.52 8.64
Provision for Credit Losses		 37 36 46 59 54 64 78 47 44 42 54
Total Non-Interest Expense		 363 377 336 326 349 340 344 346 357 383 379
Salaries and Employee Benefits		 180 185 189 187 195 193 199 200 209 214 223
Net Occupancy & Equipment Expense		 74 65 65 60 76 66 67 65 67 69 69
Marketing Expense		 4.81 5.18 4.28 4.11 4.22 6.14 4.03 5.17 4.95 6.83 4.70
Property & Liability Insurance Claims		 13 59 24 15 14 16 16 15 16 3.98 16
Other Operating Expenses		 81 55 44 51 52 50 48 51 52 80 57
Amortization Expense		 8.90 8.62 9.19 8.72 8.49 9.68 9.24 9.09 8.97 9.01 9.19
Income Tax Expense		 52 36 69 48 52 79 57 65 71 65 57
Preferred Stock Dividends Declared		 4.16 4.16 4.16 4.16 4.16 4.16 4.16 4.16 4.16 4.16 4.16
Net Income / (Loss) Attributable to Noncontrolling Interest		 - - 2.10 1.98 2.02 - 2.39 2.99 3.00 2.91 2.79
Basic Earnings per Share		 $1.29 $1.06 $1.23 $1.03 $1.10 $1.02 $1.30 $1.52 $1.55 $1.54 $1.50
Weighted Average Basic Shares Outstanding		 172.04M 171.75M 171.49M 171.43M 171.41M 171.35M 168.23M 166.19M 161.29M 161.23M 162.03M
Diluted Earnings per Share		 $1.28 $1.07 $1.23 $1.03 $1.10 $1.01 $1.30 $1.52 $1.54 $1.54 $1.50
Weighted Average Diluted Shares Outstanding		 172.04M 171.75M 171.49M 171.43M 171.41M 171.35M 168.23M 166.19M 161.29M 161.23M 162.03M
Weighted Average Basic & Diluted Shares Outstanding		 172.04M 171.75M 171.49M 171.43M 171.41M 171.35M 168.23M 166.19M 161.29M 161.23M 162.03M
Cash Dividends to Common per Share		 $0.40 - $0.40 $0.40 $0.40 - $0.40 $0.40 $0.40 - $0.40

Annual Cash Flow Statements for Webster Financial

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 2025
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 12/31/2025
Net Change in Cash & Equivalents		 -14 -9.03 37 73 -72 5.21 198 378 876 359 375
Net Cash From Operating Activities		 303 398 445 469 304 381 689 1,336 979 1,404 1,058
Net Cash From Continuing Operating Activities		 303 398 445 469 304 381 689 1,336 979 1,404 1,058
Net Income / (Loss) Continuing Operations		 205 207 255 360 383 221 409 644 868 769 1,003
Consolidated Net Income / (Loss)		 205 207 255 360 383 221 409 644 868 769 1,003
Provision For Loan Losses		 49 56 41 - 38 138 -55 281 151 222 210
Depreciation Expense		 35 36 37 39 38 37 36 82 76 72 73
Amortization Expense		 55 57 45 51 60 88 143 18 49 -14 -50
Non-Cash Adjustments to Reconcile Net Income		 -23 -22 23 43 -34 -15 -9.35 30 6.90 174 60
Changes in Operating Assets and Liabilities, net		 -18 63 43 -24 -180 -87 165 281 -172 182 -237
Net Cash From Investing Activities		 -774 -1,635 -531 -1,318 -2,550 -2,289 -2,405 -7,186 -2,596 -3,869 -4,748
Net Cash From Continuing Investing Activities		 -774 -1,635 -531 -1,318 -2,550 -2,289 -2,405 -7,186 -2,596 -3,869 -4,748
Purchase of Property, Leasehold Improvements and Equipment		 -36 -41 -29 -33 -26 -21 -17 -29 -40 -36 -50
Acquisitions		 - - - - - - - - 0.00 0.00 -6.43
Purchase of Investment Securities		 -3,551 -3,494 -2,253 -2,365 -3,769 -3,911 -4,705 -10,029 -5,075 -7,824 -6,683
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 4.34
Sale and/or Maturity of Investments		 1,416 1,772 1,739 1,080 1,245 1,643 2,313 2,871 2,513 3,983 1,987
Net Cash From Financing Activities		 457 1,228 123 921 2,174 1,913 1,915 6,229 2,493 2,824 4,065
Net Cash From Continuing Financing Activities		 457 1,228 123 921 2,174 1,913 1,915 6,229 2,493 2,824 4,065
Net Change in Deposits		 854 1,352 1,690 980 1,465 4,006 2,511 936 6,721 3,698 4,006
Issuance of Debt		 13,505 19,635 12,255 8,960 9,500 3,850 -122 2.55 -3,101 0.00 347
Repayment of Debt		 -13,700 -19,451 -13,421 -8,810 -9,082 -5,665 0.00 5,450 -17 -382 370
Repurchase of Common Equity		 -18 -23 -12 -12 -20 -77 0.00 -346 -108 -83 -616
Payment of Dividends		 -90 -98 -103 -123 -149 -153 -153 -261 -295 -291 -283
Other Financing Activities, Net		 -94 -187 -310 -73 459 -48 -321 448 -708 -118 241

Quarterly Cash Flow Statements for Webster Financial

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 812 -457 -171 -9.58 1,662 -1,123 438 482 69 -613 411
Net Cash From Operating Activities		 427 88 244 224 45 891 95 271 375 318 289
Net Cash From Continuing Operating Activities		 427 88 244 202 45 891 95 271 375 318 289
Net Income / (Loss) Continuing Operations		 226 185 216 182 193 178 227 259 261 256 246
Consolidated Net Income / (Loss)		 226 185 216 182 193 178 227 259 261 256 246
Provision For Loan Losses		 37 36 46 59 54 64 78 47 44 42 54
Depreciation Expense		 18 18 19 17 16 19 18 18 18 19 20
Amortization Expense		 13 10 8.52 0.88 -5.35 -18 -9.07 -4.74 -19 -17 4.61
Non-Cash Adjustments to Reconcile Net Income		 -18 29 13 -8.22 18 80 36 -6.97 11 27 40
Changes in Operating Assets and Liabilities, net		 151 -190 -58 -49 -231 570 -255 -41 59 -8.75 -76
Net Cash From Investing Activities		 1,511 -1,775 -1,348 -669 -716 -1,136 -738 -1,088 -1,261 -1,660 -1,360
Net Cash From Continuing Investing Activities		 1,511 -1,775 -1,348 -669 -716 -1,136 -738 -1,088 -1,261 -1,660 -1,360
Purchase of Property, Leasehold Improvements and Equipment		 -14 -6.32 -5.06 -8.43 -10 -12 -8.31 -13 -12 -16 -10
Purchase of Investment Securities		 1,169 -2,482 -2,029 -1,950 -1,806 -2,038 -1,236 -1,393 -1,835 -2,219 -1,732
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - 1.43 - - - 1.32
Sale and/or Maturity of Investments		 357 706 687 1,289 1,100 907 504 317 587 577 381
Net Cash From Financing Activities		 -1,126 1,231 933 435 2,333 -878 1,081 1,299 955 729 1,482
Net Cash From Continuing Financing Activities		 -1,126 1,231 933 435 2,333 -878 1,081 1,299 955 729 1,482
Net Change in Deposits		 1,584 453 -27 1,529 2,245 -50 818 742 1,861 586 278
Issuance of Debt		 -2,500 3,650 1,300 -850 300 -750 800 430 -432 -451 1,830
Repurchase of Common Equity		 -50 -0.51 -34 -45 -17 -0.35 -203 -101 -108 -227 0.00
Payment of Dividends		 -73 -73 -73 -73 -73 -72 -73 -71 -71 -69 -69
Other Financing Activities, Net		 -86 301 -101 -125 -123 244 -261 300 -294 518 -557

Annual Balance Sheets for Webster Financial

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 2025
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 12/31/2025
Total Assets		 24,641 26,073 26,488 27,610 30,389 32,591 34,916 71,278 74,945 79,025 84,074
Cash and Due from Banks		 200 191 231 260 185 194 137 264 429 388 371
Interest Bearing Deposits at Other Banks		 156 29 26 69 73 70 324 576 1,286 1,686 2,079
Trading Account Securities		 6,908 7,152 7,125 7,224 8,220 8,895 6,198 7,893 8,960 9,007 10,010
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 55,878
Loans and Leases		 15,672 17,027 17,524 18,465 20,037 21,641 22,272 49,764 50,726 52,505 56,597
Allowance for Loan and Lease Losses		 175 194 200 212 209 359 301 595 636 690 719
Loans Held for Sale		 37 68 21 12 36 14 21,975 1.99 6.54 28 15
Premises and Equipment, Net		 129 137 130 125 270 227 205 430 430 407 432
Goodwill		 538 538 538 538 538 538 538 2,514 2,631 2,868 2,898
Intangible Assets		 39 34 30 26 22 22 18 199 203 334 313
Other Assets		 1,137 1,091 1,063 1,103 1,217 1,350 5,520 10,230 10,909 12,491 12,079
Total Liabilities & Shareholders' Equity		 24,641 26,073 26,488 27,610 30,389 32,591 34,916 71,278 74,945 79,025 84,074
Total Liabilities		 22,227 23,546 23,786 24,724 27,182 29,356 31,477 63,221 66,255 69,892 74,581
Non-Interest Bearing Deposits		 3,713 4,021 4,191 4,162 4,446 6,156 7,060 12,975 10,733 10,317 10,083
Interest Bearing Deposits		 14,240 15,283 16,802 17,696 18,878 21,180 22,787 41,079 50,052 54,437 58,677
Short-Term Debt		 - - - - - - - - - - 597
Long-Term Debt		 2,889 3,068 1,903 2,053 2,489 701 574 6,534 3,409 3,019 3,720
Other Long-Term Liabilities		 234 224 246 230 328 324 381 1,481 1,604 1,775 1,505
Total Equity & Noncontrolling Interests		 2,414 2,527 2,702 2,887 3,208 3,235 3,438 8,056 8,690 9,133 9,492
Total Preferred & Common Equity		 2,414 2,404 2,557 2,887 3,208 3,235 3,438 8,056 8,690 9,133 9,492
Preferred Stock		 123 - - 145 145 145 145 284 284 284 284
Total Common Equity		 2,291 2,404 2,557 2,741 3,063 3,090 3,293 7,772 8,406 8,849 9,208
Common Stock		 1,125 1,127 1,123 1,115 1,114 1,110 1,110 6,175 6,182 6,183 6,185
Retained Earnings		 1,316 1,425 1,596 1,828 2,061 2,078 2,333 2,714 3,283 3,759 4,478
Treasury Stock		 -72 -71 -70 -72 -77 -141 -127 -432 -508 -537 -1,104
Accumulated Other Comprehensive Income / (Loss)		 -78 -77 -92 -131 -36 42 -23 -685 -551 -556 -351

Quarterly Balance Sheets for Webster Financial

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 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 69,053 74,844 74,038 73,131 76,162 76,838 79,454 80,280 81,914 83,193 85,585
Cash and Due from Banks		 286 202 284 406 322 333 721 421 425 499 353
Interest Bearing Deposits at Other Banks		 327 2,232 1,077 1,766 1,223 1,203 2,476 2,091 2,569 2,564 2,507
Trading Account Securities		 14,591 14,862 14,703 7,653 8,601 7,809 17,161 9,360 8,193 9,932 10,581
Loans and Leases, Net of Allowance		 47,250 50,313 50,997 49,453 50,457 50,904 51,259 52,343 52,950 54,324 56,515
Loans and Leases		 47,824 50,927 51,626 50,088 51,099 51,573 51,947 53,056 53,672 55,052 57,249
Allowance for Loan and Lease Losses		 574 614 629 635 641 669 688 713 722 728 733
Loans Held for Sale		 0.90 211 11 46 240 248 118 64 278 75 14
Premises and Equipment, Net		 435 431 426 432 423 418 411 422 423 427 428
Goodwill		 2,514 2,631 2,631 2,631 2,868 2,868 2,868 2,868 2,868 2,868 2,898
Intangible Assets		 207 230 221 212 383 374 344 325 316 308 300
Other Assets		 3,442 54,045 3,688 10,531 11,644 12,681 4,095 12,385 13,892 12,195 11,987
Total Liabilities & Shareholders' Equity		 69,053 74,844 74,038 73,131 76,162 76,838 79,454 80,280 81,914 83,193 85,585
Total Liabilities		 61,226 66,550 65,759 64,932 67,414 68,029 70,256 71,076 72,577 73,730 76,011
Non-Interest Bearing Deposits		 13,850 12,007 11,157 11,410 10,213 9,996 10,745 10,139 10,346 10,492 9,847
Interest Bearing Deposits		 40,159 43,290 47,590 48,922 50,535 52,280 53,770 55,436 55,969 57,684 59,193
Short-Term Debt		 1,265 306 244 157 362 240 100 83 - - 70
Long-Term Debt		 4,586 9,632 5,363 2,861 4,574 3,723 4,021 3,817 4,246 3,810 5,549
Other Long-Term Liabilities		 1,366 1,315 1,405 1,582 1,730 1,790 1,620 1,600 1,644 1,642 1,353
Total Equity & Noncontrolling Interests		 7,826 8,294 8,280 8,199 8,747 8,809 9,198 9,204 9,338 9,463 9,574
Total Preferred & Common Equity		 7,826 8,294 8,280 8,199 8,747 8,809 9,198 9,204 9,338 9,463 9,574
Preferred Stock		 284 284 284 284 284 284 284 284 284 284 284
Total Common Equity		 7,542 8,010 7,996 7,915 8,464 8,525 8,914 8,920 9,054 9,179 9,290
Common Stock		 6,163 6,140 6,153 6,167 6,141 6,155 6,168 6,143 6,157 6,171 6,135
Retained Earnings		 2,543 2,857 3,017 3,170 3,426 3,534 3,654 3,913 4,100 4,291 4,655
Treasury Stock		 -427 -398 -455 -506 -487 -536 -535 -686 -765 -898 -1,070
Accumulated Other Comprehensive Income / (Loss)		 -737 -588 -719 -916 -616 -628 -373 -449 -438 -385 -431

Annual Metrics And Ratios for Webster Financial

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 2025
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 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 161,290,301.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 161,290,301.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 6.22
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 8.65% 8.93% 7.40% 12.64% 4.30% -5.14% 4.06% 102.14% 7.13% -2.31% 11.93%
EBITDA Growth		 3.74% 2.65% 9.86% 21.76% 10.00% -30.82% 76.17% 26.03% 34.72% -11.19% 19.46%
EBIT Growth		 2.08% 1.91% 16.59% 24.83% 10.20% -42.47% 90.68% 49.47% 35.91% -6.22% 23.91%
NOPAT Growth		 2.50% 1.17% 23.32% 41.10% 6.19% -42.35% 85.32% 57.58% 34.70% -11.42% 30.45%
Net Income Growth		 2.50% 1.17% 23.32% 41.10% 6.19% -42.35% 85.32% 57.58% 34.70% -11.42% 30.45%
EPS Growth		 2.40% 1.41% 23.61% 42.70% 6.56% -42.12% 88.09% -15.84% 31.99% -11.00% 35.01%
Operating Cash Flow Growth		 24.61% 31.49% 11.76% 5.49% -35.27% 25.24% 80.95% 94.01% -26.75% 43.49% -24.65%
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% -107.99%
Invested Capital Growth		 -1.94% 5.51% -17.70% 7.26% 15.33% -30.92% 1.95% 263.63% -17.07% 0.44% 8.72%
Revenue Q/Q Growth		 2.07% 2.42% 1.45% 3.42% -0.65% -0.72% 1.93% 18.57% -2.56% 1.02% 3.03%
EBITDA Q/Q Growth		 0.31% 2.17% 0.70% 7.97% 0.35% -5.71% 8.98% 21.71% -7.29% 0.66% 5.32%
EBIT Q/Q Growth		 0.12% 2.15% 1.55% 9.58% -1.83% -12.85% 14.33% 27.29% -7.78% 3.62% 5.34%
NOPAT Q/Q Growth		 0.29% 3.02% 5.03% 8.73% -2.14% -12.12% 14.25% 26.19% -6.40% -0.98% 8.44%
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% 8.44%
EPS Q/Q Growth		 0.47% 3.35% 5.53% 8.55% -2.17% -11.65% 14.81% 10.06% -8.91% -1.35% 9.87%
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% -35.16%
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% -105.88%
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% -0.46%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 42.88% 40.41% 41.34% 44.68% 47.12% 34.37% 58.18% 36.27% 45.61% 41.47% 44.26%
EBIT Margin		 33.00% 30.87% 33.51% 37.14% 39.24% 23.79% 43.60% 32.24% 40.90% 39.26% 43.46%
Profit (Net Income) Margin		 22.69% 21.07% 24.19% 30.31% 30.85% 18.75% 33.39% 26.03% 32.73% 29.68% 34.59%
Tax Burden Percent		 68.76% 68.26% 72.20% 81.61% 78.64% 78.80% 76.59% 80.74% 80.02% 75.59% 79.58%
Interest Burden Percent		 100.00% 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% 20.42%
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% 7.91%
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% 7.91%
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% 2.86%
Return on Equity (ROE)		 8.64% 8.38% 9.77% 12.90% 12.56% 6.85% 12.25% 11.21% 10.36% 8.63% 10.77%
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% -0.45%
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% 1.55%
Return on Assets (ROA)		 0.87% 0.82% 0.97% 1.33% 1.32% 0.70% 1.21% 1.21% 1.19% 1.00% 1.23%
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% 10.44%
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% 10.56%
Net Operating Profit after Tax (NOPAT)		 205 207 255 360 383 221 409 644 868 769 1,003
NOPAT Margin		 22.69% 21.07% 24.19% 30.31% 30.85% 18.75% 33.39% 26.03% 32.73% 29.68% 34.59%
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% 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% 38.31%
Operating Expenses to Revenue		 61.54% 63.40% 62.62% 59.33% 57.72% 64.50% 60.85% 56.42% 53.42% 52.17% 49.29%
Earnings before Interest and Taxes (EBIT)		 298 303 354 442 487 280 534 798 1,085 1,017 1,260
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 387 397 436 531 584 404 712 898 1,210 1,074 1,283
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 1.10
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 1.68
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 3.48
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 10.36
Dividend Yield		 3.15% 2.31% 2.34% 3.12% 3.43% 4.31% 3.15% 3.66% 3.28% 2.92% 2.56%
Earnings Yield		 7.55% 5.11% 6.09% 9.52% 9.12% 6.35% 8.73% 8.25% 10.15% 8.00% 9.66%
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 0.88
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 4.02
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 9.08
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 9.25
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 11.62
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 11.01
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 0.00
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 0.39
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 0.39
Financial Leverage		 1.26 1.21 0.95 0.71 0.75 0.50 0.19 0.62 0.59 0.36 0.36
Leverage Ratio		 9.96 10.26 10.05 9.68 9.52 9.78 10.12 9.24 8.73 8.64 8.76
Compound Leverage Factor		 9.96 10.26 10.05 9.68 9.52 9.78 10.12 9.24 8.73 8.64 8.76
Debt to Total Capital		 54.48% 54.84% 41.32% 41.56% 43.69% 17.81% 14.30% 44.78% 28.17% 24.85% 28.16%
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% 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% 28.16%
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% 2.15%
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% 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% 69.69%
Debt to EBITDA		 7.47 7.72 4.36 3.86 4.26 1.73 0.81 7.28 2.82 2.81 2.90
Net Debt to EBITDA		 6.55 7.17 3.77 3.24 3.82 1.08 0.16 6.34 1.40 0.88 0.99
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 2.90
Debt to NOPAT		 14.11 14.81 7.45 5.70 6.50 3.18 1.40 10.14 3.93 3.93 3.71
Net Debt to NOPAT		 12.38 13.75 6.44 4.78 5.83 1.98 0.27 8.84 1.95 1.23 1.27
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 3.71
Noncontrolling Interest Sharing Ratio		 5.79% 4.97% 5.12% 5.19% 4.76% 4.50% 4.35% 3.73% 3.39% 3.19% 3.05%
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 -57
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% 2,339.51%
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 -0.04
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 0.69
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 0.66
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.04 0.03 0.04
Fixed Asset Turnover		 7.18 7.37 7.90 9.33 6.28 4.73 5.68 7.80 6.17 6.19 6.91
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 13,212
Invested Capital Turnover		 0.17 0.18 0.21 0.25 0.23 0.24 0.31 0.27 0.20 0.21 0.23
Increase / (Decrease) in Invested Capital		 -105 292 -991 335 757 -1,761 77 10,578 -2,491 54 1,060
Enterprise Value (EV)		 5,245 6,855 5,846 5,562 6,486 3,931 4,852 13,590 10,367 10,632 11,651
Market Capitalization		 2,588 3,884 4,055 3,693 4,110 3,349 4,595 7,612 8,390 9,403 10,096
Book Value per Share		 $24.99 $26.21 $27.77 $29.72 $33.28 $34.25 $36.35 $44.67 $48.86 $51.63 $57.09
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 $37.18
Total Capital		 5,303 5,595 4,605 4,939 5,697 3,935 4,012 14,590 12,099 12,153 13,212
Total Debt		 2,889 3,068 1,903 2,053 2,489 701 574 6,534 3,409 3,019 3,720
Total Long-Term Debt		 2,889 3,068 1,903 2,053 2,489 701 574 6,534 3,409 3,019 3,720
Net Debt		 2,534 2,848 1,646 1,723 2,231 438 112 5,694 1,693 945 1,271
Capital Expenditures (CapEx)		 35 39 25 32 26 20 13 28 33 29 45
Net Nonoperating Expense (NNE)		 0.00 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 3,720
Total Depreciation and Amortization (D&A)		 89 94 83 90 98 124 178 100 125 57 23
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 $5.91
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 161.23M
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 $5.90
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 161.23M
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 $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 161.23M
Normalized Net Operating Profit after Tax (NOPAT)		 205 207 255 360 383 221 409 644 868 769 1,003
Normalized NOPAT Margin		 22.69% 21.07% 24.19% 30.31% 30.85% 18.75% 33.39% 26.03% 32.73% 29.68% 34.59%
Pre Tax Income Margin		 33.00% 30.87% 33.51% 37.14% 39.24% 23.79% 43.60% 32.24% 40.90% 39.26% 43.46%
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 0.83
NOPAT to Interest Expense		 2.15 2.00 2.18 2.43 1.92 1.99 9.79 2.57 0.67 0.48 0.66
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 0.80
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 0.63
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% 28.27%
Augmented Payout Ratio		 52.51% 58.25% 44.75% 37.45% 43.97% 103.98% 37.34% 94.25% 48.29% 48.63% 89.74%

Quarterly Metrics And Ratios for Webster Financial

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 161,290,301.00 161,226,585.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 161,290,301.00 161,226,585.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 1.59 1.53
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.94% -9.90% 0.16% -8.71% -4.41% 4.12% 5.65% 16.47% 13.12% 12.89% 4.41%
EBITDA Growth		 -4.29% -27.43% -3.53% -23.83% -17.57% 3.25% -6.51% 35.91% 29.61% 25.15% 11.80%
EBIT Growth		 -6.58% -29.23% -0.41% -22.86% -12.13% 16.01% -0.71% 40.97% 35.66% 24.84% 6.73%
NOPAT Growth		 -3.20% -24.25% -2.12% -22.70% -14.79% -4.11% 4.90% 42.51% 35.36% 43.91% 8.51%
Net Income Growth		 -3.20% -24.25% -2.12% -22.70% -14.79% -4.11% 4.90% 42.51% 35.36% 43.91% 8.51%
EPS Growth		 -2.29% -30.97% -0.81% -21.97% -14.06% -5.61% 5.69% 47.57% 40.00% 52.48% 15.38%
Operating Cash Flow Growth		 1.26% -68.10% 13.71% -10.18% -89.39% 914.99% -61.06% 20.95% 726.98% -64.37% 204.30%
Free Cash Flow Firm Growth		 130.79% 125.90% 157.92% 502.51% -171.06% -95.36% -83.09% -142.66% 116.11% -747.97% -328.49%
Invested Capital Growth		 -17.99% -17.07% -24.95% -8.03% 18.74% 0.44% -4.23% 6.36% -0.35% 8.72% 15.93%
Revenue Q/Q Growth		 0.64% -6.30% 5.08% -7.87% 5.37% 2.06% 6.63% 1.57% 2.34% 1.86% -1.39%
EBITDA Q/Q Growth		 -4.80% -19.49% 25.55% -20.84% 3.02% 0.83% 13.69% 15.08% -1.75% -2.64% 1.56%
EBIT Q/Q Growth		 -6.44% -20.41% 28.90% -19.64% 6.57% 5.08% 10.33% 14.09% 2.56% -3.30% -5.67%
NOPAT Q/Q Growth		 -3.61% -18.14% 16.68% -16.04% 6.25% -7.89% 27.65% 14.07% 0.92% -2.07% -3.75%
Net Income Q/Q Growth		 -3.61% -18.14% 16.68% -16.04% 6.25% -7.89% 27.65% 14.07% 0.92% -2.07% -3.75%
EPS Q/Q Growth		 -3.03% -16.41% 14.95% -16.26% 6.80% -8.18% 28.71% 16.92% 1.32% 0.00% -2.60%
Operating Cash Flow Q/Q Growth		 71.30% -79.44% 177.49% -8.08% -79.77% 1,867.06% -89.35% 185.50% 38.32% -15.24% -9.09%
Free Cash Flow Firm Q/Q Growth		 934.22% -0.37% 114.82% -72.80% -247.28% 106.50% 549.34% -168.62% 155.62% -361.44% -31.43%
Invested Capital Q/Q Growth		 -19.22% 7.86% 8.97% -6.67% 4.29% -8.76% 7.84% 3.65% -2.28% -0.46% 10.02%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 45.74% 39.30% 46.95% 40.34% 39.44% 38.97% 41.55% 47.07% 45.19% 43.20% 44.49%
EBIT Margin		 41.10% 34.91% 42.82% 37.35% 37.78% 38.90% 40.25% 45.21% 45.31% 43.01% 41.14%
Profit (Net Income) Margin		 33.43% 29.20% 32.43% 29.55% 29.80% 26.89% 32.20% 36.16% 35.66% 34.28% 33.46%
Tax Burden Percent		 81.34% 83.66% 75.73% 79.12% 78.88% 69.14% 80.00% 79.98% 78.70% 79.70% 81.33%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.66% 16.34% 24.27% 20.88% 21.12% 30.86% 20.00% 20.02% 21.30% 20.30% 18.67%
Return on Invested Capital (ROIC)		 7.31% 5.80% 5.39% 5.75% 6.23% 5.75% 6.32% 7.49% 7.55% 7.84% 6.93%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.31% 5.80% 5.39% 5.75% 6.23% 5.75% 6.32% 7.49% 7.55% 7.84% 6.93%
Return on Net Nonoperating Assets (RNNOA)		 4.04% 3.45% 4.70% 3.22% 2.56% 2.07% 3.11% 3.39% 3.21% 2.84% 3.51%
Return on Equity (ROE)		 11.35% 9.25% 10.10% 8.97% 8.78% 7.82% 9.43% 10.88% 10.75% 10.67% 10.44%
Cash Return on Invested Capital (CROIC)		 27.21% 25.17% 33.91% 14.44% -10.81% 5.90% 10.14% 0.34% 7.30% -0.45% -7.53%
Operating Return on Assets (OROA)		 1.57% 1.27% 1.50% 1.28% 1.27% 1.31% 1.35% 1.55% 1.57% 1.53% 1.45%
Return on Assets (ROA)		 1.28% 1.06% 1.14% 1.02% 1.00% 0.90% 1.08% 1.24% 1.23% 1.22% 1.18%
Return on Common Equity (ROCE)		 10.95% 8.93% 9.76% 8.67% 8.50% 7.57% 9.13% 10.54% 10.43% 10.35% 10.13%
Return on Equity Simple (ROE_SIMPLE)		 11.31% 0.00% 9.87% 9.19% 8.44% 0.00% 8.47% 9.17% 9.77% 0.00% 10.68%
Net Operating Profit after Tax (NOPAT)		 226 185 216 182 193 178 227 259 261 256 246
NOPAT Margin		 33.43% 29.20% 32.43% 29.55% 29.80% 26.89% 32.20% 36.16% 35.66% 34.28% 33.46%
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% 0.00%
SG&A Expenses to Revenue		 38.23% 40.18% 38.69% 40.90% 42.39% 40.05% 38.32% 37.77% 38.29% 38.83% 40.32%
Operating Expenses to Revenue		 53.52% 59.42% 50.36% 53.05% 53.88% 51.50% 48.76% 48.29% 48.69% 51.36% 51.52%
Earnings before Interest and Taxes (EBIT)		 278 222 286 230 245 257 284 324 332 321 303
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 310 249 313 248 255 258 293 337 331 322 327
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.84 1.00 1.01 0.87 0.89 1.06 0.99 1.01 1.07 1.10 1.20
Price to Tangible Book Value (P/TBV)		 1.32 1.51 1.65 1.40 1.39 1.67 1.54 1.55 1.63 1.68 1.84
Price to Revenue (P/Rev)		 2.46 3.16 3.24 2.86 3.09 3.63 3.36 3.34 3.49 3.48 3.82
Price to Earnings (P/E)		 7.34 9.86 10.14 9.35 10.44 12.50 11.59 10.88 10.83 10.36 11.26
Dividend Yield		 4.15% 3.28% 3.21% 3.70% 3.46% 2.92% 3.10% 2.95% 2.71% 2.56% 2.30%
Earnings Yield		 13.62% 10.15% 9.86% 10.70% 9.58% 8.00% 8.63% 9.20% 9.23% 9.66% 8.88%
Enterprise Value to Invested Capital (EV/IC)		 0.70 0.86 0.90 0.79 0.69 0.87 0.80 0.78 0.82 0.88 0.94
Enterprise Value to Revenue (EV/Rev)		 2.87 3.91 4.62 3.90 3.56 4.10 4.00 3.90 3.85 4.02 4.86
Enterprise Value to EBITDA (EV/EBITDA)		 5.99 8.57 10.23 9.03 8.56 9.90 9.97 9.32 8.90 9.08 10.80
Enterprise Value to EBIT (EV/EBIT)		 6.64 9.56 11.32 9.97 9.31 10.45 10.35 9.61 9.06 9.25 11.13
Enterprise Value to NOPAT (EV/NOPAT)		 8.43 11.95 14.20 12.50 11.77 13.83 13.48 12.44 11.72 11.62 13.93
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.70 10.59 12.16 10.30 15.21 7.57 8.37 8.18 6.64 11.01 11.37
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.31 3.09 2.27 5.26 0.00 14.87 7.74 238.22 11.16 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.37 0.39 0.56 0.45 0.45 0.33 0.42 0.45 0.40 0.39 0.59
Long-Term Debt to Equity		 0.35 0.39 0.52 0.42 0.44 0.33 0.41 0.45 0.40 0.39 0.58
Financial Leverage		 0.55 0.59 0.87 0.56 0.41 0.36 0.49 0.45 0.43 0.36 0.51
Leverage Ratio		 8.87 8.73 8.86 8.83 8.77 8.64 8.71 8.75 8.72 8.76 8.83
Compound Leverage Factor		 8.87 8.73 8.86 8.83 8.77 8.64 8.71 8.75 8.72 8.76 8.83
Debt to Total Capital		 26.91% 28.17% 36.07% 31.02% 30.94% 24.85% 29.77% 31.26% 28.71% 28.16% 36.98%
Short-Term Debt to Total Capital		 1.40% 0.00% 2.64% 1.88% 0.75% 0.00% 0.64% 0.00% 0.00% 0.00% 0.46%
Long-Term Debt to Total Capital		 25.50% 28.17% 33.43% 29.15% 30.19% 24.85% 29.13% 31.26% 28.71% 28.16% 36.52%
Preferred Equity to Total Capital		 2.53% 2.35% 2.08% 2.22% 2.13% 2.34% 2.17% 2.09% 2.14% 2.15% 1.87%
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% 0.00%
Common Equity to Total Capital		 70.56% 69.48% 61.85% 66.75% 66.93% 72.82% 68.07% 66.65% 69.15% 69.69% 61.15%
Debt to EBITDA		 2.31 2.82 4.12 3.53 3.86 2.81 3.70 3.72 3.13 2.90 4.26
Net Debt to EBITDA		 0.65 1.40 2.83 2.16 0.87 0.88 1.32 1.10 0.61 0.99 2.09
Long-Term Debt to EBITDA		 2.19 2.82 3.81 3.32 3.77 2.81 3.62 3.72 3.13 2.90 4.21
Debt to NOPAT		 3.26 3.93 5.72 4.89 5.31 3.93 5.01 4.96 4.12 3.71 5.50
Net Debt to NOPAT		 0.91 1.95 3.93 3.00 1.19 1.23 1.78 1.46 0.81 1.27 2.70
Long-Term Debt to NOPAT		 3.09 3.93 5.30 4.60 5.18 3.93 4.90 4.96 4.12 3.71 5.43
Noncontrolling Interest Sharing Ratio		 3.54% 3.39% 3.33% 3.32% 3.26% 3.19% 3.16% 3.13% 3.04% 3.05% 3.02%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 2,686 2,676 4,765 1,296 -1,909 124 806 -553 308 -804 -1,841
Operating Cash Flow to CapEx		 2,983.25% 1,388.82% 4,818.69% 2,658.33% 452.13% 7,223.57% 1,141.74% 2,048.96% 3,067.70% 2,007.92% 3,153.29%
Free Cash Flow to Firm to Interest Expense		 7.82 7.39 12.40 3.21 -4.61 0.32 2.23 -1.46 0.78 -2.08 -5.12
Operating Cash Flow to Interest Expense		 1.24 0.24 0.63 0.55 0.11 2.31 0.26 0.71 0.94 0.82 0.80
Operating Cash Flow Less CapEx to Interest Expense		 1.20 0.23 0.62 0.53 0.09 2.27 0.24 0.68 0.91 0.78 0.78
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.04
Fixed Asset Turnover		 6.28 6.17 6.21 6.15 6.09 6.19 6.22 6.49 6.71 6.91 6.89
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 11,217 12,099 13,684 12,771 13,319 12,153 13,105 13,583 13,273 13,212 15,192
Invested Capital Turnover		 0.22 0.20 0.17 0.19 0.21 0.21 0.20 0.21 0.21 0.23 0.21
Increase / (Decrease) in Invested Capital		 -2,460 -2,491 -4,548 -1,115 2,102 54 -579 812 -46 1,060 2,087
Enterprise Value (EV)		 7,813 10,367 12,261 10,125 9,136 10,632 10,505 10,655 10,842 11,651 14,235
Market Capitalization		 6,683 8,390 8,586 7,414 7,928 9,403 8,833 9,120 9,810 10,096 11,192
Book Value per Share		 $45.69 $48.86 $49.35 $49.71 $52.00 $51.63 $52.06 $53.82 $55.23 $57.09 $57.62
Tangible Book Value per Share		 $29.27 $32.39 $30.40 $30.81 $33.26 $32.94 $33.42 $34.89 $36.12 $37.18 $37.78
Total Capital		 11,217 12,099 13,684 12,771 13,319 12,153 13,105 13,583 13,273 13,212 15,192
Total Debt		 3,018 3,409 4,936 3,962 4,121 3,019 3,901 4,246 3,810 3,720 5,619
Total Long-Term Debt		 2,861 3,409 4,574 3,723 4,021 3,019 3,817 4,246 3,810 3,720 5,549
Net Debt		 846 1,693 3,391 2,426 924 945 1,389 1,252 748 1,271 2,759
Capital Expenditures (CapEx)		 14 6.32 5.06 8.43 10 12 8.31 13 12 16 9.16
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 3,018 3,409 4,936 3,962 4,121 3,019 3,901 4,246 3,810 3,720 5,619
Total Depreciation and Amortization (D&A)		 31 28 28 18 11 0.47 9.17 13 -0.83 1.38 25
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.29 $1.06 $1.23 $1.03 $1.10 $1.02 $1.30 $1.52 $1.55 $1.54 $1.50
Adjusted Weighted Average Basic Shares Outstanding		 172.04M 171.75M 171.49M 171.43M 171.41M 171.35M 168.23M 166.19M 161.29M 161.23M 162.03M
Adjusted Diluted Earnings per Share		 $1.28 $1.07 $1.23 $1.03 $1.10 $1.01 $1.30 $1.52 $1.54 $1.54 $1.50
Adjusted Weighted Average Diluted Shares Outstanding		 172.04M 171.75M 171.49M 171.43M 171.41M 171.35M 168.23M 166.19M 161.29M 161.23M 162.03M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 172.04M 171.75M 171.49M 171.43M 171.41M 171.35M 168.23M 166.19M 161.29M 161.23M 162.03M
Normalized Net Operating Profit after Tax (NOPAT)		 226 185 216 182 193 178 227 259 261 256 246
Normalized NOPAT Margin		 33.43% 29.20% 32.43% 29.55% 29.80% 26.89% 32.20% 36.16% 35.66% 34.28% 33.46%
Pre Tax Income Margin		 41.10% 34.91% 42.82% 37.35% 37.78% 38.90% 40.25% 45.21% 45.31% 43.01% 41.14%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.81 0.61 0.74 0.57 0.59 0.67 0.79 0.85 0.84 0.83 0.84
NOPAT to Interest Expense		 0.66 0.51 0.56 0.45 0.47 0.46 0.63 0.68 0.66 0.66 0.68
EBIT Less CapEx to Interest Expense		 0.77 0.59 0.73 0.55 0.57 0.63 0.76 0.82 0.81 0.79 0.82
NOPAT Less CapEx to Interest Expense		 0.62 0.49 0.55 0.43 0.44 0.43 0.61 0.65 0.63 0.62 0.66
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 31.88% 33.97% 33.98% 36.11% 37.64% 37.88% 37.36% 33.79% 31.01% 28.27% 27.34%
Augmented Payout Ratio		 45.53% 48.29% 50.74% 50.47% 48.30% 48.63% 66.84% 66.76% 73.16% 89.74% 67.81%

Financials Breakdown Chart

Key Financial Trends

Webster Financial (NYSE: WBS) showed solid profitability in Q1 2026, but the quarter also highlighted heavier balance sheet use, rising funding costs, and a much larger investment portfolio. Compared with late 2025 and earlier periods, earnings remained healthy, operating cash flow was strong, and deposit growth continued. However, the bank is also carrying more debt, paying higher interest on deposits, and increasing investment securities purchases, which can pressure near-term flexibility.

  • Q1 2026 net income rose to $246.2 million, up from $255.8 million in Q4 2025 and above Q1 2025’s $226.9 million. Earnings remain resilient even with a softer operating environment.
  • Net interest income improved sequentially to $634.4 million from $632.9 million in Q4 2025 and $612.2 million in Q1 2025, suggesting the core lending business is still producing healthy spread revenue.
  • Non-interest income increased to $101.5 million, up from $92.6 million a year ago in Q1 2025, helped by fee-based income and investment banking activity.
  • Operating cash flow was strong at $288.7 million, giving the company good internal cash generation despite a busy funding and investing quarter.
  • Total assets expanded to $85.6 billion from $80.3 billion in Q1 2025, indicating continued balance sheet growth.
  • Deposits increased in Q1 2026, with net change in deposits of $277.7 million, which is a positive sign for franchise stability.
  • Book equity improved modestly, with total common equity rising to $9.29 billion from $8.92 billion in Q1 2025.
  • Provision for credit losses stayed at $54 million, roughly in line with recent quarters, suggesting credit quality management remains cautious but not alarming.
  • Loan balances grew over the past year, with loans and leases at $57.2 billion versus $53.1 billion in Q1 2025. That supports revenue, though it also raises balance sheet risk if credit conditions weaken.
  • Interest expense remains elevated, with deposit interest expense of $316.6 million in Q1 2026. Funding costs are still a meaningful drag on margins.
  • Investing cash flow was heavily negative at $1.36 billion, driven by $1.73 billion of investment securities purchases. That signals significant asset deployment and reduced near-term liquidity flexibility.
  • Long-term debt climbed to $5.55 billion from $3.82 billion in Q1 2025, and total liabilities rose to $76.0 billion from $71.1 billion. Leverage is moving higher.
  • Common share count remains high at 162.0 million, only slightly below recent periods, so EPS growth is still not being driven by meaningful buybacks.

Overall, Webster Financial looks profitable and cash-generative, with stable loan performance and improving deposits. The main watch items are funding costs, rising debt, and the scale of investment securities purchases, which could limit flexibility if rates or credit conditions turn less favorable.

06/08/26 11:01 AM ETAI Generated. May Contain Errors.

Webster Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Webster Financial's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Webster Financial's net income appears to be on an upward trend, with a most recent value of $1.00 billion in 2025, rising from $204.73 million in 2015. The previous period was $768.71 million in 2024. Find out what analysts predict for Webster Financial in the coming months.

Over the last 10 years, Webster Financial's total revenue changed from $902.40 million in 2015 to $2.90 billion in 2025, a change of 221.3%.

Webster Financial's total liabilities were at $74.58 billion at the end of 2025, a 6.7% increase from 2024, and a 235.5% increase since 2015.

In the past 10 years, Webster Financial's cash and equivalents has ranged from $137.39 million in 2021 to $429.32 million in 2023, and is currently $370.75 million as of their latest financial filing in 2025.

Over the last 10 years, Webster Financial's book value per share changed from 24.99 in 2015 to 57.09 in 2025, a change of 128.4%.


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Financial statements for NYSE:WBS last updated on 5/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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