Company: WBS-PG
Filing Date: 2025-09-05
Form Type: 424B5
Source: 0001193125-25-197211
Chunk: 77

Company: WEBSTER FINANCIAL CORP
Filing Date: 2025-09-05
Form: 424B5
Chunk 77
---
 arrangements, flexible spending accounts, and commuter benefits.

On January 31, 2022, Webster completed a merger with Sterling Bancorp in an all-stock transaction valued at
$5.2 billion. The merger expanded our geographic footprint and combined two complementary organizations to create one of the largest commercial banks in the northeastern U.S.

Our common stock is listed on the New York Stock Exchange under the symbol “WBS”. Our principal executive offices are located at 200 Elm Street,
Stamford, Connecticut 06902. Our telephone number is (203) 578-2202.

5

RISK FACTORS

Investing in our securities involves certain risks. Before you invest in any of our securities, in addition to the other information included in, or
incorporated by reference into, this prospectus, you should carefully consider the risk factors contained in Item 1A under the caption “Risk Factors” and elsewhere in our most recent Annual Report on
Form 10-K for the fiscal year ended December 31, 2022 and our Quarterly Reports on Form 10-Q for the fiscal quarters ended March 31, 2023,
June 30, 2023 and September 30, 2023, which are incorporated into this prospectus by reference, as updated by our annual or quarterly reports for subsequent fiscal years or fiscal quarters that we file with the SEC and that are so
incorporated. See “Where You Can Find More Information” for information about how to obtain a copy of these documents. You should also carefully consider the risks and other information that may be contained in, or incorporated by
reference into, any prospectus supplement relating to specific offerings of securities.

6

USE OF PROCEEDS Unless otherwise indicated in the applicable prospectus supplement, we expect to use the net proceeds from the sale of offered securities for general corporate purposes, including:

| • |     | refinancing, reduction or repayment of debt; |

| • |     | investments in Webster Bank and our other subsidiaries as regulatory capital or to otherwise finance their 
 activities;                                                                                                |

| • |     | financing of possible future acquisitions; |

| • |     | expansion of the business; |

| • |     | payment of dividends; |

| • |     | repurchase of shares of our common stock or other securities; |

| • |     | investments at the holding company level; and |

| • |     | other general corporate purposes. |

We will not receive proceeds from sales of securities by selling securityholders except