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Hancock Whitney Reports Steady Q2 2025 Earnings

Hancock Whitney Reports Steady Q2 2025 Earnings

Hancock Whitney Corp ( (HWC) ) has released its Q2 earnings. Here is a breakdown of the information Hancock Whitney Corp presented to its investors.

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Hancock Whitney Corporation is a financial services company operating in the banking sector, offering a wide range of financial products and services across the Gulf Coast region of the United States. In its latest earnings report for the second quarter of 2025, Hancock Whitney reported a net income of $113.5 million, or $1.32 per diluted share, slightly down from the previous quarter’s $119.5 million. The company highlighted its acquisition of Sabal Trust Company, which contributed to some one-time expenses impacting the earnings per share.

Key financial metrics for the quarter included a return on assets of 1.32% and a net interest margin of 3.49%, both showing slight improvements from previous periods. The company experienced a 6% annualized increase in loans, while deposits saw a slight decrease. Notably, the efficiency ratio improved to 54.91%, reflecting better cost management. The acquisition of Sabal Trust Company was a strategic move to enhance trust services, contributing positively to noninterest income.

The company’s asset quality remained stable, with a decrease in criticized commercial loans and nonaccrual loans. The allowance for credit losses was maintained at 1.45% of total loans, ensuring a solid coverage ratio. Despite a slight increase in net charge-offs, the overall credit quality indicators remained robust.

Looking ahead, Hancock Whitney’s management remains focused on executing its growth strategy, with expectations of low-single-digit growth in loans and deposits for the remainder of 2025. The company plans to continue enhancing profitability and efficiency while integrating the recent acquisition to expand its service offerings.

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