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Webster Financial Earnings Calls
| Release date | Oct 17, 2025 |
| EPS estimate | $1.52 |
| EPS actual | $1.54 |
| EPS Surprise | 1.32% |
| Revenue estimate | 731.251M |
| Revenue actual | 732.573M |
| Revenue Surprise | 0.181% |
| Release date | Jul 17, 2025 |
| EPS estimate | $1.44 |
| EPS actual | $1.52 |
| EPS Surprise | 5.56% |
| Revenue estimate | 716.592M |
| Revenue actual | 715.839M |
| Revenue Surprise | -0.105% |
| Release date | Apr 24, 2025 |
| EPS estimate | $1.38 |
| EPS actual | $1.30 |
| EPS Surprise | -5.80% |
| Revenue estimate | 706.467M |
| Revenue actual | 704.798M |
| Revenue Surprise | -0.236% |
| Release date | Jan 17, 2025 |
| EPS estimate | $1.34 |
| EPS actual | $1.43 |
| EPS Surprise | 6.72% |
| Revenue estimate | 683.7M |
| Revenue actual | 660.975M |
| Revenue Surprise | -3.32% |
Last 4 Quarters for Webster Financial
Below you can see how WBS performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jan 17, 2025 |
| Price on release | $59.67 |
| EPS estimate | $1.34 |
| EPS actual | $1.43 |
| EPS surprise | 6.72% |
| Date | Price |
|---|---|
| Jan 13, 2025 | $54.84 |
| Jan 14, 2025 | $56.46 |
| Jan 15, 2025 | $58.16 |
| Jan 16, 2025 | $57.94 |
| Jan 17, 2025 | $59.67 |
| Jan 21, 2025 | $60.27 |
| Jan 22, 2025 | $59.31 |
| Jan 23, 2025 | $58.62 |
| Jan 24, 2025 | $58.97 |
| 4 days before | 8.81% |
| 4 days after | -1.17% |
| On release day | 1.01% |
| Change in period | 7.53% |
| Release date | Apr 24, 2025 |
| Price on release | $47.90 |
| EPS estimate | $1.38 |
| EPS actual | $1.30 |
| EPS surprise | -5.80% |
| Date | Price |
|---|---|
| Apr 17, 2025 | $45.15 |
| Apr 21, 2025 | $44.54 |
| Apr 22, 2025 | $46.16 |
| Apr 23, 2025 | $47.16 |
| Apr 24, 2025 | $47.90 |
| Apr 25, 2025 | $47.50 |
| Apr 28, 2025 | $47.64 |
| Apr 29, 2025 | $47.70 |
| Apr 30, 2025 | $47.30 |
| 4 days before | 6.09% |
| 4 days after | -1.25% |
| On release day | -0.84% |
| Change in period | 4.76% |
| Release date | Jul 17, 2025 |
| Price on release | $60.05 |
| EPS estimate | $1.44 |
| EPS actual | $1.52 |
| EPS surprise | 5.56% |
| Date | Price |
|---|---|
| Jul 11, 2025 | $58.88 |
| Jul 14, 2025 | $59.65 |
| Jul 15, 2025 | $57.91 |
| Jul 16, 2025 | $58.44 |
| Jul 17, 2025 | $60.05 |
| Jul 18, 2025 | $60.85 |
| Jul 21, 2025 | $60.32 |
| Jul 22, 2025 | $61.46 |
| Jul 23, 2025 | $61.84 |
| 4 days before | 1.99% |
| 4 days after | 2.98% |
| On release day | 1.33% |
| Change in period | 5.03% |
| Release date | Oct 17, 2025 |
| Price on release | $54.27 |
| EPS estimate | $1.52 |
| EPS actual | $1.54 |
| EPS surprise | 1.32% |
| Date | Price |
|---|---|
| Oct 13, 2025 | $57.18 |
| Oct 14, 2025 | $59.44 |
| Oct 15, 2025 | $58.20 |
| Oct 16, 2025 | $54.10 |
| Oct 17, 2025 | $54.27 |
| Oct 20, 2025 | $54.83 |
| Oct 21, 2025 | $56.10 |
| Oct 22, 2025 | $55.91 |
| Oct 23, 2025 | $55.81 |
| 4 days before | -5.09% |
| 4 days after | 2.84% |
| On release day | 1.03% |
| Change in period | -2.40% |
Webster Financial Earnings Call Transcript Summary of Q3 2025
Webster Financial reported a strong Q3 2025: ROTE of 18%, ROA ~1.3%, EPS $1.54, and quarter-over-quarter loan and deposit growth of ~2%+. Total assets were $83B. Loan growth was broad-based across categories (including CRE pickup) and was funded largely with diverse deposit inflows (seasonal public funds, commercial and healthcare-related deposits). Net interest income rose modestly (+$10M) but NIM compressed ~4 bps to 3.4% due to mix and tighter spreads on new originations. Noninterest income benefited from higher swap and a $4M legal settlement. Noninterest expense rose (incentive accruals) and provision was $44M. Asset quality is improving: criticized loans down >7%, nonaccruals roughly flat, charge-offs ~28 bps (near the low end of normalized range). The private credit JV with Marathon is operational with early positive traction. HSA Bank sees a meaningful addressable market expansion from ACA rule changes and is investing in digital enrollment ahead of 2026. Capital remains strong (CET1 ~11.4%, tangible book up), and Webster repurchased 2.2M shares in the quarter. Guidance/near-term outlook: Q4 NII expected to be roughly flat to Q3, NIM pressure continuing (seasonal deposit outflows and slightly higher debt costs until subordinated debt redemptions), modeststep-back in fees expected absent settlements, and FY25 will be above prior loan growth guidance and near the top of NII guidance. Management remains focused on disciplined, high-quality loan growth, selective capital deployment (organic growth, healthcare-related tuck-ins, and buybacks if excess capital), and monitoring private credit/NDFI exposure closely.
