Free Trial
→ Crypto bros: Meet your replacement (From Brownstone Research) (Ad) Free HWC Stock Alerts

Hancock Whitney (HWC) Financials

Hancock Whitney logo
$58.25 +0.62 (+1.08%)
Closing price 04:00 PM Eastern
Extended Trading
$58.26 +0.01 (+0.01%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
Compare
Annual Income Statements for Hancock Whitney

Annual Income Statements for Hancock Whitney

This table shows Hancock Whitney's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 131 149 216 324 -45 463 524 393 461
Consolidated Net Income / (Loss)		 131 149 216 324 -45 463 524 393 461
Net Income / (Loss) Continuing Operations		 131 149 216 324 -45 463 524 393 461
Total Pre-Tax Income 		170 187 308 382 -125 568 659 490 574
Total Revenue		 862 910 1,060 1,134 1,267 1,298 1,381 1,386 1,446
Net Interest Income / (Expense)		 625 659 792 849 943 933 1,050 1,098 1,082
Total Interest Income		 680 732 901 1,028 1,058 982 1,137 1,620 1,693
Loans and Leases Interest Income		 584 626 773 879 910 828 942 1,381 1,454
Investment Securities Interest Income		 95 106 128 149 148 154 195 240 239
Total Interest Expense		 54 73 108 179 115 49 87 523 611
Deposits Interest Expense		 34 49 77 131 88 26 58 444 574
Short-Term Borrowings Interest Expense		 1.08 4.07 16 36 10 6.02 16 67 24
Long-Term Debt Interest Expense		 20 20 16 13 17 17 12 12 12
Total Non-Interest Income		 237 251 268 285 324 364 331 288 364
Service Charges on Deposit Accounts		 - - 220 242 268 289 278 282 304
Other Service Charges		 176 178 40 44 56 75 54 71 60
Other Non-Interest Income		 -5.75 -5.92 - -25 0.49 - -0.09 - 0.00
Provision for Credit Losses		 73 111 59 36 603 -77 -28 59 52
Total Non-Interest Expense		 620 612 693 716 789 807 751 837 820
Salaries and Employee Benefits		 334 355 392 405 464 482 461 461 469
Net Occupancy & Equipment Expense		 116 114 129 138 160 165 171 188 193
Other Operating Expenses		 146 124 149 151 145 143 105 176 148
Amortization Expense		 24 20 22 22 20 17 14 12 9.41
Income Tax Expense		 38 38 93 58 -80 105 135 98 113
Basic Earnings per Share		 $1.64 $1.87 $2.49 $3.72 ($0.54) $5.23 $6.00 $4.51 $5.30
Weighted Average Basic Shares Outstanding		 78.20M 77.85M 84.70M 85.36M 86.53M 86.82M 86.07M 86.13M 86.35M
Diluted Earnings per Share		 $1.64 $1.87 $2.48 $3.72 ($0.54) $5.22 $5.98 $4.50 $5.28
Weighted Average Diluted Shares Outstanding		 78.31M 77.95M 84.96M 85.52M 86.53M 87.03M 86.39M 86.42M 86.65M
Weighted Average Basic & Diluted Shares Outstanding		 80.20M 79.80M 86.60M 87M 86.75M - 85.98M 86.35M 86.13M
Cash Dividends to Common per Share		 $0.96 $0.96 $0.96 $1.02 $1.08 $1.08 $1.08 $1.20 $1.50

Quarterly Income Statements for Hancock Whitney

This table shows Hancock Whitney's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 135 144 126 118 98 51 109 115 116 122 120
Consolidated Net Income / (Loss)		 135 144 126 118 98 51 109 115 116 122 120
Net Income / (Loss) Continuing Operations		 135 144 126 118 98 51 109 115 116 122 120
Total Pre-Tax Income 		171 180 158 147 122 62 133 145 145 151 149
Total Revenue		 366 373 365 357 355 308 354 360 368 365 365
Net Interest Income / (Expense)		 280 296 285 274 269 269 266 270 272 274 270
Total Interest Income		 300 346 373 405 416 427 422 428 429 414 395
Loans and Leases Interest Income		 249 292 315 342 359 365 364 370 370 350 332
Investment Securities Interest Income		 50 54 58 63 56 62 58 57 60 64 63
Total Interest Expense		 19 50 88 131 147 157 156 157 158 141 125
Deposits Interest Expense		 14 36 64 103 131 146 147 145 147 135 121
Short-Term Borrowings Interest Expense		 2.75 11 20 26 13 8.13 4.97 9.44 7.42 2.54 1.85
Long-Term Debt Interest Expense		 3.10 3.08 3.10 3.09 3.06 3.06 3.06 3.06 3.06 3.07 3.06
Total Non-Interest Income		 85 77 80 83 86 39 88 89 96 91 95
Service Charges on Deposit Accounts		 71 68 69 70 71 72 75 76 77 76 78
Other Service Charges		 15 9.10 11 13 15 32 13 13 19 15 17
Provision for Credit Losses		 1.40 2.49 6.02 7.63 28 17 13 8.72 19 12 10
Total Non-Interest Expense		 194 190 201 202 205 229 208 206 204 202 205
Salaries and Employee Benefits		 119 119 115 115 116 114 121 119 116 114 114
Net Occupancy & Equipment Expense		 44 44 45 47 48 48 46 49 49 49 49
Other Operating Expenses		 27 24 37 37 38 64 38 36 37 38 40
Amortization Expense		 3.43 3.27 3.11 2.96 2.81 2.67 2.53 2.39 2.29 2.21 2.11
Income Tax Expense		 35 36 32 30 24 12 25 30 30 28 30
Basic Earnings per Share		 $1.56 $1.65 $1.45 $1.35 $1.12 $0.59 $1.25 $1.31 $1.33 $1.41 $1.38
Weighted Average Basic Shares Outstanding		 85.71M 86.07M 86.02M 86.10M 86.13M 86.13M 86.52M 86.51M 86.23M 86.35M 86.09M
Diluted Earnings per Share		 $1.55 $1.65 $1.45 $1.35 $1.12 $0.58 $1.24 $1.31 $1.33 $1.40 $1.38
Weighted Average Diluted Shares Outstanding		 86.02M 86.39M 86.28M 86.37M 86.44M 86.42M 86.73M 86.77M 86.56M 86.65M 86.46M
Weighted Average Basic & Diluted Shares Outstanding		 85.69M 85.98M 86.08M 86.13M 86.15M 86.35M 86.63M 86.35M 86.06M 86.13M 85.64M
Cash Dividends to Common per Share		 $0.27 $0.27 $0.30 $0.30 $0.30 $0.30 $0.30 $0.40 $0.40 $0.40 $0.45

Annual Cash Flow Statements for Hancock Whitney

This table details how cash moves in and out of Hancock Whitney's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -53 69 14 -3.58 94 -125 163 -3.26 14
Net Cash From Operating Activities		 236 344 411 449 355 586 842 495 626
Net Cash From Continuing Operating Activities		 236 344 411 449 355 586 846 495 626
Net Income / (Loss) Continuing Operations		 131 149 216 324 -45 463 524 393 461
Consolidated Net Income / (Loss)		 131 149 216 324 -45 463 524 393 461
Provision For Loan Losses		 73 111 59 36 603 -77 -28 59 52
Depreciation Expense		 29 28 28 27 30 29 32 35 32
Amortization Expense		 51 55 58 55 63 67 50 28 23
Non-Cash Adjustments to Reconcile Net Income		 45 -16 46 19 -32 0.23 -40 59 -10
Changes in Operating Assets and Liabilities, net		 -93 17 4.40 -11 -264 104 309 -78 67
Net Cash From Investing Activities		 -2,276 -1,321 -895 -847 -3,177 -3,225 662 -295 275
Net Cash From Continuing Investing Activities		 -2,276 -1,321 -895 -847 -3,177 -3,225 662 -295 275
Purchase of Property, Leasehold Improvements and Equipment		 -24 -19 -20 -51 -38 -24 -29 -25 -10
Purchase of Investment Securities		 -3,708 -2,518 -2,361 -2,384 -4,918 -4,673 -3,662 -2,022 -535
Sale of Property, Leasehold Improvements and Equipment		 14 7.45 - - - 1.91 0.06 33 6.14
Sale and/or Maturity of Investments		 1,441 1,209 1,010 1,446 1,779 1,470 4,354 1,719 814
Net Cash From Financing Activities		 1,988 1,046 498 394 2,916 2,514 -1,341 -203 -887
Net Cash From Continuing Financing Activities		 1,988 1,046 498 394 2,916 2,514 -1,341 -203 -887
Net Change in Deposits		 1,776 1,075 900 680 3,894 2,768 -1,396 620 -197
Issuance of Debt		 274 6.84 0.17 21 -881 20 5.63 0.00 -516
Issuance of Common Equity		 0.00 261 3.22 3.41 4.16 3.87 3.58 3.82 4.12
Repayment of Debt		 114 -220 -322 -205 -0.31 -153 206 -716 0.00
Repurchase of Common Equity		 -96 0.00 0.00 -8.27 -13 -22 -59 0.00 -38
Payment of Dividends		 -77 -77 -83 -89 -96 -96 -94 -105 -131
Other Financing Activities, Net		 -3.04 -1.03 0.21 -7.46 7.58 -6.87 -7.16 -5.68 -9.36
Cash Interest Paid		 51 70 109 175 121 50 80 488 636
Cash Income Taxes Paid		 32 30 45 7.28 17 123 135 103 90

Quarterly Cash Flow Statements for Hancock Whitney

This table details how cash moves in and out of Hancock Whitney's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -109 -25 30 -31 -22 20 -147 87 69 5.03 -65
Net Cash From Operating Activities		 188 167 86 129 188 93 167 105 162 192 104
Net Cash From Continuing Operating Activities		 193 166 86 129 188 93 167 105 162 192 104
Net Income / (Loss) Continuing Operations		 135 144 126 118 98 51 109 115 116 122 120
Consolidated Net Income / (Loss)		 135 144 126 118 98 51 109 115 116 122 120
Provision For Loan Losses		 1.40 2.49 6.02 7.63 28 17 13 8.72 19 12 10
Depreciation Expense		 8.40 8.37 8.57 8.95 8.67 8.54 8.18 8.19 8.16 7.77 7.79
Amortization Expense		 12 9.29 8.22 7.53 7.37 4.82 5.95 5.86 5.62 5.70 5.52
Non-Cash Adjustments to Reconcile Net Income		 -1.40 -39 -1.31 7.99 -7.69 60 -7.92 -3.00 1.90 -1.01 16
Changes in Operating Assets and Liabilities, net		 38 41 -62 -21 53 -48 39 -30 13 45 -55
Net Cash From Investing Activities		 -270 -617 -2,219 1,326 -258 856 120 -91 271 -26 291
Net Cash From Continuing Investing Activities		 -270 -617 -2,219 1,326 -258 856 120 -91 271 -26 291
Purchase of Property, Leasehold Improvements and Equipment		 -4.14 -6.79 -5.50 -13 -6.30 -0.45 -2.27 -1.31 -3.92 -2.74 -3.95
Purchase of Investment Securities		 -1,019 -678 -317 -816 -444 -445 -207 -93 -117 -118 -156
Sale and/or Maturity of Investments		 753 68 -1,896 2,155 192 1,268 329 2.96 392 89 451
Net Cash From Financing Activities		 -27 425 2,163 -1,485 48 -929 -433 72 -365 -161 -460
Net Cash From Continuing Financing Activities		 -27 425 2,163 -1,485 48 -929 -433 72 -365 -161 -460
Net Change in Deposits		 -915 119 543 430 277 -630 86 -575 -218 510 -298
Issuance of Common Equity		 0.87 0.91 0.94 1.00 0.92 0.96 0.90 1.12 1.08 1.03 1.08
Repayment of Debt		 913 328 1,648 -1,890 - - -487 696 -98 -111 -96
Repurchase of Common Equity		 -2.40 - - - - - - - -15 -7.88 -21
Payment of Dividends		 -24 -24 -26 -26 -26 -26 -27 -35 -35 -35 -40
Other Financing Activities, Net		 -0.09 -5.50 -2.92 -0.35 -0.05 -2.36 -6.56 -0.24 -0.08 -2.48 -6.39

Annual Balance Sheets for Hancock Whitney

This table presents Hancock Whitney's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 22,834 23,975 27,336 28,236 30,601 36,531 35,184 35,579 35,082
Cash and Due from Banks		 304 373 387 383 432 - 564 561 575
Federal Funds Sold		 0.88 0.94 0.23 0.52 0.27 0.46 0.73 0.44 0.41
Interest Bearing Deposits at Other Banks		 565 77 92 111 110 3,830 323 627 939
Trading Account Securities		 4,484 5,051 5,928 5,699 6,299 8,646 8,435 7,626 7,619
Loans and Leases, Net of Allowance		 15,522 16,523 18,787 19,832 21,022 21,134 22,806 23,614 22,981
Loans and Leases		 15,703 16,752 19,004 20,026 21,213 21,134 23,114 23,922 23,299
Allowance for Loan and Lease Losses		 181 229 217 195 191 - 308 308 319
Premises and Equipment, Net		 377 362 334 354 380 350 329 302 280
Goodwill		 621 621 746 791 855 855 855 855 855
Intangible Assets		 108 88 91 96 107 70 56 45 35
Other Assets		 852 880 972 970 1,395 1,319 1,814 1,948 1,797
Total Liabilities & Shareholders' Equity		 22,834 23,975 27,336 28,236 30,601 36,531 35,184 35,579 35,082
Total Liabilities		 20,420 21,256 24,451 25,155 27,133 32,736 31,841 31,775 30,954
Non-Interest Bearing Deposits		 7,283 7,668 8,316 8,511 8,786 14,393 13,655 11,076 10,618
Interest Bearing Deposits		 11,073 11,766 13,946 14,651 15,028 16,073 15,425 18,660 18,895
Short-Term Debt		 1,424 1,225 1,704 1,589 2,715 1,665 1,871 1,155 639
Long-Term Debt		 490 436 306 225 233 244 242 236 211
Other Long-Term Liabilities		 151 160 180 178 371 360 648 649 592
Total Equity & Noncontrolling Interests		 2,413 2,720 2,885 3,081 3,468 3,361 3,343 3,804 4,128
Total Preferred & Common Equity		 2,413 2,720 2,885 3,081 3,468 3,670 3,343 3,804 4,128
Preferred Stock		 - - - 0.00 0.00 - 0.00 0.00 0.00
Total Common Equity		 2,413 2,720 2,885 3,081 3,468 3,361 3,343 3,804 4,128
Common Stock		 1,716 1,990 2,011 2,018 2,046 1,756 2,026 2,049 2,029
Retained Earnings		 778 851 1,009 1,244 1,476 1,659 2,088 2,376 2,705
Accumulated Other Comprehensive Income / (Loss)		 -81 -121 -134 -181 -55 -54 -772 -621 -606

Quarterly Balance Sheets for Hancock Whitney

This table presents Hancock Whitney's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 34,567 37,547 36,210 36,298 35,247 35,412 35,238 34,751
Cash and Due from Banks		 590 - 564 541 414 501 570 510
Federal Funds Sold		 0.44 0.71 0.51 0.47 0.41 0.39 0.42 0.39
Interest Bearing Deposits at Other Banks		 261 2,287 674 817 439 581 795 841
Trading Account Securities		 8,366 8,414 8,252 7,932 7,576 7,563 7,794 7,722
Loans and Leases, Net of Allowance		 22,279 23,405 23,475 23,677 23,657 23,595 23,138 22,780
Loans and Leases		 22,586 23,405 23,790 23,984 23,971 23,912 23,456 23,098
Allowance for Loan and Lease Losses		 306 - 314 306 314 316 317 318
Premises and Equipment, Net		 347 324 327 310 296 289 285 276
Goodwill		 855 855 855 855 855 855 855 855
Intangible Assets		 59 53 50 47 42 40 37 33
Other Assets		 1,809 1,704 2,013 2,117 1,967 1,987 1,762 1,733
Total Liabilities & Shareholders' Equity		 34,567 37,547 36,210 36,298 35,247 35,412 35,238 34,751
Total Liabilities		 31,387 33,994 32,656 32,797 31,394 31,492 31,063 30,472
Non-Interest Bearing Deposits		 14,297 12,860 12,207 11,679 10,846 10,669 10,526 10,633
Interest Bearing Deposits		 14,660 16,753 17,872 18,694 18,974 18,559 18,483 18,580
Short-Term Debt		 1,543 3,519 1,630 1,426 668 1,364 1,266 543
Long-Term Debt		 236 242 236 236 236 236 236 211
Other Long-Term Liabilities		 650 619 711 762 669 663 551 506
Total Equity & Noncontrolling Interests		 3,180 3,531 3,554 3,501 3,853 3,921 4,175 4,279
Total Preferred & Common Equity		 3,180 3,531 3,554 3,501 3,853 3,921 4,175 4,279
Preferred Stock		 0.00 - 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 3,180 3,531 3,554 3,501 3,853 3,921 4,175 4,279
Common Stock		 2,025 2,030 2,037 2,045 2,049 2,042 2,033 2,009
Retained Earnings		 1,968 2,189 2,280 2,351 2,458 2,537 2,618 2,785
Accumulated Other Comprehensive Income / (Loss)		 -813 -687 -763 -895 -654 -658 -475 -515

Annual Metrics And Ratios for Hancock Whitney

This table displays calculated financial ratios and metrics derived from Hancock Whitney's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -2.29% 5.50% 16.51% 6.97% 6.80% 0.00% 2.42% 6.47% 0.33% 4.33%
EBITDA Growth		 -24.00% 8.20% 46.15% 17.53% 2.76% -106.60% 2,210.07% 11.47% -25.33% 13.86%
EBIT Growth		 -29.90% 10.11% 65.01% 23.89% 2.78% -131.76% 555.37% 16.04% -25.65% 17.11%
NOPAT Growth		 -25.19% 13.57% 44.43% 50.15% 1.12% -126.67% 630.47% 13.14% -25.09% 17.37%
Net Income Growth		 -25.19% 13.57% 44.43% 50.15% 1.12% 0.00% 1,125.40% 13.14% -25.09% 17.37%
EPS Growth		 -21.90% 14.02% 32.62% 50.00% 0.00% 0.00% 1,066.67% 14.56% -24.75% 17.33%
Operating Cash Flow Growth		 -33.11% 45.89% 19.53% 9.27% -21.65% 0.00% 64.89% 43.77% -41.18% 26.35%
Free Cash Flow Firm Growth		 44.28% 148.08% -413.66% 208.54% -469.79% 630.41% -182.82% 114.75% -15.42% 3.77%
Invested Capital Growth		 8.22% 1.26% 11.71% 0.02% 31.06% -100.00% 0.00% -4.36% -4.79% -4.19%
Revenue Q/Q Growth		 0.03% 1.75% 4.33% 1.27% 2.03% 0.00% -0.13% 4.04% -4.42% 4.06%
EBITDA Q/Q Growth		 -14.46% 23.89% 9.04% 4.20% -0.77% 0.00% 9.99% 1.29% -18.07% 16.32%
EBIT Q/Q Growth		 -20.02% 37.65% 11.47% 2.64% 1.18% 0.00% 12.16% 2.34% -19.35% 18.16%
NOPAT Q/Q Growth		 -15.86% 32.39% 1.71% 14.41% -1.24% 0.00% 7.96% 1.17% -19.18% 18.36%
Net Income Q/Q Growth		 -15.86% 32.39% 1.71% 14.41% -1.24% 0.00% 7.96% 1.17% -19.18% 18.36%
EPS Q/Q Growth		 -15.03% 31.69% -0.40% 14.81% -2.11% 0.00% 7.19% 1.70% -19.21% 18.39%
Operating Cash Flow Q/Q Growth		 -18.03% 21.99% -29.12% 90.25% 23.33% 0.00% -11.07% 15.36% -13.01% 18.73%
Free Cash Flow Firm Q/Q Growth		 -192.15% 12.96% 56.97% 225.62% -758.95% 2,214.73% -1,204.73% -34.57% 131.50% 644.89%
Invested Capital Q/Q Growth		 8.18% 8.75% -0.76% -10.53% 7.98% -100.00% 1.45% 10.00% 0.61% -12.33%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 28.94% 29.68% 37.23% 40.91% 39.36% -2.48% 51.18% 53.59% 39.88% 43.52%
EBIT Margin		 19.68% 20.54% 29.10% 33.70% 32.43% -9.85% 43.78% 47.72% 35.36% 39.69%
Profit (Net Income) Margin		 15.24% 16.41% 20.34% 28.55% 27.03% -3.57% 35.70% 37.94% 28.32% 31.87%
Tax Burden Percent		 77.44% 79.87% 69.91% 84.73% 83.36% 36.21% 81.54% 79.50% 80.10% 80.29%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 22.56% 20.13% 30.09% 15.27% 16.64% 0.00% 18.46% 20.50% 19.90% 19.71%
Return on Invested Capital (ROIC)		 3.16% 3.43% 4.65% 6.61% 5.79% -2.72% 16.24% 9.39% 7.37% 9.06%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.16% 3.43% 4.65% 6.61% 5.79% 0.14% 16.24% 9.39% 7.37% 9.06%
Return on Net Nonoperating Assets (RNNOA)		 2.22% 2.39% 3.05% 4.24% 4.21% 0.12% 11.33% 6.24% 3.62% 2.56%
Return on Equity (ROE)		 5.38% 5.82% 7.69% 10.85% 10.00% -2.61% 27.57% 15.64% 10.99% 11.62%
Cash Return on Invested Capital (CROIC)		 -4.74% 2.18% -6.41% 6.59% -21.10% 197.28% -183.76% 13.85% 12.28% 13.34%
Operating Return on Assets (OROA)		 0.78% 0.80% 1.20% 1.38% 1.34% -0.82% 3.11% 1.84% 1.39% 1.62%
Return on Assets (ROA)		 0.60% 0.64% 0.84% 1.17% 1.11% -0.30% 2.54% 1.46% 1.11% 1.30%
Return on Common Equity (ROCE)		 5.38% 5.82% 7.69% 10.85% 10.00% -2.61% 27.57% 15.64% 10.99% 11.62%
Return on Equity Simple (ROE_SIMPLE)		 5.45% 5.49% 7.47% 10.51% 9.44% 0.00% 12.62% 15.68% 10.32% 11.16%
Net Operating Profit after Tax (NOPAT)		 131 149 216 324 327 -87 463 524 393 461
NOPAT Margin		 15.24% 16.41% 20.34% 28.55% 27.03% -6.89% 35.70% 37.94% 28.32% 31.87%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% -2.86% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 52.11% 51.46% 49.15% 47.88% 48.90% 49.23% 49.87% 45.74% 46.82% 45.80%
Operating Expenses to Revenue		 71.85% 67.30% 65.34% 63.12% 63.63% 62.26% 62.19% 54.34% 60.38% 56.70%
Earnings before Interest and Taxes (EBIT)		 170 187 308 382 393 -125 568 659 490 574
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 250 270 395 464 477 -31 664 740 553 629
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.64 1.01 1.22 0.82 1.01 0.00 1.21 1.17 1.07 1.14
Price to Tangible Book Value (P/TBV)		 0.92 1.36 1.72 1.15 1.40 0.00 1.67 1.61 1.40 1.45
Price to Revenue (P/Rev)		 1.79 3.01 3.32 2.22 2.89 2.12 3.14 2.83 2.93 3.26
Price to Earnings (P/E)		 11.74 18.32 16.33 7.77 10.69 0.00 8.79 7.46 10.34 10.22
Dividend Yield		 4.81% 2.72% 2.32% 3.45% 2.67% 3.47% 2.30% 2.37% 2.55% 2.74%
Earnings Yield		 8.52% 5.46% 6.12% 12.86% 9.35% 0.00% 11.38% 13.40% 9.67% 9.79%
Enterprise Value to Invested Capital (EV/IC)		 0.60 0.90 1.03 0.78 0.92 0.00 0.38 0.94 0.82 0.81
Enterprise Value to Revenue (EV/Rev)		 3.00 4.34 4.76 3.38 4.88 2.12 1.66 3.72 3.08 2.80
Enterprise Value to EBITDA (EV/EBITDA)		 10.37 14.62 12.80 8.27 12.39 0.00 3.24 6.94 7.71 6.43
Enterprise Value to EBIT (EV/EBIT)		 15.24 21.11 16.38 10.04 15.04 0.00 3.78 7.79 8.70 7.05
Enterprise Value to NOPAT (EV/NOPAT)		 19.69 26.43 23.42 11.85 18.04 0.00 4.64 9.80 10.86 8.78
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.98 11.48 12.29 8.54 16.78 7.57 3.67 6.10 8.61 6.46
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 41.64 0.00 11.89 0.00 0.43 0.00 6.64 6.52 5.96
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.79 0.61 0.70 0.59 0.85 0.00 0.57 0.63 0.37 0.21
Long-Term Debt to Equity		 0.20 0.16 0.11 0.07 0.07 0.00 0.07 0.07 0.06 0.05
Financial Leverage		 0.70 0.70 0.66 0.64 0.73 0.85 0.70 0.66 0.49 0.28
Leverage Ratio		 8.92 9.12 9.16 9.31 8.98 8.82 10.87 10.70 9.90 8.91
Compound Leverage Factor		 8.92 9.12 9.16 9.31 8.98 8.82 10.87 10.70 9.90 8.91
Debt to Total Capital		 44.23% 37.93% 41.06% 37.06% 45.95% 0.00% 36.23% 38.73% 26.78% 17.07%
Short-Term Debt to Total Capital		 32.90% 27.97% 34.81% 32.46% 42.31% 0.00% 31.59% 34.30% 22.23% 12.84%
Long-Term Debt to Total Capital		 11.33% 9.96% 6.24% 4.60% 3.64% 0.00% 4.63% 4.44% 4.55% 4.23%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 55.77% 62.07% 58.94% 62.94% 54.05% 0.00% 63.77% 61.27% 73.22% 82.93%
Debt to EBITDA		 7.67 6.15 5.09 3.91 6.19 0.00 2.87 2.85 2.52 1.35
Net Debt to EBITDA		 4.18 4.48 3.88 2.84 5.05 0.00 -2.89 1.65 0.37 -1.06
Long-Term Debt to EBITDA		 1.96 1.62 0.77 0.49 0.49 0.00 0.37 0.33 0.43 0.33
Debt to NOPAT		 14.56 11.13 9.32 5.60 9.01 0.00 4.12 4.03 3.54 1.84
Net Debt to NOPAT		 7.94 8.11 7.10 4.08 7.35 0.00 -4.15 2.34 0.52 -1.44
Long-Term Debt to NOPAT		 3.73 2.92 1.42 0.69 0.71 0.00 0.53 0.46 0.60 0.46
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -197 95 -297 323 -1,193 6,329 -5,242 773 654 678
Operating Cash Flow to CapEx		 2,469.67% 2,907.88% 2,025.35% 886.59% 823.93% 937.95% 2,707.14% 2,895.23% 0.00% 15,288.10%
Free Cash Flow to Firm to Interest Expense		 -3.62 1.30 -2.75 1.80 -5.18 54.81 -106.92 8.88 1.25 1.11
Operating Cash Flow to Interest Expense		 4.33 4.71 3.80 2.50 1.53 3.08 11.95 9.67 0.95 1.02
Operating Cash Flow Less CapEx to Interest Expense		 4.15 4.55 3.61 2.22 1.34 2.75 11.51 9.34 0.96 1.02
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.08 0.07 0.04 0.04 0.04
Fixed Asset Turnover		 2.22 2.46 3.05 3.30 3.30 0.00 0.00 4.07 4.40 4.97
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 4,327 4,381 4,894 4,895 6,416 0.00 5,705 5,456 5,195 4,977
Invested Capital Turnover		 0.21 0.21 0.23 0.23 0.21 0.39 0.45 0.25 0.26 0.28
Increase / (Decrease) in Invested Capital		 329 55 513 1.11 1,521 -6,416 5,705 -249 -261 -218
Enterprise Value (EV)		 2,588 3,947 5,051 3,837 5,907 2,690 2,149 5,135 4,264 4,044
Market Capitalization		 1,544 2,736 3,521 2,517 3,501 2,690 4,070 3,911 4,061 4,709
Book Value per Share		 $31.18 $35.06 $33.87 $36.18 $39.76 $0.00 $38.71 $39.01 $44.15 $47.96
Tangible Book Value per Share		 $21.76 $25.92 $24.05 $25.76 $28.73 $0.00 $28.05 $28.37 $33.70 $37.61
Total Capital		 4,327 4,381 4,894 4,895 6,416 0.00 5,270 5,456 5,195 4,977
Total Debt		 1,914 1,662 2,009 1,814 2,948 0.00 1,909 2,113 1,391 850
Total Long-Term Debt		 490 436 306 225 233 0.00 244 242 236 211
Net Debt		 1,044 1,211 1,530 1,320 2,406 0.00 -1,921 1,225 203 -665
Capital Expenditures (CapEx)		 9.55 12 20 51 43 38 22 29 -8.11 4.09
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 -42 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,914 1,662 2,009 1,814 2,948 0.00 2,344 2,113 1,391 850
Total Depreciation and Amortization (D&A)		 80 83 86 82 84 93 96 81 63 55
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.64 $1.87 $2.49 $3.72 $3.72 ($0.54) $0.00 $6.00 $4.51 $5.30
Adjusted Weighted Average Basic Shares Outstanding		 77.50M 77.85M 84.70M 85.36M 86.49M 86.53M 0.00 86.07M 86.13M 86.35M
Adjusted Diluted Earnings per Share		 $1.64 $1.87 $2.48 $3.72 $3.72 ($0.54) $0.00 $5.98 $4.50 $5.28
Adjusted Weighted Average Diluted Shares Outstanding		 77.50M 77.95M 84.96M 85.52M 86.60M 86.53M 0.00 86.39M 86.42M 86.65M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 77.50M 84.26M 85.25M 85.69M 87.24M 86.75M 0.00 85.98M 86.35M 86.13M
Normalized Net Operating Profit after Tax (NOPAT)		 131 149 216 324 327 -87 463 524 393 461
Normalized NOPAT Margin		 15.24% 16.41% 20.34% 28.55% 27.03% -6.89% 35.70% 37.94% 28.32% 31.87%
Pre Tax Income Margin		 19.68% 20.54% 29.10% 33.70% 32.43% -9.85% 43.78% 47.72% 35.36% 39.69%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 3.12 2.56 2.85 2.13 1.70 -1.08 11.59 7.57 0.94 0.94
NOPAT to Interest Expense		 2.41 2.04 1.99 1.80 1.42 -0.76 9.45 6.02 0.75 0.75
EBIT Less CapEx to Interest Expense		 2.94 2.40 2.66 1.85 1.52 -1.41 11.15 7.24 0.95 0.93
NOPAT Less CapEx to Interest Expense		 2.24 1.88 1.80 1.52 1.23 -1.08 9.01 5.69 0.77 0.75
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 58.58% 51.27% 38.61% 27.44% 28.98% -211.64% 20.71% 18.02% 26.67% 28.39%
Augmented Payout Ratio		 131.31% 51.27% 38.61% 29.99% 28.98% -239.79% 25.41% 29.26% 26.67% 36.57%

Quarterly Metrics And Ratios for Hancock Whitney

This table displays calculated financial ratios and metrics derived from Hancock Whitney's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 11.45% 16.83% 17.13% 7.77% -2.85% -17.22% -3.09% 0.69% 3.51% 18.27% 3.02%
EBITDA Growth		 3.71% 5.03% -0.88% -6.50% -27.61% -61.70% -15.84% -3.01% 15.18% 116.73% 10.19%
EBIT Growth		 6.50% 9.15% 2.55% -4.34% -28.53% -65.37% -15.84% -1.70% 19.03% 141.57% 11.88%
NOPAT Growth		 4.48% 4.39% 2.42% -3.00% -27.81% -64.81% -14.12% -2.75% 18.25% 141.24% 10.03%
Net Income Growth		 4.48% 4.39% 2.42% -3.00% -27.81% -64.81% -14.12% -2.75% 18.25% 141.24% 10.03%
EPS Growth		 6.16% 6.45% 3.57% -2.17% -27.74% -64.85% -14.48% -2.96% 18.75% 141.38% 11.29%
Operating Cash Flow Growth		 15.27% 204.56% -69.38% -37.56% -0.28% -44.38% 94.06% -18.45% -13.45% 106.32% -37.49%
Free Cash Flow Firm Growth		 356.31% 107.05% -772.57% -188.09% -113.23% -20.59% 242.06% 101.27% -277.01% 8.95% -105.81%
Invested Capital Growth		 -11.79% -4.36% 37.71% 28.45% 4.10% -4.79% -34.96% 1.86% 9.95% -4.19% 5.77%
Revenue Q/Q Growth		 10.34% 1.89% -1.94% -2.24% -0.54% -13.17% 14.79% 1.58% 2.24% -0.79% -0.02%
EBITDA Q/Q Growth		 8.85% 3.59% -11.33% -6.48% -15.73% -45.20% 94.87% 7.77% 0.08% 3.12% -0.92%
EBIT Q/Q Growth		 10.83% 5.38% -11.95% -6.98% -17.19% -48.94% 113.99% 8.65% 0.27% 3.62% -0.89%
NOPAT Q/Q Growth		 11.49% 6.20% -12.05% -6.86% -17.03% -48.23% 114.64% 5.47% 0.89% 5.63% -2.11%
Net Income Q/Q Growth		 11.49% 6.20% -12.05% -6.86% -17.03% -48.23% 114.64% 5.47% 0.89% 5.63% -2.11%
EPS Q/Q Growth		 12.32% 6.45% -12.12% -6.90% -17.04% -48.21% 113.79% 5.65% 1.53% 5.26% -1.43%
Operating Cash Flow Q/Q Growth		 -8.75% -11.32% -48.55% 49.97% 45.74% -50.54% 79.51% -36.98% 54.67% 17.90% -45.61%
Free Cash Flow Firm Q/Q Growth		 -35.03% -50.83% -577.93% 42.31% 90.24% 395.12% 755.02% -99.48% -2,998.27% 185.29% -145.62%
Invested Capital Q/Q Growth		 17.54% 10.00% 34.07% -25.90% -4.74% 0.61% -8.42% 16.05% 2.83% -12.33% 1.10%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 52.16% 53.03% 47.96% 45.88% 38.87% 24.53% 41.65% 44.19% 43.26% 44.96% 44.55%
EBIT Margin		 46.70% 48.29% 43.36% 41.26% 34.36% 20.20% 37.66% 40.28% 39.51% 41.26% 40.90%
Profit (Net Income) Margin		 37.03% 38.59% 34.62% 32.98% 27.52% 16.41% 30.68% 31.86% 31.43% 33.47% 32.77%
Tax Burden Percent		 79.30% 79.92% 79.83% 79.93% 80.09% 81.21% 81.46% 79.08% 79.56% 81.10% 80.11%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.70% 20.08% 20.17% 20.07% 19.91% 18.79% 18.54% 20.92% 20.44% 18.90% 19.89%
Return on Invested Capital (ROIC)		 9.29% 9.55% 7.87% 10.00% 7.88% 4.27% 6.99% 8.02% 8.06% 9.52% 9.75%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.29% 9.55% 7.87% 10.00% 7.88% 4.27% 6.99% 8.02% 8.06% 9.52% 9.75%
Return on Net Nonoperating Assets (RNNOA)		 5.15% 6.35% 6.36% 3.96% 4.06% 2.09% 4.44% 3.72% 3.32% 2.69% 1.99%
Return on Equity (ROE)		 14.44% 15.91% 14.23% 13.96% 11.94% 6.36% 11.42% 11.74% 11.38% 12.20% 11.74%
Cash Return on Invested Capital (CROIC)		 22.32% 13.85% -23.38% -14.05% 5.58% 12.28% 48.57% 4.95% -2.30% 13.34% 4.03%
Operating Return on Assets (OROA)		 1.77% 1.86% 1.68% 1.70% 1.41% 0.79% 1.42% 1.55% 1.54% 1.69% 1.70%
Return on Assets (ROA)		 1.41% 1.49% 1.35% 1.36% 1.13% 0.64% 1.16% 1.23% 1.22% 1.37% 1.36%
Return on Common Equity (ROCE)		 14.44% 15.91% 14.23% 13.96% 11.94% 6.36% 11.42% 11.74% 11.38% 12.20% 11.74%
Return on Equity Simple (ROE_SIMPLE)		 16.29% 0.00% 14.93% 14.73% 13.88% 0.00% 9.73% 9.48% 9.33% 0.00% 11.02%
Net Operating Profit after Tax (NOPAT)		 135 144 126 118 98 51 109 115 116 122 120
NOPAT Margin		 37.03% 38.59% 34.62% 32.98% 27.52% 16.41% 30.68% 31.86% 31.43% 33.47% 32.77%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.48% 43.71% 43.92% 45.41% 46.25% 52.53% 47.32% 46.60% 44.88% 44.48% 44.77%
Operating Expenses to Revenue		 52.92% 51.04% 54.99% 56.60% 57.62% 74.30% 58.67% 57.29% 55.44% 55.47% 56.23%
Earnings before Interest and Taxes (EBIT)		 171 180 158 147 122 62 133 145 145 151 149
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 191 198 175 164 138 76 147 159 159 164 162
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.18 1.17 0.85 0.90 0.88 1.07 1.02 1.06 1.06 1.14 1.06
Price to Tangible Book Value (P/TBV)		 1.65 1.61 1.15 1.21 1.19 1.40 1.33 1.37 1.35 1.45 1.33
Price to Revenue (P/Rev)		 2.82 2.83 2.10 2.19 2.13 2.93 2.86 3.01 3.18 3.26 3.10
Price to Earnings (P/E)		 7.22 7.46 5.72 6.12 6.36 10.34 10.49 11.15 11.35 10.22 9.58
Dividend Yield		 2.48% 2.37% 3.17% 3.06% 3.26% 2.55% 2.63% 2.72% 2.74% 2.74% 3.15%
Earnings Yield		 13.86% 13.40% 17.49% 16.33% 15.72% 9.67% 9.53% 8.97% 8.81% 9.79% 10.44%
Enterprise Value to Invested Capital (EV/IC)		 0.94 0.94 0.61 0.71 0.66 0.82 0.84 0.84 0.80 0.81 0.78
Enterprise Value to Revenue (EV/Rev)		 3.51 3.72 3.13 2.62 2.34 3.08 2.90 3.38 3.28 2.80 2.69
Enterprise Value to EBITDA (EV/EBITDA)		 6.38 6.94 6.07 5.27 5.03 7.71 7.58 8.96 8.42 6.43 6.08
Enterprise Value to EBIT (EV/EBIT)		 7.24 7.79 6.77 5.84 5.58 8.70 8.56 10.08 9.38 7.05 6.64
Enterprise Value to NOPAT (EV/NOPAT)		 9.01 9.80 8.51 7.32 6.98 10.86 10.63 12.55 11.70 8.78 8.31
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.39 6.10 6.93 6.73 5.96 8.61 6.91 8.44 8.64 6.46 6.96
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.95 6.64 0.00 0.00 12.02 6.52 1.36 17.22 0.00 5.96 19.87
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.56 0.63 1.07 0.52 0.47 0.37 0.23 0.41 0.36 0.21 0.18
Long-Term Debt to Equity		 0.07 0.07 0.07 0.07 0.07 0.06 0.06 0.06 0.06 0.05 0.05
Financial Leverage		 0.55 0.66 0.81 0.40 0.52 0.49 0.63 0.46 0.41 0.28 0.20
Leverage Ratio		 10.26 10.70 10.58 10.26 10.61 9.90 9.86 9.58 9.32 8.91 8.61
Compound Leverage Factor		 10.26 10.70 10.58 10.26 10.61 9.90 9.86 9.58 9.32 8.91 8.61
Debt to Total Capital		 35.88% 38.73% 51.58% 34.42% 32.19% 26.78% 19.00% 28.99% 26.46% 17.07% 14.97%
Short-Term Debt to Total Capital		 31.11% 34.30% 48.26% 30.06% 27.62% 22.23% 14.04% 24.70% 22.30% 12.84% 10.79%
Long-Term Debt to Total Capital		 4.77% 4.44% 3.32% 4.36% 4.58% 4.55% 4.97% 4.28% 4.16% 4.23% 4.18%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 64.12% 61.27% 48.42% 65.58% 67.81% 73.22% 81.00% 71.01% 73.54% 82.93% 85.03%
Debt to EBITDA		 2.43 2.85 5.09 2.57 2.46 2.52 1.72 3.08 2.78 1.35 1.17
Net Debt to EBITDA		 1.27 1.65 1.99 0.86 0.45 0.37 0.10 1.00 0.25 -1.06 -0.93
Long-Term Debt to EBITDA		 0.32 0.33 0.33 0.32 0.35 0.43 0.45 0.45 0.44 0.33 0.33
Debt to NOPAT		 3.43 4.03 7.14 3.56 3.42 3.54 2.41 4.31 3.86 1.84 1.60
Net Debt to NOPAT		 1.79 2.34 2.80 1.20 0.62 0.52 0.14 1.39 0.35 -1.44 -1.27
Long-Term Debt to NOPAT		 0.46 0.46 0.46 0.45 0.49 0.60 0.63 0.64 0.61 0.46 0.45
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 799 393 -1,876 -1,083 -106 312 2,666 14 -398 340 -155
Operating Cash Flow to CapEx		 4,547.00% 2,457.59% 1,562.17% 1,008.24% 2,980.03% 20,495.81% 7,332.64% 8,012.36% 4,148.88% 6,998.87% 2,636.85%
Free Cash Flow to Firm to Interest Expense		 41.10 7.83 -21.42 -8.24 -0.72 1.98 17.14 0.09 -2.53 2.41 -1.24
Operating Cash Flow to Interest Expense		 9.69 3.33 0.98 0.98 1.28 0.59 1.07 0.67 1.03 1.36 0.83
Operating Cash Flow Less CapEx to Interest Expense		 9.48 3.19 0.92 0.88 1.24 0.59 1.06 0.66 1.01 1.34 0.80
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.81 4.07 4.24 4.31 4.42 4.40 4.43 4.47 4.67 4.97 5.09
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 4,960 5,456 7,315 5,420 5,163 5,195 4,758 5,521 5,677 4,977 5,032
Invested Capital Turnover		 0.25 0.25 0.23 0.30 0.29 0.26 0.23 0.25 0.26 0.28 0.30
Increase / (Decrease) in Invested Capital		 -663 -249 2,003 1,200 203 -261 -2,557 101 514 -218 274
Enterprise Value (EV)		 4,666 5,135 4,487 3,834 3,393 4,264 3,982 4,661 4,556 4,044 3,919
Market Capitalization		 3,738 3,911 3,013 3,206 3,090 4,061 3,931 4,144 4,418 4,709 4,517
Book Value per Share		 $37.10 $39.01 $41.07 $41.29 $40.65 $44.15 $44.54 $45.26 $48.35 $47.96 $49.68
Tangible Book Value per Share		 $26.43 $28.37 $30.50 $30.77 $30.17 $33.70 $34.16 $34.92 $38.01 $37.61 $39.36
Total Capital		 4,960 5,456 7,293 5,420 5,163 5,195 4,758 5,521 5,677 4,977 5,032
Total Debt		 1,779 2,113 3,762 1,866 1,662 1,391 904 1,600 1,502 850 753
Total Long-Term Debt		 236 242 242 236 236 236 236 236 236 211 211
Net Debt		 928 1,225 1,473 628 303 203 51 518 137 -665 -598
Capital Expenditures (CapEx)		 4.14 6.79 5.50 13 6.30 0.45 2.27 1.31 3.92 2.74 3.95
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,779 2,113 3,783 1,866 1,662 1,391 904 1,600 1,502 850 753
Total Depreciation and Amortization (D&A)		 20 18 17 16 16 13 14 14 14 13 13
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.56 $1.65 $1.45 $1.35 $1.12 $0.59 $1.25 $1.31 $1.33 $1.41 $1.38
Adjusted Weighted Average Basic Shares Outstanding		 85.71M 86.07M 86.02M 86.10M 86.13M 86.13M 86.52M 86.51M 86.23M 86.35M 86.09M
Adjusted Diluted Earnings per Share		 $1.55 $1.65 $1.45 $1.35 $1.12 $0.58 $1.24 $1.31 $1.33 $1.40 $1.38
Adjusted Weighted Average Diluted Shares Outstanding		 86.02M 86.39M 86.28M 86.37M 86.44M 86.42M 86.73M 86.77M 86.56M 86.65M 86.46M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 85.69M 85.98M 86.08M 86.13M 86.15M 86.35M 86.63M 86.35M 86.06M 86.13M 85.64M
Normalized Net Operating Profit after Tax (NOPAT)		 135 144 126 118 98 51 109 115 116 122 120
Normalized NOPAT Margin		 37.03% 38.59% 34.62% 32.98% 27.52% 16.41% 30.68% 31.86% 31.43% 33.47% 32.77%
Pre Tax Income Margin		 46.70% 48.29% 43.36% 41.26% 34.36% 20.20% 37.66% 40.28% 39.51% 41.26% 40.90%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 8.79 3.59 1.81 1.12 0.83 0.40 0.86 0.92 0.92 1.07 1.19
NOPAT to Interest Expense		 6.97 2.87 1.44 0.90 0.67 0.32 0.70 0.73 0.73 0.87 0.95
EBIT Less CapEx to Interest Expense		 8.57 3.45 1.75 1.02 0.79 0.39 0.84 0.91 0.90 1.05 1.16
NOPAT Less CapEx to Interest Expense		 6.76 2.73 1.38 0.80 0.62 0.32 0.68 0.72 0.71 0.85 0.92
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 18.30% 18.02% 18.37% 19.00% 21.01% 26.67% 28.03% 30.62% 31.42% 28.39% 30.51%
Augmented Payout Ratio		 33.39% 29.26% 18.37% 19.46% 21.01% 26.67% 28.03% 34.55% 39.07% 36.57% 42.90%

Key Financial Trends

Hancock Whitney (NASDAQ: HWC) Q1 2025 Financial Summary and Multi-Year Trends

Hancock Whitney’s most recent Q1 2025 reported results demonstrate stability and consistent performance relative to recent quarters, with some notable trends over the past several years in key areas such as net interest income, credit losses, operating expenses, and capital management.

  • Net interest income for Q1 2025 was $269.9 million, reflecting strong core banking earning power, only modestly below the $273.6 million recorded in Q4 2024.
  • Net income attributable to common shareholders was $119.5 million in Q1 2025 with diluted EPS of $1.38, showing solid profitability and a slight decrease from $1.40 diluted EPS in Q4 2024, indicating earnings stability.
  • Provision for credit losses declined in Q1 2025 to $10.5 million from $11.9 million in Q4 2024, suggesting improving credit quality or cautious reserving after elevated provisions in prior quarters.
  • Total revenue remained stable at approximately $365 million in Q1 2025 compared to $364.8 million in Q4 2024, supported by consistent non-interest income around $95 million.
  • Total non-interest expense in Q1 2025 was steady at $205 million, showing good cost control compared with recent quarters averaging around $202-207 million.
  • The company maintained a healthy common equity base of approximately $4.28 billion at the end of Q1 2025, supporting its capital adequacy and growth plans.
  • Cash and due from banks increased slightly to $510 million in Q1 2025 from $414 million in Q1 2024, reflecting adequate liquidity.
  • Loans and leases net of allowance decreased slightly to $22.78 billion in Q1 2025 from $23.66 billion in Q1 2024, indicating fairly stable loan portfolio size with modest variation.
  • Total liabilities increased modestly over the past year, reaching approximately $30.47 billion by Q1 2025, up from roughly $31.39 billion at Q1 2024, due to fluctuations in deposits and short-term debt.
  • Net cash flow from continuing financing activities was negative $460 million in Q1 2025, driven largely by a net decline in deposits of about $298 million and repayment of debt, which could be a short-term liquidity or funding concern.

Multi-Year Trend Highlights:

  • Earnings per share have grown despite quarterly fluctuations: From $0.58 diluted EPS in Q1 2024 to $1.38 in Q1 2025, showing overall improvement in profitability over the last year.
  • Net interest income has generally hovered between $265 million and $275 million quarterly over the last four quarters, reflecting stable interest margins.
  • Provision for credit losses showed some volatility: peaking at $28 million in Q3 2024 and trending down to about $10.5 million by Q1 2025, indicating possible past credit challenges but improvement recently.
  • Non-interest income, particularly service charges on deposits, has steadily increased to about $78 million in Q1 2025 from $70 million in Q3 2023, boosting fee revenue.
  • Operating expense control has been consistent with total expenses remaining near $200 million per quarter despite inflationary pressures.
  • Loan portfolio size remains relatively stable around $23-24 billion net, signifying balanced organic growth and credit management.
  • Deposit balances show volatility with swings between quarters, including significant net decreases in some quarters (e.g., Q1 2025) which might impact funding costs.
  • Capital structure remains strong with common equity rising from about $3.5 billion in Q3 2023 to over $4.2 billion in Q1 2025, supporting growth and dividend payments.
  • Dividends to common shareholders increased steadily over the past year from $0.30 per share to $0.45 per share in Q1 2025, indicating confidence in earnings and cash flow.
  • Consistent but moderate capital expenditures and investments reflect ongoing infrastructure and technology improvements without excessive strain on cash flow.

Summary: Hancock Whitney has demonstrated resilient profitability and solid earnings growth, supported by stable net interest income and improved credit quality. The company manages expenses well and maintains strong capital levels, enabling dividend growth. Some variability in deposit flows and net cash from financing activities warrants monitoring but is not unusual in the current interest rate environment. Overall, the financial trends over the last four years depict a stable regional bank with prudent risk management and improving profitability, making it a company of interest for investors seeking exposure to financial institutions with consistent performance.

08/08/25 03:45 PMAI Generated. May Contain Errors.

Frequently Asked Questions About Hancock Whitney's Financials

When does Hancock Whitney's financial year end?

According to the most recent income statement we have on file, Hancock Whitney's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Hancock Whitney's net income changed over the last 8 years?

Hancock Whitney's net income appears to be on an upward trend, with a most recent value of $460.82 million in 2024, rising from $131.46 million in 2015. The previous period was $392.60 million in 2023. Find out what analysts predict for Hancock Whitney in the coming months.

How has Hancock Whitney's revenue changed over the last 8 years?

Over the last 8 years, Hancock Whitney's total revenue changed from $862.46 million in 2015 to $1.45 billion in 2024, a change of 67.7%.

How much debt does Hancock Whitney have?

Hancock Whitney's total liabilities were at $30.95 billion at the end of 2024, a 2.6% decrease from 2023, and a 51.6% increase since 2015.

How much cash does Hancock Whitney have?

In the past 8 years, Hancock Whitney's cash and equivalents has ranged from $0.00 in 2021 to $574.91 million in 2024, and is currently $574.91 million as of their latest financial filing in 2024.

How has Hancock Whitney's book value per share changed over the last 9 years?

Over the last 9 years, Hancock Whitney's book value per share changed from 31.18 in 2015 to 47.96 in 2024, a change of 53.8%.


Related Companies

This page (NASDAQ:HWC) was last updated on 8/8/2025 by MarketBeat.com Staff
From Our Partners
HIDDEN IN THE BOOK OF GENESIS…
“This land I will give to you…” — a 4,000-year-old line from Genesis may hold the key to unlocking a $150 tril...
Paradigm Press | Sponsored
BREAKING: The House just passed 3 pro-crypto bills!
THREE pro-crypto bills just passed the House! Now, experts believe altcoin season is officially here.
Crypto 101 Media | Sponsored
Sell this, buy that
What you don’t own matters just as much as what you do. That’s the thinking behind Eric Fry’s long-time strate...
InvestorPlace | Sponsored
GENIUS Act: Cancel Your Money?
A new law called the GENIUS Act could quietly trigger the most radical shift in American finance in decades. B...
Priority Gold | Sponsored
Crypto bros: Meet your replacement
Larry Benedict made $274 million trading on Wall Street… Barron’s ranked his hedge fund in the top 1% world...
Brownstone Research | Sponsored
Elon’s Secret Social Security Bombshell
To All Americans Born Before April 16th, 1963: Did Trump Just Give The Green Light To Radically RE-DO Social S...
Banyan Hill Publishing | Sponsored
Trump’s national nightmare is here
Porter Stansberry and Jeff Brown say a new U.S. national emergency is already underway — and it could trigger ...
Porter & Company | Sponsored
Former CIA Officer Reveals How Gold Saved His Life
This isn’t just another gold investing book—it’s a survival playbook written by a former CIA officer trained...
Advantage Gold | Sponsored