HANCOCK WHITNEY CORP (HWC) Earnings History

HANCOCK WHITNEY CORP - Q4 FY2025 Earnings

Filed at: Jan 20, 2026, 4:00 PM EST|Read from source

EXECUTIVE SUMMARY

Hancock Whitney reported a strong finish to 2025, with stable net income and EPS in Q4, driven by solid loan and deposit growth and improved asset quality metrics.

POSITIVE HIGHLIGHTS

  • •

    Net income for Q4 2025 was $125.6 million, or $1.49 per diluted share, matching Q3 2025.

    positive
  • •

    Loans increased $362 million (6% LQA annualized) driven by healthcare production, ICRE, and equipment finance.

    positive
  • •

    Deposits increased $620 million (9% LQA annualized), boosted by seasonal public fund balances.

    positive
  • •

    Criticized commercial loans and nonaccrual loans decreased.

    positive
  • •

    Tangible book value per share increased 12% for the full year 2025.

    positive

CONCERNS & RISKS

  • •

    Net interest margin (NIM) declined 1 bp to 3.48% due to lower loan yields.

    attention
  • •

    Efficiency ratio increased to 54.93% from 54.10% in the prior quarter.

    attention
  • •

    CET1 ratio decreased 43 bps linked-quarter, though TCE ratio increased 5 bps.

    attention
  • •

    Annualized net charge-offs increased to 0.22% from 0.19% in the prior quarter.

    attention

FINANCIAL METRICS

Revenue
Quarterly
$391.81M
+6.6%
Prior year: $367.50M
Annual (YTD)
$1.53B
N/A
Prior year: $1.46B
Net Income
Quarterly
$125.57M
+2.9%
Prior year: $122.07M
Annual (YTD)
$486.07M
N/A
Prior year: $460.81M
EPS (Diluted)
Quarterly
$1.49
+6.4%
Prior year: $1.40
Annual (YTD)
$5.67
N/A
Prior year: $5.28
Operating Income
Quarterly
N/A
N/A
EPS (Basic)
Quarterly
N/A
N/A

MARGIN ANALYSIS

Margin metrics will be available once backend extracts data from insights_json

MANAGEMENT GUIDANCE

FY 2026

loans
"Expect end of period loans to be up mid-single digits from December 31, 2025."
deposits
"Expect period-end deposits to be up low-single digits from December 31, 2025 levels."

Forward-looking guidance is subject to change and does not constitute a guarantee. Actual results may differ materially from these estimates.

SPECIAL ITEMS & ADJUSTMENTS

FY 2024
Sabal Trust Company acquisition expense
Impacted prior year's noninterest expense and adjusted revenue.
+$5.911M
FY 2024
FDIC special assessment
Impacted prior year's noninterest expense and adjusted revenue.
+$3.8M
Total Impact
+$9.711M

Special items are non-recurring events that may distort period-over-period comparisons. Analysts typically adjust for these when calculating normalized earnings.

MANAGEMENT COMMENTARY

"The fourth quarter of 2025 marked a strong finish to a remarkable year."

— HANCOCK WHITNEY CORP, Q4 FY2025 2025 Earnings Call

"2025 compared very well to the previous year, with adjusted EPS increasing 8%, adjusted PPNR improving by 6%, and tangible book value per share up 12%."

— HANCOCK WHITNEY CORP, Q4 FY2025 2025 Earnings Call

"Profitability remains strong, with ROA of 1.41%, efficiency ratio of 54.93%, continued fee income growth, with continuing investments back into revenue-generating activities."

— HANCOCK WHITNEY CORP, Q4 FY2025 2025 Earnings Call

Commentary excerpts from earnings call transcripts provide management's perspective on performance, strategy, and outlook. Always review full transcripts for complete context.

OPERATIONAL METRICS

Acl Coverage Ratio
1.4
Prior year: 1.5
%
Efficiency Ratio
54.9
Prior year: 54.5
%
Nim Te
3.5
Prior year: 3.4
%

Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.