NYSE$WBS

Webster Financial Corporation · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

Reported solid deposit and loan growth amidst a challenging environment.

Webster Financial Corporation reported a net income available to common stockholders of $188.8 million, or $1.10 per diluted share, for the quarter ended September 30, 2024. The results include certain adjustments, and excluding these items, adjusted earnings per diluted share would have been $1.34 for the same period. The company saw growth in deposits and loans, with total deposits reaching $64.5 billion and total loans and leases at $51.9 billion.

  • Revenue reached $647.6 million.
  • Period end loans and leases balance increased to $51.9 billion, up 0.7 percent from the prior quarter.
  • Period end deposits balance increased to $64.5 billion, up 3.6 percent from the prior quarter.
  • Net interest margin was 3.36 percent, up 4 basis points from the prior quarter.

Headline financials

Total Revenue

$648M

Previous: $678M-4.4%
EPS

$1.10

Previous: $1.55-29.0%
Net Interest Margin

3.4%

Previous: 3.5%-2.3%
Efficiency Ratio

45.8%

Previous: 41.8%+9.7%
ROE

8.7%

No prior period
ROATCE

14.3%

No prior period
Capital Expenditures

-$23.5M

Previous: -$34M+30.8%
Free Cash Flow

$169M

Previous: $192M-12.0%
Net Income

$193M

Previous: $226M-14.8%
Operating Income

$299M

Previous: $315M-5.2%
Gross Profit

$593M

Previous: $639M-7.1%
Cash & Equivalents

$3.2B

Previous: $2.17B+47.2%
Total Assets

$79.5B

Previous: $73.1B+8.6%
Stock-Based Comp

$14.4M

Previous: $14.4M-0.2%

Revenue & EPS history

Webster · Revenue · Quarterly

$648M

Q3 2024-4.4%vs Q3 2023
Beat estimate in 7 of 15 quarters(47%)
ActualEstimate

Revenue by segment

Webster · $520M total across 2 segments · Q3 2023

  • Commercial Banking
    $422M+12.8%
  • Healthcare Financial
    $98.5M+16.7%

Forward guidance

This release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are based on Webster’s current expectations and assumptions regarding its business, the economy, and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks, and changes in circumstances that are difficult to predict.

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 2024

Historical avgQ3 2024

+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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