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Mar 31, 2025
Webster Q1 2025 Earnings Report
Webster reported solid earnings growth driven by net interest income and expanding loan and deposit balances.
Key Takeaways
Webster Financial delivered a strong Q1 2025 with increases in net income and revenue, though elevated credit loss provisions reflect caution amid economic uncertainty.
Net income reached $220,367,000, up from $210,059,000 in Q1 2024.
Revenue grew to $704,798,000, driven by higher net interest income.
Provision for credit losses rose to $77,500,000 as a risk management measure.
Non-performing loans increased to 1.06% of total loans and leases.
Revenue by Segment
Forward Guidance
Webster emphasized preparedness for a wider range of economic scenarios due to increased market volatility.
Positive Outlook
- Continued growth in loans and deposits.
- Strong net interest margin performance.
- Solid return on tangible equity.
- Improved capital ratios including CET1.
- Expanded digital and healthcare financial service platforms.
Challenges Ahead
- Higher provision for credit losses.
- Rising non-performing loans and leases.
- Decreased non-interest income year-over-year.
- Increased non-interest expense from investments in infrastructure.
- Macroeconomic uncertainty influencing outlook.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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