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Webster Financial (WBS)
NYSE:WBS
Earnings Data
Report Date
Apr 23, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.53Last Year’s EPS
1.32Same Quarter Last Year
Based on 16 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Overall the call conveyed a positive operational and financial performance profile: solid full-year profitability and capital generation, diversified loan growth, improving credit metrics, and strategic investments in growth verticals. Headwinds include elevated deposit competition, some near-term expense pressure from investments, GAAP adjustments in the quarter, and two remaining concentrated problem loan pools (office and health care) that are being actively managed. Management provided conservative but constructive guidance for 2026 with capital return optionality intact.Company Guidance
Strong Profitability and Returns
Full-year 2025 ROTCE of 17% and ROA of 1.2%; EPS increased 10% year-over-year, indicating improved profitability and shareholder value.
Loan and Deposit Growth
Full-year loans grew ~7.8%-8% and deposits grew 6%; Q4 loans up $1.5B (+2.8%) and assets up $880M (+1%) in the quarter, demonstrating continued balance-sheet expansion.
Tangible Book Value and Capital Actions
Tangible book value per share increased 13% year-over-year (to $37.20 from $36.42 sequentially); accelerated capital distributions with 10.9 million shares repurchased during 2025 (3.6M in Q4).
Net Interest Margin Stability
NIM exited the quarter at 3.35% (December spot) and management expects mid-3.30s (3.35%) as a reasonable 2026 midpoint despite rate movement assumptions.
Improving Asset Quality
Marked credit remediation: commercial classified loans down 5% year-over-year (and down 7% linked-quarter), nonperforming assets down 8% QoQ, criticized loans down 6% QoQ; allowance for credit losses reduced $9M QoQ driven by charge-offs of previously reserved loans.
Diversification and Strategic Investments
Ongoing investments in nontraditional banking verticals (HSA Bank, Mitros, InterSync) and tuck-in M&A (SecureSafe acquisition) to expand deposit and fee-generation capabilities and proprietary distribution.
Guidance for 2026 with Modest Growth
2026 guidance: loan growth 5%–7%, deposit growth 4%–6%, expected revenue midpoint ~$3.0B; GAAP NII guidance $2.57B–$2.63B (assumes two 25bp Fed cuts), fees $390M–$410M, expenses $1.46B–$1.48B.
HSA Bank Opportunity
Management expects newly HSA-eligible ACA plan participants to drive $1B–$2.5B in incremental deposits over five years, including $50M–$100M of growth in 2026, supported by enhanced mobile/web enrollment and DTC account growth.
WBS Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
WBS Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 23, 2026 | $65.86 | $63.74 | -3.22% |
Sep 30, 2025 | $58.84 | $58.70 | -0.23% |
Jul 17, 2025 | $57.30 | $58.88 | +2.75% |
Apr 24, 2025 | $45.87 | $46.59 | +1.57% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Webster Financial (WBS) report earnings?
Webster Financial (WBS) is schdueled to report earning on Apr 23, 2026, Before Open (Confirmed).
What is Webster Financial (WBS) earnings time?
Webster Financial (WBS) earnings time is at Apr 23, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is WBS EPS forecast?
WBS EPS forecast for the fiscal quarter 2026 (Q1) is 1.53.