Here's What Key Metrics Tell Us About Hancock Whitney (HWC) Q3 Earnings

Core Insights - Hancock Whitney (HWC) reported revenue of $385.74 million for Q3 2025, a year-over-year increase of 4.9% and an EPS of $1.49 compared to $1.33 a year ago, with a revenue surprise of -0.55% against the Zacks Consensus Estimate of $387.87 million and an EPS surprise of +5.67% over the consensus estimate of $1.41 [1] Financial Performance Metrics - Net interest margin (TE) was reported at 3.5%, matching the four-analyst average estimate of 3.5% [4] - Efficiency Ratio stood at 54.1%, better than the four-analyst average estimate of 56.1% [4] - Total net charge-offs as a percentage of average loans were 0.2%, in line with the average estimate [4] - Average balance of total interest-earning assets was $32.21 billion, slightly below the three-analyst average estimate of $32.41 billion [4] - Total nonperforming loans amounted to $113.55 million, exceeding the two-analyst average estimate of $94.44 million [4] - Total nonperforming assets were reported at $124.69 million, slightly above the two-analyst average estimate of $121.03 million [4] - Total noninterest income reached $106 million, surpassing the four-analyst average estimate of $102.89 million [4] - Net interest income (TE) was $282.31 million, below the four-analyst average estimate of $286.53 million [4] - Net interest income was reported at $279.74 million, compared to the three-analyst average estimate of $283.83 million [4] - Secondary mortgage market operations generated $3.48 million, below the two-analyst average estimate of $4.13 million [4] - Bank card and ATM fees totaled $21.81 million, slightly below the two-analyst average estimate of $22.52 million [4] - Investment and annuity fees and insurance commissions were $14.51 million, exceeding the two-analyst average estimate of $10.87 million [4] Stock Performance - Shares of Hancock Whitney have returned -4.1% over the past month, contrasting with the Zacks S&P 500 composite's +1.1% change, and the stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]