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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.12
WBS's Cash to Debt is ranked higher than
52% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. WBS: 0.12 )
WBS' s 10-Year Cash to Debt Range
Min: 0.05   Max: 0.85
Current: 0.12

0.05
0.85
Equity to Asset 0.11
WBS's Equity to Asset is ranked higher than
78% of the 2022 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. WBS: 0.11 )
WBS' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.11
Current: 0.11

0.05
0.11
Interest Coverage 2.82
WBS's Interest Coverage is ranked higher than
82% of the 1874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. WBS: 2.82 )
WBS' s 10-Year Interest Coverage Range
Min: 0.22   Max: 2.82
Current: 2.82

0.22
2.82
F-Score: 3
Z-Score: 0.25
WACC vs ROIC
8.22%
4.39%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 35.06
WBS's Operating margin (%) is ranked higher than
83% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.81 vs. WBS: 35.06 )
WBS' s 10-Year Operating margin (%) Range
Min: -80.32   Max: 39.57
Current: 35.06

-80.32
39.57
Net-margin (%) 24.05
WBS's Net-margin (%) is ranked higher than
80% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.95 vs. WBS: 24.05 )
WBS' s 10-Year Net-margin (%) Range
Min: -67.18   Max: 26.69
Current: 24.05

-67.18
26.69
ROE (%) 8.79
WBS's ROE (%) is ranked higher than
77% of the 2060 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. WBS: 8.79 )
WBS' s 10-Year ROE (%) Range
Min: -17.78   Max: 19.75
Current: 8.79

-17.78
19.75
ROA (%) 0.93
WBS's ROA (%) is ranked higher than
79% of the 2064 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. WBS: 0.93 )
WBS' s 10-Year ROA (%) Range
Min: -1.85   Max: 1.22
Current: 0.93

-1.85
1.22
ROC (Joel Greenblatt) (%) 241.24
WBS's ROC (Joel Greenblatt) (%) is ranked higher than
91% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.79 vs. WBS: 241.24 )
WBS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -202.5   Max: 279.39
Current: 241.24

-202.5
279.39
Revenue Growth (3Y)(%) -1.00
WBS's Revenue Growth (3Y)(%) is ranked higher than
68% of the 1734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. WBS: -1.00 )
WBS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -11.5   Max: 12
Current: -1

-11.5
12
EBITDA Growth (3Y)(%) 22.00
WBS's EBITDA Growth (3Y)(%) is ranked higher than
90% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. WBS: 22.00 )
WBS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -18.6   Max: 29.7
Current: 22

-18.6
29.7
EPS Growth (3Y)(%) 48.30
WBS's EPS Growth (3Y)(%) is ranked higher than
96% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. WBS: 48.30 )
WBS' s 10-Year EPS Growth (3Y)(%) Range
Min: -34.3   Max: 48.3
Current: 48.3

-34.3
48.3
» WBS's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

WBS Guru Trades in Q1 2014

Steven Cohen 15,012 sh (+129.02%)
Richard Pzena 1,093,314 sh (+7.97%)
David Dreman 197,286 sh (+3.12%)
Jim Simons 482,691 sh (+1.38%)
Bernard Horn 72,738 sh (unchged)
HOTCHKIS & WILEY 565,192 sh (-1.5%)
Ken Fisher 2,845,939 sh (-2.03%)
Joel Greenblatt 7,545 sh (-47.9%)
» More
Q2 2014

WBS Guru Trades in Q2 2014

Richard Pzena 1,199,998 sh (+9.76%)
HOTCHKIS & WILEY 609,700 sh (+7.87%)
Bernard Horn 72,738 sh (unchged)
Joel Greenblatt Sold Out
David Dreman 193,250 sh (-2.05%)
Ken Fisher 2,777,539 sh (-2.4%)
Jim Simons 288,731 sh (-40.18%)
» More
Q3 2014

WBS Guru Trades in Q3 2014

Bernard Horn 117,738 sh (+61.87%)
Richard Pzena 1,475,682 sh (+22.97%)
David Dreman 195,844 sh (+1.34%)
HOTCHKIS & WILEY 611,400 sh (+0.28%)
Jim Simons Sold Out
Ken Fisher 2,768,040 sh (-0.34%)
» More
Q4 2014

WBS Guru Trades in Q4 2014

David Dreman 207,535 sh (+5.97%)
Bernard Horn 117,738 sh (unchged)
Ken Fisher 2,761,245 sh (-0.25%)
Richard Pzena 1,422,907 sh (-3.58%)
HOTCHKIS & WILEY 339,406 sh (-44.49%)
» More
» Details

Insider Trades

Latest Guru Trades with WBS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
HOTCHKIS & WILEY 2014-12-31 Reduce -44.49%0.03%$27.65 - $33.05 $ 35.1714%339406
Richard Pzena 2014-09-30 Add 22.97%0.04%$28.28 - $32.15 $ 35.1718%1475682
Joel Greenblatt 2014-06-30 Sold Out $28.93 - $31.67 $ 35.1715%0
Joel Greenblatt 2014-03-31 Reduce -47.9%0.01%$28.87 - $32.04 $ 35.1714%7545
David Dreman 2013-09-30 Reduce -76.83%0.41%$24.96 - $28.14 $ 35.1732%171328
Ken Fisher 2013-09-30 Add 37.22%0.04%$24.96 - $28.14 $ 35.1732%2424824
HOTCHKIS & WILEY 2013-03-31 Add 78.45%0.03%$20.55 - $24.43 $ 35.1755%563892
Joel Greenblatt 2012-12-31 New Buy0.01%$19.82 - $24.16 $ 35.1764%11805
HOTCHKIS & WILEY 2012-03-31 Reduce -39.11%0.03%$20.49 - $23.81 $ 35.1769%361892
David Dreman 2011-12-31 New Buy0.36%$14.6 - $20.99 $ 35.1787%785052
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Webster Financial Corp

SymbolPriceYieldDescription
WBSPRE0.006.42Deposit Shs Repr 1/1000th 6 2/5% Non-Cum Perp Pfd Series -E-
WSRFP1288.756.508 1/2 % Perp Conv Pfd Shs Series -A

Ratios

vs
industry
vs
history
P/E(ttm) 17.50
WBS's P/E(ttm) is ranked higher than
75% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. WBS: 17.50 )
WBS' s 10-Year P/E(ttm) Range
Min: 10.57   Max: 61.08
Current: 17.5

10.57
61.08
Forward P/E 13.91
WBS's Forward P/E is ranked higher than
80% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.42 vs. WBS: 13.91 )
N/A
PE(NRI) 17.20
WBS's PE(NRI) is ranked higher than
75% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. WBS: 17.20 )
WBS' s 10-Year PE(NRI) Range
Min: 10.66   Max: 53.98
Current: 17.2

10.66
53.98
P/B 1.50
WBS's P/B is ranked higher than
69% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. WBS: 1.50 )
WBS' s 10-Year P/B Range
Min: 0.13   Max: 1.96
Current: 1.5

0.13
1.96
P/S 3.90
WBS's P/S is ranked higher than
71% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.63 vs. WBS: 3.90 )
WBS' s 10-Year P/S Range
Min: 0.37   Max: 4.06
Current: 3.9

0.37
4.06
PFCF 11.90
WBS's PFCF is ranked higher than
85% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WBS: 11.90 )
WBS' s 10-Year PFCF Range
Min: 0.36   Max: 537.78
Current: 11.9

0.36
537.78
POCF 10.53
WBS's POCF is ranked higher than
83% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.89 vs. WBS: 10.53 )
WBS' s 10-Year POCF Range
Min: 0.34   Max: 99999999.99
Current: 10.53

0.34
99999999.99
EV-to-EBIT 19.61
WBS's EV-to-EBIT is ranked higher than
73% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.45 vs. WBS: 19.61 )
WBS' s 10-Year EV-to-EBIT Range
Min: -240.4   Max: 82.8
Current: 19.61

-240.4
82.8
Days Sales Outstanding 132.41
WBS's Days Sales Outstanding is ranked higher than
79% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WBS: 132.41 )
WBS' s 10-Year Days Sales Outstanding Range
Min: 29.81   Max: 198.82
Current: 132.41

29.81
198.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.30
WBS's Dividend Yield is ranked higher than
50% of the 1919 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.37 vs. WBS: 2.30 )
WBS' s 10-Year Dividend Yield Range
Min: 0.17   Max: 38.1
Current: 2.3

0.17
38.1
Dividend Payout 0.35
WBS's Dividend Payout is ranked higher than
75% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. WBS: 0.35 )
WBS' s 10-Year Dividend Payout Range
Min: 0.03   Max: 1.59
Current: 0.35

0.03
1.59
Dividend growth (3y) 139.60
WBS's Dividend growth (3y) is ranked higher than
100% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. WBS: 139.60 )
WBS' s 10-Year Dividend growth (3y) Range
Min: -67.5   Max: 139.6
Current: 139.6

-67.5
139.6
Yield on cost (5-Year) 4.07
WBS's Yield on cost (5-Year) is ranked higher than
100% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. WBS: 4.07 )
WBS' s 10-Year Yield on cost (5-Year) Range
Min: 0.3   Max: 67.45
Current: 4.07

0.3
67.45
Share Buyback Rate -3.20
WBS's Share Buyback Rate is ranked higher than
69% of the 1464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.30 vs. WBS: -3.20 )
WBS' s 10-Year Share Buyback Rate Range
Min: 1.4   Max: -22.3
Current: -3.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.90
WBS's Price/Tangible Book is ranked higher than
67% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.51 vs. WBS: 1.90 )
WBS' s 10-Year Price/Tangible Book Range
Min: 0.33   Max: 6.56
Current: 1.9

0.33
6.56
Price/DCF (Projected) 0.70
WBS's Price/DCF (Projected) is ranked higher than
85% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.55 vs. WBS: 0.70 )
WBS' s 10-Year Price/DCF (Projected) Range
Min: 0.05   Max: 1.36
Current: 0.7

0.05
1.36
Price/Median PS Value 1.40
WBS's Price/Median PS Value is ranked higher than
69% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. WBS: 1.40 )
WBS' s 10-Year Price/Median PS Value Range
Min: 0.19   Max: 1.62
Current: 1.4

0.19
1.62
Price/Graham Number 1.10
WBS's Price/Graham Number is ranked higher than
74% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. WBS: 1.10 )
WBS' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 3.38
Current: 1.1

0.6
3.38
Earnings Yield (Greenblatt) 5.00
WBS's Earnings Yield (Greenblatt) is ranked higher than
70% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. WBS: 5.00 )
WBS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 7.6
Current: 5

1.2
7.6
Forward Rate of Return (Yacktman) -6.34
WBS's Forward Rate of Return (Yacktman) is ranked higher than
54% of the 1311 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.44 vs. WBS: -6.34 )
WBS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3   Max: 152.1
Current: -6.34

-3
152.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:WSRFP.USA,
Webster Financial Corporation was incorporated under the laws of Delaware in 1986. Webster is a bank holding and financial holding company. The Company, through Webster Bank and various non-banking financial services subsidiaries, delivers financial services to individuals, families and businesses throughout southern New England and into eastern New York State. The Company's operations are managed along four reportable operating segments consisting of Commercial, Retail, Consumer Finance and Other. It also offers equipment financing, commercial real estate lending, asset-based lending, health savings accounts and insurance premium financing on a regional or national basis. The Company provides business and consumer banking, mortgage lending, financial planning, trust and investment services through 169 banking offices, 309 owned ATMs, telephone banking, mobile banking and its Internet website. Through its HSA Bank division, Webster Bank offers health savings accounts on a nationwide basis. Webster's Commercial Banking segment includes middle market, asset-based lending, commercial real estate, equipment finance, and treasury and payment services, which includes government and institutional banking. Additionally, it serves as a referral source to Private Banking and Retail Banking. The Company's Retail Banking segment is focused on growing its customer base through the acquisition of new customer relationships and the retention and expansion of existing customer relationships. Retail Banking's distribution network provides convenience and easy access to Webster's products and services. Retail Banking includes the Business & Professional Banking division or B&P. The Company offers investment and securities-related services, including brokerage and investment advice that it had previously offered through its subsidiary. The Company's Consumer Finance offers lending solutions for consumers primarily in southern New England and Westchester County, New York. Products include; residential mortgages, home equity loans and lines of credit, unsecured personal loans as well as credit card options. Webster Bank concentrates on offering products including home equity loans and lines of credit, as well as second mortgages. The Company faces competition for deposits and loans throughout its market areas. Webster, Webster Bank and certain of its non-banking subsidiaries are subject to regulation under federal and state laws.
» More Articles for WBS

Headlines

Articles On GuruFocus.com
comment on WBS Mar 23 2013 
Weekly CFO Buys Highlight: MS, CINF, WBS Aug 08 2011 
Webster Financial Corp. Reports Operating Results (10-K) Feb 28 2011 
Webster Financial Corp. (WBS) Chairman & Chief Executive Off James Copenhaver Smith sells 15,000 Sha Feb 17 2011 
Weekly Top Insider Buys: WBS, STWD, HTGC, EBTX, NTSC Jan 01 2011 
Five Regional Banks Headed for a Turnaround: HBAN, HCBK, STI, ZION, WBS Sep 18 2010 
Webster Financial Corp. Reports Operating Results (10-Q) Aug 03 2010 
Webster Reports Preliminary Fourth Quarter 2008 Loss Jan 23 2009 
Webster Financial Corporation Announces 2008 Fourth Quarter Earnings Conference Call Jan 09 2009 
Bruce Sherman Buys Sprint Nextel Corp., American Standard Companies Inc., Xerox Corp., Sells Microso Feb 22 2008 

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Webster to Make Presentation at Investor Conference Feb 18 2015
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WEBSTER FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 13 2015
Webster Sets Date for Annual Shareholders Meeting Feb 13 2015
Webster Sets Date for Annual Shareholders Meeting Feb 13 2015
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