Financial Data and Key Metrics Changes - The company reported a net income of $120 million or $1.38 per share, down from $122 million or $1.40 per share in the previous quarter, but up 10% year-over-year [17] - The return on assets (ROA) was 1.41%, and the net interest margin (NIM) expanded by two basis points to 3.43% [8][18] - Total risk-based capital ended the quarter at 16.39%, with a common equity tier one ratio of 14.51% and a tangible common equity ratio of 10.01% [8][13] Business Line Data and Key Metrics Changes - Fee income is expected to increase by 9% to 10% year-over-year, driven by strong performance across most categories [10][25] - Loans decreased by $201 million due to higher payoffs in large healthcare and commercial non-real estate loans, with expectations for low single-digit loan growth in 2025 [10][11] - Deposits were down $298 million, primarily due to seasonal public fund outflows, but the DDA balance increased [12][21] Market Data and Key Metrics Changes - The company experienced a decrease in interest-bearing transaction accounts due to reduced promotional rates, while the DDA mix remained stable at 36% [12][21] - The overall cost of funds decreased by 14 basis points to 1.59%, with a reduction in deposit costs contributing to this decline [19][20] Company Strategy and Development Direction - The company plans to pivot to growth through both organic and inorganic means, including the acquisition of Sable Trust Company, expected to close on May 2nd [14][15] - The focus remains on granular, full-relationship loans to achieve favorable loan yields and relationship revenue [11] - The company is optimistic about growth prospects in the second half of the year despite current market volatility [15] Management's Comments on Operating Environment and Future Outlook - Management noted that client sentiment reflects some apprehension, but there is no immediate fear of a significant recession [46][47] - The company is closely monitoring macroeconomic trends and believes it is well-positioned to navigate challenges due to strong capital and liquidity [16][15] - Future guidance reflects expectations for modest NIM expansion and NII growth of 3% to 4% in 2025 [24] Other Important Information - The company repurchased 350,000 shares of common stock and increased its common stock dividend to 45 cents per share, a 50% increase from the previous year [13] - The criticized commercial loans decreased, while non-accrual loans increased at a slower pace than in the prior quarter [26] Q&A Session Summary Question: Why not increase the buyback given the capital accretion and slower loan growth outlook? - Management indicated that they are indeed increasing buybacks and are focused on maintaining or slightly increasing the current level of repurchases [34][36][38] Question: What are the current efforts to assess credit impacts from tariffs? - Management is evaluating various sectors that could be impacted and preparing plans for potential risks [40][41][44] Question: How much of the increase in the PPNR guide is related to Sable versus core performance? - The increase in the PPNR guide is attributed to both the expected contributions from Sable and continued growth in fee income lines [48][50] Question: Update on hiring process and its impact on growth outlook? - The company has added four bankers in Q1 and plans to hire 20 to 30 throughout the year, with a focus on high-growth markets [57][59][61] Question: Thoughts on M&A versus organic growth? - Currently, the focus is on returning capital to shareholders and organic growth, with M&A being considered for the future [69][70] Question: Expected CD maturities and rate benefits? - The company expects about $5.5 billion of CD maturities over the next three quarters, with a projected repricing benefit [124][125] Question: Loan growth expectations and pipeline comfort? - The company anticipates loan growth to be driven by new hires, with a strong pipeline expected for the second half of the year [132][136]

Core Insights - Hancock Whitney (HWC) reported revenue of $364.7 million for Q1 2025, a 3% year-over-year increase, with EPS of $1.38 compared to $1.28 a year ago, indicating a positive trend in earnings performance [1] - The reported revenue was slightly below the Zacks Consensus Estimate of $364.77 million, resulting in a revenue surprise of -0.02%, while the EPS exceeded expectations by 7.81% [1] Financial Performance Metrics - Net interest margin (TE) was reported at 3.4%, matching the average estimate from four analysts [4] - The efficiency ratio was 55.2%, better than the average estimate of 56.5% from four analysts [4] - Total net charge-offs as a percentage of average loans stood at 0.2%, aligning with the estimate from three analysts [4] - Average balance of total interest-earning assets was $32.02 billion, slightly below the estimate of $32.32 billion [4] - Total nonperforming loans were reported at $104.21 million, better than the estimate of $105.41 million [4] - Total nonperforming assets amounted to $130.90 million, lower than the average estimate of $138.12 million [4] - Total noninterest income was $94.79 million, exceeding the average estimate of $92.10 million [4] - Net interest income (TE) was $272.71 million, slightly below the average estimate of $276.21 million [4] - Net interest income was reported at $269.91 million, compared to the average estimate of $272.82 million [4] - Secondary mortgage market operations generated $3.47 million, surpassing the estimate of $3.25 million [4] - Bank card and ATM fees totaled $20.71 million, slightly below the average estimate of $20.92 million [4] - Investment and annuity fees and insurance commissions were reported at $11.42 million, lower than the estimate of $12.39 million [4] Stock Performance - Shares of Hancock Whitney have returned -7.3% over the past month, compared to a -3.9% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]

First Quarter 2025 Earnings Conference Call 4/15/2025 HANCOCK WHITNEY Important cautionary statement about forward-looking statements This presentation contains forward-looking statements within the meaning of section 27A of the Securities Act of 1933, as amended, and section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements that we may make include statements regarding our expectations of our performance and financial condition, balance sheet and revenue growth, the provisi ...

Exhibit 99.1 FOR IMMEDIATE RELEASE April 15, 2025 For more information Kathryn Shrout Mistich, VP, Investor Relations Manager 504.539.7836 or kathryn.mistich@hancockwhitney.com Hancock Whitney reports first quarter 2025 EPS of $1.38 GULFPORT, Miss. (April 15, 2025) — Hancock Whitney Corporation (Nasdaq: HWC) today announced its financial results for the first quarter of 2025. Net income for the first quarter of 2025 totaled $119.5 million, or $1.38 per diluted common share (EPS), compared to $122.1 million, ...

In its upcoming report, Hancock Whitney (HWC) is predicted by Wall Street analysts to post quarterly earnings of $1.28 per share, reflecting no change compared to the same period last year. Revenues are forecasted to be $364.77 million, representing a year-over-year increase of 3%.The current level reflects no revision in the consensus EPS estimate for the quarter over the past 30 days. This demonstrates how the analysts covering the stock have collectively reappraised their initial projections over this pe ...

Getting big returns from financial portfolios, whether through stocks, bonds, ETFs, other securities, or a combination of all, is an investor's dream. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.Cash flow can come from bond interest, interest from other types of investments, and of course, dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric that m ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001-36872 HANCOCK WHITNEY CORPORATION (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organization) (I.R.S. ...

Core Viewpoint - Hancock Whitney reported strong fourth-quarter earnings, surpassing estimates, driven by growth in non-interest income and net interest income (NII), despite a decline in total loans [2][3][4]. Financial Performance - The fourth-quarter 2024 earnings per share were $1.40, exceeding the Zacks Consensus Estimate of $1.28 and up from $1.26 in the previous year [2]. - Net income for the quarter was $122.1 million, significantly higher than $50.6 million in the prior-year quarter, and above the estimate of $108.4 million [3]. - Total revenues for the quarter reached $364.8 million, an increase of 18.3% year over year, surpassing the consensus estimate of $361.3 million [4]. Income and Expenses - Non-interest income totaled $91.2 million, driven by increases in trust fees and service charges, exceeding the projected $86.7 million [5]. - Total non-interest expenses decreased by 11.7% to $202.3 million, better than the expected $205.4 million [5]. - The efficiency ratio improved to 54.46% from 55.58% in the previous year, indicating enhanced profitability [6]. Credit Quality - The provision for credit losses was $11.9 million, down 29.7% from the prior-year quarter, with net charge-offs at 0.20% of average total loans, a decrease of 7 basis points [7]. Capital Ratios and Profitability - The Tier 1 leverage ratio improved to 11.29% from 10.10% year-over-year, and the common equity Tier 1 ratio rose to 14.14% from 12.33% [8]. - Return on average assets was 1.40%, up from 0.56% in the prior year, while return on average common equity increased to 11.74% from 5.64% [9]. Share Repurchase - In the reported quarter, Hancock Whitney repurchased 0.15 million shares at an average price of $52.50 per share [10]. 2025 Outlook - Management anticipates mid-single-digit growth in loan balances and low single-digit growth in deposits for 2025, with NII projected to increase by 3.5-4.5% year over year [11]. - Adjusted non-interest expenses are expected to rise by 4-5% from $816.1 million in 2024, with plans to hire additional personnel [12]. Strategic Objectives - By the fourth quarter of 2027, management aims for an adjusted return on assets between 1.40% and 1.50%, and an efficiency ratio of less than or equal to 55% [13]. Estimate Trends - There has been an upward trend in estimates, with a consensus estimate shift of 5.53% recently [14]. - Hancock Whitney holds a Zacks Rank 1 (Strong Buy), indicating expectations for above-average returns in the coming months [17]. Industry Performance - Hancock Whitney operates within the Zacks Banks - Southeast industry, where Regions Financial reported revenues of $1.82 billion, reflecting a year-over-year change of +0.2% [18].

Whether it's through stocks, bonds, ETFs, or other types of securities, all investors love seeing their portfolios score big returns. However, when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.Cash flow can come from bond interest, interest from other types of investments, and of course, dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric that mea ...

Hancock Whitney Corp. (HWC) hiked its quarterly cash dividend by 12.5% to 45 cents per share. The dividend will be paid out on March 17, 2025, to its shareholders of record as of March 5.Before the recent hike, the bank increased its dividend by 33.3% to 40 cents per share in April 2024. Hancock Whitney has raised its dividend thrice in the past five years with growth rate of 7.5%. It has a dividend payout ratio of 30%.Based on its closing price of $59.74 as of Jan. 31, HWC’s forward dividend yield, conside ...