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Webster Financial (WBS) investor relations material
Webster Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary17 Oct, 2025
Executive summary
Net income for Q3 2025 was $261.2M, up 35% year-over-year, with EPS of $1.54 and return on average tangible common equity of 17.64%.
Loans grew 2.6% sequentially to $55.1B, deposits rose 2.8% to $68.2B, and total assets reached $83.2B.
Revenue for the quarter was $732.6M, with pre-provision net revenue of $375.9M and efficiency ratio of 45.8%.
Repurchased 2.2M shares in Q3 and celebrated 90th anniversary with record EPS.
Strategic focus on diversified balance sheet growth, robust liquidity, and conservative credit positioning.
Financial highlights
Net interest income was $631.7M, up $10.5M sequentially and 7.1% year-over-year; net interest margin declined 4 bps sequentially to 3.40%.
Non-interest income rose to $101M, up $6M sequentially and 74.8% year-over-year, driven by client hedging and a $4M legal settlement.
Non-interest expense increased $11M sequentially and 2.2% year-over-year, mainly due to higher compensation and business development.
Provision for credit losses was $44M, down $2.5M sequentially and 18.5% year-over-year.
Tangible book value per share increased to $36.42, up 3.7% quarter-over-quarter and 9.5% year-over-year.
Outlook and guidance
Q4 2025 outlook projects ~1% loan growth, ~1% deposit decline due to seasonality, and net interest income around $630M.
Adjusted non-interest income expected at $95–$100M, expenses at $355–$360M, and efficiency ratio between 45% and 47%.
CET1 ratio near-term target is 11%, long-term 10.5%; tax rate anticipated at ~21%.
Management highlights strong capital, liquidity, and risk management to navigate economic and regulatory uncertainty.
Full-year loan growth to exceed January guidance, with NII at top end of range and fees/expenses above midpoint.
Non-performing loan trend and outlook
NIM trend and future rate impact
Managing HTM unrealized losses
Describe early impact of Marathon JV
NDFI exposure: appetite for growth?
Redeploying Category 4 investment dollars?
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Next Webster Financial earnings date
Q4 202523 Jan, 2026
Next Webster Financial earnings date
Q4 202523 Jan, 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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