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Hancock Whitney Corporation

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
$5.62B
P/E (TTM)
11.6
15.5
Dividend Yield
2.7%
52W High
$71.20
52W Low
$43.90
52W Range
85%
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

$514.36M+1.97%
4-Quarter Trend

EPS

$1.49+5.67%
4-Quarter Trend

FCF

$0.00-100.00%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Quarterly Profitability Net Income reached $127.5M in Q3 2025, up 12% sequentially. Net Interest Margin remained stable at 3.49% compared to Q2 2025.
Asset Quality Shows Improvement Asset quality improved as annualized net charge-offs decreased to 0.19% from 0.31% last quarter. ACL coverage remains solid at 1.45%.
Capital Ratios Strengthened Sequentially Tangible Common Equity ratio reached 10.01% (up 17 bps). CET1 ratio improved 12 bps to 14.09%, remaining well above regulatory minimums.
Loan Growth Continues Modestly Period-end loans grew 1% sequentially to $23.6B, driven by commercial real estate and equipment finance growth. Share repurchases totaled 662,500 shares.

Risk Factors

Elevated Credit Loss Uncertainty Allowance for credit losses calculation weighted 50/50 between baseline and severe S-2 mild recession scenario due to economic uncertainty.
Macroeconomic Uncertainty Risks Ongoing uncertainty from tariffs, inflation, and government shutdowns present headwinds to loan demand and overall economic growth outlook.
Funding Mix Pressure on NIM NIM stability relies on managing funding mix shifts as the volume of higher-cost short-term borrowings increased, offsetting higher securities yields.
Integration and Cyber Risks Risks remain associated with integrating the Sabal Trust acquisition and managing potential disruptions from cybersecurity threats.

Outlook

Modest GDP Growth Forecast Baseline economic forecast anticipates modest below-trend GDP growth (1.8% in 2025) and continued slowing unemployment rate trajectory.
Focus on Organic Growth Management remains committed to executing organic growth plans while maintaining operational efficiency and proactively managing capital deployment.
Monitor Credit Quality Sensitivity Will continue close monitoring of portfolio sensitivity to prolonged inflation and elevated interest rates impacting borrower credit quality.

Peer Comparison

Revenue (TTM)

Grupo Financiero Galicia S.A.GGAL
$7.66B
-7.4%
Valley National BancorpVLY
$3.49B
-1.9%
Columbia Banking System, Inc.COLB
$3.21B
+8.3%

Gross Margin (Latest Quarter)

Columbia Banking System, Inc.COLB
75.6%
+12.4pp
Hancock Whitney CorporationHWC
73.0%
+3.3pp
Home Bancshares, Inc. (Conway, AR)HOMB
71.5%
+5.5pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
GGAL$8.63B14.214.3%6.5%
VLY$6.64B12.96.9%5.4%
COLB$6.24B15.58.4%0.0%

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
75%
Volatile Cash Flow

Research & Insights

Next earnings:Apr 13, 2026
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EPS:-
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Revenue:-
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 5, 2025|
    Revenue: $515.02M-1.4%
    |
    EPS: $1.50+12.8%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 7, 2025|
    Revenue: $500.07M-3.0%
    |
    EPS: $1.32+0.8%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 9, 2025|
    Revenue: $488.26M-3.7%
    |
    EPS: $1.38+10.4%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 27, 2025|
    Revenue: $2.05B+8.5%
    |
    EPS: $5.30+17.5%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 7, 2024|
    Revenue: $522.43M+4.4%
    |
    EPS: $1.33+18.8%
    Meet

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 7, 2024|
    Revenue: $515.68M+5.7%
    |
    EPS: $1.31-3.0%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 8, 2024|
    Revenue: $506.76M+12.0%
    |
    EPS: $1.25-13.8%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 28, 2024|
    Revenue: $1.89B+28.9%
    |
    EPS: $4.51-24.8%
    Beat