Compared to Estimates, Hancock Whitney (HWC) Q4 Earnings: A Look at Key Metrics

Core Insights - Hancock Whitney (HWC) reported a revenue of $364.77 million for the quarter ended December 2024, reflecting an 18.3% increase year-over-year and a surprise of +0.95% over the Zacks Consensus Estimate of $361.32 million [1] - The earnings per share (EPS) for the quarter was $1.40, up from $1.26 in the same quarter last year, with an EPS surprise of +9.38% compared to the consensus estimate of $1.28 [1] Financial Performance Metrics - Net interest margin (TE) stood at 3.4%, matching the average estimate from four analysts [4] - The efficiency ratio was reported at 54.5%, better than the average estimate of 56.6% from four analysts [4] - Total net charge-offs as a percentage of average loans were 0.2%, lower than the average estimate of 0.3% from three analysts [4] - Average balance of total interest-earning assets was $32.33 billion, slightly above the average estimate of $32.20 billion from three analysts [4] - Total nonperforming loans amounted to $97.34 million, exceeding the average estimate of $87.27 million from two analysts [4] - Total nonperforming assets reached $125.13 million, higher than the average estimate of $115.96 million from two analysts [4] - Total noninterest income was $91.21 million, surpassing the average estimate of $88.49 million from four analysts [4] - Net interest income (TE) was reported at $276.29 million, in line with the average estimate from four analysts [4] - Net interest income was $273.56 million, slightly above the average estimate of $273.08 million from three analysts [4] - Secondary mortgage market operations generated $2.56 million, exceeding the average estimate of $2.47 million from two analysts [4] - Bank card and ATM fees totaled $21.40 million, higher than the average estimate of $20.75 million from two analysts [4] - Investment and annuity fees and insurance commissions were reported at $10.90 million, above the average estimate of $9.94 million from two analysts [4] Stock Performance - Shares of Hancock Whitney have returned +8% over the past month, outperforming the Zacks S&P 500 composite, which changed by +1.2% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]