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Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
Hancock Whitney
Hancock Whitney (HWC) investor relations material
Hancock Whitney Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary20 Jan, 2026
Executive summary
Q4 2025 net income was $125.6 million ($1.49 per diluted share), nearly flat sequentially and up from $122.1 million year-over-year; full-year 2025 net income was $486.1 million ($5.67 per diluted share), up from 2024.
Adjusted Pre-Provision Net Revenue (PPNR) for Q4 2025 was $174.0 million, slightly down from Q3, with full-year PPNR at $679.9 million, up 6% year-over-year.
Loans grew 3% year-over-year to $24.0 billion, with Q4 growth of $362 million (6% LQA), driven by Healthcare, ICRE, and Equipment Finance.
Deposits ended 2025 at $29.3 billion, up $620 million linked-quarter (9% LQA), supported by public funds and competitive offerings.
Asset quality improved, with criticized and nonaccrual loans declining and ACL coverage at 1.43%.
Financial highlights
Net interest income (TE) for Q4 2025 was $284.7 million, up 1% sequentially; NIM was 3.48%, down 1 bp from Q3.
Noninterest income for Q4 2025 was $107.1 million, up 1% linked-quarter; noninterest expense was $217.9 million, up 2%.
Efficiency ratio for Q4 2025 was 54.93%, up from 54.10% in Q3.
CET1 ratio at year-end was 13.66%, TCE ratio 10.06%, and total risk-based capital 15.46%.
Return on Assets (ROA) for 2025 was 1.40%; Return on Tangible Common Equity (ROTCE) was 14.49%.
Outlook and guidance
Management expects mid-single digit loan growth and low-single digit deposit growth for 2026.
Net interest income projected to rise 5-6% in 2026, with modest NIM expansion anticipated.
Adjusted PPNR expected to increase 4.5-5.5% from FY25; noninterest income to grow 4-5%; noninterest expense to rise 5-6%.
Net charge-offs expected to average 0.15-0.25% of loans in 2026.
Efficiency ratio targeted within 54-55% for FY26.
Bond restructuring: how will it enhance NIM?
CET1 ratio decline: impact of share repurchases?
Deposit cost of funds: sustainable trend for 2026?
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Next Hancock Whitney earnings date
Q1 202614 Apr, 2026
Hancock Whitney
Next Hancock Whitney earnings date
Q1 202614 Apr, 2026
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Frequently asked questions
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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