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Dec 31, 2022

Webster Q4 2022 Earnings Report

Reported strong financial results driven by merger and organic growth.

Key Takeaways

Webster Financial Corporation reported a strong fourth quarter with net income available to common stockholders of $240.6 million, or $1.38 per diluted share. Adjusted EPS was $1.60, excluding merger-related charges. Revenue reached $704.6 million, and the company saw growth in its Commercial Banking, HSA Bank, and Consumer Banking segments.

Reported EPS of $1.38; adjusted EPS of $1.60.

Revenue of $704.6 million was achieved.

Period end loan and lease balance reached $49.8 billion.

Period end deposit balance was $54.1 billion.

Total Revenue
$602M
Previous year: $227M
+165.6%
EPS
$1.6
Previous year: $1.31
+22.1%
Net Interest Margin
3.74%
Previous year: 2.73%
+37.0%
Efficiency Ratio
40.27%
Previous year: 54.85%
-26.6%
Gross Profit
$704M
Previous year: $317M
+122.3%
Cash and Equivalents
$840M
Previous year: $137M
+511.4%
Free Cash Flow
$265M
Previous year: $219M
+21.0%
Total Assets
$71.3B
Previous year: $34.9B
+104.1%

Webster

Webster

Webster Revenue by Segment

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.

Revenue & Expenses

Visualization of income flow from segment revenue to net income