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Hancock Whitney Corporation

NASDAQ•HWC
CEO: Mr. John M. Hairston
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1991-06-04
Hancock Whitney Corporation operates as the financial holding company for Hancock Whitney Bank that provides traditional and online banking services to commercial, small business, and retail customers. It offers various transaction and savings deposit products consisting of brokered deposits, time deposits, and money market accounts; treasury management services, secured and unsecured loan products including revolving credit facilities, and letters of credit and similar financial guarantees; and trust and investment management services to retirement plans, corporations, and individuals, and investment advisory and brokerage products. The company also provides commercial and industrial loans including real and non-real estate loans; construction and land development loans; and residential mortgages, as well as consumer loans. In addition, it offers commercial finance products to middle market and corporate clients, including leases and related structures; facilitates investments in new market tax credit activities and holding certain foreclosed assets; provides customers access to fixed annuity and life insurance products; and underwriting transactions products, as well as debt and mortgage-related securities. The company was founded in 1899 and is headquartered in Gulfport, Mississippi.
Contact Information
Hancock Whitney Plaza, 2510 14th Street, Gulfport, MS, 39501, United States
228-868-4727
www.hancockwhitney.com
Market Cap
$5.22B
P/E (TTM)
10.7
14.6
Dividend Yield
3.0%
52W High
$75.43
52W Low
$43.90
52W Range
59%
Rank48Top 64.4%
3.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$514.83M+2.06%
4-Quarter Trend

EPS

$1.51+7.09%
4-Quarter Trend

FCF

$145.86M-100.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income and EPS Growth Net income rose 5.5% to $486.1M ($5.67 diluted EPS) in 2025, up from $460.8M in 2024, reflecting strong operational performance.
Net Interest Margin Expansion Taxable equivalent Net Interest Margin expanded 10 basis points to 3.47% as liability costs declined faster than loan yields.
Loan Portfolio Growth Total loans grew 3% to $24.0B, driven by strong production in owner-occupied CRE and equipment finance segments.
Strong Capital Position Tangible common equity ratio improved 59 bps to 10.06% at year-end 2025, demonstrating robust capital strength despite capital deployment.

Risk Factors

Economic Uncertainty Risks Uncertain economic conditions, inflation, and recessionary threats pose challenges, potentially increasing borrower stress, delinquencies, and credit losses.
Interest Rate Risk Exposure Fluctuations in market interest rates could adversely impact profitability and asset valuations, requiring active management of the balance sheet structure.
Asset Quality Deterioration Nonaccrual loans increased 10% to $106.9M, signaling continued stress in specific credit segments, though overall coverage remains strong.
Cybersecurity and Vendor Reliance The increasing sophistication of cyber threats, including AI-enabled attacks, combined with reliance on third-party vendors, presents material operational risks.

Outlook

Organic Growth Initiatives Strategy focuses on expanding footprint, expecting to hire up to 50 new bankers in 2026 to support commercial and business banking growth.
Acquisition Integration Focus Management is focused on integrating the Sabal Trust acquisition to expand trust and asset management services in high-growth Central Florida markets.
Future Capital Deployment The Board authorized a new share repurchase program effective January 1, 2026, allowing continued opportunistic capital returns to shareholders.
Securities Restructure Impact A January 2026 securities portfolio restructuring is expected to contribute $23.8M to net interest income annually, boosting securities yield by 32 bps.

Peer Comparison

Revenue (TTM)

AVAL stock ticker logoAVAL
$8.75B
-3.5%
GGAL stock ticker logoGGAL
$6.98B
-22.5%
VLY stock ticker logoVLY
$3.49B
-2.2%

Gross Margin (Latest Quarter)

IBOC stock ticker logoIBOC
78.6%
+3.1pp
COLB stock ticker logoCOLB
75.6%
+12.4pp
HWC stock ticker logoHWC
75.6%
+5.9pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
GGAL$7.10B63.42.6%5.6%
VLY$6.73B11.37.8%5.3%
COLB$6.42B14.58.4%6.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.8%
Moderate Growth
4Q Net Income CAGR
1.7%
Profitability Slowly Improving
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:Apr 13, 2026
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