Loading...
•
Sep 30
Hancock Whitney Q3 2025 Earnings Report
Hancock Whitney reported strong earnings in Q3 2025 with EPS of $1.49 and stable margins despite rate headwinds.
Key Takeaways
Hancock Whitney delivered a solid Q3 2025 with $127.5 million in net income and $1.49 in diluted EPS. Revenue rose to $385.7 million, supported by higher noninterest income and stable net interest margins. Deposit balances declined modestly, while loan growth remained positive.
Net income reached $127.5 million, up from $113.5 million in Q2 2025.
EPS came in at $1.49 with no non-GAAP adjustments.
Net interest margin remained steady at 3.49%.
Deposits declined by $386.9 million while loans increased by $134.8 million.
Hancock Whitney
Hancock Whitney
Hancock Whitney Revenue by Segment
Revenue by Segment
Service Charges Revenue
CapyFin.comTrust Fees Revenue
CapyFin.comBank Card & ATM Fees Revenue
CapyFin.comInvestment & Insurance Revenue
CapyFin.comMortgage Operations Revenue
CapyFin.comOther Income Revenue
CapyFin.com Forward Guidance
Management expects modest loan and deposit growth in Q4 2025, with continued focus on operational efficiency and capital deployment.
Positive Outlook
- Expecting low single-digit loan growth in Q4 2025.
- Continued execution on organic growth plan.
- Capital ratios expected to remain strong.
- Efficiency improvements will continue.
- Ongoing share repurchases support EPS.
Challenges Ahead
- Deposit outflows due to seasonality and public fund reductions.
- Net charge-offs could remain elevated.
- Nonaccrual loans increased this quarter.
- Higher incentive compensation may pressure expenses.
- Rate environment may challenge further margin expansion.