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Sep 30, 2025
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.
Revenue by Segment
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.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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