Company Analysis

Webster Financial Corporation Waterbury (WBS)

WBS · National Commercial Banks · Stamford, CT · filing with the SEC since 1994
Grade5.1
◀ Past 3.4● Present 6.9▶ Future 5.3

The grade of Webster Financial Corporation Waterbury

Nine metrics read from its own filings, by tense
Headline grade
5.1/10
◀ Past3.440% of the headline
● Present6.935% of the headline
▶ Future5.325% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

3.4/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
0.6/10

Has it survived what it has been through?

3 warning events since 2017; the latest 2026-08-20.

weight 45% of this tense · 6th percentile among 83 sector filers · read for itself

From the record

Webster Financial Corporation Waterbury's filings since 2017 show 3 warning events of 2 kinds: a notice about its exchange listing (8-K item 3.01, the latest 2026-08-20); a late-report notice (Form NT 10-K or NT 10-Q, 2 times, the latest 2023-03-01) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
4.8/10

What has it actually done, year after year?

+19.3% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 48th percentile among 79 sector filers · read for its customers

From the record

Webster Financial Corporation Waterbury's 10 filed years say what it did: revenue went from $822 million in fiscal 2016 to $4.0 billion in fiscal 2025, up 19.3% a year; it rose in 7 of 9 years; the deepest fall was 18% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span19.3%top 20% of its family
  • the share of years revenue rosebottom 41% of its family
  • the share of filed years with a profittop 42% of its family
  • the deepest fall from a revenue peak18.3%bottom 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
6.4/10

How has it treated the people who own it?

Share count shrank 0.5% a year. 46% of cash flow returned. Insiders: 5 sales, 0 purchases.

weight 33% of this tense · 64th percentile among 81 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Webster Financial Corporation Waterbury's diluted share count shrank about 0.5% a year, and dividends and buybacks returned about 46% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 5 sales (3 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 36% of its family
  • cash returned against operating cash flowtop 36% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

6.9/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
6.9/10

Is it financially healthy right now?

ROE 11%: 11¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.

weight 45% of this tense · 69th percentile among 83 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Webster Financial Corporation Waterbury earned about 11 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count shrank 2.9% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 40% of its family
  • return on equitytop 39% of its family
  • the share count against the year beforetop 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
7.3/10

How strong is its position in its industry?

top 27% of 79 in its family; net margin 24.9%.

weight 33% of this tense · 73rd percentile among 79 sector filers · read for its customers

From the record

Webster Financial Corporation Waterbury's standing among 79 graded names in its industry family: revenue of $4.0 billion in fiscal 2025 ranks in the top 18% by size; a net margin of 24.9% ranks in the top 28%; revenue growth of 20.7% a year over the last 3 filed years ranks in the top 36% (its annual reports).

What it rests on

  • revenue against the family$4.02Btop 18% of its family
  • net margin24.9%top 28% of its family
  • three-year revenue growth20.7%top 36% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
6.4/10

What are the people in charge doing?

top 36% of 74 in its family for leadership; chief executive since 2018.

weight 22% of this tense · 64th percentile among 74 sector filers · read for its shareholders

From the record

Webster Financial Corporation Waterbury's leadership, from its insiders' filings and its current reports: the chief executive on the record is Ciulla, John R (Chairman and CEO, as filed), filing under that title since 2018-02-09, 8.8 years (top 37% of its family); most of the 29 officers and directors filing now have filed since the record of its people begins (2022-01-31), a floor of 4.8 years the record cannot see past, so that part is not read; 8 officer or director changes were reported on Form 8-K since 2023-11-13, against the 29 people in charge now (top 35%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge8 in three years among 29 peopletop 35% of its family
  • the chief executive's years on the record8.8 yearstop 37% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.3/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
5.4/10

How much room does it have to grow?

top 46% of 71 in its family for room to expand.

weight 33% of this tense · 54th percentile among 71 sector filers · read for itself

From the record

Webster Financial Corporation Waterbury's room to grow, from the newest filed statements (fiscal 2025): cash of $2.4 billion against debt of $739 million leaves 2% of its assets as net cash, bottom 44% of its family; cash from operations less capital spending is 25.1% of revenue (top 37%) (its annual report).

What it rests on

  • cash less debt against assets2.0%bottom 44% of its family
  • cash from operations less capital spending against revenue25.1%top 37% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
5.0/10

What could actually drive growth from here?

top 50% of 79 in its family for growth drivers.

weight 33% of this tense · 50th percentile among 79 sector filers · read for its customers

From the record

Webster Financial Corporation Waterbury's growth drivers, from the filed years to fiscal 2025: revenue grew 20.7% a year over the last three filed years against 19.3% over all 10, speeding up (bottom 36% of its family); the newest year grew 2.4% (bottom 41%); capital spending grew 19.9% a year (top 27%) (its annual reports). Webster Financial Corporation Waterbury tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+1.4 points a yearbottom 36% of its family
  • the newest year's revenue growth2.4%bottom 41% of its family
  • three-year growth of capital spending19.9%top 27% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
5.6/10

Did its newest year beat what its own record pointed to?

top 44% of 76 in its family for expectations against reality.

weight 33% of this tense · 56th percentile among 76 sector filers · read for its shareholders

From the record

Webster Financial Corporation Waterbury's newest year against its own record: revenue of $4.0 billion in fiscal 2025 came in 21.9% below the $5.1 billion its prior three years' pace pointed to (bottom 32% of its family); net income of $1.0 billion against a prior three-year average of $760 million (top 31%); a net margin of 24.9% against 23.9% before (top 34%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-21.9%bottom 32% of its family
  • net income against the prior three years' average+32%top 31% of its family
  • net margin against its prior average+1.0 pointstop 34% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton WBS · research, not advice