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Sep 30, 2022

Webster Q3 2022 Earnings Report

Reported EPS of $1.31 and adjusted EPS of $1.46, driven by strong revenue growth and effective cost management.

Key Takeaways

Webster Financial Corporation reported a strong third quarter in 2022, with net income available to common shareholders of $229.8 million, or $1.31 per diluted share. Excluding expenses related to the merger, strategic initiatives, and other charges, earnings per diluted share would have been $1.46. The results reflect the progress in creating a high performing and differentiated company and exceeding targets set forth at the announcement of the MOE.

Revenue reached $664.6 million.

Period end loan and lease balance was $47.8 billion.

Period end deposit balance was $54.0 billion.

Net interest margin was 3.54 percent, up 26 basis points from the prior quarter.

Total Revenue
$551M
Previous year: $230M
+139.9%
EPS
$1.46
Previous year: $1.08
+35.2%
Net Interest Margin
3.54%
Previous year: 2.8%
+26.4%
Efficiency Ratio
41.17%
Previous year: 54.8%
-24.9%
Gross Profit
$46.5M
Previous year: $313M
-85.2%
Cash and Equivalents
$613M
Previous year: $2.6B
-76.5%
Free Cash Flow
$413M
Previous year: $147M
+180.9%
Total Assets
$69.1B
Previous year: $35.4B
+95.2%

Webster

Webster

Webster Revenue by Segment

Forward Guidance

Webster Financial Corporation anticipates net interest income to benefit from higher interest rates and continued execution on efficiencies created in the recent merger.

Revenue & Expenses

Visualization of income flow from segment revenue to net income