NASDAQ$WASH

Washington Trust Bancorp Inc · Q3 2020 earnings

Q3 2020 earnings · · Investor relations

Briefing

Washington Trust reported solid earnings during challenging economic times.

Washington Trust Bancorp, Inc. reported Q3 2020 net income of $18.3 million, or $1.06 per diluted share, reflecting good performances across key business lines, led by strong mortgage banking activity, increases in wealth management assets under administration, and in-market deposit growth.

  • Returns on average equity and average assets for the third quarter were 13.99% and 1.24%, respectively.
  • Wealth management revenues were $9.0 million for the third quarter, up by 4% from the preceding quarter.
  • Mortgage banking revenues totaled $12.4 million, up by 155%, from the same period a year ago.
  • Residential mortgage loan origination activity amounted to an all-time quarterly high of $510 million, up by 20%, from the preceding quarter.

Headline financials

Total Revenue

$57.1M

Previous: $51.3M+11.3%
EPS (adj)

$1.06

Previous: $1.08-1.9%
Net Interest Margin

2.3%

No prior period
ROA

1.2%

No prior period
ROE

14.0%

No prior period
Efficiency Ratio

56.6%

No prior period
Tier 1 Leverage

8.8%

No prior period
CET1 Ratio

11.7%

No prior period
Capital Expenditures

-$406K

Previous: -$797K+49.1%
Free Cash Flow

$17.9M

Previous: $18M-0.6%
Net Income

$18.3M

Previous: $18.8M-2.6%
Operating Income

$43.8M

Previous: $35.2M+24.4%
Gross Profit

$55.8M

Previous: $50.9M+9.6%
Cash & Equivalents

$212M

Previous: $146M+45.1%
Total Assets

$5.85B

Previous: $5.2B+12.5%
Stock-Based Comp

$1.08M

Previous: $792K+36.7%

Revenue & EPS history

Washington Trust · Revenue · Quarterly

$57.1M

Q3 2020+11.3%vs Q3 2019
Beat estimate in 10 of 16 quarters(63%)
ActualEstimate

Revenue by segment

Washington Trust · $21.3M total across 2 segments · Q3 2020

  • Mortgage Banking
    $12.4M+155.2%
  • Wealth Mgmt
    $8.95M-2.2%

Forward guidance

Washington Trust will host a conference call to discuss its third quarter results, business highlights and outlook on Tuesday, October 20, 2020.

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 Q3 2020

Historical avgQ3 2020

+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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