Washington Trust Q4 net income $16.0M, EPS $0.83; full-year profit vs loss in 2024

WASHINGTON TRUST BANCORP INC

2025-FY EPS reported $2.71 vs consensus $0.76 ▲ beat (+254.7%)

Q4 2025 net income $16.0M ($0.83 diluted EPS) vs Q3 $10.8M ($0.56) and 2024 full-year $52.2M ($2.71) vs 2024 net loss $28.1M (($1.63)).
Net interest margin 2.56%, up 16 bps QoQ; full-year NIM 2.40%, up 53 bps from 2024.
Wealth management revenues $10.9M (+5% QoQ); mortgage banking revenues $3.3M (+14% YoY).
Loans stable at $5.1B; in-market deposits up 1% QoQ and 9% YoY; total risk-based capital ratio 12.95%.
Nonaccrual loans fell to $12.9M (0.25% of loans) vs $14.0M (0.27%) prior quarter; net recoveries of $160K vs net charge-offs $11.4M.

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