Webster Financial Corp

Finance
Major Banks
www.websterbank.com

Earnings Score
Safety Score

Market Cap $10.18B
PE 14
Debt $910.96M
Cash $3.20B
EV $7.89B
FCF $570.97M

Earnings

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Sales & Net Margins

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Earnings	$751.84M
EBIT	$2.32B
ROE	8%
ROA	3%
FCF	$570.97M
Equity	$9.20B
Growth Stability	65%
PE	13.53
PEG	0.39
PB	1.11
P/FCF	17.82
P/S	42.27
Price/Cash	0.31
Debt/Equity	0.1
Debt/FCF	1.6
Net Margins	306%
Op. Margins	962%
Earnings CAGR	18%
Sales Growth YoY	5%
Sales Growth QoQ	-1%
Sales CAGR	4%
FCF CAGR	18%
Equity CAGR	17%
Earnings Stability	0.74
Earnings Growth YoY	-15%

Earnings Growth QoQ	6%
Earnings CAGR 5Y	35%
Sales CAGR 5Y	5%
FCF CAGR 5Y	38%
Equity CAGR 5Y	34%
Earnings CAGR 3Y	1%
Sales CAGR 3Y	1%
FCF CAGR 3Y	-1%
Equity CAGR 3Y	19%
Market Cap	$10.18B
Revenue	$240.72M
Dividend Yield	3%
Payout Ratio	37%
Assets	$79.45B
Total Debt	$910.96M
Cash	$3.20B
Shares Outstanding	169.57M
EV	7.89B
Earnings Score	92%
Safety Score	89%
Shares Growth 3y	6%
Equity Growth QoQ	4%
Equity Growth YoY	12%

Assets & ROA

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Stockholders Equity & ROE

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Webster Financial Corp is a full-service provider of financial services, offering commercial and consumer banking, mortgages, and investment advisory along with trust and wealth management services in Connecticut, New York, Rhode Island, Massachusetts, and Pennsylvania.

SEC Filings

Direct access to Webster Financial Corp (WBS) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Webster Financial Corp compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Webster Financial Corp compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 18%

Stability 74%

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Webster Financial Corp Discounted Cash Flow

Fully customizable DCF calculator online for Webster Financial Corp.

Years

Calculation mode

= $20B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$571M	$672M	$790M	$930M	$1.1B	$1.3B	$1.5B	$1.8B	$2.1B	$2.5B	$2.9B	$29B
DCF		$611M	$653M	$699M	$747M	$799M	$855M	$914M	$978M	$1B	$1.1B	$11B
Value	$20B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-	-	114%	133%	175%	179%	106%	188%	232%	361%	306%
ROA	-	2%	2%	2%	2%	2%	1%	2%	2%	3%	3%
ROE	-	8%	8%	9%	12%	12%	7%	12%	8%	10%	8%

Good Net Margins (306.19%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	14.76	11.19	6	5.96	12.58	4.73	1.79	0.82	1.12	1.6
Debt over Equity	0.1	1.66	1.58	0.93	0.9	1.09	0.53	0.35	0.13	0.12	0.1
Growth Stability	-	-	-	100%	100%	100%	65%	100%	100%	100%	65%

Good Debt/FCF ratio (1.6)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Good Debt/Equity ratio (0.1)

The company is not overleveraged and has a good balance between equity and debt.

Bad Graham’s Stability (65%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-	-	7%	8%	4%	-5%	7%	26%	-13%	5%
Earnings YoY growth	-	4%	0%	24%	42%	6%	-43%	89%	56%	35%	35%
Equity YoY growth	-	4%	5%	7%	7%	11%	1%	6%	134%	8%	34%
FCF YoY growth	-	12%	32%	17%	5%	-36%	29%	87%	95%	-28%	38%