Core Insights - The company reported an expansion in Net Interest Margin (NIM) by six basis points in Q2 2025, indicating improved profitability [2][15] - Adjusted Return on Assets (ROA) was 1.37% for Q2 2025, reflecting transaction expenses related to the Sable Trust acquisition [3][20] - Adjusted net income decreased slightly to $118 million, or $1.37 per share, compared to $120 million, or $1.38 per share, in the previous quarter [3][20] - Pre-Provision Net Revenue (PPNR) increased by $5 million, or 3%, reaching 1.95% of assets [3][20] - Fee income rose by $4 million, or 4%, primarily driven by trust fees from the Sable Trust acquisition [4][20] Financial Performance - Net Interest Income (NII) increased by $7 million, or 2%, quarter-over-quarter [3][20] - Expenses rose by $5 million, or 2%, after adjusting for one-time items, with $2.5 million attributed to the Sable Trust acquisition [4][20] - Efficiency Ratio improved to 54.91% from 55.22% in the previous quarter, indicating better cost management [5][21] - Loans grew by $364 million, representing 6% annualized linked-quarter growth, with guidance for low single-digit annual growth remaining unchanged [5][15] Deposits and Funding - Deposit balances decreased by $148 million, primarily due to certificate of deposit (CD) run-off and reduced public funds [5][16] - Demand Deposit Account (DDA) mix increased to 37%, with management guiding for 37%-38% by year-end 2025 [5][24] - CD maturities repriced from 3.85% to 3.59%, with an 86% renewal rate; an additional $3.6 billion is expected to mature in the second half of 2025 [6][23] Capital and Shareholder Returns - Tangible common equity (TCE) stood at 9.84% and common equity Tier 1 at 14.03% post-acquisition [7][25] - The company repurchased 750,000 shares, spending approximately $40 million, with plans to maintain this capital return pace [8][26] - Management expects a common equity Tier 1 operating level of 11%-11.5% and a TCE comfort zone near 8% [9][29] Credit Quality - Allowance for Credit Losses (ACL) was maintained at 1.45% of loans, down four basis points from the last quarter [7][25] - Net charge-offs increased to 31 basis points, with full-year 2025 guidance unchanged at 15-25 basis points [7][25] - Criticized commercial loans declined by 4% to $594 million, and nonaccrual loans fell by 9% to $95 million, indicating stable credit quality [7][25] Growth Initiatives - The company added ten new bankers and finalized five new financial center locations in the Dallas area, with three openings slated for late 2025 and the remainder in early 2026 [8][17] - Management expects continued CD repricing at lower rates, forecasting at least an 81% renewal rate in the second half of 2025 [12][24] - The organic hiring plan targets a compounded 10% increase in bankers annually, with flexibility to exceed this if high-quality talent becomes available [12][76]

Financial Performance - Net income was $113.5 million, or $1.32 per diluted share, compared to $119.5 million, or $1.38 per diluted share in 1Q25[24, 25] - Adjusted Pre-Provision Net Revenue (PPNR) totaled $167.9 million, up $5.5 million compared to 1Q25[24, 25] - Net Interest Margin (NIM) was 3.49%, up 6 bps compared to 1Q25[24, 25] - Efficiency ratio was 54.91%, improved 31 bps compared to prior quarter[24, 25] Balance Sheet - Total assets reached $35.2 billion[10] - Loans totaled $23.5 billion, up $364 million, or 6% LQA[10, 25, 29] - Deposits totaled $29.0 billion, down $148 million, or 2% LQA[10, 25, 36] - CET1 ratio was estimated at 14.03%, down 45 bps linked-quarter; TCE ratio at 9.84%, down 17 bps linked-quarter[10, 24, 25] Asset Quality - Criticized commercial loans totaled $569 million, or 3.15% of total commercial loans, down $25 million from $594 million, or 3.35% of total commercial loans, in prior quarter[38, 39] - Nonaccrual loans totaled $95 million, or 0.40% of total loans, down $9 million from $104 million, or 0.45% of total loans, in prior quarter[38, 39] - ACL coverage solid at 1.45%, compared to 1.49% in prior quarter[25, 41] Forward Guidance - Expect EOP loans at 12/31/25 to be up low single digits from 12/31/24 levels[74] - Expect NII (te) to be up between 3%-4% from FY24; expect modest NIM expansion throughout 2H25[74] - Expect noninterest income to be up 9%-10% from FY24 noninterest income[74]

[Financial Highlights & Overview](index=1&type=section&id=Financial_Highlights_and_Overview) The company reported solid Q2 2025 results with strong profitability, NIM expansion, and active capital deployment, despite acquisition-related expenses [Second Quarter 2025 Highlights](index=1&type=section&id=Second_Quarter_2025_Highlights) Hancock Whitney reported a solid second quarter for 2025, with a net income of $113.5 million, or $1.32 per diluted share Q2 2025 Key Financial Results | Metric | Q2 2025 | Q1 2025 | Q2 2024 | | :--- | :--- | :--- | :--- | | Net Income | $113.5M | $119.5M | $114.6M | | Diluted EPS | $1.32 | $1.38 | $1.31 | | Diluted EPS (Adjusted) | $1.37 | $1.38 | $1.31 | - The acquisition of Sabal Trust Company on May 2, 2025, resulted in **$5.9 million** ($0.05 per share) of supplemental disclosure items, impacting reported earnings[1](index=1&type=chunk)[4](index=4&type=chunk) Q2 2025 Key Performance Indicators (vs. Q1 2025) | Indicator | Q2 2025 Value | Change vs. Q1 2025 | | :--- | :--- | :--- | | Adjusted PPNR | $167.9M | Up $5.5M | | Loans | $23.5B | Up 6% LQA | | Deposits | $29.0B | Down 2% LQA | | Net Interest Margin (NIM) | 3.49% | Up 6 bps | | Efficiency Ratio | 54.91% | Improved 31 bps | | CET1 Ratio (est.) | 14.03% | Down 45 bps | - CEO John M. Hairston highlighted the quarter's solid profitability, NIM expansion, improved efficiency, and proactive capital deployment for both organic growth and the repurchase of **750,000 shares**[4](index=4&type=chunk) [Financial Condition Analysis](index=2&type=section&id=Financial_Condition_Analysis) The company's financial condition shows growth in loans, a slight decrease in deposits, solid asset quality, and strong capital ratios [Loans](index=2&type=section&id=Loans) Total loans increased by $363.6 million to $23.5 billion in the second quarter, a 6% linked-quarter annualized growth rate Loan Portfolio Growth | Metric | June 30, 2025 (in billions) | Change from Mar 31, 2025 (in millions) | | :--- | :--- | :--- | | Total Loans | $23.5 billion | +$363.6 million (+2%) | | Average Loans | $23.2 billion | +$180.7 million (+1%) | - Management expects **low-single digit loan growth** in 2025 from December 31, 2024 levels[5](index=5&type=chunk) [Deposits](index=2&type=section&id=Deposits) Total deposits saw a slight linked-quarter decrease of $148.1 million, ending the quarter at $29.0 billion Deposit Balances | Metric | June 30, 2025 (in billions) | Change from Mar 31, 2025 (in millions) | | :--- | :--- | :--- | | Total Deposits | $29.0 billion | -$148.1 million (-1%) | | Average Deposits | $28.6 billion | -$102.5 million (< -1%) | - Noninterest-bearing deposits (DDAs) increased by $23.9 million and constituted **37%** of total deposits at quarter-end[7](index=7&type=chunk) - The decrease in deposits was primarily driven by a **$234.4 million (6%)** drop in retail time deposits and a decrease in interest-bearing public funds due to seasonal outflows[6](index=6&type=chunk)[7](index=7&type=chunk) [Asset Quality](index=2&type=section&id=Asset_Quality) Asset quality remained solid with improvements in key areas Credit Quality Metrics (Q2 2025 vs Q1 2025) | Metric | Q2 2025 (in millions) | Q1 2025 (in millions) | | :--- | :--- | :--- | | ACL to Period-End Loans | 1.45% | 1.49% | | Provision for Credit Losses | $14.9M | $10.5M | | Net Charge-Offs (Annualized) | 0.31% | 0.18% | | Criticized Commercial Loans | $569.3M | $594.1M | | Nonaccrual Loans | $94.9M | $104.2M | - Criticized commercial loans decreased to **3.15%** of total commercial loans from 3.35% in the prior quarter[10](index=10&type=chunk) - Nonaccrual loans as a percentage of total loans improved, decreasing to **0.40%** from **0.45%** linked-quarter[10](index=10&type=chunk) [Capital](index=4&type=section&id=Capital) Capital ratios remained strong despite a linked-quarter decrease due to deployment for growth and share buybacks Key Capital Ratios (June 30, 2025) | Ratio | Value (%) | Change vs. Mar 31, 2025 (%) | | :--- | :--- | :--- | | CET1 Ratio (est.) | 14.03% | -45 bps | | TCE Ratio | 9.84% | -17 bps | | Total Risk-Based Capital (est.) | 15.87% | -50 bps | - The company repurchased **750,000 shares** of its common stock during Q2 2025, bringing the total repurchased under the current program to **1,100,000 shares**[21](index=21&type=chunk) [Results of Operations Analysis](index=3&type=section&id=Results_of_Operations_Analysis) Operating results for Q2 2025 show increased net interest income and noninterest income, alongside higher expenses due to acquisition-related costs [Net Interest Income and Net Interest Margin (NIM)](index=3&type=section&id=Net_Interest_Income_and_Net_Interest_Margin_%28NIM%29) Net interest income (TE) increased by $6.7 million to $279.5 million, and the net interest margin (NIM) expanded by 6 basis points to 3.49% linked-quarter Net Interest Income & Margin (TE) | Metric | Q2 2025 (in millions) | Change from Q1 2025 (in millions) | | :--- | :--- | :--- | | Net Interest Income (TE) | $279.5M | +$6.7M (+2%) | | Net Interest Margin (TE) | 3.49% | +6 bps | - The **6 bps** NIM expansion was driven by: **+4 bps** from deposit rates, **+2 bps** from securities yields, and **+2 bps** from loan yields, partially offset by a **-2 bps** impact from unfavorable borrowing mix and rates[11](index=11&type=chunk) [Noninterest Income](index=3&type=section&id=Noninterest_Income) Noninterest income rose by $3.7 million (4%) to $98.5 million compared to the prior quarter Noninterest Income Breakdown (Q2 2025 vs Q1 2025) | Category | Q2 2025 Value (in millions) | Change vs. Q1 2025 (in millions) | | :--- | :--- | :--- | | **Total Noninterest Income** | **$98.5M** | **+$3.7M (+4%)** | | Trust Fees | $22.8M | +$4.7M (+26%) | | Bank Card & ATM Fees | $22.0M | +$1.3M (+6%) | | Secondary Mortgage Operations | $4.1M | +$0.7M (+20%) | | Investment & Annuity/Insurance | $10.6M | -$0.8M (-7%) | | Other Noninterest Income | $14.8M | -$2.3M (-13%) | - The acquisition of Sabal Trust Company on May 2, 2025, contributed **$3.6 million** to trust fees in the quarter[14](index=14&type=chunk) [Noninterest Expense & Taxes](index=3&type=section&id=Noninterest_Expense_and_Taxes) Noninterest expense increased by $10.9 million (5%) to $216.0 million, largely due to $5.9 million in one-time expenses related to the Sabal Trust Company acquisition - Total noninterest expense rose to **$216.0 million**, up **$10.9 million** from Q1 2025. This included **$5.9 million** in one-time acquisition expenses for Sabal Trust Company[16](index=16&type=chunk) - The acquisition-related expenses included **$1.4 million** in personnel costs and **$4.5 million** in other expenses, primarily professional services[17](index=17&type=chunk)[19](index=19&type=chunk) - The effective income tax rate for the second quarter of 2025 was **21.5%**[19](index=19&type=chunk) [Financial Statements](index=7&type=section&id=Financial_Statements) This section provides detailed financial statements, including income statement, balance sheet, average balance sheet, and asset quality information, for Q2 2025 and comparative periods [Financial Highlights](index=7&type=section&id=Financial_Highlights) This section provides a consolidated, high-level overview of the company's financial performance and condition Selected Financial Highlights | Metric (Q2 2025) | Value | | :--- | :--- | | Net Income | $113.5M | | Diluted EPS | $1.32 | | Total Assets (Period-End) | $35.2B | | Total Loans (Period-End) | $23.5B | | Total Deposits (Period-End) | $29.0B | | Return on Average Assets | 1.32% | | Net Interest Margin (TE) | 3.49% | | Efficiency Ratio | 54.91% | [Income Statement](index=9&type=section&id=Income_Statement) The detailed income statement shows a net income of $113.5 million for Q2 2025, a decrease from $119.5 million in Q1 2025 Income Statement Summary (in thousands) | Line Item | Q2 2025 (in thousands) | Q1 2025 (in thousands) | Q2 2024 (in thousands) | | :--- | :--- | :--- | :--- | | Net Interest Income | $276,959 | $269,905 | $270,430 | | Provision for Credit Losses | $14,925 | $10,462 | $8,723 | | Noninterest Income | $98,524 | $94,791 | $89,174 | | Noninterest Expense | $215,979 | $205,059 | $206,016 | | **Net Income** | **$113,531** | **$119,504** | **$114,557** | [Balance Sheet](index=11&type=section&id=Balance_Sheet) The period-end balance sheet as of June 30, 2025, shows total assets of $35.2 billion, an increase from the prior quarter Period-End Balance Sheet Summary (in thousands) | Line Item | June 30, 2025 (in thousands) | March 31, 2025 (in thousands) | June 30, 2024 (in thousands) | | :--- | :--- | :--- | :--- | | Total Loans | $23,461,750 | $23,098,146 | $23,911,616 | | Total Assets | $35,212,652 | $34,750,680 | $35,412,291 | | Total Deposits | $29,046,612 | $29,194,733 | $29,200,718 | | Total Common Stockholders' Equity | $4,365,419 | $4,278,672 | $3,920,718 | [Average Balance Sheet and Net Interest Margin Summary](index=12&type=section&id=Average_Balance_Sheet_and_Net_Interest_Margin_Summary) This section details the average balances for assets and liabilities during the quarter, which form the basis for the Net Interest Margin (NIM) calculation Net Interest Margin (TE) Summary (Q2 2025) | Metric | Value (%) | | :--- | :--- | | Average Earning Assets | $32.1B | | Average Earning Assets Yield (TE) | 5.06% | | Total Cost of Funds | 1.57% | | Net Interest Spread (TE) | 2.46% | | **Net Interest Margin (TE)** | **3.49%** | [Asset Quality Information](index=15&type=section&id=Asset_Quality_Information) This provides a detailed breakdown of asset quality metrics Asset Quality Metrics (June 30, 2025) | Metric | Value (in millions) | | :--- | :--- | | Nonaccrual Loans | $94.9M | | Nonaccrual Loans as a % of Loans | 0.40% | | Total Allowance for Credit Losses (ACL) | $340.3M | | ACL as a % of Period-End Loans | 1.45% | | Net Charge-Offs (Q2 2025) | $17.8M | [Other Information](index=4&type=section&id=Other_Information) This section provides details on the upcoming conference call, clarifies the use of non-GAAP financial measures, and includes reconciliations for these metrics [Conference Call Information](index=4&type=section&id=Conference_Call_Information) Management will host a conference call for analysts and investors to review the second quarter 2025 results - A conference call to discuss Q2 2025 results is scheduled for **July 15, 2025, at 3:30 p.m. Central Time**[22](index=22&type=chunk) [Non-GAAP Financial Measures and Forward-Looking Statements](index=4&type=section&id=Non-GAAP_Financial_Measures_and_Forward-Looking_Statements) This section clarifies the use of non-GAAP financial measures, such as figures presented on a fully taxable equivalent (TE) basis, adjusted pre-provision net revenue (PPNR), and an adjusted efficiency ratio - The company uses non-GAAP measures, including presenting net interest income and margin on a taxable-equivalent (TE) basis, to enhance comparability[25](index=25&type=chunk)[26](index=26&type=chunk) - Adjusted Pre-Provision Net Revenue (PPNR) and an adjusted Efficiency Ratio are presented to exclude certain items, such as acquisition costs, to better reflect ongoing business trends[27](index=27&type=chunk)[28](index=28&type=chunk) - The release contains forward-looking statements regarding performance, growth, and economic conditions, which are subject to significant risks and uncertainties[29](index=29&type=chunk)[31](index=31&type=chunk) [Appendix A: Reconciliation of Non-GAAP Measures](index=17&type=section&id=Appendix_A_Reconciliation_of_Non-GAAP_Measures) This appendix provides the necessary reconciliations for the non-GAAP measures used in the report Reconciliation to Adjusted Pre-Provision Net Revenue (TE) (Q2 2025, in thousands) | Line Item | Amount (in thousands) | | :--- | :--- | | Net Income (GAAP) | $113,531 | | Plus: Provision for credit losses | $14,925 | | Plus: Income tax expense | $31,048 | | Plus: Taxable equivalent adjustment | $2,496 | | Plus: Sabal Trust acquisition expense | $5,911 | | **Adjusted pre-provision net revenue (TE)** | **$167,911** | Efficiency Ratio Calculation (Q2 2025, in thousands) | Line Item | Amount (in thousands) | | :--- | :--- | | Total revenue (TE) | $377,979 | | GAAP Noninterest expense | $215,979 | | Less: Amortization of intangibles | ($2,524) | | Less: Sabal Trust acquisition expense | ($5,911) | | **Adjusted noninterest expense** | **$207,544** | | **Efficiency ratio** | 54.91% |

Company Overview - Hancock Whitney Corporation is a bank and financial holding company based in Gulfport, MS, operating through 180 full-service bank branches and 222 ATMs across Mississippi, Alabama, Louisiana, Florida, and Texas [12] - The company also has loan and deposit production offices in Nashville, TN, and Atlanta, GA [12] Investment Ratings - Hancock Whitney is rated 2 (Buy) on the Zacks Rank, indicating a favorable investment outlook [13] - The company has a VGM Score of B, suggesting a combination of attractive value, growth, and momentum characteristics [13] Performance Metrics - Hancock Whitney's shares have increased by 10.8% over the past four weeks, highlighting strong momentum [13] - Two analysts have revised their earnings estimates higher for fiscal 2025, with the Zacks Consensus Estimate increasing by $0.02 to $5.53 per share [13] - The company boasts an average earnings surprise of +7.2%, indicating a history of exceeding earnings expectations [13] Investment Considerations - With a solid Zacks Rank and top-tier Momentum and VGM Style Scores, Hancock Whitney is recommended for investors' consideration [14]

Core Viewpoint - Analysts project Hancock Whitney (HWC) will report quarterly earnings of $1.34 per share, a 2.3% increase year over year, with revenues expected to reach $371.26 million, up 3.2% from the same quarter last year [1]. Earnings Estimates - Changes in earnings estimates are crucial for predicting investor reactions to the stock, with empirical studies showing a strong relationship between earnings estimate revisions and short-term stock price performance [2]. Key Metrics Projections - Analysts expect the 'Net interest margin (TE)' to be 3.5%, up from 3.4% in the same quarter last year [4]. - The 'Efficiency Ratio' is projected at 55.9%, compared to 56.2% a year ago [4]. - 'Average Balance - Total interest earning assets' is expected to reach $32.05 billion, down from $32.54 billion in the same quarter last year [5]. - 'Total nonperforming loans' are estimated at $106.46 million, up from $86.25 million a year ago [5]. - 'Total nonperforming assets' are projected to be $138.95 million, compared to $88.37 million in the same quarter last year [6]. - 'Total Noninterest Income' is forecasted at $96.84 million, up from $89.17 million a year ago [6]. - 'Net interest income (TE)' is expected to reach $278.55 million, compared to $273.26 million in the same quarter last year [7]. - 'Bank card and ATM fees' are estimated at $21.14 million, down from $21.83 million a year ago [8]. - 'Investment and annuity fees and insurance commissions' are projected at $10.47 million, up from $9.79 million last year [9]. - 'Other income' is expected to be $15.64 million, compared to $13.26 million a year ago [9]. Stock Performance - Hancock Whitney shares have increased by 11.6% in the past month, outperforming the Zacks S&P 500 composite's 4.4% increase, with a Zacks Rank 2 (Buy) indicating expected outperformance in the near term [10].

Group 1 - Hancock Whitney Corporation is set to release its second-quarter earnings results on July 15, with expected earnings of $1.36 per share, an increase from $1.31 per share in the same period last year [1] - The company is projected to report quarterly revenue of $376.07 million, compared to $362.43 million a year earlier [1] - Hancock Whitney shareholders elected Chevron Corporation executive Albert J. Williams to the board of directors during the annual shareholder meeting on April 23 [2] Group 2 - Hancock Whitney shares increased by 1.4%, closing at $60.77 [2] - Analysts have provided various ratings and price targets for Hancock Whitney, with DA Davidson maintaining a Buy rating and reducing the price target from $69 to $62 [5] - Raymond James reiterated a Strong Buy rating while lowering the price target from $72 to $62 [5] - Keefe, Bruyette & Woods maintained an Outperform rating and cut the price target from $68 to $62 [5] - Piper Sandler raised the price target from $68 to $70 while maintaining an Overweight rating [5] - Stephens & Co. maintained an Overweight rating and reduced the price target from $73 to $69 [5]

Core Viewpoint - Momentum investing focuses on following a stock's recent price trends, aiming to buy high and sell higher, with the expectation that established trends will continue [1] Company Overview: Hancock Whitney (HWC) - Hancock Whitney currently holds a Momentum Style Score of B, indicating a positive momentum outlook [2] - The company has a Zacks Rank of 2 (Buy), suggesting strong potential for outperformance in the market [3] Performance Metrics - Over the past week, HWC shares increased by 5.93%, outperforming the Zacks Banks - Southeast industry, which rose by 4.73% [5] - In a longer timeframe, HWC shares have risen by 25.87% over the past three months and 31.73% over the past year, compared to the S&P 500's gains of 23.56% and 13.28%, respectively [6] Trading Volume - HWC's average 20-day trading volume is 674,392 shares, which serves as a bullish indicator when combined with rising stock prices [7] Earnings Outlook - In the last two months, two earnings estimates for HWC have been revised upwards, increasing the consensus estimate from $5.51 to $5.53 [9] - For the next fiscal year, two estimates have also moved higher, with no downward revisions noted [9] Conclusion - Given the positive momentum indicators and earnings outlook, HWC is positioned as a strong buy candidate for investors seeking short-term opportunities [11]

Core Viewpoint - Hancock Whitney Corporation (HWC) is identified as a potential stock pick due to a recent "golden cross" event, indicating a bullish trend from a technical perspective [1]. Technical Analysis - A "golden cross" occurs when a short-term moving average, typically the 50-day, crosses above a long-term moving average, such as the 200-day, suggesting a potential bullish breakout [2]. - The formation of a golden cross involves three stages: a downtrend that bottoms out, the crossover of moving averages, and a subsequent upward price movement [3]. - The golden cross is contrasted with a "death cross," which indicates potential bearish momentum [3]. Performance Metrics - HWC has seen an 11.8% increase in stock price over the past four weeks, indicating positive momentum [4]. - The company currently holds a 3 (Hold) rating on the Zacks Rank, suggesting it may be positioned for further breakout [4]. Earnings Outlook - HWC's earnings outlook is positive, with three upward revisions in earnings estimates over the past 60 days, compared to no downward revisions [4]. - The Zacks Consensus Estimate for HWC has also increased, reinforcing the bullish sentiment around the stock [4][5].

Company Overview - Hancock Whitney (HWC) is based in Gulfport and operates in the Finance sector, with a year-to-date share price change of -2.7% [3] - The company currently pays a dividend of $0.45 per share, resulting in a dividend yield of 3.38%, which is higher than the Banks - Southeast industry's yield of 2.41% and the S&P 500's yield of 1.56% [3] Dividend Performance - Hancock Whitney's annualized dividend of $1.80 has increased by 20% from the previous year [4] - Over the past five years, the company has raised its dividend twice on a year-over-year basis, achieving an average annual increase of 9.80% [4] - The current payout ratio is 33%, indicating that the company distributes 33% of its trailing 12-month earnings per share as dividends [4] Earnings Growth - The Zacks Consensus Estimate for Hancock Whitney's earnings per share for 2025 is $5.51, reflecting a year-over-year growth rate of 3.57% [5] Investment Considerations - HWC is considered a compelling investment opportunity due to its strong dividend profile and current Zacks Rank of 3 (Hold) [7]

Company Overview - Hancock Whitney Corporation is a bank and financial holding company based in Gulfport, MS, operating through 180 full-service bank branches and 223 ATMs across Mississippi, Alabama, Louisiana, Florida, and Texas [11] - The company also has loan and deposit production offices in Nashville, TN, and Atlanta, GA [11] Investment Analysis - Hancock Whitney has a Zacks Rank of 3 (Hold) and a VGM Score of B, indicating a moderate investment potential [12] - The company has a Momentum Style Score of B, with shares increasing by 7.3% over the past four weeks [12] - Six analysts have revised their earnings estimates higher for fiscal 2025, with the Zacks Consensus Estimate increasing by $0.12 to $5.51 per share [12] - Hancock Whitney has an average earnings surprise of 7.2%, suggesting a positive trend in earnings performance [12] Conclusion - With a solid Zacks Rank and strong Momentum and VGM Style Scores, Hancock Whitney is recommended for investors' consideration [13]