NASDAQ$WASH

Washington Trust Bancorp Inc · Q2 2022 earnings

Q2 2022 earnings · · Investor relations

Briefing

Reported a good second quarter result, reflecting business model strength.

Washington Trust Bancorp, Inc. reported a net income of $20.0 million, or $1.14 per diluted share, for the second quarter of 2022, compared to a net income of $16.5 million, or $0.94 per diluted share, for the first quarter of 2022.

  • Returns on average equity and average assets for the second quarter were 16.11% and 1.37%, respectively, compared to 12.04% and 1.14%, respectively, for the preceding quarter.
  • Net interest income totaled $37.5 million in the second quarter, up by $2.4 million, or 7%, from the preceding quarter, reflecting the impact of rising market interest rates.
  • Asset and credit quality metrics continue to remain strong with a negative $3.0 million provision for credit losses recognized.
  • Total loans excluding Paycheck Protection Program (PPP) loans amounted to an all-time high of $4.5 billion.

Headline financials

Total Revenue

$53.4M

Previous: $55.3M-3.6%
EPS (adj)

$1.14

Previous: $1.00+14.0%
Net Interest Margin

2.7%

Previous: 2.5%+6.3%
ROA

1.4%

Previous: 1.2%+14.2%
ROE

16.1%

Previous: 12.9%+24.7%
Efficiency Ratio

58.2%

Previous: 59.6%-2.3%
Tier 1 Leverage

9.4%

No prior period
CET1 Ratio

12.3%

No prior period
Equity to Assets

8.0%

No prior period
Loans to Deposits

89.2%

No prior period
Capital Expenditures

-$1.65M

Previous: -$917K-79.6%
Free Cash Flow

$18.3M

Previous: $16.5M+10.7%
Net Income

$20M

Previous: $17.5M+14.3%
Operating Income

$40.9M

Previous: $47.1M-13.3%
Gross Profit

$50.4M

Previous: $55.3M-8.9%
Cash & Equivalents

$98.6M

Previous: $132M-25.4%
Total Assets

$5.98B

Previous: $5.85B+2.2%
Stock-Based Comp

$725K

Previous: $964K-24.8%

Revenue & EPS history

Washington Trust · Revenue · Quarterly

$53.4M

Q2 2022-3.6%vs Q2 2021
Beat estimate in 8 of 16 quarters(50%)
ActualEstimate

Revenue by segment

Washington Trust · $12.1M total across 2 segments · Q2 2022

  • Wealth Mgmt
    $10.1M-3.5%
  • Mortgage Banking
    $2.08M-65.3%

Forward guidance

Washington Trust will host a conference call to discuss its second quarter results, business highlights and outlook on Tuesday, July 26, 2022.

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 Q2 2022

Historical avgQ2 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%

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