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HWC logoHancock Whitney Corporation(HWC)Earnings, Financials & Key Ratios

HWC•NASDAQ•Banking & Credit
$68.63
$5.6B mkt cap·12.1× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutHancock Whitney Corporation operates as the financial holding company for Hancock Whitney Bank that provides traditional and online banking services to commercial, small business, and retail customers. It accepts various deposit products, including noninterest-bearing demand deposits, interest-bearing transaction accounts, savings accounts, money market deposit accounts, and time deposit accounts. The company also offers loans products comprising commercial and industrial loans; commercial real estate loans; construction and land development loans; residential mortgages; consumer loans comprising second lien mortgage home loans, home equity lines of credit, and nonresidential consumer purpose loans; revolving credit facilities; and letters of credit and financial guarantees. In addition, it offers investment brokerage and treasury management services, and annuity and life insurance products; and trust and investment management services to retirement plans, corporations, and individuals. Further, the company facilitates investments in new market tax credit activities; and holds various foreclosed assets. The company operates 177 banking locations and 239 automated teller machines primarily in the Gulf south corridor, including southern and central Mississippi; southern and central Alabama; southern, central, and northwest Louisiana; the northern, central, and panhandle regions of Florida; and certain areas of east Texas, including Houston, Beaumont, Dallas, and San Antonio. It also operates a loan production office in Tennessee; and a trust and asset management office in Texas. The company was formerly known as Hancock Holding Company and changed its name to Hancock Whitney Corporation in May 2018. Hancock Whitney Corporation was founded in 1899 and is headquartered in Gulfport, Mississippi.Show more
  • Net Interest Income$980M-9.4%
  • Total Revenue$2.02B-1.5%
  • Net Income$486M+5.5%
  • Return on Equity11.32%-2.6%
  • Net Interest Margin2.76%-10.4%
  • Efficiency Ratio42.06%+6.1%
  • ROA1.38%+5.6%
  • Equity / Assets12.57%+6.9%
  • Book Value per Share52.92+11.1%
  • Tangible BV/Share41.15+10.1%
  • Debt/Equity0.30+28.0%
Technical→

HWC Key Insights

Hancock Whitney Corporation (HWC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 42.1% efficiency ratio
  • ✓Well capitalized: 12.6% equity/assets
  • ✓Healthy dividend yield of 2.7%
  • ✓Share count reduced 2.7% through buybacks
  • ✓Trading at only 1.3x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

HWC Price & Volume

Hancock Whitney Corporation (HWC) stock price & volume — 10-year historical chart

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HWC Growth Metrics

Hancock Whitney Corporation (HWC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years8.14%
5 Years7.86%
3 Years11.26%
TTM-

Profit CAGR

10 Years13.97%
5 Years-
3 Years-2.48%
TTM5.48%

EPS CAGR

10 Years13.23%
5 Years-
3 Years-1.7%
TTM7.58%

Return on Capital

10 Years8.81%
5 Years10.9%
3 Years8.7%
Last Year3.18%

HWC Recent Earnings

Hancock Whitney Corporation (HWC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 11/12 qtrs (100%)●Beat Revenue 1/12 qtrs (9%)
Q2 2026Latest
Apr 21, 2026
EPS
$1.52
Est $1.48
+2.7%
Revenue
$394M
Est $393M
+0.3%
Q1 2026
Feb 26, 2026
EPS
$1.49
Revenue
$515M
Q1 2026
Jan 20, 2026
EPS
$1.49
Est $1.48
+0.7%
Revenue
$392M
Est $392M
-0.0%
Q4 2025
Oct 14, 2025
EPS
$1.49
Est $1.43
+4.2%
Revenue
$384M
Est $391M
-1.9%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$1.52vs $1.48+2.7%
$394Mvs $393M+0.3%
Q1 2026Feb 26, 2026
$1.49
$515M
Q1 2026Jan 20, 2026
$1.49vs $1.48+0.7%
$392Mvs $392M-0.0%
Q4 2025Oct 14, 2025
$1.49vs $1.43+4.2%
$384Mvs $391M-1.9%
Based on last 12 quarters of dataView full earnings history →

HWC Peer Comparison

Hancock Whitney Corporation (HWC) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
HOMB logoHOMBHome Bancshares, Inc.Direct Competitor5.32B27.0313.459.47%10.86%0.30
HOPE logoHOPEHope Bancorp, Inc.Direct Competitor1.62B12.6327.46-3.23%2.62%0.17
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.13B21.59-7.32-56.66%-11.63%0.19
UBSI logoUBSIUnited Bankshares, Inc.Direct Competitor6.11B43.7213.3712.33%8.6%0.17
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.64B32.6020.9018.79%13.25%0.12
BOKF logoBOKFBOK Financial CorporationDirect Competitor10.44B135.5416.6510.4%8.91%0.80
SNV logoSNVSynovus Financial Corp.Direct Competitor6.95B50.0516.521.16%13.7%0.35
CBSH logoCBSHCommerce Bancshares, Inc.Product Competitor7.71B52.5312.872.23%15.34%0.79

Compare HWC vs Peers

Hancock Whitney Corporation (HWC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HOMB

Most directly comparable listed peer for HWC.

Scale Benchmark

vs V

Larger-name benchmark to compare HWC against a more recognizable public peer.

Peer Set

Compare Top 5

vs HOMB, HOPE, SFNC, UBSI

HWC Income Statement

Hancock Whitney Corporation (HWC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income792.31M848.84M895.22M942.52M933.24M1.05B1.1B1.08B979.98M
NII Growth %20.21%7.13%5.46%5.28%-0.99%12.51%4.53%-1.43%-9.42%
Net Interest Margin %2.9%3.01%2.93%2.8%2.55%2.98%3.09%3.08%2.76%
Interest Income900.58M1.03B1.13B1.06B982.26M1.14B1.62B1.69B1.49B
Interest Expense108.27M179.43M230.56M115.46M49.02M87.06M522.9M611.07M507.93M
Loan Loss Provision58.97M36.12M47.71M602.9M-77.49M-28.4M59.1M52.17M35.96M
Non-Interest Income260.3M260.49M315.91M324.43M362.91M328.39M269.09M356.31M530.26M
Non-Interest Income %22.42%20.21%21.91%23.47%26.98%22.41%14.24%17.39%26.27%
Total Revenue
1.16B▲ 0%
1.29B▲ 11.0%
1.44B▲ 11.9%
1.38B▼ 4.1%
1.35B▼ 2.7%
1.47B▲ 8.9%
1.89B▲ 28.9%
2.05B▲ 8.5%
2.02B▼ 1.5%
Revenue Growth %18.33%11.01%11.87%-4.11%-2.69%8.94%28.94%8.45%-1.52%
Non-Interest Expense685.21M691.09M770.68M788.79M805.58M747.6M817.46M812.09M848.75M
Efficiency Ratio59.03%53.62%53.46%57.06%59.89%51.01%43.26%39.63%42.06%
Operating Income
308.43M▲ 0%
382.12M▲ 23.9%
392.74M▲ 2.8%
-124.75M▼ 131.8%
568.06M▲ 555.4%
659.2M▲ 16.0%
490.13M▼ 25.6%
573.97M▲ 17.1%
625.54M▲ 9.0%
Operating Margin %26.57%29.65%27.24%-9.02%42.23%44.98%25.94%28.01%31%
Operating Income Growth %65.01%23.89%2.78%-131.76%555.37%16.04%-25.65%17.11%8.98%
Pretax Income
308.43M▲ 0%
382.12M▲ 23.9%
392.74M▲ 2.8%
-124.75M▼ 131.8%
568.06M▲ 555.4%
659.2M▲ 16.0%
490.13M▼ 25.6%
573.97M▲ 17.1%
612.39M▲ 6.7%
Pretax Margin %26.57%29.65%27.24%-9.02%42.23%44.98%25.94%28.01%30.34%
Income Tax92.8M58.35M65.36M-79.57M104.84M135.11M97.53M113.16M126.32M
Effective Tax Rate %30.09%15.27%16.64%63.79%18.46%20.5%19.9%19.71%20.63%
Net Income
215.63M▲ 0%
323.77M▲ 50.1%
327.38M▲ 1.1%
-45.17M▼ 113.8%
463.21M▲ 1125.4%
524.09M▲ 13.1%
392.6M▼ 25.1%
460.81M▲ 17.4%
486.07M▲ 5.5%
Net Margin %18.57%25.12%22.71%-3.27%34.44%35.76%20.78%22.49%24.08%
Net Income Growth %44.43%50.15%1.11%-113.8%1125.4%13.14%-25.09%17.37%5.48%
Net Income (Continuing)215.63M323.77M327.38M-45.17M463.21M524.09M392.6M460.81M486.07M
EPS (Diluted)
2.48▲ 0%
3.72▲ 50.0%
3.72▲ 0.0%
-0.54▼ 114.5%
5.22▲ 1066.7%
5.98▲ 14.6%
4.50▼ 24.7%
5.28▲ 17.3%
5.68▲ 7.6%
EPS Growth %32.62%50%0%-114.52%1066.67%14.56%-24.75%17.33%7.58%
EPS (Basic)2.493.723.72-0.545.236.004.515.305.71
Diluted Shares Outstanding86.6M85.52M86.6M86.53M88.57M87.35M86.42M86.65M84.28M

HWC Balance Sheet

Hancock Whitney Corporation (HWC) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments3.39B3.18B5.22B7.86B11.22B6.44B6.1B6.68B563.22M
Cash & Due from Banks479.11M493.95M542.07M1.86B4.23B887.79M1.19B1.51B563M
Short Term Investments2.91B2.69B4.68B6B6.99B5.56B4.92B5.16B229K
Total Investments24.72B25.53B27.46B29.06B29.6B31.44B31.42B30.76B32.1B
Investments Growth %14.56%3.3%7.54%5.85%1.84%6.23%-0.07%-2.1%4.37%
Long-Term Investments21.8B22.84B22.78B23.06B22.61B25.89B26.51B25.6B32.1B
Accounts Receivables82.19M86.68M92.04M104.27M96.94M131.85M157.18M143.24M138.51M
Goodwill & Intangibles836.16M887.12M962.26M942.35M925.68M911.65M900.09M890.68M992.48M
Goodwill745.52M790.97M855.45M855.45M855.45M855.45M855.45M855.45M925.4M
Intangible Assets90.64M96.15M106.81M86.89M70.23M56.19M44.64M35.22M67.07M
PP&E (Net)333.66M353.67M490.23M491.21M452.55M425.49M407.44M378.59M0
Other Assets807.87M825.84M986.16M1.04B1.06B1.09B1.25B1.18B2.24B
Total Current Assets3.5B3.31B5.38B8.11B11.48B6.61B6.36B6.88B132.27M
Total Non-Current Assets23.84B24.93B25.22B25.53B25.05B28.53B29.22B28.2B35.34B
Total Assets
27.34B▲ 0%
28.24B▲ 3.3%
30.6B▲ 8.4%
33.64B▲ 9.9%
36.53B▲ 8.6%
35.18B▼ 3.7%
35.58B▲ 1.1%
35.08B▼ 1.4%
35.47B▲ 1.1%
Asset Growth %14.02%3.29%8.38%9.93%8.6%-3.69%1.12%-1.4%1.11%
Return on Assets (ROA)0.84%1.17%1.11%-0.14%1.32%1.46%1.11%1.3%1.38%
Accounts Payable8.68M12.27M10.2M4.32M3.1M9.94M45M20.15M14.48M
Total Debt2.01B1.81B3.08B2.18B2.03B2.23B1.52B967.38M1.34B
Net Debt1.53B1.32B2.53B316.8M-2.2B1.34B328.92M-546.84M775.21M
Long-Term Debt305.51M224.99M233.46M378.32M244.22M242.08M236.32M210.54M199.41M
Short-Term Debt1.7B1.59B2.71B1.67B1.67B1.87B1.15B639.01M1.02B
Other Liabilities179.85M177.99M205.54M271.52M341.06M531.14M523.09M473.77M29.67B
Total Current Liabilities23.97B24.75B26.53B29.37B32.13B30.95B30.89B30.15B1.02B
Total Non-Current Liabilities485.37M402.99M604.42M829.87M726.79M889.64M885.02M802.13M30.14B
Total Liabilities24.45B25.15B27.13B30.2B32.86B31.84B31.77B30.95B31.01B
Total Equity
2.88B▲ 0%
3.08B▲ 6.8%
3.47B▲ 12.5%
3.44B▼ 0.8%
3.67B▲ 6.7%
3.34B▼ 8.9%
3.8B▲ 13.8%
4.13B▲ 8.5%
4.46B▲ 8.1%
Equity Growth %6.07%6.81%12.54%-0.83%6.73%-8.93%13.79%8.52%8.05%
Equity / Assets (Capital Ratio)10.55%10.91%11.33%10.22%10.05%9.5%10.69%11.77%12.57%
Return on Equity (ROE)7.69%10.85%10%-1.31%13.03%14.95%10.99%11.62%11.32%
Book Value per Share33.3136.0340.0439.7441.4438.2744.0147.6452.92
Tangible BV per Share23.6625.6628.9328.8530.9927.8333.6037.3641.15
Common Stock292.72M292.72M309.51M309.51M309.51M309.51M309.51M309.51M309.51M
Additional Paid-in Capital1.72B1.73B1.74B1.76B1.76B1.72B1.74B1.72B1.49B
Retained Earnings1.01B1.24B1.48B1.29B1.66B2.09B2.38B2.7B3.04B
Accumulated OCI-134.4M-180.71M-54.72M80.07M-53.94M-772.18M-621.13M-606.09M-376.25M
Treasury Stock000000000
Preferred Stock000000000

HWC Cash Flow Statement

Hancock Whitney Corporation (HWC) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations411.08M449.18M351.95M355.19M585.69M842.02M495.25M625.74M541.78M
Operating CF Growth %20.65%9.27%-21.65%0.92%64.89%43.77%-41.18%26.35%-13.42%
Net Income215.63M323.77M327.38M-45.17M463.21M524.09M392.6M460.81M486.07M
Depreciation & Amortization50.56M48.58M51.75M50.04M45.78M45.62M46.28M41.71M37.27M
Deferred Taxes49.83M45.21M47.1M-20.72M10.38M-22.17M13.99M4.3M23.22M
Other Non-Cash Items87.99M30.9M-26.94M633.41M-36.26M-31.09M113.84M56.16M64.43M
Working Capital Changes-10.56M-19.07M-68.24M-283.49M80.14M302.08M-96.11M40.05M-93.66M
Cash from Investing-895.32M-846.9M-459.02M-3.18B-3.22B662.36M-295.21M274.76M-314.36M
Purchase of Investments-1.61B-1.02B-1.19B-3.62B-5.36B-1.52B-1.36B-1.08B-1.24B
Sale/Maturity of Investments1.28B1.18B1.26B1.43B1.39B4.32B1.97B693.09M1.79B
Net Investment Activity-328.84M160.02M67.43M-2.18B-3.97B2.8B615.92M-383.54M547.61M
Acquisitions476.61M219.42M26.95M00000-112.07M
Other Investing-1.02B-1.18B-510.69M-955.05M772.82M-2.11B-886.11M668.53M-731.17M
Cash from Financing498.5M394.14M155.81M2.92B2.51B-1.34B-203.29M-886.79M-239.34M
Dividends Paid-83.27M-88.84M-94.87M-95.61M-95.93M-94.46M-104.7M-130.84M-153.8M
Share Repurchases0-8.27M-185M-12.72M-21.8M-58.89M0-37.69M-246.87M
Stock Issued15.31M4.64M4.16M12.11M4.36M3.8M3.81M4.12M4.44M
Net Stock Activity15.31M-3.63M-180.84M-606K-17.43M-55.09M3.81M-33.57M-242.43M
Debt Issuance (Net)-1000K-1000K1000K-1000K-1000K1000K-1000K-1000K1000K
Other Financing888.55M670.97M-633.85M3.89B2.76B-1.4B614.03M-206.57M-221.38M
Net Change in Cash
14.26M▲ 0%
-3.58M▼ 125.1%
48.73M▲ 1462.8%
94.2M▲ 93.3%
-125.11M▼ 232.8%
163.26M▲ 230.5%
-3.26M▼ 102.0%
13.71M▲ 520.9%
-11.91M▼ 186.9%
Exchange Rate Effect000000000
Cash at Beginning372.69M386.95M383.37M432.1M526.31M401.2M564.46M561.2M574.91M
Cash at End386.95M383.37M432.1M526.31M401.2M564.46M561.2M574.91M563M
Interest Paid108.7M175.38M232.46M121.34M49.99M80.08M487.68M635.77M511.36M
Income Taxes Paid45.09M7.28M28.29M17.46M122.59M135.19M103.19M89.64M103.14M
Free Cash Flow
390.79M▲ 0%
398.52M▲ 2.0%
309.23M▼ 22.4%
317.32M▲ 2.6%
562.15M▲ 77.2%
812.88M▲ 44.6%
470.22M▼ 42.2%
615.5M▲ 30.9%
523.06M▼ 15.0%
FCF Growth %20.37%1.98%-22.4%2.62%77.15%44.6%-42.15%30.9%-15.02%

HWC Banking Ratios

Hancock Whitney Corporation (HWC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)5.82%7.69%10.85%10%-1.31%13.03%14.95%10.99%11.62%11.32%
Return on Assets (ROA)0.64%0.84%1.17%1.11%-0.14%1.32%1.46%1.11%1.3%1.38%
Net Interest Margin2.75%2.9%3.01%2.93%2.8%2.55%2.98%3.09%3.08%2.76%
Efficiency Ratio62.22%59.03%53.62%53.46%57.06%59.89%51.01%43.26%39.63%42.06%
Equity / Assets11.34%10.55%10.91%11.33%10.22%10.05%9.5%10.69%11.77%12.57%
Book Value / Share34.0733.3136.0340.0439.7441.4438.2744.0147.6452.92
NII Growth5.43%20.21%7.13%5.46%5.28%-0.99%12.51%4.53%-1.43%-9.42%
Dividend Payout51.27%38.61%27.44%28.98%-20.71%18.02%26.67%28.39%31.64%

HWC SEC Filings & Documents

Hancock Whitney Corporation (HWC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 21, 2026·SEC

Material company update

Jan 29, 2026·SEC

Material company update

Jan 20, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 28, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 9, 2025·SEC

HWC Frequently Asked Questions

Hancock Whitney Corporation (HWC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Hancock Whitney Corporation (HWC) saw revenue decline by 1.5% over the past year.

Yes, Hancock Whitney Corporation (HWC) is profitable, generating $486.1M in net income for fiscal year 2025 (24.1% net margin).

Dividend & Returns

Yes, Hancock Whitney Corporation (HWC) pays a dividend with a yield of 2.66%. This makes it attractive for income-focused investors.

Hancock Whitney Corporation (HWC) has a return on equity (ROE) of 11.3%. This is reasonable for most industries.

Industry Metrics

Hancock Whitney Corporation (HWC) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.

Hancock Whitney Corporation (HWC) has an efficiency ratio of 42.1%. This is excellent, indicating strong cost control.

Explore More HWC

Hancock Whitney Corporation (HWC) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
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