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Jun 30, 2025
Hancock Whitney Q2 2025 Earnings Report
Hancock Whitney reported solid profitability with loan growth and improved efficiency ratio in Q2 2025.
Key Takeaways
Hancock Whitney posted strong Q2 2025 results with EPS of $1.32 ($1.37 adjusted), net income of $113.5M, improved net interest margin, and loan growth despite deposit declines.
Net income reached $113.5M with EPS of $1.32 ($1.37 adjusted)
Loan growth of $363.6M driven by stronger commercial demand
Net interest margin expanded to 3.49%
Efficiency ratio improved to 54.91%
Revenue by Segment
Forward Guidance
Management expects low single-digit loan and deposit growth for 2025, maintaining focus on profitability and efficiency.
Positive Outlook
- Expect low single-digit loan growth from 2024 levels
- Period-end deposit levels expected to rise low single digits in 2025
- Focus on profitability and efficiency continues
- Organic growth strategy execution remains on track
- Sabal Trust acquisition expected to contribute positively
Challenges Ahead
- Deposit declines driven by retail time deposit maturity and promotional rate reductions
- Provision for credit losses increased to $14.9M
- Net charge-offs rose to $17.8M
- CET1 and TCE ratios declined sequentially
- Continued pressure from seasonal outflows in public fund deposits
Historical Earnings Impact
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Avg. Return Before/After Earnings
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