Brett Rabatin

Catherine Mealor

Christopher Marinac

Gary Tenner

Matt Olney

Michael Rose

Benjamin Gerlinger

Stephen Scouten

Casey Haire

Ben Gerlinger

- HWC reported **net income of $127.5 million** and **diluted earnings per share of $1.49** for Q3 2025.  **[0000750577_2184352:9]** **[0000750577_2184352:23]** 
- The company's **Net Interest Margin (NIM) remained stable at 3.49%** in Q3 2025, with expectations for **modest expansion in Q4 2025**.  **[0000750577_2184352:9]** **[0000750577_2184352:14]** **[0000750577_2184352:18]** 
- **Noninterest income increased by 8% linked-quarter to $106.0 million**, while **noninterest expense decreased by 1% linked-quarter to $212.8 million**.  **[0000750577_2184352:16]** **[0000750577_2184352:23]** 
- **Loans totaled $23.6 billion** and **deposits totaled $28.7 billion** at September 30, 2025, with full-year 2025 guidance expecting **low single-digit growth** for both.  **[0000750577_2184352:9]** **[0000750577_2184352:15]** **[0000750577_2184352:18]** 
- Asset quality showed **criticized commercial loans decreasing by $20 million** to **$549 million** at September 30, 2025, though **nonaccrual loans increased to $114 million**.  **[0000750577_2184352:12]**

HWC Announces Q3 2025 Financial Results

- HWC reported **Q3 2025 adjusted net income of $128 million** or **$1.49 per share**, with a **Return on Assets (ROA) of 1.46%**.  **[0000750577_2184400_2]** **[0000750577_2184400_1]**  The efficiency ratio improved to **54.1%**.  **[0000750577_2184400_2]** 
- **Fee income grew by 8%** from the prior quarter to **$106 million**, driven by investment, insurance, and annuity fees.  **[0000750577_2184400_1]** **[0000750577_2184400_2]**  Net interest income (NII) was up 1%.  **[0000750577_2184400_2]** 
- Loans grew by **$135 million** or 2% annualized, though net growth was impacted by higher payoffs, including a **$114 million** reduction in SNCs.  **[0000750577_2184400_1]**  Deposits were down **$387 million**, largely due to seasonal activity in public fund DDA and interest-bearing accounts.  **[0000750577_2184400_1]** **[0000750577_2184400_2]** 
- The company repurchased **662,000 shares** of common stock  **[0000750577_2184400_1]**  and maintained strong capital ratios with **TCE at 10.01%** and **Common Equity Tier one ratio at 14.08%**.  **[0000750577_2184400_1]**  Management expects to continue similar levels of buybacks in Q4 2025.  **[0000750577_2184400_7]** 
- HWC plans to open **five new locations in the Dallas market** in late 2025 or early 2026 and anticipates an **increased pace of hiring** in 2026 to support organic growth.  **[0000750577_2184400_1]**

HWC Reports Strong Q3 2025 Earnings with Increased Fee Income and Strategic Growth Initiatives

- HWC reported **strong Q3 2025 performance** with adjusted net income of **$128 million** or **$1.49 per share**, an ROA of **1.46%**, and an improved efficiency ratio of **54.1%**.  **[0000750577_2184413_1]** **[0000750577_2184413_2]** 
- Fee income grew **8%** to **$106 million**, and net interest income was up **1%**.  **[0000750577_2184413_1]** **[0000750577_2184413_2]** 
- Loans grew **$135 million** or **2% annualized**, despite higher paydowns, while deposits decreased by **$387 million**.  **[0000750577_2184413_1]** 
- The company repurchased **662,000 shares** of common stock and ended the quarter with a TCE of **10.01%** and a common equity tier one ratio of **14.08%**.  **[0000750577_2184413_1]** 
- HWC is investing in organic growth by hiring **20 net new bankers** and plans to open **five new locations in the Dallas market** in late 2025 or early 2026.  **[0000750577_2184413_1]**

HWC Reports Strong Q3 2025 Results with Profitability Improvement and Growth Initiatives

- Hancock Whitney Corporation reported **net income of $127.5 million** and **diluted earnings per share (EPS) of $1.49** for the third quarter of 2025, an increase from $113.5 million and $1.32 EPS in the second quarter of 2025.  **[750577_0001193125-25-238979_hwc-ex99_1.htm:0]** **[750577_0001193125-25-238979_hwc-ex99_1.htm:7]** **[750577_0001193125-25-238979_hwc-ex99_1.htm:10]** **[750577_0001193125-25-238979_hwc-ex99_1.htm:13]** **[750577_0001193125-25-238979_hwc-ex99_1.htm:14]** 
- Total loans increased by **$134.8 million, or 1%**, to **$23.6 billion** at September 30, 2025, while total deposits decreased by **$386.9 million, or 5% linked quarter annualized (LQA)**, to **$28.7 billion**.  **[750577_0001193125-25-238979_hwc-ex99_1.htm:0]** **[750577_0001193125-25-238979_hwc-ex99_2.htm:7]** **[750577_0001193125-25-238979_hwc-ex99_2.htm:11]** **[750577_0001193125-25-238979_hwc-ex99_1.htm:15]** 
- The company maintained strong capital ratios, with an estimated **CET1 ratio of 14.08%** and a **tangible common equity (TCE) ratio of 10.01%** at September 30, 2025, and an **efficiency ratio of 54.10%**.  **[750577_0001193125-25-238979_hwc-ex99_1.htm:0]** **[750577_0001193125-25-238979_hwc-ex99_2.htm:6]** **[750577_0001193125-25-238979_hwc-ex99_1.htm:7]** **[750577_0001193125-25-238979_hwc-ex99_1.htm:10]** **[750577_0001193125-25-238979_hwc-ex99_2.htm:14]** **[750577_0001193125-25-238979_hwc-ex99_1.htm:15]** 
- During the third quarter of 2025, Hancock Whitney repurchased **662,500 shares** of its common stock at an average price of **$60.45 per share**.  **[750577_0001193125-25-238979_hwc-ex99_1.htm:2]**

HANCOCK WHITNEY (HWC)