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WBSWebster Financial Corporation
$76.13$12.3B
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WBS logoWebster Financial Corporation(WBS)Earnings, Financials & Key Ratios

WBS•NYSE•Banking & Credit
12.8× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutWebster 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. It operates through three segments: Commercial Banking, HSA Bank, and Retail Banking. The Commercial Banking segment provides lending, deposit, and cash management services; commercial and industrial lending and leasing, commercial real estate lending, equipment financing, and asset-based lending, as well as treasury and payment services; wealth management solutions to business owners, operators, and consumers; and trust, asset management, financial planning, insurance, retirement, and investment products. The HSA Bank segment offers health savings accounts, health reimbursement arrangements, flexible spending accounts, and commuter services that are distributed directly to employers and individual consumers, as well as through national and regional insurance carriers, consultants, and financial advisors. The Retail Banking segment provides deposit and fee-based services, residential mortgages, home equity lines, secured and unsecured loans, and credit cards to consumers. The company also offers online and mobile banking services. As of December 31, 2021, it operated 130 banking centers and 251 ATMs. The company was founded in 1935 and is headquartered in Stamford, Connecticut.Show more
  • Net Interest Income$2.5B+6.8%
  • Total Revenue$4.42B+6.1%
  • Net Income$1B+30.5%
  • Return on Equity10.77%+24.8%
  • Net Interest Margin2.97%+0.4%
  • Efficiency Ratio32.31%+0.5%
  • ROA1.23%+23.2%
  • Equity / Assets11.29%-2.3%
  • Book Value per Share59.11+10.1%

WBS Key Insights

Webster Financial Corporation (WBS) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 35.4%
  • ✓Efficient operations: 32.3% efficiency ratio
  • ✓Well capitalized: 11.3% equity/assets
  • ✓Healthy dividend yield of 2.2%
  • ✓Share count reduced 5.6% through buybacks
  • ✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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WBS Price & Volume

Webster Financial Corporation (WBS) stock price & volume — 10-year historical chart

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WBS Growth Metrics

Webster Financial Corporation (WBS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years16.06%
5 Years28%
3 Years17.55%
TTM-

Profit CAGR

10 Years17.22%
5 Years35.37%
3 Years15.89%
TTM31.16%

EPS CAGR

10 Years10.74%
5 Years20.26%
3 Years16.68%
TTM37.61%

Return on Capital

10 Years8.61%
5 Years9.93%
3 Years9.28%
Last Year10.69%

WBS Recent Earnings

Webster Financial Corporation (WBS) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 5/12 qtrs (45%)
Q2 2026Latest
Apr 28, 2026
Metric
Actual
Est
EPS
$1.57+2.6%
$1.53
Rev
$736M+0.1%
$735M
Q1 2026
Jan 23, 2026
Metric
Actual
Est
EPS
$1.59+4.6%
$1.52
Rev
$746M+2.1%
$731M
Q4 2025
Oct 17, 2025
Metric
Actual
Est
EPS
$1.54+1.3%
$1.52
Rev
$733M+0.7%
$728M
Q3 2025
Jul 17, 2025
Metric
Actual
Est
EPS
$1.52+5.6%
$1.44
Rev
$716M-0.1%
$717M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$1.57vs $1.53+2.6%
$736Mvs $735M+0.1%
Q1 2026Jan 23, 2026
$1.59vs $1.52+4.6%
$746Mvs $731M+2.1%
Q4 2025Oct 17, 2025
$1.54vs $1.52+1.3%
$733Mvs $728M+0.7%
Q3 2025Jul 17, 2025
$1.52vs $1.44+5.6%
$716Mvs $717M-0.1%
Based on last 12 quarters of dataView full earnings history →

WBS Peer Comparison

Webster Financial Corporation (WBS) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
WTFC logoWTFCWintrust Financial CorporationDirect Competitor10.39B154.1113.336.66%19.48%11.71%0.62
FHN logoFHNFirst Horizon CorporationDirect Competitor12.31B24.8113.200.97%19.99%10.71%0.50
PNFP logoPNFPPinnacle Financial Partners, Inc.Direct Competitor7.39B96.1216.1315.32%22.1%9.42%0.39
IBCP logoIBCPIndependent Bank CorporationDirect Competitor706.3M34.3110.49-0.3%22.12%14.2%0.23
UMBF logoUMBFUMB Financial CorporationDirect Competitor10.13B133.0614.5768.52%19.79%11.67%0.49
WSFS logoWSFSWSFS Financial CorporationDirect Competitor3.91B74.1414.57-3.05%21.14%10.65%0.11
BOKF logoBOKFBOK Financial CorporationDirect Competitor7.92B130.3314.20-1.07%17.38%9.79%0.78
SNV logoSNVSynovus Financial Corp.Product Competitor6.95B50.0516.521.16%24.05%14.45%0.35

Compare WBS vs Peers

Webster Financial Corporation (WBS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WTFC

Most directly comparable listed peer for WBS.

Scale Benchmark

vs SPGI

Larger-name benchmark to compare WBS against a more recognizable public peer.

Peer Set

Compare Top 5

vs WTFC, FHN, PNFP, IBCP

WBS Income Statement

Webster Financial Corporation (WBS) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income
796.29M906.68M955.13M891.39M901.09M2.03B2.34B2.34B2.5B2.52B
NII Growth %
10.82%13.86%5.34%-6.67%1.09%125.76%14.89%0.05%6.82%23.26%
Net Interest Margin %
3.01%3.28%3.14%2.74%2.58%2.85%3.12%2.96%2.97%2.94%
Interest Income
913.61M1.06B1.15B1B942.84M2.28B3.63B3.93B4.02B4.04B
Interest Expense
117.32M148.49M199.46M110.66M41.76M250.45M1.29B1.59B1.52B1.52B
Loan Loss Provision
40.9M42M37.8M137.75M-54.5M280.62M150.75M222M210M132.5M
Non-Interest Income
259.46M282.57M285.31M285.28M322.14M438.24M314.34M240.24M401.52M308.91M
Non-Interest Income %
22.12%21.12%19.81%22.16%25.47%16.09%7.97%5.76%9.08%7.1%
Total Revenue
1.17B▲ 0%
1.34B▲ 14.0%
1.44B▲ 7.6%
1.29B▼ 10.6%
1.26B▼ 1.7%
2.72B▲ 115.3%
3.94B▲ 44.8%
4.17B▲ 5.7%
4.42B▲ 6.1%
4.35B▲ 0%
Revenue Growth %
7.98%14.04%7.64%-10.6%-1.74%115.26%44.79%5.71%6.13%15.24%
Non-Interest Expense
661.06M705.62M715.95M758.95M743.86M1.39B1.42B1.34B1.43B1.52B
Efficiency Ratio
56.35%52.75%49.72%58.96%58.8%51.19%35.92%32.14%32.31%34.9%
Operating Income
353.79M▲ 0%
441.63M▲ 24.8%
486.69M▲ 10.2%
279.97M▼ 42.5%
533.86M▲ 90.7%
797.98M▲ 49.5%
1.08B▲ 35.9%
1.02B▼ 6.2%
1.26B▲ 23.9%
1.18B▲ 0%
Operating Margin %
30.16%33.01%33.8%21.75%42.2%29.31%27.51%24.4%28.49%27.07%
Operating Income Growth %
16.59%24.83%10.2%-42.47%90.68%49.47%35.91%-6.22%23.91%-
Pretax Income
353.79M▲ 0%
441.63M▲ 24.8%
486.69M▲ 10.2%
279.97M▼ 42.5%
533.86M▲ 90.7%
797.98M▲ 49.5%
1.08B▲ 35.9%
1.02B▼ 6.2%
1.26B▲ 23.9%
1.28B▲ 0%
Pretax Margin %
30.16%33.01%33.8%21.75%42.2%29.31%27.51%24.4%28.49%29.4%
Income Tax
98.35M81.22M103.97M59.35M125M153.69M216.66M248.3M257.35M257.14M
Effective Tax Rate %
27.8%18.39%21.36%21.2%23.41%19.26%19.98%24.41%20.42%20.1%
Net Income
255.44M▲ 0%
360.42M▲ 41.1%
382.72M▲ 6.2%
220.62M▼ 42.4%
408.86M▲ 85.3%
644.28M▲ 57.6%
867.84M▲ 34.7%
768.71M▼ 11.4%
1B▲ 30.5%
1.02B▲ 0%
Net Margin %
21.78%26.94%26.58%17.14%32.32%23.66%22.01%18.45%22.67%23.49%
Net Income Growth %
23.32%41.1%6.19%-42.35%85.32%57.58%34.7%-11.42%30.45%31.16%
Net Income (Continuing)
255.44M360.42M382.72M220.62M408.86M644.28M867.84M768.71M1B1.02B
EPS (Diluted)
2.67▲ 0%
3.81▲ 42.7%
4.06▲ 6.6%
2.35▼ 42.1%
4.42▲ 88.1%
3.72▼ 15.8%
4.91▲ 32.0%
4.37▼ 11.0%
5.91▲ 35.2%
6.39▲ 0%
EPS Growth %
23.61%42.7%6.56%-42.12%88.09%-15.84%31.99%-11%35.24%37.61%
EPS (Basic)
2.683.834.072.354.433.724.914.385.92-
Diluted Shares Outstanding
92.36M92.23M91.88M90.15M90.21M168.91M173.36M170.19M160.6M159.85M

WBS Balance Sheet

Webster Financial Corporation (WBS) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments
2.89B3.23B3.18B3.59B4.7B8.73B10.68B2.08B2.46B27.29B
Cash & Due from Banks
256.79M329.5M257.89M263.1M461.57M839.94M1.72B2.07B2.45B353.23M
Short Term Investments
2.64B2.9B2.93B3.33B4.23B7.89B8.96B6.32M12.49M18.42B
Total Investments
23.95B25.03B27.55B29.6B31.79B62.02B64.82B68.08B72.63B77.89B
Investments Growth %
2.07%4.51%10.08%7.44%7.39%95.12%4.51%5.02%6.68%30.84%
Long-Term Investments
21.31B22.13B24.63B26.27B27.55B54.13B55.86B68.07B72.61B291.52B
Accounts Receivables
286.68M313.26M455.38M626.55M531.47M1.62B1.89B000
Goodwill & Intangibles
567.98M564.14M560.29M560.76M556.24M2.71B2.83B3.2B3.21B3.5B
Goodwill
538.37M538.37M538.37M538.37M538.37M2.51B2.63B2.87B2.9B3.2B
Intangible Assets
29.61M25.76M21.92M22.38M17.87M199.34M203.13M334.3M313.23M299.52M
PP&E (Net)
130M124.85M270.41M226.74M204.56M430.18M429.56M406.96M432.04M428.18M
Other Assets
946.35M967.22M1.16B1.27B1.18B3.29B3.46B3.73B5.16B-77.89B
Total Current Assets
3.44B3.73B3.72B4.18B5.32B10.34B11.98B3.3B2.46B18.77B
Total Non-Current Assets
23.05B23.88B26.67B28.41B29.6B60.94B62.96B75.73B81.61B3.81B
Total Assets
26.49B▲ 0%
27.61B▲ 4.2%
30.39B▲ 10.1%
32.59B▲ 7.2%
34.92B▲ 7.1%
71.28B▲ 104.1%
74.95B▲ 5.1%
79.03B▲ 5.4%
84.07B▲ 6.4%
85.58B▲ 0%
Asset Growth %
1.59%4.24%10.07%7.24%7.13%104.14%5.15%5.44%6.39%24.31%
Return on Assets (ROA)
0.97%1.33%1.32%0.7%1.21%1.21%1.19%1%1.23%1.22%
Accounts Payable
0000000000
Total Debt
2.55B2.63B3.7B1.88B1.39B7.69B3.87B3.36B4.32B738.31M
Net Debt
2.29B2.31B3.45B1.62B932.06M6.85B2.15B1.29B1.87B385.08M
Long-Term Debt
1.9B2.05B2.49B700.83M573.93M6.53B1.06B919.29M750.17M5.55B
Short-Term Debt
643.27M581.87M1.04B995.36M674.9M1.15B2.81B2.44B3.57B69.76M
Other Liabilities
000-24.41M-144.8M01.6B1.78B1.5B70.39B
Total Current Liabilities
21.88B22.67B24.52B28.52B30.93B56.69B63.59B67.2B72.33B69.76M
Total Non-Current Liabilities
1.9B2.05B2.66B834.69M551.15M6.53B2.66B2.69B2.25B75.94B
Total Liabilities
23.79B24.72B27.18B29.36B31.48B63.22B66.26B69.89B74.58B76.01B
Total Equity
2.7B▲ 0%
2.89B▲ 6.8%
3.21B▲ 11.1%
3.23B▲ 0.8%
3.44B▲ 6.3%
8.06B▲ 134.3%
8.69B▲ 7.9%
9.13B▲ 5.1%
9.49B▲ 3.9%
9.57B▲ 0%
Equity Growth %
6.92%6.83%11.13%0.84%6.3%134.31%7.87%5.1%3.93%16.82%
Equity / Assets (Capital Ratio)
10.2%10.45%10.56%9.92%9.85%11.3%11.6%11.56%11.29%11.19%
Return on Equity (ROE)
9.77%12.9%12.56%6.85%12.25%11.21%10.36%8.63%10.77%10.8%
Book Value per Share
29.2631.3034.9135.8838.1247.6950.1353.6659.1159.89
Tangible BV per Share
23.1125.1828.8129.6631.9531.6333.7834.8539.1138.01
Common Stock
937K937K937K937K937K1.83M1.83M1.83M1.83M9.29B
Additional Paid-in Capital
1.12B1.11B1.11B1.11B1.11B6.17B6.18B6.18B6.18B0
Retained Earnings
1.6B1.83B2.06B2.08B2.33B2.71B3.28B3.76B4.48B4.66B
Accumulated OCI
-91.53M-130.65M-36.07M42.26M-22.58M-684.96M-550.57M-556.38M-350.84M-430.55M
Treasury Stock
-70.43M-71.5M-76.73M-140.66M-126.95M-431.76M-507.52M-536.84M-1.1B0
Preferred Stock
145.06M145.04M145.04M145.04M145.04M283.98M283.98M283.98M283.98M283.98M

WBS Cash Flow Statement

Webster Financial Corporation (WBS) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
444.97M469.41M303.85M380.55M688.59M1.34B978.65M1.4B1.06B1.25B
Operating CF Growth %
11.76%5.49%-35.27%25.24%80.95%94.01%-26.75%43.49%-24.65%887.86%
Net Income
255.44M360.42M382.72M220.62M408.86M644.28M867.84M768.71M1B1.02B
Depreciation & Amortization
37.17M38.75M44.83M43.18M41.51M81.8M76.49M71.53M73.35M41.36M
Deferred Taxes
-9.07M9.47M927K-31.24M-5M-69.66M-53.63M18.18M47.59M59.27M
Other Non-Cash Items
121.13M97.19M60.14M265.7M101.68M372.82M263.25M307.08M148.29M80.39M
Working Capital Changes
28.03M-48.03M-197.4M-129.9M127.88M251.74M-229.38M183.66M-270.72M-7.96M
Cash from Investing
-531.05M-1.32B-2.55B-2.29B-2.41B-7.19B-2.6B-3.87B-4.75B-5.37B
Purchase of Investments
-1.7B-1.27B-2.13B-2.3B-3.94B-2.27B-3.29B-5.14B-2.28B-2.63B
Sale/Maturity of Investments
1.68B1.06B1.19B1.62B2.22B1.68B1.77B3.51B1.86B1.64B
Net Investment Activity
-22.74M-205.62M-933.2M-680.28M-1.71B-593.91M-1.52B-1.63B-424.93M-989.07M
Acquisitions
00000459.55M-157.65M-359.46M-24.4M-24.4M
Other Investing
-472.17M-1.08B-1.6B-1.59B-675.21M-7.02B-877.25M-1.85B-4.25B-4.3B
Cash from Financing
122.75M921.23M2.17B1.91B1.91B6.23B2.49B2.82B4.06B4.47B
Dividends Paid
-102.73M-122.83M-148.66M-152.84M-152.68M-261.49M-294.81M-291.19M-283.48M-275.27M
Share Repurchases
-134.29M-12.16M-13M-76.56M-4.38M-322.1M-107.98M-65.4M-616.42M-412.67M
Stock Issued
153.31M0003.49M00067K0
Net Stock Activity
19.02M-12.16M-13M-76.56M-892K-322.1M-107.98M-65.4M-616.35M-412.67M
Debt Issuance (Net)
-1000K1000K1000K-1000K-1000K1000K-1000K-1000K1000K-1000K
Other Financing
1.38B906.52M1.91B3.96B2.51B1.36B6.01B3.56B4.25B5.23B
Net Change in Cash
36.66M▲ 0%
72.71M▲ 98.3%
-71.6M▼ 198.5%
5.21M▲ 107.3%
198.47M▲ 3710.1%
378.37M▲ 90.6%
875.85M▲ 131.5%
358.64M▼ 59.1%
375.09M▲ 4.6%
347.89M▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
220.12M256.79M329.5M257.89M263.1M461.57M839.94M1.72B2.07B2.45B
Cash at End
256.79M329.5M257.89M263.1M461.57M839.94M1.72B2.07B2.45B2.86B
Interest Paid
114.05M144.73M197.2M118.12M42.15M240.85M1.25B1.61B1.55B763.1M
Income Taxes Paid
109.06M60.92M110.06M94.07M112.59M193.54M268.6M124.82M85.39M71.17M
Free Cash Flow
416.42M▲ 0%
436.45M▲ 4.8%
278.13M▼ 36.3%
359.27M▲ 29.2%
672M▲ 87.0%
1.31B▲ 94.5%
938.35M▼ 28.2%
1.37B▲ 45.8%
1.01B▼ 26.3%
1.2B▲ 0%
FCF Growth %
16.51%4.81%-36.27%29.17%87.05%94.52%-28.22%45.84%-26.3%-1.33%

WBS Banking Ratios

Webster Financial Corporation (WBS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Return on Equity (ROE)
9.77%12.9%12.56%6.85%12.25%11.21%10.36%8.63%10.77%10.8%
Return on Assets (ROA)
0.97%1.33%1.32%0.7%1.21%1.21%1.19%1%1.23%1.22%
Net Interest Margin
3.01%3.28%3.14%2.74%2.58%2.85%3.12%2.96%2.97%2.94%
Efficiency Ratio
56.35%52.75%49.72%58.96%58.8%51.19%35.92%32.14%32.31%34.9%
Equity / Assets
10.2%10.45%10.56%9.92%9.85%11.3%11.6%11.56%11.29%11.19%
Book Value / Share
29.2631.334.9135.8838.1247.6950.1353.6659.1159.89
NII Growth
10.82%13.86%5.34%-6.67%1.09%125.76%14.89%0.05%6.82%5.76%
Dividend Payout
37.05%31.9%36.78%65.71%35.42%38.46%32.05%35.72%26.61%19.4%
Related:WBS Dividend History·WBS Revenue History·WBS Price History·WBS P/E History·WBS Financial Ratios·WBS Institutional Holders

WBS SEC Filings & Documents

Webster Financial Corporation (WBS) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 28, 2026·SEC

Material company update

Feb 6, 2026·SEC

Material company update

Feb 3, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 27, 2026·SEC

FY 2025

Mar 3, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 30, 2026·SEC

FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 11, 2025·SEC

WBS Frequently Asked Questions

Webster Financial Corporation (WBS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Webster Financial Corporation (WBS) grew revenue by 6.1% over the past year. This is steady growth.

Yes, Webster Financial Corporation (WBS) is profitable, generating $1.02B in net income for fiscal year 2025 (22.7% net margin).

Dividend & Returns

Yes, Webster Financial Corporation (WBS) pays a dividend with a yield of 2.20%. This makes it attractive for income-focused investors.

Webster Financial Corporation (WBS) has a return on equity (ROE) of 10.8%. This is reasonable for most industries.

Industry Metrics

Webster Financial Corporation (WBS) has a net interest margin (NIM) of 3.0%. NIM has been under pressure due to interest rate environment.

Webster Financial Corporation (WBS) has an efficiency ratio of 32.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in WBS back in 1996?

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How much would $100/month in WBS be worth today?

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