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Webster Financial
Webster Financial (WBS) investor relations material
Webster Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Achieved record 2025 financial performance with adjusted diluted EPS of $5.94, up 10.4% year-over-year, and tangible book value per share of $37.20, up 12.9% year-over-year.
Full-year adjusted ROAA was 1.24% and ROATCE was 17.26%; Q4 adjusted EPS was $1.59.
Repurchased 10.9 million shares in 2025, including 3.6 million in Q4.
Continued investment in non-traditional banking verticals and technology, including HSA Bank, Ametros, and SecureSave acquisition.
Entered 2026 with robust capital, strong funding, and a diversified asset origination platform.
Financial highlights
Full-year assets up $5 billion (6.4%), with Q4 assets up $880 million (1%).
Loans grew 7.8% year-over-year and 2.8% sequentially; deposits grew 6.2% year-over-year and 0.9% sequentially.
Net interest income for Q4 was $632.9 million, up 0.2% sequentially and 4.0% year-over-year; NIM for Q4 was 3.35%.
Adjusted net income slightly higher than prior quarter, aided by lower provision and tax rate.
Allowance for credit losses decreased $9 million, with non-performing assets down 8% and commercial classified loans down 7%.
Charge-offs for the quarter at 35 basis points.
Outlook and guidance
2026 guidance: loan growth 5%-7%, deposit growth 4%-6%, revenue midpoint $3 billion.
Net interest income expected at $2.57-$2.63 billion, assuming 225 bps Fed funds cuts.
Fee income guidance $390-$410 million; expenses $1.46-$1.48 billion, with Q1 expenses seasonally higher.
NIM expected to remain around 3.35% for 2026; efficiency ratio target of 46%.
CET1 ratio near-term target of 11%, long-term target of 10.5%.
Why did interest-earning asset yield decrease 22bps?
Explain the Q4 NCO increase and ACL ratio decline.
What impacted Commercial Banking PTPPNR decline?
HSA Bank's path to $1B-$2.5B deposit growth
Timing of CET1 target reduction to 10.5%?
Office portfolio: Any further sales or losses?
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Latest summaries
- TimeTickerHeadlineOpen
- GL
Earnings and sales grew across all segments, with higher 2026 guidance and ongoing share buybacks. - RSI
Record financial results, all motions passed, and LEAP project remains a strategic priority. - COST
January sales climbed 9.3% to $21.33B, with digital sales up 34.4%. - FR
FFO per share rose 11.7% in 2025, with robust rental growth and a higher dividend. - ALCO
Land sales and leasing drove improved profitability and strong liquidity as citrus operations ended. - PAHC
Net sales and profit surged on acquisition, with raised outlook and strong liquidity. - PTC
Q1'26 saw double-digit growth, margin gains, and major share repurchases, with a strong FY'26 outlook. - MKL
Operating income rose to $3.2B, with broad-based growth and improved insurance profitability. - UHAL
Q3 net loss of $37M on higher costs and depreciation, but self-storage revenue increased. - SITM
Acquisition accelerates growth to $1B revenue, expanding leadership in precision timing.
Next Webster Financial earnings date
Q1 202623 Apr, 2026
Webster Financial
Next Webster Financial earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Webster Financial Corporation is a bank holding company that operates through its principal subsidiary, Webster Bank. The company provides consumer and commercial banking, health savings accounts, mortgage services, and wealth management. It serves individuals, businesses, and institutions across the northeastern United States. Webster Financial Corporation is headquartered in Stamford, Connecticut, and its shares are listed on the NYSE.
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