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Dec 31, 2025
Hancock Whitney Q4 2025 Earnings Report
Hancock Whitney reported its financial results for the fourth quarter of 2025, with net income totaling $125.6 million and diluted EPS of $1.49.
Key Takeaways
Hancock Whitney Corporation announced solid financial results for the fourth quarter of 2025, with net income of $125.6 million and diluted EPS of $1.49, consistent with the prior quarter. The company experienced strong loan and deposit growth, and maintained solid asset quality, contributing to a strong finish for the year.
Net income for Q4 2025 was $125.6 million, with diluted EPS of $1.49, matching the previous quarter's EPS.
Loans increased by $362 million, or 6% linked quarter annualized, driven by healthcare production, ICRE activity, and equipment finance.
Deposits grew by $620 million, or 9% linked quarter annualized, primarily due to seasonal public fund balances.
Asset quality remained solid with ACL coverage at 1.43%, and criticized commercial loans and nonaccrual loans decreased.
Revenue by Segment
Forward Guidance
Hancock Whitney anticipates continued growth and enhanced shareholder value in 2026, with end of period loans expected to be up mid-single digits and period-end deposits up low-single digits from December 31, 2025 levels.
Positive Outlook
- Expect end of period loans to be up mid-single digits from December 31, 2025.
- Management expects 2026 period-end deposits to be up low-single digits from December 31, 2025 levels.
- The company believes it enters 2026 well-positioned for continued growth.
- The company believes it enters 2026 well-positioned for enhanced shareholder value.
- The board approved a new share repurchase plan effective January 1, 2026, authorizing the purchase of up to 4,112,966 shares.
Challenges Ahead
- NIM declined 1 basis point to 3.48% in Q4 2025.
- CET1 ratio estimated at 13.66%, down 43 bps linked-quarter.
- Total risk-based capital ratio estimated at 15.46%, down 46 bps linked-quarter.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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