NYSE$WBS

Webster Financial Corporation · Q1 2023 earnings

Q1 2023 earnings · · Investor relations

Briefing

Net income available to common stockholders of $216.8 million, or $1.24 per diluted share, was announced.

Webster Financial Corporation reported a solid first quarter in a challenging banking environment, with net income available to common stockholders at $216.8 million, or $1.24 per diluted share. The results reflect solid performance across diverse business lines, a strong capital position, and effective risk management.

  • Revenue reached $666.0 million.
  • Loans and leases balance at period end was $50.9 billion, a 2.3% increase linked quarter.
  • Deposits balance at period end was $55.3 billion, also up 2.3% linked quarter.
  • Adjusted earnings per diluted share were $1.49, excluding merger-related and balance sheet repositioning charges.

Headline financials

Total Revenue

$666M

Previous: $498M+33.7%
EPS (adj)

$1.49

Previous: $1.24+20.2%
Net Interest Margin

3.7%

Previous: 3.2%+14.0%
Efficiency Ratio

41.6%

Previous: 48.7%-14.5%
Capital Expenditures

-$10.3M

Previous: -$4.64M-121.6%
Free Cash Flow

$211M

Previous: -$21.4M+1085.0%
Net Income

$221M

Previous: -$16.7M+1419.7%
Operating Income

$334M

Previous: $138M+140.9%
Gross Profit

$619M

Previous: $309M+100.4%
Cash & Equivalents

$2.43B

Previous: $793M+206.9%
Total Assets

$74.8B

Previous: $65.1B+14.9%
Stock-Based Comp

$11.6M

Previous: $9M+29.4%

Revenue & EPS history

Webster · Revenue · Quarterly

$666M

Q1 2023+33.7%vs Q1 2022
Beat estimate in 7 of 15 quarters(47%)
ActualEstimate

Revenue by segment

Webster · $516M total across 2 segments · Q1 2023

  • Commercial Banking
    $420M+28.8%
  • Healthcare Financial
    $95.8M+33.9%

Forward guidance

Webster’s financial prospects remain strong and the company took actions that provided ample liquidity and funding optionality going forward.

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 2023

Historical avgQ1 2023

+0.5%

Avg return

Earnings day

+0.8%

Avg return

5 days after

+2.8%

Avg return

30 days after

51%

35 / 69 earnings

Positive

+14.5%

Q3 2020

Best reaction

-11.9%

Q1 2021

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.6%+0.5%+1.1%
Q4 2025-3.2%-2.6%+10.4%
Q3 2025+0.4%+3.3%+4.3%
Q2 2025-1.6%-0.1%+5.3%
Q1 2025+1.6%+1.1%+8.7%
Q4 2024+4.0%+2.4%+2.0%
Q3 2024+8.8%+6.8%+23.5%
Q2 2024-5.0%+0.8%-7.6%
Q1 2024-3.5%-4.5%-7.1%
Q4 2023+0.5%+0.1%-7.9%
Q3 2023-2.9%-5.6%+9.8%
Q2 2023+1.3%+3.4%-5.6%
Q1 2023-2.6%-9.0%-9.5%
Q4 2022+7.5%+11.3%+12.7%
Q3 2022+4.8%+8.9%+8.4%
Q2 2022-2.8%-2.5%+5.9%
Q1 2022+2.7%+3.9%+0.2%
Q4 2021-1.5%-1.6%-2.8%
Q3 2021-0.8%-1.4%-2.7%
Q2 2021-0.9%-1.4%+0.8%
Q1 2021-11.9%-7.1%-0.3%
Q4 2020-2.2%-2.8%+0.1%
Q3 2020+14.5%+5.4%+29.1%
Q2 2020+1.7%-1.0%+2.9%
Q1 2020-1.9%+1.1%+6.6%
Q4 2019-5.2%-8.1%-10.5%
Q3 2019-6.1%-4.8%+0.5%
Q2 2019+4.7%+5.6%-2.9%
Q1 2019-2.8%+0.3%-7.5%
Q4 2018+5.5%+4.1%+4.6%
Q3 2018+4.3%+1.1%+1.9%
Q2 2018+1.5%+2.8%+2.3%
Q1 2018+8.7%+10.1%+18.1%
Q4 2017+0.1%-1.6%-5.2%
Q3 2017+4.7%+4.5%+0.8%
Q2 2017-3.6%-3.4%-12.8%
Q1 2017+3.4%+6.8%-1.5%
Q4 2016+0.2%+1.5%+7.0%
Q3 2016+4.3%+4.8%+23.2%
Q2 2016-1.7%-1.1%+4.1%
Q1 2016-1.4%
Q4 2015-2.6%
Q3 2015-1.5%
Q2 2015-3.3%
Q1 2015-3.6%
Q4 2014+5.7%
Q3 2014+2.7%
Q2 2014-3.7%
Q1 2014+2.7%
Q4 2013+4.6%
Q3 2013+5.3%
Q2 2013+3.6%
Q1 2013-4.0%
Q4 2009+1.3%
Q4 2012+3.7%
Q3 2012-6.0%
Q2 2012+6.3%
Q1 2012+0.4%
Q4 2011-3.8%
Q4 2010-3.8%
Q4 2008-3.8%
Q1 2010-3.8%
Q3 2011+5.5%
Q2 2011-0.9%
Q1 2011+1.2%
Q3 2010+5.3%
Q3 2009+5.3%
Q2 2009-0.5%
Q2 2010-0.5%

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