The earnings call reflects a company in strong financial health with positive trends in NIM expansion, loan growth, and credit quality improvements. However, there are challenges with deposit declines and increased net charge offs. Overall, the positive aspects outweigh the negatives.

Company Guidance

During the call, Hancock Whitney Corporation provided guidance on several key metrics and future expectations. The company reported a net income of $118 million, or $1.37 per share, with a return on assets (ROA) of 1.37%. The net interest margin (NIM) expanded by six basis points, and net interest income (NII) increased by 2%. Loan growth was 6% annualized, while deposits decreased by $148 million due to CD maturities and reductions. The company expects low single-digit loan growth for 2025 and modest NIM expansion in the second half of the year. Fee income grew by 4%, with trust fees as a primary driver. Expenses were up by 2%, aligning with strategic investments. The company repurchased 750,000 shares, maintaining strong capital ratios, including a tangible common equity (TCE) ratio of 9.84% and a common equity tier one ratio of 14.03%. Credit quality remained stable, with a solid allowance for credit losses at 1.45% and a decrease in criticized commercial loans by 4%. The company anticipates net charge-offs to be between 15 and 25 basis points for the full year. Hancock Whitney continues to focus on organic growth, adding new financial centers and hiring 10 net new bankers, with plans to expand further in 2025 and 2026.

Strong NIM Expansion

Net Interest Margin (NIM) expanded by six basis points, reflecting the company's focus on profitability and efficiency.

Loan Growth Achievement

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

Successful Acquisition of Sable Trust Company

The acquisition was completed on May 2, contributing to fee income growth and expanding the trust services team.

Capital Ratios Remain Strong

Despite share repurchases and the acquisition, capital ratios such as TCE at 9.84% and common equity tier one ratio at 14.03% remained solid.

Improved Efficiency Ratio

The efficiency ratio improved to 54.91%, reflecting controlled expenses and strategic investments in technology.

Credit Quality Improvement

Criticized commercial loans decreased by 4% and nonaccrual loans decreased by 9%.

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 Corporation (HWC) report earnings?

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

What is Hancock Whitney Corporation (HWC) earnings time?

Hancock Whitney Corporation (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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