NASDAQ$WASH

Washington Trust Bancorp Inc · Q1 2022 earnings

Q1 2022 earnings · · Investor relations

Briefing

Reported solid first quarter results, impacted by market volatility and economic uncertainty, but maintained a strong balance sheet, capital position, and credit quality.

Washington Trust Bancorp reported a net income of $16.5 million, or $0.94 per diluted share, for the first quarter of 2022. While overall earnings were impacted by market volatility and economic uncertainty, the company's balance sheet, capital position, and credit quality remained strong. Total loans excluding PPP loans reached an all-time high, and in-market deposits also hit a record.

  • Returns on average equity and average assets were 12.04% and 1.14%, respectively.
  • Asset and credit quality metrics remained strong, with a modest $100 thousand provision for credit losses recognized.
  • Wealth management revenues reached a quarterly high of $10.5 million.
  • Total loans excluding Paycheck Protection Program ("PPP") loans amounted to an all-time high $4.3 billion, up by $36 million, or 1%, from the end of the preceding quarter.

Headline financials

Total Revenue

$52.3M

Previous: $58.8M-11.2%
EPS (adj)

$0.94

Previous: $1.17-19.7%
Net Interest Margin

2.6%

Previous: 2.5%+2.4%
ROE

12.0%

Previous: 15.6%-22.6%
Efficiency Ratio

59.7%

Previous: 59.0%+1.2%
Tier 1 Leverage

9.5%

No prior period
CET1 Ratio

12.8%

No prior period
Loans to Deposits

83.1%

No prior period
Capital Expenditures

-$834K

Previous: -$911K+8.5%
Free Cash Flow

$15.6M

Previous: $19.6M-20.0%
Net Income

$16.5M

Previous: $20.5M-19.5%
Operating Income

$44.6M

Previous: $49.1M-9.3%
Gross Profit

$52.3M

Previous: $56.9M-8.2%
Cash & Equivalents

$225K

Previous: $171M-99.9%
Total Assets

$5.85B

Previous: $5.72B+2.2%
Stock-Based Comp

$888K

Previous: $918K-3.3%

Revenue & EPS history

Washington Trust · Revenue · Quarterly

$52.3M

Q1 2022-11.2%vs Q1 2021
Beat estimate in 8 of 16 quarters(50%)
ActualEstimate

Revenue by segment

Washington Trust · $14M total across 2 segments · Q1 2022

  • Wealth Mgmt
    $10.5M+6.4%
  • Mortgage Banking
    $3.5M-70.6%

Forward guidance

The Corporation currently expects its full-year 2022 effective tax rate to be approximately 21.5%.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2022

Historical avgQ1 2022

+0.2%

Avg return

Earnings day

+0.3%

Avg return

5 days after

+1.1%

Avg return

30 days after

50%

33 / 66 earnings

Positive

+12.8%

Q4 2025

Best reaction

-12.5%

Q1 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.3%-14.3%-10.8%
Q4 2025+12.8%+18.3%+11.6%
Q3 2025+2.9%+3.7%-0.6%
Q2 2025-2.7%-2.4%+3.1%
Q1 2025-3.6%+1.9%+3.6%
Q4 2024-0.8%+2.9%-1.1%
Q3 2024+4.1%+3.4%+10.0%
Q2 2024+6.2%+5.4%-2.4%
Q1 2024+3.6%+2.3%+5.8%
Q4 2023-4.1%-0.2%-14.6%
Q3 2023-9.0%-11.4%+7.6%
Q2 2023+2.1%+11.5%-4.3%
Q1 2023-12.5%-14.2%-21.8%
Q4 2022-11.1%-11.6%-10.2%
Q3 2022+2.0%+1.4%+2.9%
Q2 2022+5.5%+10.4%+7.0%
Q1 2022-2.7%-5.5%-2.8%
Q4 2021-1.9%-2.6%-6.2%
Q3 2021+1.5%-0.7%+5.1%
Q2 2021-7.2%-4.5%+3.8%
Q1 2021+2.3%+4.8%+7.6%
Q4 2020-1.5%-3.0%+5.3%
Q3 2020+2.6%+8.0%+17.8%
Q2 2020+12.0%+8.3%+10.9%
Q1 2020+7.6%+2.8%+2.9%
Q4 2019-7.6%-7.6%-9.8%
Q3 2019+3.7%+1.9%+6.7%
Q2 2019-6.5%-2.9%-7.9%
Q1 2019+2.8%+2.6%+5.0%
Q4 2018-3.8%-1.0%-1.4%
Q3 2018-3.1%-4.8%-4.7%
Q2 2018+3.2%-0.5%+0.8%
Q1 2018+0.5%+1.1%+4.4%
Q4 2017-0.3%+1.8%-2.6%
Q3 2017-6.8%-3.2%-6.5%
Q2 2017+7.1%+6.2%-0.4%
Q1 2017+0.9%-3.8%-4.5%
Q4 2016+8.1%+2.2%+2.9%
Q3 2016+10.7%+10.9%+28.7%
Q2 2016-3.9%-3.5%+5.0%
Q1 2016-1.6%
Q4 2015+7.0%
Q3 2015-2.1%
Q2 2015+2.9%
Q1 2015-0.2%
Q4 2014-1.8%
Q3 2014+2.2%
Q2 2014-2.4%
Q1 2014-0.3%
Q4 2013-3.8%
Q3 2013+3.4%
Q2 2013-0.5%
Q1 2013-0.4%
Q4 2009-0.1%
Q4 2011-0.1%
Q4 2012+0.5%
Q3 2012+0.5%
Q2 2012-0.8%
Q1 2011+0.2%
Q1 2012+1.8%
Q3 2011+2.4%
Q3 2010+2.4%
Q2 2011-3.2%
Q4 2010-3.2%
Q2 2010-3.2%
Q1 2010+0.1%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro