Earnings summaries and quarterly performance for WEBSTER FINANCIAL.
Executive leadership at WEBSTER FINANCIAL.
John Ciulla
Detailed
Chief Executive Officer
CEO
BK
Benjamin Krynick
Head of Bank Operations
CW
Charles Wilkins
Head of HSA Bank
CM
Christopher Motl
President of Commercial Banking
EC
Elzbieta Cieslik
Chief Audit Officer
JG
James Griffin
Head of Consumer Banking
JS
Jason Schugel
Chief Risk Officer
JS
Jason Soto
Chief Credit Officer
JE
Javier Evans
Chief Human Resources Officer
KB
Kristy Berner
General Counsel and Corporate Secretary
LM
Luis Massiani
President and Chief Operating Officer
MW
Marissa Weidner
Chief Corporate Responsibility Officer
NH
Neal Holland
Chief Financial Officer
VN
Vikram Nafde
Chief Information Officer
Board of directors at WEBSTER FINANCIAL.
CH
Carol Hayles
Detailed
Director
FC
Frederick Crawford
Detailed
Director
JC
John Cahill
Detailed
Director
LS
Lauren States
Detailed
Director
LM
Laurence Morse
Detailed
Director
MP
Mark Pettie
Detailed
Director
MM
Maureen Mitchell
Detailed
Director
MA
Mona Aboelnaga Kanaan
Detailed
Director
RO
Richard O’Toole
Detailed
Lead Independent Director
WA
William Atwell
Detailed
Director
WH
William Haas
Detailed
Director
WW
William Whiston
Detailed
Director
Research analysts who have asked questions during WEBSTER FINANCIAL earnings calls.
Bernard Von Gizycki
Deutsche Bank
5 questions for WBS
Also covers: CMA, FCNCA, FLG +5 more
Daniel Tamayo
Raymond James Financial, Inc.
5 questions for WBS
Also covers: ASB, CNOB, FBIZ +13 more
MF
Mark Fitzgibbon
Piper Sandler & Co.
5 questions for WBS
Also covers: AMAL, BHLB, BRKL +11 more
MB
Matthew Breese
Stephens Inc.
5 questions for WBS
Also covers: CAC, CBU, CNOB +13 more
Anthony Elian
JPMorgan
4 questions for WBS
Also covers: BANC, CMA, COLB +10 more
AS
Andrew Steven Leischner
Keefe, Bruyette & Woods
3 questions for WBS
Also covers: CATY, FFBC, FHN +3 more
CH
Casey Haire
Jefferies
3 questions for WBS
Also covers: ASB, CADE, CFR +12 more
Jared Shaw
Barclays
3 questions for WBS
Also covers: ASB, BANC, BKU +19 more
Jon Arfstrom
RBC Capital Markets
3 questions for WBS
Also covers: ALLY, ASB, BFH +24 more
LH
Laura Havener Hunsicker
Seaport Research Partners
3 questions for WBS
Also covers: BHLB, BRKL, EBC +2 more
Timur Braziler
Wells Fargo
3 questions for WBS
Also covers: ASB, BANC, BKU +16 more
Christopher McGratty
Keefe, Bruyette & Woods
2 questions for WBS
Also covers: ASB, BAC, BANC +33 more
David Smith
Truist Securities
2 questions for WBS
Also covers: AESI, BK, CLB +19 more
Jared David Shaw
Barclays Capital
2 questions for WBS
Also covers: BANC, BKU, BOH +13 more
LH
Laurie Hunsicker
Seaport Research Partners
2 questions for WBS
Also covers: BHLB, BRKL, EBC +3 more
Samuel Varga
UBS
2 questions for WBS
Also covers: BPOP, COLB, EWBC +9 more
Ben Gerlinger
Citigroup
1 question for WBS
Also covers: BKU, BPOP, CADE +10 more
Benjamin Gerlinger
Citigroup Inc.
1 question for WBS
Also covers: BANC, BKU, BOKF +18 more
JL
Janet Lee
TD Cowen
1 question for WBS
Also covers: AUB, FHB, FHN +11 more
MG
Manan Gosalia
Morgan Stanley
1 question for WBS
Also covers: CADE, CFG, CFR +16 more
NH
Nicholas Holowko
UBS Group AG
1 question for WBS
Also covers: CMA, FCNCA, FHN +5 more
Recent press releases and 8-K filings for WBS.
Webster Bank Updates on 2025 Performance, 2026 Outlook, and Strategic Priorities
WBS
Guidance Update
Share Buyback
New Projects/Investments
- Webster Bank (WBS), an $83 billion balance sheet bank, reported a diversified funding base, including $9 billion in low-cost deposits from HSA Bank and $1 billion from Ametros, which is growing at 25% per annum.
- For 2025, the bank expects loan growth to be closer to 7%, an increase from previous guidance, but anticipates Net Interest Margin (NIM) to be one or two basis points short of the 335 exit NIM target.
- Credit has stabilized, with an anticipated annualized charge-off rate of 25-35 basis points into 2026. The bank aims to deliver mid to high teens ROATC and expects mid-single digits loan growth for the industry in 2026, with Webster aiming to exceed this.
- Anticipated regulatory changes regarding the Category IV threshold could reduce $40 million in planned compliance expenses for 2026 and 2027. The bank's capital priorities include profitable loan growth, tuck-in acquisitions, and share buybacks, with a long-term target capital level of 10.5%.
Dec 10, 2025, 5:20 PM
Webster Bank Discusses 2025 Performance, 2026 Outlook, and Strategic Priorities
WBS
Guidance Update
Share Buyback
New Projects/Investments
- Webster Bank (WBS), an $83 billion balance sheet bank, anticipates 7% loan growth for 2025, exceeding earlier guidance, but expects its 3.35% exit Net Interest Margin (NIM) target to be slightly missed. The bank aims to deliver mid to high teens Return on Average Tangible Common Equity (ROATC).
- A key competitive advantage is its diversified funding base, notably HSA Bank, which holds $9 billion in low-cost deposits from 3.5 million account holders. Favorable policy changes could generate an additional $1 billion-$2.5 billion in incremental HSA deposits over five years, with $50-$100 million in 2026.
- The bank expects the Category IV regulatory threshold to increase, potentially reducing the remaining $40 million in compliance expenses planned for 2026-2027 (out of $60 million total). This flexibility could lead to increased operating leverage or investment in growth areas.
- Credit quality has stabilized following challenges in specific office and healthcare services portfolios, with an expected annualized charge-off rate of 25-35 basis points. Webster's capital priorities include supporting profitable loan growth, pursuing tuck-in acquisitions, and returning capital to shareholders through share buybacks, aiming for a long-term capital target of 10-10.5%.
Dec 10, 2025, 5:20 PM
Webster Bank Provides 2025 Outlook Update and 2026 Strategic Priorities at Goldman Sachs Conference
WBS
Guidance Update
New Projects/Investments
Debt Issuance
- Webster Bank anticipates loan growth closer to 7% for the full year 2025, an increase from earlier guidance, though Net Interest Margin (NIM) for Q4 2025 may be one or two basis points short of the 335 exit NIM target due to funding costs and new debt issuance.
- The bank expects to benefit from anticipated regulatory changes, potentially reducing the $40 million in future Category IV compliance expenses originally planned for 2026-2027, providing flexibility to either improve the bottom line or invest in other areas.
- Credit quality is expected to remain stable to improving, with an annualized charge-off rate targeted at 25-35 basis points, and no correlated deterioration seen in other portfolios beyond previously identified office and healthcare services segments.
- Strategic growth opportunities for 2026 include leveraging the HSA Bank tailwinds (potentially $50-$100 million in incremental deposits in 2026 from new HSA eligibility) and cross-selling traditional banking products to its 3.5 million HSA account holders and 50,000 Ametros clients.
- Capital priorities focus on profitable loan growth and tuck-in acquisitions in the healthcare vertical, with a near-term capital target of 11% and a long-term target of 10%-10.5%, while whole bank M&A is not a priority.
Dec 10, 2025, 5:20 PM
Webster Financial Corporation Reports Strong Q3 2025 Results with Loan and Deposit Growth
WBS
Earnings
Guidance Update
Share Buyback
- 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. Overall revenue grew 2.3% over the prior quarter.
- The company achieved over 2% linked-quarter growth in both loans and deposits, with total loans increasing by $1.4 billion or 2.6%. Webster repurchased 2.2 million shares and saw tangible book value grow 3.7% to $36.42 per share.
- 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.
- 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. The company is not pursuing whole bank M&A but may consider smaller, healthcare-related acquisitions.
Oct 17, 2025, 1:00 PM
Webster Financial Corp. Reports Strong Q3 2025 Results with Growth in Loans and Deposits
WBS
Earnings
Share Buyback
Guidance Update
- 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.
- 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%.
- WBS repurchased 2,200,000 shares, representing 1.4% of outstanding shares, and tangible book value per share grew 3.7% to $36.42.
- Credit quality remained solid, with charge-offs at 28 basis points, criticized loans down over 7%, and nonaccrual loans essentially flat.
- 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%.
Oct 17, 2025, 1:00 PM
Webster Financial Corporation Announces Q3 2025 Results
WBS
Earnings
Guidance Update
Share Buyback
- 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.
- 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.
- Capital ratios remained strong, with a Common Equity Tier 1 (CET1) ratio of 11.40% and Tangible Common Equity (TCE) of 7.50%. Tangible book value per share (TBVPS) increased 3.7% to $36.42 linked quarter.
- During the quarter, Webster Financial Corporation repurchased 2.2 million shares.
- 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).
Oct 17, 2025, 1:00 PM
Webster Financial Corporation Reports Record Q3 2025 Earnings
WBS
Earnings
Share Buyback
Revenue Acceleration/Inflection
- 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.
- 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.
- 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.
Oct 17, 2025, 11:36 AM
Webster Financial Corporation Issues $350 Million in Subordinated Notes
WBS
Debt Issuance
- Webster Financial Corporation (WBS) issued $350,000,000 aggregate principal amount of 5.784% Fixed Rate Reset Subordinated Notes due 2035.
- The underwriting agreement for the Notes was entered into on September 4, 2025, and the Notes were issued and sold on September 11, 2025.
- The Notes will bear interest at a fixed rate of 5.784% per annum until September 11, 2030. 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.
- Interest is payable semi-annually on March 11 and September 11, commencing March 11, 2026.
- 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.
Sep 11, 2025, 8:10 PM
Quarterly earnings call transcripts for WEBSTER FINANCIAL.
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