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Market Price

56.43 

0.49 0.9%

as of Apr 09 '21

52 Week Range:

19.76 63.81


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Webster Financial Corporation operates as the holding company for Webster Bank, National Association that provides financial services to individuals, families, and businesses in the United States. It operates through four segments: Commercial Banking, Community Banking, HSA Bank, and Private Banking. The Commercial Banking segment provides lending, deposit, and cash management services to middle market companies; and asset-based lending, commercial real estate, and equipment finance, as well as treasury and payment services, which include government and institutional banking. The Community Banking segment offers deposit and fee-based services, residential mortgages, home equity lines/loans, unsecured consumer loans, and credit cards to consumers, as well as investment and securities-related services, including brokerage and investment advice through a strategic partnership with LPL Financial Holdings Inc. This segment also provides credit, deposit, and cash flow management products to businesses and professional service firms. The HSA Bank segment offers health savings accounts, health reimbursement accounts, flexible spending accounts, and other financial solutions to employers for the benefit of their employees and individuals. The Private Banking segment provides relationship banking services for high net worth clients, not-for-profit organizations, and business clients for asset management, trust, loan, and deposit products and financial planning services. The company also provides its services telephone and mobile banking services, as well as through its Website. As of February 14, 2018, it operated 167 banking centers and 334 ATMs. Webster Financial Corporation was founded in 1935 and is headquartered in Waterbury, Connecticut.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 20.08
20.77
22.86
22.41
23.89
24.90
26.04
27.34
28.98
32.68
34.09
growth rate 3.4% 10.1% -2.0% 6.6% 4.2% 4.6% 5.0% 6.0% 12.8% 4.3%
Earnings BIT 87.69
207.33
248.36
256.22
338.04
347.15
356.99
408.86
483.63
524.49
417.72
growth rate 136.4% 19.8% 3.2% 31.9% 2.7% 2.8% 14.5% 18.3% 8.5% -20.4%
Avg.PE 32.79
12.82
11.05
16.75
17.01
16.99
24.36
21.19
19.41
19.41
19.41
growth rate -60.9% -13.8% 51.6% 1.6% -0.1% 43.4% -13.0% -8.4% 0.0% 0.0%
ROA 0.28
0.81
0.88
0.82
0.87
0.83
0.78
0.94
1.30
1.29
0.67
growth rate 189.3% 8.6% -6.8% 6.1% -4.6% -6.0% 20.5% 38.3% -0.8% -48.1%
ROE 3.02
8.32
9.11
8.41
8.92
8.83
8.45
9.95
13.28
12.85
6.87
growth rate 175.5% 9.5% -7.7% 6.1% -1.0% -4.3% 17.8% 33.5% -3.2% -46.5%
ROIC 6.76
7.33
6.51
5.51
5.22
growth rate 8.4% -11.2% -15.4% -5.3%
Leverage 10.34
10.30
10.37
10.13
10.38
10.76
10.84
10.36
10.07
9.92
10.55
growth rate -0.4% 0.7% -2.3% 2.5% 3.7% 0.7% -4.4% -2.8% -1.5% 6.4%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 237.04
259.74
260.69
56.70
56.60
294.46
286.68
growth rate 9.6% 0.4% -78.3% -0.2% 420.3% -2.6%
Acct.Payable 242.64
284.35
176.94
15,651.61
17,952.78
19,303.86
20,993.73
21,858.85
23,324.75
27,335.44
growth rate 17.2% -37.8% 8,745.6% 14.7% 7.5% 8.8% 4.1% 6.7% 17.2%
Cur.Assets 616.70
714.78
553.36
550.55
637.02
727.53
869.37
growth rate 15.9% -22.6% -0.5% 15.7% 14.2% 19.5%
Total Assets 18,033.90
18,714.34
20,146.80
20,853.00
22,533.17
24,641.12
26,072.53
26,487.65
27,610.32
30,389.34
32,590.69
growth rate 3.8% 7.7% 3.5% 8.1% 9.4% 5.8% 1.6% 4.2% 10.1% 7.2%
Cash 212.70
6,284.38
56.30
-28.70
223.24
90.29
132.06
148.86
248.30
164.10
263.10
growth rate 2,854.6% -99.1% -100.0% 100.0% -59.6% 46.3% 12.7% 66.8% -33.9% 60.3%
Inventory 6.52
5.03
3.91
6.06
6.87
6.47
2.31
growth rate -22.8% -22.2% 55.1% 13.2% -5.7% -64.3%
Cur.Liabilities 18,792.79
20,788.43
22,157.06
22,683.87
24,039.10
25,984.75
28,299.43
growth rate 10.6% 6.6% 2.4% 6.0% 8.1% 8.9%
Liabilities 16,264.60
16,868.57
18,053.20
18,643.80
20,210.36
22,227.16
23,545.52
23,785.69
24,723.80
27,181.57
29,356.07
growth rate 3.7% 7.0% 3.3% 8.4% 10.0% 5.9% 1.0% 3.9% 9.9% 8.0%
LT Debt 2,010.00
2,011.00
2,161.90
2,280.80
1,360.67
1,363.47
1,337.92
1,052.87
649.80
998.84
875.83
growth rate 0.1% 7.5% 5.5% -40.3% 0.2% -1.9% -21.3% -38.3% 53.7% -12.3%
Equity 1,769.20
1,845.77
2,093.50
2,057.50
2,171.17
2,291.25
2,404.30
2,556.90
2,741.48
3,062.73
3,089.59
growth rate 4.3% 13.4% -1.7% 5.5% 5.5% 4.9% 6.4% 7.2% 11.7% 0.9%
Common Shares 82.00
92.00
92.00
90.00
91.00
92.00
92.00
92.00
92.00
92.00
90.00
growth rate 12.2% 0.0% -2.2% 1.1% 1.1% 0.0% 0.0% 0.0% 0.0% -2.2%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 18.00
28.87
21.98
21.89
30.04
36.12
40.73
28.55
32.96
25.72
21.28
growth rate 60.4% -23.9% -0.4% 37.3% 20.2% 12.8% -29.9% 15.5% -22.0% -17.3%
Cash Dividends 21.20
17.26
33.13
59.76
77.99
89.68
97.62
102.73
122.83
148.66
152.84
growth rate -18.6% 91.9% 80.4% 30.5% 15.0% 8.9% 5.2% 19.6% 21.0% 2.8%
Cash From OA 337.10
266.13
257.08
476.72
243.00
302.79
398.15
444.97
469.41
303.85
380.55
growth rate -21.1% -3.4% 85.4% -49.0% 24.6% 31.5% 11.8% 5.5% -35.3% 25.2%
FCF per Share 3.88
3.25
2.57
4.69
2.94
2.75
2.95
5.21
6.58
0.86
3.45
growth rate -16.2% -20.9% 82.5% -37.3% -6.5% 7.3% 76.6% 26.3% -86.9% 301.2%
Sale Purchase of Stock -26.63
70.64
2.77
2.66
3.06
11.76
8.26
growth rate 100.0% -96.1% -3.9% 15.2% 284.4% -29.8%
FCF 318.00
240.00
235.00
455.00
243.00
271.00
357.00
416.00
436.00
278.00
359.00
growth rate -24.5% -2.1% 93.6% -46.6% 11.5% 31.7% 16.5% 4.8% -36.2% 29.1%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 738.50
876.77
886.26
878.69
793.30
853.10
926.64
1,014.87
1,147.25
1,202.64
1,038.92
growth rate 18.7% 1.1% -0.9% -9.7% 7.5% 8.6% 9.5% 13.0% 4.8% -13.6%
Op.Income 84.50
149.38
173.70
179.55
317.05
328.14
335.11
383.50
480.23
508.49
332.35
growth rate 76.8% 16.3% 3.4% 76.6% 3.5% 2.1% 14.4% 25.2% 5.9% -34.6%
IBT 84.52
207.33
248.36
256.22
291.70
297.76
303.45
353.79
441.63
486.69
279.97
growth rate 145.3% 19.8% 3.2% 13.9% 2.1% 1.9% 16.6% 24.8% 10.2% -42.5%
Net Income 72.30
149.38
173.70
179.50
199.73
204.73
207.13
255.44
360.42
382.72
220.62
growth rate 106.6% 16.3% 3.3% 11.3% 2.5% 1.2% 23.3% 41.1% 6.2% -42.4%
EPS 0.57
1.61
1.86
1.86
2.08
2.13
2.16
2.67
3.81
4.06
2.35
growth rate 182.5% 15.5% 0.0% 11.8% 2.4% 1.4% 23.6% 42.7% 6.6% -42.1%
Gross Profit 793.30
853.10
926.64
1,014.87
1,147.25
1,202.64
1,038.92
growth rate 7.5% 8.6% 9.5% 13.0% 4.8% -13.6%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 239.18
125.34
107.90
110.32
74.16
growth rate -47.6% -13.9% 2.2% -32.8%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable
growth rate
Acct.Payable 23,324.75
24,513.84
26,356.00
26,920.55
27,335.44
growth rate 5.1% 7.5% 2.1% 1.5%
Cur.Assets 5,551.81
898.43
963.66
846.22
869.37
growth rate -83.8% 7.3% -12.2% 2.7%
Total Assets 30,389.34
31,654.87
32,708.62
32,994.44
32,590.69
growth rate 4.2% 3.3% 0.9% -1.2%
Cash 164.10
267.94
303.12
208.60
263.10
growth rate 63.3% 13.1% -31.2% 26.1%
Inventory 6.47
6.83
5.33
4.68
2.31
growth rate 5.5% -22.0% -12.2% -50.6%
Cur.Liabilities 26,641.21
27,303.59
27,886.59
28,561.64
28,299.43
growth rate 2.5% 2.1% 2.4% -0.9%
Liabilities 27,181.57
28,564.63
29,533.84
29,774.75
29,356.07
growth rate 5.1% 3.4% 0.8% -1.4%
LT Debt 998.84
1,079.61
1,464.46
1,027.09
875.83
growth rate 8.1% 35.7% -29.9% -14.7%
Equity 3,207.77
2,945.21
3,029.74
3,074.65
3,089.59
growth rate -8.2% 2.9% 1.5% 0.5%
Common Shares 91.92
0.94
0.94
0.94
0.94
growth rate -99.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 6.95
3.55
4.27
6.20
7.26
growth rate -48.9% 20.3% 45.2% 17.2%
Cash Dividends -38.78
38.70
38.05
38.04
38.05
growth rate 100.0% -1.7% 0.0% 0.0%
Cash From OA 18.54
-61.59
102.47
120.62
219.05
growth rate -100.0% 100.0% 17.7% 81.6%
Sale Purchase of Stock
growth rate
FCF 11.59
-65.14
98.20
114.42
211.79
growth rate -100.0% 100.0% 16.5% 85.1%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 709.61
228.18
244.48
271.57
294.69
growth rate -67.8% 7.2% 11.1% 8.5%
Op.Income 239.18
55.03
73.88
92.86
110.58
growth rate -77.0% 34.3% 25.7% 19.1%
IBT 116.44
49.34
67.90
87.57
75.16
growth rate -57.6% 37.6% 29.0% -14.2%
Net Income 90.47
38.20
53.10
69.28
60.04
growth rate -57.8% 39.0% 30.5% -13.3%
EPS
growth rate
Gross Profit 917.90
228.18
244.48
271.57
294.69
growth rate -75.1% 7.2% 11.1% 8.5%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (18.99)

YOY Growth Grade:

D (38.83)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 19.41 18.09 14.99
EPS / Growth 5.8% 3.12 18.3%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 5.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.5% 5.7% 5.7%
Future PE 10.96 15.24 15.24
Future EPS 5.32 5.41 5.41
Value Price
MOS %
14.41
-74.5%
20.38
-63.9%
20.38
-63.9%
MOS Price 7.21 10.19 10.19
IRT 12.41 12.30 12.30

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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