Hancock Whitney Corporation (HWC) – NASDAQ Q2 2025 Earnings Review

# Hancock Whitney Corporation (HWC) – NASDAQ: Q2 2025 Earnings Review

**Release Date: July 15, 2025**

Hancock Whitney Corporation (Nasdaq: HWC) recently announced its financial results for the second quarter of 2025. Below is a summary of the key metrics and developments from the report.

## Financial Highlights

– **Net Income**:
– Totaled **$113.5 million**, or **$1.32** per diluted share
– Compared to **$119.5 million** or **$1.38** per share in Q1 2025
– Increased from **$114.6 million**, or **$1.31** per share in Q2 2024

– **Return on Assets (ROA)**:
– Reported at **1.32%**
– Adjusted ROA at **1.37%**, down from **1.41%** in Q1 2025

– **Pre-Provision Net Revenue (PPNR)**:
– Totaled **$167.9 million**, an increase of **$5.5 million** compared to Q1 2025

– **Loans**:
– Increased by **$363.6 million**, or **2%**, from Q1 2025
– Annualized growth rate of **6%**
– Total loans stood at **$23.5 billion**

– **Deposits**:
– Decreased by **$148.1 million**, or **1%**, from Q1 2025
– Total deposits at **$29.0 billion**

– **Net Interest Margin (NIM)**:
– Reported at **3.49%**, up by **6 basis points** from the prior quarter

– **Capital Ratios**:
– Common Equity Tier 1 (CET1) ratio estimated at **14.03%**, down **45 bps**
– Tangible Common Equity (TCE) ratio at **9.84%**, down **17 bps**
– Total risk-based capital ratio estimated at **15.87%**, down **50 bps**

– **Efficiency Ratio**:
– Improved to **54.91%**, up **31 bps** from Q1 2025

## Additional Developments

– **Supplemental Disclosure Items**:
– Included **$5.9 million**, or **$0.05** per share related to the acquisition of Sabal Trust Company.

– **Share Repurchase**:
– The company repurchased **750,000 shares** of its common stock at an average price of **$52.36** under its share repurchase program.

– **Dividend**:
– Declared a quarterly dividend of **$0.45** per share, consistent with prior quarters.

## Asset Quality

– **Allowance for Credit Losses (ACL)**:
– Total allowance at **$340.3 million**, down **1%** from Q1 2025
– The ratio of ACL to period-end loans at **1.45%**, down from **1.49%**

– **Nonaccrual Loans**:
– Totaled **$94.9 million**, representing **0.40%** of total loans, reduced from **0.45%** in Q1 2025

## Noninterest Income and Expense

– **Noninterest Income**:
– Totaled **$98.5 million**, an increase of **4%** from Q1 2025
– Trust fees surged by **26%** linked to the acquisition of Sabal Trust Company

– **Noninterest Expense**:
– Totaled **$216.0 million**, reflecting an increase of **5%** linked-quarter, influenced by acquisition-related expenses

## Conclusion

Hancock Whitney Corporation’s Q2 2025 earnings report highlights a slight decrease in both net income and total deposits, with solid loan growth and an improved efficiency ratio. The company is focused on enhancing profitability while integrating the newly acquired Sabal Trust Company, which has positively influenced its trust fee income.

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### Condensed Consolidated Balance Sheet
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