NYSE$WBS

Webster Financial Corporation · Q4 2023 earnings

Q4 2023 earnings · · Investor relations

Briefing

Net income available to common stockholders was $181.2 million, or $1.05 per diluted share, for the quarter ended December 31, 2023.

Webster Financial Corporation reported a net income available to common stockholders of $181.2 million, or $1.05 per diluted share, for Q4 2023. Adjusted earnings per diluted share were $1.46, excluding charges related to a FDIC special assessment, the merger with Sterling Bancorp, and securities repositioning. The company's revenue reached $634.8 million, and they saw growth in loan and deposit balances.

  • Reported EPS of $1.05, with adjusted EPS at $1.46 after excluding certain charges.
  • Revenue totaled $634.8 million for the quarter.
  • Period-end loan and lease balance increased to $50.7 billion, up 1.3% from the prior quarter.
  • Period-end deposit balance reached $60.8 billion, a 0.7% increase from the previous quarter.

Headline financials

Total Revenue

$571M

Previous: $602M-5.2%
EPS (adj)

$1.46

Previous: $1.60-8.8%
Net Interest Margin

3.4%

Previous: 3.7%-8.6%
Efficiency Ratio

43.0%

Previous: 40.3%+6.9%
Capital Expenditures

$6.32M

Previous: $10.2M-38.2%
Net Income

$185M

Previous: $245M-24.3%
Operating Income

$222M

Previous: $313M-29.2%
Gross Profit

$997M

Previous: $704M+41.6%
Stock-Based Comp

$13.9M

Previous: $10.9M+27.8%

Revenue & EPS history

Webster · Revenue · Quarterly

$571M

Q4 2023-5.2%vs Q4 2022
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

Webster's management expressed confidence in the company's strong financial position and proactive actions, which they believe will lead to continued success in 2024.

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 Q4 2023

Historical avgQ4 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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