How do you interpret commercial banking — provision for loan and lease losses?

Rising provisions signal higher perceived credit risk or actual loan defaults, while falling provisions suggest a stable or improving credit environment.

How does commercial banking — provision for loan and lease losses compare across companies?

Standard banking metric; essential for assessing the quality of the loan book relative to peers.

Webster Financial Corporation WBS Commercial Banking — Provision for Loan and Lease Losses

Discontinued — last reported Q4 '20

Similar metrics at other companies

UMBFCommercial Banking — Provision For Loan And Lease Losses

$557K-98.8%

CFGCommercial Banking — Provision expense (benefit) for loans and leases

$12M-88.1%

UMBFCommercial Banking — Provision For Loan Lease And Other Losses

$23.78M-64.4%

HBANCommercial Banking — Provision for loan and lease losses

-$34M-139%

VLYCommercial Banking — Provision (credit) for credit losses

$69.03M+403%

UMBFBank — Provision For Loan And Lease Losses

$6M-20.0%

Other financials

Income statement

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Revenue$735.9M+4.4%

Operating income$356.8M-1.2%

Net income$246.2M+8.5%

EPS (diluted)$1.50+15.4%

Balance sheet

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Cash & equivalents$2.9B+13.8%

Total debt$5.5B+45.4%

Total equity$9.6B+4.0%

Total assets$85.6B+6.6%

Cash flow

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Operating cash flow$288.7M+204%

CapEx$10.5M+26.0%

Free cash flow$278.3M+221%

Valuation

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Market cap$12.25B+26.7%

Enterprise value$14.94B+36.9%

P/E12×-0.4×

P/S4.2×+0.5×

Profitability

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Operating margin50%—

Net margin34.9%+5.2pp

FCF margin41%-5.3pp

Returns & leverage

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Return on equity10.9%+2.2pp

Debt / equity0.6×+0.2×

Where this comes from

Reported directly by Webster Financial Corporation in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanAndLeaseLosses.

The official record: Webster Financial Corporation’s 10-K, filed February 26, 2021, on SEC EDGAR. View the filing →

Questions, answered.

What does commercial banking — provision for loan and lease losses mean?: The expense recorded to cover potential defaults on commercial loans and leases.
How do you interpret commercial banking — provision for loan and lease losses?: Rising provisions signal higher perceived credit risk or actual loan defaults, while falling provisions suggest a stable or improving credit environment.
How does commercial banking — provision for loan and lease losses compare across companies?: Standard banking metric; essential for assessing the quality of the loan book relative to peers.