Washington Trust Bancorp Reports Q4 2025 Earnings Growth
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
0mins
Source: seekingalpha
- Significant Earnings Growth: Washington Trust Bancorp reported a net income of $16 million for Q4 2025, translating to $0.83 per share, a notable increase from $10.8 million and $0.56 per share in the previous quarter, indicating sustained improvement in profitability.
- Increase in Net Interest Income: The bank's net interest income reached $40.7 million in Q4, up 5% from Q3 and 24% year-over-year, with the net interest margin rising to 2.56%, reflecting a better funding mix and effective deposit management strategies.
- Optimistic Loan Growth Outlook: The CFO projected a total loan growth of 5% for 2026, with commercial real estate (CRE) growth expected at 4% to 5%, and indicated that the C&I team's growth rate would be even faster, highlighting the company's expansion potential in the market.
- Strategic Investments and Expansion: The bank plans to open a new branch in Pawtucket, Rhode Island, in 2026, and enhance its wealth management and commercial banking capabilities through the acquisition of Lighthouse Financial Management and the appointment of new Chief Commercial Banking Officer Jim Brown.
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Analyst Views on WASH
Wall Street analysts forecast WASH stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for WASH is 31.67 USD with a low forecast of 28.00 USD and a high forecast of 36.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 30.190
Low
28.00
Averages
31.67
High
36.00
Current: 30.190
Low
28.00
Averages
31.67
High
36.00
About WASH
Washington Trust Bancorp, Inc. is a holding company of The Washington Trust Company (the Bank). The Bank is a state-chartered bank and financial services company. The Company operates through two segments: Commercial Banking and Wealth Management Services. The Commercial Banking segment includes commercial, residential and consumer lending activities; mortgage banking activities, deposit generation, cash management activities, banking activities, including customer support and the operation of automated teller machines (ATMs), telephone banking, Internet banking and mobile banking services; as well as investment portfolio and wholesale funding activities. The Wealth Management Services segment includes investment management, holistic financial planning services, personal trust and estate services, including services as trustee, personal representative and custodian; settlement of decedents’ estates, and institutional trust services, including custody and fiduciary services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Washington Trust Bancorp Reports Q4 2025 Earnings Growth
- Significant Earnings Growth: Washington Trust Bancorp reported a net income of $16 million for Q4 2025, translating to $0.83 per share, a notable increase from $10.8 million and $0.56 per share in the previous quarter, indicating sustained improvement in profitability.
- Increase in Net Interest Income: The bank's net interest income reached $40.7 million in Q4, up 5% from Q3 and 24% year-over-year, with the net interest margin rising to 2.56%, reflecting a better funding mix and effective deposit management strategies.
- Optimistic Loan Growth Outlook: The CFO projected a total loan growth of 5% for 2026, with commercial real estate (CRE) growth expected at 4% to 5%, and indicated that the C&I team's growth rate would be even faster, highlighting the company's expansion potential in the market.
- Strategic Investments and Expansion: The bank plans to open a new branch in Pawtucket, Rhode Island, in 2026, and enhance its wealth management and commercial banking capabilities through the acquisition of Lighthouse Financial Management and the appointment of new Chief Commercial Banking Officer Jim Brown.
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Washington Trust Bancorp to Announce Q4 Earnings on January 28
- Earnings Announcement: Washington Trust Bancorp (WASH) is set to release its Q4 2023 earnings report on January 28 after market close, with a consensus EPS estimate of $0.75, reflecting a robust year-over-year growth of 121.7%, indicating strong profit potential.
- Revenue Expectations: Analysts forecast that WASH will achieve $56.38 million in revenue for Q4, demonstrating the company's stable performance in the current economic environment and potentially laying the groundwork for future growth.
- Historical Performance Review: Over the past two years, WASH has beaten EPS and revenue estimates 75% of the time, indicating consistency in financial performance and market confidence, which may further enhance investor expectations for future results.
- Estimate Revision Trends: In the last three months, WASH's EPS estimates have seen two upward revisions with no downward adjustments, reflecting analysts' optimistic outlook on the company's future profitability, which could positively impact its stock price.
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