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

$8.75B

-3.5%

GGAL

$6.98B

-22.5%

VLY

$3.49B

-2.2%

Gross Margin (Latest Quarter)

IBOC

78.6%

+3.1pp

COLB

75.6%

+12.4pp

HWC

75.6%

+5.9pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
GGAL	$7.10B	63.4	2.6%	5.6%
VLY	$6.73B	11.3	7.8%	5.3%
COLB	$6.42B	14.5	8.4%	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

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data