Hancock Whitney Corporation (NASDAQ: HWC) Q2 2025 Earnings | 07/16/2025

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Hancock Whitney Corporation reported its Q2 2025 results on July 16, 2025, delivering mixed performance marked by continued net interest margin (NIM) expansion and a return to loan growth, despite modest declines in net income and deposits compared to the previous quarter. Net income totaled $113.5 million, or $1.32 per diluted share, down from $1.38 per share in Q1. Adjusted earnings per share reached $1.37, slightly above consensus estimates, bolstered by solid revenue and operating efficiency gains. Total revenues rose to $375.5 million, representing a 4.4% year-over-year increase. Net interest income grew to $279.5 million, up 2.3% from the prior year, while the bank’s NIM improved to 3.49%—a 6 basis point increase from Q1. Noninterest income climbed to $98.5 million, up 10.5% year-over-year, driven by record trust fees, increased contributions from the Sabal Trust Company acquisition, and broad-based growth across most fee categories. Loan balances showed strong momentum, increasing by $364 million (6% annualized) to $23.5 billion, as management pivoted to growth and expanded its loan book. Deposits declined slightly by $148 million to $29.0 billion, reflecting a competitive deposit environment, but noninterest-bearing deposits improved during the period. Operating expenses totaled $216 million, including $5.9 million of one-time items; underlying expense growth remained modest. The efficiency ratio improved to 54.91%, supported by disciplined cost management. Asset quality also improved, with criticized commercial loans declining and nonaccrual loans reduced to 0.40% of the loan portfolio. The allowance for credit losses remained robust at 1.45%. Capital levels stayed strong, with a Common Equity Tier 1 (CET1) ratio of 14.03% and tangible common equity ratio at 9.84%, affording the company significant financial flexibility. Strategic Updates & Outlook: Hancock Whitney continued its organic growth plan, hiring 10 new bankers in Q2 and planning further expansion, particularly in the Dallas metropolitan area. Management reaffirmed guidance for continued NIM expansion in 2025, assuming two 25-basis-point Fed rate cuts. The company remains focused on cost management, modest loan and deposit growth, and expanding its fee-based businesses. Capital deployment included repurchasing 750,000 shares during the quarter, underscoring commitment to shareholder returns and sustained dividend payments. About Inside Ticker: For more expert analysis and real-time updates on Hancock Whitney Corporation (NASDAQ: HWC) and other market movers, follow Inside Ticker and visit InsideTicker.com for in-depth reports, financial insights, and the latest news on leading companies. #HancockWhitney #HWC #Q22025 #Earnings #FinancialResults #NetInterestMargin #LoanGrowth #Banking #StockMarket #Investing #InsideTicker #AssetQuality #EfficiencyRatio #ShareholderReturns #Dividend #CapitalStrength #BusinessUpdate #DallasExpansion #OrganicGrowth #2025Outlook