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Visual22 Oct 2025
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Hancock Whitney (HWC) investor relations material
Hancock Whitney Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Oct, 2025
Executive summary
Net income for Q3 2025 was $127.5 million ($1.49 per diluted share), up from $113.5 million ($1.32 per share) in Q2, with no supplemental disclosure items impacting the quarter.
Adjusted pre-provision net revenue reached $175.6 million, a 5% increase from the prior quarter.
Achieved strong profitability and efficiency gains, with ROA at 1.46% and efficiency ratio improving to 54.10%.
Continued progress on organic growth, including hiring, Dallas market expansion, and operational efficiency.
Loans grew by $135 million (2% annualized), while deposits declined by $387 million due to seasonality.
Financial highlights
Net interest income (TE) for Q3 2025 was $282.3 million, up 1% sequentially, with NIM stable at 3.49%.
Noninterest income rose 8% to $106.0 million, led by record investment, insurance, and annuity fees.
Noninterest expense was $212.8 million, down 1% from Q2, with personnel investments offset by lower other costs.
Efficiency ratio improved to 54.10%, down 81 bps from Q2.
Return on tangible common equity (ROTCE) was 15.00%.
Outlook and guidance
Expect low single-digit loan and deposit growth for Q4 and full-year 2025 as paydowns persist.
Net interest income (TE) projected to rise 3–4% from FY24, with modest NIM expansion in Q4, assuming two 25 bp rate cuts.
Adjusted PPNR expected to increase 5–6% from FY24; noninterest income to rise 9–10%; adjusted noninterest expense to grow 4–5%.
Net charge-offs expected to average 0.15–0.25% of loans for full year 2025.
Continued focus on organic growth, hiring, and branch expansion, especially in Dallas.
Deposit strategy to reverse noninterest-bearing DDA decline
What loan segments drive nonaccrual loan increase?
Capital deployment priority: buybacks vs. organic growth
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Next Hancock Whitney earnings date
Q4 202520 Jan, 2026
Next Hancock Whitney earnings date
Q4 202520 Jan, 2026
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Hancock Whitney Corporation designs, develops, and operates a diversified financial services business that encompasses retail banking operations, although it has focused primarily on deposits and lending; home mortgage banking; investment banking; and leasing and equipment financing as well as other activities, such as insurance brokerage.
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