Short answer
HANCOCK WHITNEY CORP (HWC) filed its fiscal 2025 10-K annual report with the SEC on Feb 27, 2026. It reported revenue of $1.6B (−4.6% year over year) and net income of $486M.
- Top risk flagged: Regulatory risk from Federal Reserve Board oversight on wholesale funds use limit: internal target less than 25% of core deposits
FY2025 key financial metrics · XBRL
- Revenue
- $1.6B
- −4.6% YoY
- Net income
- $486M
- +5.5% YoY
- EPS (diluted)
- $5.67
- +7.4% YoY
- ROE
- 10.9%
- −0.3 pp YoY
- Operating cash flow
- $542M
- −13.4% YoY
Source: XBRL data from the HANCOCK WHITNEY CORP (HWC) FY2025 10-K on SEC EDGAR. USD.
HANCOCK WHITNEY CORP FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business model: Regional financial services including banking and related financial products
- No new products, services, or business segments introduced or emphasized this year
- No strategic shift or changed competitive positioning detailed in this filing
- Independent auditor PricewaterhouseCoopers LLP retained with Auditor Firm ID 238
- Executive compensation and stock ownership details deferred to 2026 proxy statement, referenced but not disclosed here
Management Discussion & Analysis
- Revenue: Noninterest income $406.4M, up $42.3M or 12% YoY, driven by Sabal acquisition and most revenue line growth
- Profitability: Noninterest expense $851.6M, up 4% YoY; effective tax rate 20.6% in 2025 vs 19.7% in 2024
- Best segment: Trust fees $89.6M, up $17.9M or 25% YoY due to Sabal acquisition; Worst: Credit-related fees $11.3M, down 6% YoY
- Cash flow: No buyback/dividend dollars disclosed; capital allocation includes $5.9M Sabal acquisition costs in expense; capex/other not specified
- Outlook & risks: FDIC special assessment exposure uncertain from systemic risk losses; securities portfolio restructuring in Jan 2026 to enhance future net interest income
Risk Factors
- Regulatory risk from Federal Reserve Board oversight on wholesale funds use limit: internal target less than 25% of core deposits
- Macroeconomic exposure to uninsured, noncollateralized deposits of approximately $11.3 billion versus liquidity $18.9 billion at year-end 2025
- Operational liquidity risk from reliance on Federal Home Loan Bank line of credit with $5.3 billion capacity and $400 million outstanding borrowings
- Competitive threat in retail deposits with brokered deposits eliminated from $6.9 million in 2024 to zero in 2025, impacting funding diversity
- Financial risk from wholesale funds increase to $1.2 billion, up $360 million year-over-year, relative to core deposits of $27.8 billion
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