Hancock Whitney Corporation

Latest Results (04.04.2026):

Hancock Whitney Corporation’s results for the fourth quarter of 2025 show steady profitability and balance-sheet growth: net income was $125.6 million ($1.49 diluted EPS) in Q4 2025 versus $127.5 million ($1.49) in Q3 2025 and $122.1 million ($1.40) in Q4 2024. Adjusted pre-provision net revenue was $174.0 million, loans ended at $24.0 billion (up ~$362 million linked-quarter) and deposits finished at $29.3 billion (up $620 million linked-quarter). NIM was 3.48% (down 1 bp), ACL coverage was 1.43%, efficiency ratio was 54.93%, and the company completed significant buybacks while authorizing a new repurchase program for 2026.

Earnings & adjusted performance

Q4 2025 net income $125.6M, diluted EPS $1.49. For the full year 2025 management highlighted adjusted EPS up ~8% and adjusted PPNR improved ~6% year-over-year.

Loan and deposit trends

Period-end loans $24.0B (up $361.9M, ~2% linked-quarter); management cites 6% linked-quarter annualized loan growth driven by healthcare, ICRE and equipment finance. Deposits $29.3B (up $620M, ~2% linked-quarter; ~9% LQA driven by seasonal public funds).

Net interest income & margin

Net interest income (TE) $284.7M (+1% linked-quarter). NIM (TE) 3.48%, down 1 basis point; lower loan yields (-10 bps) were partially offset by higher securities yield and lower cost of funds.

Asset quality

Allowance for credit losses $341.7M (ACL/period-end loans 1.43%). Q4 provision $13.1M; net charge-offs $13.0M (annualized 0.22%). Criticized commercial loans and nonaccrual loans decreased quarter-to-quarter.

Capital, buybacks & book value

Estimated CET1 13.66% (down 43 bps linked-quarter); tangible common equity ratio 10.06% (up 5 bps). During Q4 the company repurchased 2,543,700 shares (avg $57.62), exhausting the prior authorization; board approved a new repurchase program for up to 4,112,966 shares in 2026. Tangible book value per share finished higher year-over-year.

Revenue mix, expenses & efficiency

Noninterest income $107.1M (+1% linked-quarter) with growth in other noninterest income (SBIC) offsetting some declines (annuity/investment income). Noninterest expense $217.9M (+2% linked-quarter); efficiency ratio 54.93% (slightly higher than prior quarter).

2026 outlook

Management expects 2026 period-end loans to be up mid-single digits and period-end deposits up low-single digits from December 31, 2025, and notes continued focus on margin opportunities (including bond portfolio restructuring) and revenue-generating investments.