NASDAQ$WASH

Washington Trust Bancorp Inc · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

Washington Trust Bancorp reported Q3 2025, revenue of $98.6M, net income of $10.8M, diluted EPS of $0.56.

For Q3 2025, Washington Trust Bancorp reported revenue of $98.6M, net income of $10.8M, diluted EPS was $0.56. Management discusses operating trends, capital, and sector risks in the quarterly filing.

  • Revenue $98.6M.
  • Net income $10.8M.
  • Diluted EPS $0.56.
  • Washington Trust Bancorp MD&A highlights liquidity, capital, and core trends.
  • Segment and macro factors shape year-over-year comparisons.

Headline financials

Total Revenue

$56.5M

Previous: $48.5M+16.3%
EPS (adj)

$0.56

Previous: $0.64-12.5%
Net Interest Margin

2.4%

Previous: 1.9%+29.7%
ROA

0.6%

Previous: 0.6%+6.7%
Adj. ROA

0.6%

Previous: 0.6%+6.7%
ROE

8.1%

Previous: 9.0%-9.5%
Adj. ROE

8.1%

Previous: 9.0%-9.5%
Efficiency Ratio

63.3%

Previous: 71.1%-11.0%
Adj. Efficiency Ratio

63.3%

Previous: 71.1%-11.0%
Total Risk-Based Capital

12.9%

Previous: 12.2%+5.7%
Tier 1 Leverage

8.4%

Previous: 7.8%+7.4%
CET1 Ratio

11.6%

Previous: 10.9%+6.3%
Equity to Assets

7.9%

Previous: 7.0%+12.8%
Loans to Deposits

98.0%

Previous: 106.2%-7.7%
Nonaccrual Loans to Loans

0.3%

Previous: 0.6%-51.8%
Past Due Loans to Loans

0.2%

Previous: 0.4%-56.8%
ACL to Total Loans

0.7%

Previous: 0.8%-7.8%
NPAs to Total Assets

0.2%

Previous: 0.4%-52.3%
ACL to Nonaccrual Loans

261.0%

Previous: 136.9%+90.6%
Net Charge-offs to Avg Loans

0.9%

Previous: 0.0%
Provision for Credit Losses

$6.95M

Previous: $300K+2216.7%
Assets Under Admin

$7.68B

Previous: $7.05B+8.9%
Total Loans

$5.12B

Previous: $5.51B-7.1%
In-Market Deposits

$5.22B

Previous: $4.79B+9.0%
Total Shareholders’ Equity

$533M

Previous: $502M+6.1%
Capital Expenditures

-$833K

Previous: -$3.52M+76.3%
Net Income

$10.8M

Previous: $11M-1.2%
Operating Income

$13.9M

Previous: $3.35M+315.7%

Revenue & EPS history

Washington Trust · Revenue · Quarterly

$56.5M

Q3 2025+16.3%vs Q3 2024
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

Regional and money-center banks emphasize net interest margin, credit quality, and capital returns.

Tailwinds

  • Net interest income and deposit mix optimization.
  • Fee income from payments and wealth.
  • Capital ratios supporting dividends and buybacks.

Headwinds

  • Commercial real estate and consumer credit risk.
  • Deposit competition and funding costs.
  • Rate path uncertainty on NIM.

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 2025

Historical avgQ3 2025

+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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