NASDAQ$WASH

Washington Trust Bancorp Inc · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Reported net income of $11.2 million for the third quarter of 2023.

Washington Trust Bancorp reported a net income of $11.2 million, or $0.65 per diluted share, for the third quarter of 2023. The corporation's performance reflects its core strength and resilience in managing difficult operating conditions. They continue to attract new business across all lines.

  • Net income was $11.2 million, or $0.65 per diluted share.
  • Net interest income totaled $33.8 million, up 1% from the preceding quarter.
  • Total loans amounted to $5.6 billion, up 4% from the end of the preceding quarter.
  • In-market deposits amounted to $4.7 billion, up 1% from June 30, 2023.

Headline financials

Total Revenue

$49M

Previous: $57.8M-15.3%
EPS (adj)

$0.65

Previous: $1.08-39.8%
Net Interest Margin

2.0%

Previous: 2.8%-30.1%
ROA

0.6%

Previous: 1.2%-47.9%
ROE

9.7%

Previous: 15.2%-36.3%
Efficiency Ratio

70.2%

Previous: 57.2%+22.7%
Loans to Deposits

103.1%

No prior period
Nonaccrual Loans to Loans

0.6%

No prior period
Capital Expenditures

-$504K

Previous: -$1.34M+62.5%
Free Cash Flow

$10.7M

Previous: $17.3M-38.5%
Net Income

$11.2M

Previous: $18.7M-40.2%
Operating Income

$6.15M

Previous: $43.9M-86.0%
Gross Profit

$48.1M

Previous: $57.2M-16.0%
Cash & Equivalents

$113M

Previous: $130M-13.1%
Total Assets

$7.18B

Previous: $6.41B+12.1%
Stock-Based Comp

$624K

Previous: $976K-36.1%

Revenue & EPS history

Washington Trust · Revenue · Quarterly

$49M

Q3 2023-15.3%vs Q3 2022
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Revenue by segment

Washington Trust · $11.1M total across 2 segments · Q3 2023

  • Wealth Mgmt
    $8.95M-6.1%
  • Mortgage Banking
    $2.11M+3.0%

Forward guidance

Washington Trust will host a conference call to discuss its third quarter results, business highlights and outlook on Tuesday, October 24, 2023.

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 2023

Historical avgQ3 2023

+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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