The earnings call reflected positive performance in loan growth, fee income, and capital management, alongside challenges in deposits and increased net charge offs. The company demonstrated strong NIM expansion and capital ratios, indicating a robust financial position despite certain lowlights.

Company Guidance -

Q3 2025

During the call, Hancock Whitney Corporation provided a comprehensive overview of their financial performance and future expectations. The company reported a net interest margin (NIM) expansion of six basis points and a return on assets (ROA) of 1.37%, adjusted for expenses related to the Sable Trust Company acquisition. Loan growth was robust, with an increase of $364 million or 6% annualized, while deposits decreased by $148 million due to CD maturities and reduced promotional rates. The company maintained solid capital ratios, with a tangible common equity (TCE) ratio of 9.84% and a common equity tier one ratio of 14.03%. The allowance for credit losses stood at 1.45%, and net charge-offs were reported at 31 basis points. Hancock Whitney also repurchased 750,000 shares, enhancing shareholder value. Looking ahead, they anticipate modest NIM expansion, expecting net interest income (NII) growth of 3-4% for the year, and they plan to continue hiring and expanding financial centers, particularly in the Dallas market.

Net Interest Margin (NIM) Expansion

NIM expanded by six basis points, contributing to the profitability of the quarter.

Loan Growth Achievement

Loans grew by $364 million or 6% annualized, driven by stronger demand and increased line utilization.

Fee Income Increase

Fee income grew by $4 million or 4%, with significant contributions from trust fees due to the acquisition of Sable Trust Company.

Strong Capital Ratios

Capital ratios remained solid with TCE at 9.84% and common equity tier one ratio at 14.03%.

Buyback and Capital Deployment

Repurchased 750,000 shares of common stock and completed acquisition of Sable Trust.

Decreased Cost of Funds

Overall cost of funds was down two basis points to 1.57% due to lower deposit costs.

Criticized Commercial Loan Improvement

Criticized commercial loans decreased by 4% to $594 million.

Hancock Whitney (HWC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

HWC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 21, 2025	2025 (Q3)	1.43 / -	1.33	―	―	―
Jul 15, 2025	2025 (Q2)	1.36 / 1.32	1.31	0.76% (+0.01)
Apr 15, 2025	2025 (Q1)	1.29 / 1.38	1.24	11.29% (+0.14)
Jan 21, 2025	2024 (Q4)	1.28 / 1.40	1.26	11.11% (+0.14)
Oct 15, 2024	2024 (Q3)	1.30 / 1.33	1.12	18.75% (+0.21)
Jul 16, 2024	2024 (Q2)	1.20 / 1.31	1.35	-2.96% (-0.04)
Apr 16, 2024	2024 (Q1)	1.18 / 1.24	1.45	-14.48% (-0.21)
Jan 16, 2024	2023 (Q4)	1.19 / 1.26	1.65	-23.64% (-0.39)
Oct 17, 2023	2023 (Q3)	1.04 / 1.12	1.55	-27.74% (-0.43)
Jul 18, 2023	2023 (Q2)	1.34 / 1.35	1.38	-2.17% (-0.03)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

HWC Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 15, 2025	$58.22	$59.42	+2.06%
Apr 15, 2025	$48.28	$48.12	-0.33%
Jan 21, 2025	$59.74	$58.73	-1.69%
Oct 15, 2024	$52.53	$52.09	-0.84%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Hancock Whitney Corp (HWC) report earnings?

Hancock Whitney Corp (HWC) is schdueled to report earning on Oct 21, 2025, After Close (Confirmed).

What is Hancock Whitney Corp (HWC) earnings time?

Hancock Whitney Corp (HWC) earnings time is at Oct 21, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is HWC EPS forecast?

HWC EPS forecast for the fiscal quarter 2025 (Q3) is 1.43.

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