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Sep 30, 2023

Hancock Whitney Q3 2023 Earnings Report

Hancock Whitney reported EPS of $1.12 for the third quarter of 2023.

Key Takeaways

Hancock Whitney reported a net income of $97.7 million for Q3 2023, with an EPS of $1.12. Results reflect the continued strength and stability of the company, with loan and deposit growth. Net income was impacted by an idiosyncratic charge-off of $29.7 million.

3Q23 net income impacted by “idiosyncratic” charge-off of $29.7 million

Pre-provision net revenue (PPNR) totaled $153.4 million

Deposits increased $277 million, or 4% LQA

Loan growth of $194 million, or 3% LQA

Total Revenue
$355M
Previous year: $366M
-2.9%
EPS
$1.12
Previous year: $1.55
-27.7%
Net Interest Margin
3.27%
Previous year: 3.54%
-7.6%
Efficiency Ratio
56.38%
Previous year: 51.62%
+9.2%
Tangible Common Equity
7.34%
Cash and Equivalents
$818M
Previous year: $590M
+38.7%
Free Cash Flow
$181M
Previous year: $184M
-1.5%
Total Assets
$36.3B
Previous year: $34.6B
+5.0%

Hancock Whitney

Hancock Whitney

Forward Guidance

Management expects 2023 period-end loan growth to be in the range of low- to mid-single digits compared to year-end 2022. Management expects 2023 period-end deposit level growth to be flat to low single digits compared to year-end 2022.