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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.
Executive summary
Achieved strong third quarter results with net income of $127.5 million ($1.49 per share), up from $118 million ($1.37 per share) in Q2, and ROA of 1.46%, reflecting improved profitability and efficiency.
Adjusted pre-provision net revenue reached $175.6 million, a 5% increase from the prior quarter.
Net interest income expanded as average earning assets grew at higher yields, while deposit costs declined by 1 basis point.
Fee income reached $106 million, up 8% from the prior quarter, led by record investment, insurance, and annuity fees.
Continued progress on organic growth plan, including hiring 20 net new bankers and advancing Dallas market expansion.
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% sequentially to $106 million, driven by higher trust, investment, and annuity fees.
Efficiency ratio improved to 54.1%, down 81 bps from Q2; year-to-date efficiency ratio down nearly 100 bps year-over-year.
Loans grew $135 million (2% annualized), led by commercial real estate and equipment finance, but offset by higher paydowns.
Deposits declined $387 million, mainly due to seasonal reductions in public fund balances.
Outlook and guidance
Expect low single-digit loan growth for Q4 and full-year 2025 as paydowns persist.
Deposit costs anticipated to decline further in Q4, following expected rate cuts in October and December.
Guidance includes two 25 bps rate cuts in Q4; PPNR growth expected in the 5%-6% range, with a bias toward the upper end.
Expense growth in Q4 expected to be higher than Q3, while fee growth may moderate due to seasonality.
Continued focus on organic growth, with plans to increase hiring and expand branch network, especially in Dallas.
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