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HWC

Hancock Whitney Corporation

HWC

Hancock Whitney Corporation • NASDAQ
$60.59 ▼ -0.29% (-0.17)
Market Cap $5.19 B
52w High $64.66
52w Low $43.90
Dividend Yield 1.80%
P/E 10.88
Volume 359.49K
Outstanding Shares 85.66M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $515.021M ▲ $212.753M ▼ $127.466M ▲ 24.75% ▲ $1.49 ▲ $168.338M ▲
Q2-2025 $500.069M ▲ $214.943M ▲ $113.531M ▼ 22.703% ▼ $1.32 ▼ $154.332M ▼
Q1-2025 $488.255M ▼ $203.202M ▲ $119.504M ▼ 24.476% ▲ $1.38 ▼ $159.08M ▼
Q4-2024 $504.44M ▼ $201.278M ▲ $122.074M ▲ 24.2% ▲ $1.41 ▲ $160.497M ▲
Q3-2024 $522.428M $200.896M $115.572M 22.122% $1.33 $155.709M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $6.308B ▼ $35.766B ▲ $31.292B ▲ $4.474B ▲
Q2-2025 $6.753B ▲ $35.213B ▲ $30.847B ▲ $4.365B ▲
Q1-2025 $6.686B ▲ $34.751B ▼ $30.472B ▼ $4.279B ▲
Q4-2024 $6.676B ▲ $35.082B ▼ $30.954B ▼ $4.128B ▼
Q3-2024 $6.661B $35.238B $31.063B $4.175B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $127.466M ▲ $158.787M ▲ $-539.024M ▼ $382.317M ▲ $2.08M ▼ $154.967M ▲
Q2-2025 $113.531M ▼ $125.803M ▲ $-400.482M ▼ $276.834M ▲ $2.155M ▲ $121.996M ▲
Q1-2025 $119.504M ▼ $104.182M ▼ $291.246M ▲ $-459.991M ▼ $-64.563M ▼ $100.231M ▼
Q4-2024 $121.413M ▲ $191.559M ▲ $-25.523M ▼ $-161.002M ▲ $5.034M ▼ $188.822M ▲
Q3-2024 $116.356M $162.47M $271.355M $-364.777M $69.048M $158.554M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Credit and Debit Card
Credit and Debit Card
 $40.00M ▲$20.00M ▼$20.00M ▲$20.00M ▲
Deposit Account
Deposit Account
 $50.00M ▲$20.00M ▼$20.00M ▲$30.00M ▲
Fiduciary and Trust
Fiduciary and Trust
 $40.00M ▲$20.00M ▼$20.00M ▲$20.00M ▲
Investment Advisory Management and Administrative Service
Investment Advisory Management and Administrative Service
 $20.00M ▲$10.00M ▼$10.00M ▲$10.00M ▲
Mortgage Banking
Mortgage Banking
 $10.00M ▲$0 ▼$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Hancock Whitney’s earnings profile looks like a bank that has come through a rough patch and now sits in a solid, but competitive, spot. Revenue has generally trended upward over the past several years, and profitability has recovered well from the loss year early in the decade. Margins have been healthy for a regional bank, though not at peak levels every year, reflecting normal swings from interest-rate moves and credit costs. Overall, the income statement suggests a mature regional bank with steady core earnings, some sensitivity to the rate environment, and room to improve efficiency and fee income mix over time.

Balance Sheet

Balance Sheet The balance sheet looks reasonably sturdy and controlled. Total assets have been fairly stable, indicating measured growth rather than a push for aggressive expansion. Cash levels jumped earlier in the decade and then normalized, which is typical around periods of heavy deposit inflows and central bank support. Debt has been reduced from its higher levels, which lowers financial risk, while equity has been building, suggesting retained profits and a solid capital cushion. In plain terms, the bank appears conservatively financed and not overstretched.

Cash Flow

Cash Flow Cash generation from operations has been consistently positive and has generally strengthened over time. After covering a modest level of capital spending, the bank has regularly produced free cash flow, implying it can support dividends, buybacks, or growth initiatives from its own cash rather than relying heavily on outside funding. Capital expenditures are relatively small and stable, reinforcing that this is an incremental, efficiency-focused spender rather than a bank undertaking very large, risky projects. The cash flow profile supports the picture of a stable, cash-generative regional institution.

Competitive Edge

Competitive Edge Hancock Whitney holds a meaningful regional franchise in the Gulf South with long-standing local relationships and brand recognition built over more than a century. Its strategy now leans on deepening this core base while expanding into attractive, faster-growing markets such as Texas and Florida. The bank is pushing to diversify beyond traditional lending into wealth management, treasury services, and specialized lending, which can make revenues less volatile over time. Key competitive risks include intense competition from larger national banks and fintechs, concentration in specific regional economies, and execution risk in new markets and acquisitions. Its edge rests on local knowledge, relationship banking, and a more modern digital platform, rather than sheer scale.

Innovation and R&D

Innovation and R&D For a regional bank, Hancock Whitney is leaning fairly hard into technology and process modernization. Investments in its digital banking, business mobile tools, and treasury platforms aim to make services smoother and more data-driven for both consumers and businesses. The adoption of a cloud-based core operating system and early use of artificial intelligence and machine learning should improve speed, underwriting, and customer insights over time. At the same time, the bank is trying to preserve a high-touch, relationship-driven model. The innovation program looks evolutionary rather than disruptive—focused on efficiency, better client experience, and fee-based services—while still carrying the usual execution and cybersecurity risks that come with greater digital reliance.

Summary

Overall, Hancock Whitney presents as a mature regional bank that has rebuilt earnings after earlier stress and now shows steady profitability, conservative balance sheet management, and reliable cash generation. Its strategy centers on combining traditional relationship banking with targeted expansion into growth markets and a steady shift toward fee-based, service-oriented revenue. Technology investments and wealth management expansion provide important avenues for differentiation but also require consistent, disciplined execution. The main watchpoints are interest-rate swings, regional economic conditions, credit quality, and the bank’s ability to integrate acquisitions and turn new markets and digital investments into lasting, diversified earnings.

NEWS

November 28, 2025 · 3:11 PM UTC

Media Advisory: FHLB Dallas and Hancock Whitney Bank to Award $15K Grant to Louisiana Homeowner as Part of More Than $500K in Recovery Grants on the Gulf Coast

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November 17, 2025 · 10:57 AM UTC

Hancock Whitney Welcomes Stringer as Director of Government Affairs

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October 23, 2025 · 4:05 PM UTC

Hancock Whitney Corporation Announces Quarterly Dividend

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October 14, 2025 · 4:00 PM UTC

Hancock Whitney Reports Third Quarter 2025 EPS of $1.49

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September 23, 2025 · 4:00 PM UTC

Hancock Whitney Corporation to Announce Third Quarter 2025 Financial Results and Host Conference Call October 14

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