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Mar 31, 2025
Hancock Whitney Q1 2025 Earnings Report
Hancock Whitney reported solid profitability and capital growth during the first quarter of 2025.
Key Takeaways
Hancock Whitney delivered strong Q1 2025 results, with a net income of $119.5M and EPS of $1.38. The bank saw continued capital strength and improved net interest margin, despite declines in loans and deposits.
Net income reached $119.5 million with EPS of $1.38.
Net interest margin increased to 3.43%, supported by lower deposit costs.
Tangible common equity ratio improved to 10.01%.
Quarterly dividend increased 50% year-over-year to $0.45 per share.
Revenue by Segment
Forward Guidance
Management expects modest growth in loans and deposits through 2025, supported by stable capital and asset quality metrics.
Positive Outlook
- Loan balances expected to grow low-single digits from year-end 2024.
- Deposit levels also forecasted to rise slightly.
- Capital ratios projected to remain strong.
- Continued focus on organic growth strategy.
- No supplemental charges or unusual items expected.
Challenges Ahead
- Loan and deposit balances declined during the quarter.
- Higher nonaccrual loans noted.
- Efficiency ratio slightly worsened from prior quarter.
- Net interest income declined 1% linked-quarter.
- Lower loan yields offsetting NIM improvements.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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