Hancock Whitney Corporation Financials
Hancock Whitney Corporation (HWC) reported $1.6B in revenue over the twelve months to Jun 30, 2026, down 0.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Hancock Whitney’s recent earnings improvement reflects more profit from a steady balance sheet, not aggressive expansion or leverage.
Total assets stayed nearly flat at$35.5B in FY2025, yet ROA reached1.4% . Because revenue eased from FY2024 while net income still increased and share count fell, the improvement looks like better profit extraction from an existing balance sheet, helped by efficiency and capital actions rather than simple asset growth.
Cash conversion looks clean: operating cash flow of
Capital is building faster than leverage: equity rose to
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Hancock Whitney Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Hancock Whitney Corporation, and counted as zero in the overall score.
Hancock Whitney Corporation passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Hancock Whitney Corporation generates $1.11 in operating cash flow ($541.8M OCF vs $486.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Hancock Whitney Corporation generated $1.6B in revenue in fiscal year 2025. This represents a decrease of 4.6% from the prior year.
Hancock Whitney Corporation reported $486.1M in net income in fiscal year 2025. This represents an increase of 5.5% from the prior year.
Hancock Whitney Corporation earned $5.67 per diluted share (EPS) in fiscal year 2025. This represents an increase of 7.4% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Hancock Whitney Corporation generated $523.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 15.0% from the prior year.
Hancock Whitney Corporation held $563.0M in cash against $199.4M in long-term debt as of fiscal year 2025.
Hancock Whitney Corporation paid $1.80 per share in dividends in fiscal year 2025. This represents an increase of 20.0% from the prior year.
Margins & Returns
Hancock Whitney Corporation's net profit margin was 30.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.9 percentage points from the prior year.
Hancock Whitney Corporation's ROE was 10.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Hancock Whitney Corporation spent $246.9M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 555.0% from the prior year.
Hancock Whitney Corporation invested $18.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 82.9% from the prior year.
Not reported for fiscal year 2025.
HWC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $412.9M+2.9% | $401.4M-1.5% | $407.7M-0.3% | $409.0M+1.6% | $402.6M+1.8% | $395.3M-4.6% | $414.3M-3.5% | $429.5M |
| SG&A Expenses | $130.2M+2.4% | $127.1M+3.8% | $122.5M+0.4% | $122.0M+4.7% | $116.5M+1.9% | $114.3M+0.5% | $113.7M-1.8% | $115.8M |
| Interest Expense | $119.9M+3.1% | $116.2M-7.4% | $125.5M-2.9% | $129.3M+2.9% | $125.6M+0.2% | $125.4M-10.9% | $140.7M-10.8% | $157.7M |
| Income Tax | $35.2M+211.3% | $11.3M-65.5% | $32.7M-0.4% | $32.9M+5.9% | $31.0M+4.6% | $29.7M+4.3% | $28.4M-4.2% | $29.7M |
| Net Income | $127.0M+167.7% | $47.4M-62.2% | $125.6M-1.5% | $127.5M+12.3% | $113.5M-5.0% | $119.5M-2.1% | $122.1M+5.6% | $115.6M |
| EPS (Diluted) | $1.55+171.9% | $0.57-62.0% | $1.50+0.7% | $1.49+12.9% | $1.32-4.3% | $1.38-1.4% | $1.40+5.3% | $1.33 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
HWC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $36.3B+2.3% | $35.5B+0.2% | $35.5B-0.8% | $35.8B+1.6% | $35.2B+1.3% | $34.8B-0.9% | $35.1B-0.4% | $35.2B |
| Cash & Equivalents | $572.0M+3.0% | $555.5M-1.3% | $563.0M+9.4% | $514.6M+0.4% | $512.5M+0.4% | $510.3M-11.2% | $574.9M+0.9% | $569.9M |
| Goodwill | $925.4M0.0% | $925.4M0.0% | $925.4M0.0% | $925.4M0.0% | $925.4M+8.2% | $855.5M0.0% | $855.5M0.0% | $855.5M |
| Total Liabilities | $31.9B+2.5% | $31.1B+0.4% | $31.0B-0.9% | $31.3B+1.4% | $30.8B+1.2% | $30.5B-1.6% | $31.0B-0.4% | $31.1B |
| Long-Term Debt | $193.8M0.0% | $193.8M-2.8% | $199.4M-5.3% | $210.7M0.0% | $210.6M0.0% | $210.6M0.0% | $210.5M-10.9% | $236.4M |
| Total Equity | $4.4B+0.6% | $4.4B-0.9% | $4.5B-0.3% | $4.5B+2.5% | $4.4B+2.0% | $4.3B+3.7% | $4.1B-1.1% | $4.2B |
| Retained Earnings | $3.1B+2.8% | $3.0B+0.2% | $3.0B+3.0% | $2.9B+3.1% | $2.9B+2.7% | $2.8B+3.0% | $2.7B+3.3% | $2.6B |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
HWC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $151.3M+32.3% | $114.4M-25.2% | $153.0M-3.6% | $158.8M+26.2% | $125.8M+20.8% | $104.2M-45.6% | $191.6M+17.9% | $162.5M |
| Capital Expenditures | $860K-85.5% | $5.9M-17.0% | $7.1M+87.0% | $3.8M+0.3% | $3.8M-3.6% | $4.0M+44.4% | $2.7M-30.1% | $3.9M |
| Free Cash Flow | $150.4M+38.7% | $108.4M-25.7% | $145.9M-5.9% | $155.0M+27.0% | $122.0M+21.7% | $100.2M-46.9% | $188.8M+19.1% | $158.6M |
| Investing Cash Flow | -$807.0M-556.7% | -$122.9M-136.8% | $333.9M+161.9% | -$539.0M-34.6% | -$400.5M-237.5% | $291.2M+1241.1% | -$25.5M-109.4% | $271.4M |
| Financing Cash Flow | $672.2M+65034.8% | $1.0M+100.2% | -$438.5M-214.7% | $382.3M+38.1% | $276.8M+160.2% | -$460.0M-185.7% | -$161.0M+55.9% | -$364.8M |
| Dividends Paid | $40.5M-3.7% | $42.1M+13.1% | $37.2M-3.0% | $38.4M-0.8% | $38.7M-2.3% | $39.6M+14.1% | $34.7M-0.2% | $34.8M |
| Share Buybacks | $46.5M-50.9% | $94.6M-35.5% | $146.6M+266.0% | $40.1M+1.6% | $39.4M+90.1% | $20.7M+163.3% | $7.9M-48.1% | $15.2M |
HWC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 30.8%+18.9pp | 11.8%-19.0pp | 30.8%-0.4pp | 31.2%+3.0pp | 28.2%-2.0pp | 30.2%+0.8pp | 29.5%+2.6pp | 26.9% |
| Return on Equity | 2.9%+1.8pp | 1.1%-1.8pp | 2.8%0.0pp | 2.9%+0.3pp | 2.6%-0.2pp | 2.8%-0.2pp | 3.0%+0.2pp | 2.8% |
| Return on Assets | 0.4%+0.2pp | 0.1%-0.2pp | 0.4%0.0pp | 0.4%0.0pp | 0.3%0.0pp | 0.3%0.0pp | 0.4%0.0pp | 0.3% |
| Debt-to-Equity | 0.040.0x | 0.040.0x | 0.040.0x | 0.050.0x | 0.050.0x | 0.050.0x | 0.050.0x | 0.06 |
| FCF Margin | 36.4%+9.4pp | 27.0%-8.8pp | 35.8%-2.1pp | 37.9%+7.6pp | 30.3%+4.9pp | 25.4%-20.2pp | 45.6%+8.7pp | 36.9% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Hancock Whitney Corporation Ranks
Frequently Asked Questions
What is Hancock Whitney Corporation's annual revenue?
Hancock Whitney Corporation (HWC) reported $1.6B in total revenue for fiscal year 2025. This represents a -4.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Hancock Whitney Corporation's revenue growing?
Hancock Whitney Corporation (HWC) revenue declined by 4.6% year-over-year, from $1.7B to $1.6B in fiscal year 2025.
Is Hancock Whitney Corporation profitable?
Yes, Hancock Whitney Corporation (HWC) reported a net income of $486.1M in fiscal year 2025, with a net profit margin of 30.1%.
How much debt does Hancock Whitney Corporation have?
As of fiscal year 2025, Hancock Whitney Corporation (HWC) had $563.0M in cash and equivalents against $199.4M in long-term debt.
What is Hancock Whitney Corporation's net profit margin?
Hancock Whitney Corporation (HWC) had a net profit margin of 30.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Hancock Whitney Corporation pay dividends?
Yes, Hancock Whitney Corporation (HWC) paid $1.80 per share in dividends during fiscal year 2025.
What is Hancock Whitney Corporation's return on equity (ROE)?
Hancock Whitney Corporation (HWC) has a return on equity of 10.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Hancock Whitney Corporation's free cash flow?
Hancock Whitney Corporation (HWC) generated $523.1M in free cash flow during fiscal year 2025. This represents a -15.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Hancock Whitney Corporation's operating cash flow?
Hancock Whitney Corporation (HWC) generated $541.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Hancock Whitney Corporation's total assets?
Hancock Whitney Corporation (HWC) had $35.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Hancock Whitney Corporation's capital expenditures?
Hancock Whitney Corporation (HWC) invested $18.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Hancock Whitney Corporation's debt-to-equity ratio?
Hancock Whitney Corporation (HWC) had a debt-to-equity ratio of 0.04 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Hancock Whitney Corporation's return on assets (ROA)?
Hancock Whitney Corporation (HWC) had a return on assets of 1.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Hancock Whitney Corporation's Piotroski F-Score?
Hancock Whitney Corporation (HWC) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Hancock Whitney Corporation's earnings high quality?
Hancock Whitney Corporation (HWC) has an earnings quality ratio of 1.11x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Hancock Whitney Corporation?
Hancock Whitney Corporation (HWC) scores 57 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.