Bernard Von Gizycki

Daniel Tamayo

Mark Fitzgibbon

Anthony Elian

Laura Havener Hunsicker

Matthew Breese

Timur Braziler

Andrew Steven Leischner

Casey Haire

Christopher McGratty

Jared David Shaw

Jared Shaw

Jon Arfstrom

Samuel Varga

Ben Gerlinger

Benjamin Gerlinger

David Smith

Laurie Hunsicker

Manan Gosalia

Matt Breese

Nicholas Holowko

- Webster Financial Corporation reported strong Q3 2025 results, with a **return on tangible common equity of 18%** and **net income of $261 million**, leading to **EPS of $1.54**.  **[0000801337_2190116_1]** **[0000801337_2190116_3]**  Overall revenue grew **2.3%** over the prior quarter.  **[0000801337_2190116_1]** 
- The company achieved over **2% linked-quarter growth in both loans and deposits**, with total loans increasing by **$1.4 billion** or **2.6%**.  **[0000801337_2190116_1]** **[0000801337_2190116_3]**  Webster repurchased **2.2 million shares** and saw tangible book value grow **3.7%** to **$36.42** per share.  **[0000801337_2190116_1]** **[0000801337_2190116_3]** 
- Asset quality improved, with **criticized loans down over 7%** and charge-offs at **28 basis points**, which is near the bottom of the anticipated normalized range.  **[0000801337_2190116_1]** **[0000801337_2190116_3]** 
- For Q4 2025, net interest income is expected to be **effectively flat** to Q3, and loan growth is projected to be solid but not as strong as Q3 due to anticipated higher prepayments.  **[0000801337_2190116_3]** **[0000801337_2190116_8]**  The company is not pursuing whole bank M&A but may consider smaller, healthcare-related acquisitions.  **[0000801337_2190116_7]**

Webster Financial Corporation Reports Strong Q3 2025 Results with Loan and Deposit Growth

- Webster Financial Corp. (WBS) reported strong Q3 2025 results, with a **18%** return on tangible common equity, nearly **1.3%** ROA, and **2.3%** overall revenue growth over the prior quarter.  **[0000801337_2190146_1]** 
- The company achieved over **2%** linked-quarter growth in both loans and deposits, with total loans increasing by **$1,400,000,000** or **2.6%**.  **[0000801337_2190146_1]** **[0000801337_2190146_3]** 
- WBS repurchased **2,200,000** shares, representing **1.4%** of outstanding shares, and tangible book value per share grew **3.7%** to **$36.42**.  **[0000801337_2190146_1]** **[0000801337_2190146_3]** 
- Credit quality remained solid, with charge-offs at **28 basis points**, criticized loans down over **7%**, and nonaccrual loans essentially flat.  **[0000801337_2190146_1]** 
- For Q4 2025, WBS expects net interest income to be **effectively flat** to Q3, with loan growth not anticipated to be as strong as Q3, and a net interest margin guided to be around **3.35%**.  **[0000801337_2190146_3]** **[0000801337_2190146_7]** **[0000801337_2190146_11]**

Webster Financial Corp. Reports Strong Q3 2025 Results with Growth in Loans and Deposits

- Webster Financial Corporation reported **net income applicable to common of $254.1 million** and **diluted earnings per share of $1.54** for the third quarter of 2025.  **[0000801337_2189441:0]** 
- The company achieved **robust balance sheet growth** in Q3 2025, with **loans increasing 2.6%** to **$55,052 million** and **deposits growing 2.8%** to **$68,176 million** linked quarter.  **[0000801337_2189441:0]** **[0000801337_2189441:2]** 
- Capital ratios remained strong, with a **Common Equity Tier 1 (CET1) ratio of 11.40%** and **Tangible Common Equity (TCE) of 7.50%**.  **[0000801337_2189441:0]**  Tangible book value per share (TBVPS) increased **3.7% to $36.42** linked quarter.  **[0000801337_2189441:0]** 
- During the quarter, Webster Financial Corporation repurchased **2.2 million shares**.  **[0000801337_2189441:0]** 
- For Q4 2025, the company projects linked quarter loan growth of approximately **1%** and a deposit decline of approximately **1%**, with net interest income expected to be around **$630 million** (non-FTE).  **[0000801337_2189441:10]**

Webster Financial Corporation Announces Q3 2025 Results

- Webster Financial Corporation reported **record quarterly diluted earnings per share (EPS) of $1.54** and **net income applicable to common stockholders of $254.1 million** for the third quarter of 2025, with total revenue reaching **$732.6 million**.  **[801337_0000801337-25-000100_exhibit991earningsrelease3.htm:0]** 
- The company demonstrated strong balance sheet growth, with period-end loans and leases increasing by **2.6 percent to $55.1 billion** and period-end deposits rising by **2.8 percent to $68.2 billion** from the prior quarter.  **[801337_0000801337-25-000100_exhibit991earningsrelease3.htm:0]** 
- Key performance indicators included a **1.27 percent return on average assets** and a **17.64 percent return on average tangible common equity**, alongside the repurchase of **2.2 million shares** during the quarter.  **[801337_0000801337-25-000100_exhibit991earningsrelease3.htm:0]**

Webster Financial Corporation Reports Record Q3 2025 Earnings

- Webster Financial Corporation (WBS) issued **$350,000,000** aggregate principal amount of **5.784% Fixed Rate Reset Subordinated Notes due 2035**.  **[801337_0001193125-25-201325_d62919d8k.htm:2]** **[801337_0001193125-25-201325_d62919dex42.htm:26]** **[801337_0001193125-25-201325_d62919dex42.htm:28]** 
- The underwriting agreement for the Notes was entered into on **September 4, 2025**, and the Notes were issued and sold on **September 11, 2025**.  **[801337_0001193125-25-201325_d62919d8k.htm:2]** 
- The Notes will bear interest at a fixed rate of **5.784%** per annum until **September 11, 2030**.  **[801337_0001193125-25-201325_d62919d8k.htm:2]** **[801337_0001193125-25-201325_d62919dex42.htm:3]** **[801337_0001193125-25-201325_d62919dex42.htm:26]**  After this date, the interest rate will reset to the U.S. Treasury Rate for a five-year maturity plus **212.5 basis points**, with a floor of zero.  **[801337_0001193125-25-201325_d62919d8k.htm:2]** **[801337_0001193125-25-201325_d62919dex42.htm:3]** **[801337_0001193125-25-201325_d62919dex42.htm:26]** 
- Interest is payable semi-annually on March 11 and September 11, commencing **March 11, 2026**.  **[801337_0001193125-25-201325_d62919d8k.htm:2]** **[801337_0001193125-25-201325_d62919dex42.htm:3]** **[801337_0001193125-25-201325_d62919dex42.htm:26]** 
- The Company has the option to redeem the Notes in whole on **September 11, 2030**, or in whole or in part on or after **June 11, 2035**, subject to Federal Reserve approval.  **[801337_0001193125-25-201325_d62919d8k.htm:2]** **[801337_0001193125-25-201325_d62919dex42.htm:28]**

Webster Financial Corporation Issues $350 Million in Subordinated Notes

WEBSTER FINANCIAL (WBS)