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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 0.13
WBS's Cash to Debt is ranked lower than
90% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. WBS: 0.13 )
Ranked among companies with meaningful Cash to Debt only.
WBS' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.13 Max: 0.85
Current: 0.13
0.05
0.85
Equity to Asset 0.10
WBS's Equity to Asset is ranked higher than
52% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. WBS: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
WBS' s 10-Year Equity to Asset Range
Min: 0.05  Med: 0.09 Max: 0.11
Current: 0.1
0.05
0.11
Interest Coverage 3.22
WBS's Interest Coverage is ranked higher than
70% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. WBS: 3.22 )
Ranked among companies with meaningful Interest Coverage only.
WBS' s 10-Year Interest Coverage Range
Min: 0.22  Med: 0.52 Max: 3.22
Current: 3.22
0.22
3.22
F-Score: 5
WACC vs ROIC
7.30%
4.52%
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 (%) 34.24
WBS's Operating margin (%) is ranked higher than
60% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. WBS: 34.24 )
Ranked among companies with meaningful Operating margin (%) only.
WBS' s 10-Year Operating margin (%) Range
Min: -80.32  Med: 32.29 Max: 39.57
Current: 34.24
-80.32
39.57
Net-margin (%) 23.58
WBS's Net-margin (%) is ranked higher than
56% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. WBS: 23.58 )
Ranked among companies with meaningful Net-margin (%) only.
WBS' s 10-Year Net-margin (%) Range
Min: -67.18  Med: 21.86 Max: 26.69
Current: 23.58
-67.18
26.69
ROE (%) 8.27
WBS's ROE (%) is ranked lower than
51% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. WBS: 8.27 )
Ranked among companies with meaningful ROE (%) only.
WBS' s 10-Year ROE (%) Range
Min: -18.5  Med: 11.15 Max: 19.35
Current: 8.27
-18.5
19.35
ROA (%) 0.90
WBS's ROA (%) is ranked higher than
53% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. WBS: 0.90 )
Ranked among companies with meaningful ROA (%) only.
WBS' s 10-Year ROA (%) Range
Min: -1.85  Med: 0.89 Max: 1.22
Current: 0.9
-1.85
1.22
Revenue Growth (3Y)(%) 4.30
WBS's Revenue Growth (3Y)(%) is ranked higher than
61% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. WBS: 4.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WBS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -11.4  Med: 1.50 Max: 12
Current: 4.3
-11.4
12
EBITDA Growth (3Y)(%) 3.80
WBS's EBITDA Growth (3Y)(%) is ranked lower than
62% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. WBS: 3.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WBS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -18.6  Med: 9.40 Max: 29.7
Current: 3.8
-18.6
29.7
EPS Growth (3Y)(%) 9.40
WBS's EPS Growth (3Y)(%) is ranked higher than
50% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. WBS: 9.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WBS' s 10-Year EPS Growth (3Y)(%) Range
Min: -34.3  Med: 11.00 Max: 48.3
Current: 9.4
-34.3
48.3
» WBS's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q1 2015

WBS Guru Trades in Q1 2015

James Barrow 99,549 sh (New)
Paul Tudor Jones 7,500 sh (New)
Zeke Ashton 60,000 sh (New)
Richard Pzena 1,655,063 sh (+16.32%)
David Dreman 224,815 sh (+8.33%)
Bernard Horn 117,738 sh (unchged)
HOTCHKIS & WILEY Sold Out
Ken Fisher 2,705,915 sh (-2.00%)
» More
Q2 2015

WBS Guru Trades in Q2 2015

Paul Tudor Jones 15,400 sh (+105.33%)
Richard Pzena 1,754,838 sh (+6.03%)
James Barrow 104,932 sh (+5.41%)
Zeke Ashton 60,000 sh (unchged)
Bernard Horn 117,738 sh (unchged)
Ken Fisher 2,680,330 sh (-0.95%)
David Dreman 193,193 sh (-14.07%)
» 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%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Webster Financial Corp

SymbolPriceYieldDescription
WBSPRE24.906.43Deposit Shs Repr 1/1000th 6 2/5% Non-Cum Perp Pfd Series -E-
WSRFP1377.006.178 1/2 % Perp Conv Pfd Shs Series -A

Ratios

vs
industry
vs
history
P/E(ttm) 15.93
WBS's P/E(ttm) is ranked lower than
69% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. WBS: 15.93 )
Ranked among companies with meaningful P/E(ttm) only.
WBS' s 10-Year P/E(ttm) Range
Min: 10.57  Med: 15.52 Max: 61.08
Current: 15.93
10.57
61.08
Forward P/E 13.79
WBS's Forward P/E is ranked lower than
77% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. WBS: 13.79 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.60
WBS's PE(NRI) is ranked lower than
68% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. WBS: 16.60 )
Ranked among companies with meaningful PE(NRI) only.
WBS' s 10-Year PE(NRI) Range
Min: 10.66  Med: 15.47 Max: 53.98
Current: 16.6
10.66
53.98
P/B 1.33
WBS's P/B is ranked lower than
76% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. WBS: 1.33 )
Ranked among companies with meaningful P/B only.
WBS' s 10-Year P/B Range
Min: 0.13  Med: 1.11 Max: 1.8
Current: 1.33
0.13
1.8
P/S 3.56
WBS's P/S is ranked lower than
69% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. WBS: 3.56 )
Ranked among companies with meaningful P/S only.
WBS' s 10-Year P/S Range
Min: 0.37  Med: 2.83 Max: 4.26
Current: 3.56
0.37
4.26
PFCF 13.33
WBS's PFCF is ranked lower than
66% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. WBS: 13.33 )
Ranked among companies with meaningful PFCF only.
WBS' s 10-Year PFCF Range
Min: 0.36  Med: 8.09 Max: 537.78
Current: 13.33
0.36
537.78
POCF 11.67
WBS's POCF is ranked lower than
67% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. WBS: 11.67 )
Ranked among companies with meaningful POCF only.
WBS' s 10-Year POCF Range
Min: 0.34  Med: 7.35 Max: 104.74
Current: 11.67
0.34
104.74
EV-to-EBIT 19.07
WBS's EV-to-EBIT is ranked lower than
70% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. WBS: 19.07 )
Ranked among companies with meaningful EV-to-EBIT only.
WBS' s 10-Year EV-to-EBIT Range
Min: -240.4  Med: 18.00 Max: 82.8
Current: 19.07
-240.4
82.8
Shiller P/E 25.19
WBS's Shiller P/E is ranked lower than
81% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. WBS: 25.19 )
Ranked among companies with meaningful Shiller P/E only.
WBS' s 10-Year Shiller P/E Range
Min: 2.14  Med: 14.50 Max: 156.92
Current: 25.19
2.14
156.92
Days Sales Outstanding 121.69
WBS's Days Sales Outstanding is ranked lower than
80% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. WBS: 121.69 )
Ranked among companies with meaningful Days Sales Outstanding only.
WBS' s 10-Year Days Sales Outstanding Range
Min: 29.81  Med: 55.10 Max: 198.82
Current: 121.69
29.81
198.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.54
WBS's Dividend Yield is ranked lower than
57% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. WBS: 2.54 )
Ranked among companies with meaningful Dividend Yield only.
WBS' s 10-Year Dividend Yield Range
Min: 0.17  Med: 2.05 Max: 38.1
Current: 2.54
0.17
38.1
Dividend Payout 0.39
WBS's Dividend Payout is ranked lower than
59% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. WBS: 0.39 )
Ranked among companies with meaningful Dividend Payout only.
WBS' s 10-Year Dividend Payout Range
Min: 0.03  Med: 0.25 Max: 1.59
Current: 0.39
0.03
1.59
Dividend growth (3y) 67.40
WBS's Dividend growth (3y) is ranked higher than
96% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. WBS: 67.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
WBS' s 10-Year Dividend growth (3y) Range
Min: -67.5  Med: 10.30 Max: 139.6
Current: 67.4
-67.5
139.6
Yield on cost (5-Year) 70.88
WBS's Yield on cost (5-Year) is ranked higher than
99% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. WBS: 70.88 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WBS' s 10-Year Yield on cost (5-Year) Range
Min: 4.74  Med: 57.21 Max: 1063.26
Current: 70.88
4.74
1063.26
Share Buyback Rate 0.40
WBS's Share Buyback Rate is ranked higher than
83% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. WBS: 0.40 )
Ranked among companies with meaningful Share Buyback Rate only.
WBS' s 10-Year Share Buyback Rate Range
Min: 1.4  Med: -3.20 Max: -22.3
Current: 0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.84
WBS's Price/Tangible Book is ranked lower than
84% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. WBS: 1.84 )
Ranked among companies with meaningful Price/Tangible Book only.
WBS' s 10-Year Price/Tangible Book Range
Min: 0.33  Med: 2.07 Max: 3.46
Current: 1.84
0.33
3.46
Price/Projected FCF 0.68
WBS's Price/Projected FCF is ranked lower than
57% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. WBS: 0.68 )
Ranked among companies with meaningful Price/Projected FCF only.
WBS' s 10-Year Price/Projected FCF Range
Min: 0.05  Med: 0.76 Max: 1.36
Current: 0.68
0.05
1.36
Price/Median PS Value 1.26
WBS's Price/Median PS Value is ranked lower than
79% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. WBS: 1.26 )
Ranked among companies with meaningful Price/Median PS Value only.
WBS' s 10-Year Price/Median PS Value Range
Min: 0.19  Med: 1.04 Max: 1.63
Current: 1.26
0.19
1.63
Price/Peter Lynch Fair Value 1.26
WBS's Price/Peter Lynch Fair Value is ranked lower than
71% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. WBS: 1.26 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
WBS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.49  Med: 0.98 Max: 8.57
Current: 1.26
0.49
8.57
Price/Graham Number 1.07
WBS's Price/Graham Number is ranked lower than
76% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. WBS: 1.07 )
Ranked among companies with meaningful Price/Graham Number only.
WBS' s 10-Year Price/Graham Number Range
Min: 0.48  Med: 1.08 Max: 1.84
Current: 1.07
0.48
1.84
Earnings Yield (Greenblatt) (%) 5.21
WBS's Earnings Yield (Greenblatt) (%) is ranked lower than
63% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. WBS: 5.21 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WBS' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.2  Med: 5.20 Max: 7.8
Current: 5.21
1.2
7.8
Forward Rate of Return (Yacktman) (%) 21.33
WBS's Forward Rate of Return (Yacktman) (%) is ranked higher than
64% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. WBS: 21.33 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WBS' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -3  Med: 14.50 Max: 152.1
Current: 21.33
-3
152.1

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 889 956 1,053
EPS($) 2.20 2.46 2.80
EPS without NRI($) 2.20 2.46 2.80

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:WED.Germany, 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 NYSE:WBS

Headlines

Articles On GuruFocus.com
Zeke Ashton Makes Nine New Buys in First Quarter Jun 17 2015 
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 

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Webster Named ‘Best Bank’ in New Haven Jul 27 2015
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Webster and SBA Help Link Encore Entrepreneurs to Resources and Expertise Jul 20 2015

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