Hancock Whitney Financials
This page shows Hancock Whitney (HWCPZ) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 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).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Hancock Whitney's revenue declined 4.6% year-over-year, from $1.7B to $1.6B. This contraction results in a growth score of 26/100.
Hancock Whitney carries a low D/E ratio of 0.04, meaning only $0.04 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
Hancock Whitney converts 32.4% of revenue into free cash flow ($523.1M). This strong cash generation earns a score of 100/100.
Hancock Whitney's ROE of 10.9% shows moderate profitability relative to equity, earning a score of 35/100. This is down from 11.2% the prior year.
Hancock Whitney passes 6 of 9 financial strength tests. 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 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 generated $1.6B in revenue in fiscal year 2025. This represents a decrease of 4.6% from the prior year.
Hancock Whitney reported $486.1M in net income in fiscal year 2025. This represents an increase of 5.5% from the prior year.
Hancock Whitney earned $5.67 per diluted share (EPS) in fiscal year 2025. This represents an increase of 7.4% from the prior year.
Cash & Balance Sheet
Hancock Whitney 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 held $563.0M in cash against $199.4M in long-term debt as of fiscal year 2025.
Hancock Whitney paid $1.80 per share in dividends in fiscal year 2025. This represents an increase of 20.0% from the prior year.
Hancock Whitney had 82M shares outstanding in fiscal year 2025. This represents a decrease of 5.2% from the prior year.
Margins & Returns
Hancock Whitney'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'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.
Capital Allocation
Hancock Whitney 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 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.
HWCPZ Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $407.7M-0.3% | $409.0M+1.6% | $402.6M+1.8% | $395.3M-4.6% | $414.3M-3.5% | $429.5M+0.5% | $427.5M+1.4% | $421.7M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $125.5M-2.9% | $129.3M+2.9% | $125.6M+0.2% | $125.4M-10.9% | $140.7M-10.8% | $157.7M+0.4% | $157.1M+1.0% | $155.5M |
| Income Tax | $32.7M-0.4% | $32.9M+5.9% | $31.0M+4.6% | $29.7M+4.3% | $28.4M-4.2% | $29.7M-2.1% | $30.3M+22.6% | $24.7M |
| Net Income | $125.6M-1.5% | $127.5M+12.3% | $113.5M-5.0% | $119.5M-2.1% | $122.1M+5.6% | $115.6M+0.9% | $114.6M+5.5% | $108.6M |
| EPS (Diluted) | N/A | $1.49+12.9% | $1.32-4.3% | $1.38 | N/A | $1.33+1.5% | $1.31+5.6% | $1.24 |
HWCPZ Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $35.5B-0.8% | $35.8B+1.6% | $35.2B+1.3% | $34.8B-0.9% | $35.1B-0.4% | $35.2B-0.5% | $35.4B+0.5% | $35.2B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $563.0M+9.4% | $514.6M+0.4% | $512.5M+0.4% | $510.3M-11.2% | $574.9M+0.9% | $569.9M+13.8% | $500.8M+20.9% | $414.3M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $925.4M0.0% | $925.4M0.0% | $925.4M+8.2% | $855.5M0.0% | $855.5M0.0% | $855.5M0.0% | $855.5M0.0% | $855.5M |
| Total Liabilities | $31.0B-0.9% | $31.3B+1.4% | $30.8B+1.2% | $30.5B-1.6% | $31.0B-0.4% | $31.1B-1.4% | $31.5B+0.3% | $31.4B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $199.4M-5.3% | $210.7M0.0% | $210.6M0.0% | $210.6M0.0% | $210.5M-10.9% | $236.4M0.0% | $236.4M0.0% | $236.4M |
| Total Equity | $4.5B-0.3% | $4.5B+2.5% | $4.4B+2.0% | $4.3B+3.7% | $4.1B-1.1% | $4.2B+6.5% | $3.9B+1.7% | $3.9B |
| Retained Earnings | $3.0B+3.0% | $2.9B+3.1% | $2.9B+2.7% | $2.8B+3.0% | $2.7B+3.3% | $2.6B+3.2% | $2.5B+3.2% | $2.5B |
HWCPZ Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $153.0M-3.6% | $158.8M+26.2% | $125.8M+20.8% | $104.2M-45.6% | $191.6M+17.9% | $162.5M+54.7% | $105.0M-37.0% | $166.7M |
| Capital Expenditures | $7.1M+87.0% | $3.8M+0.3% | $3.8M-3.6% | $4.0M+44.4% | $2.7M-30.1% | $3.9M+198.7% | $1.3M-42.3% | $2.3M |
| Free Cash Flow | $145.9M-5.9% | $155.0M+27.0% | $122.0M+21.7% | $100.2M-46.9% | $188.8M+19.1% | $158.6M+52.9% | $103.7M-36.9% | $164.4M |
| Investing Cash Flow | $333.9M+161.9% | -$539.0M-34.6% | -$400.5M-237.5% | $291.2M+1241.1% | -$25.5M-109.4% | $271.4M+398.6% | -$90.9M-175.9% | $119.8M |
| Financing Cash Flow | -$438.5M-214.7% | $382.3M+38.1% | $276.8M+160.2% | -$460.0M-185.7% | -$161.0M+55.9% | -$364.8M-603.9% | $72.4M+116.7% | -$433.4M |
| Dividends Paid | $37.2M-3.0% | $38.4M-0.8% | $38.7M-2.3% | $39.6M+14.1% | $34.7M-0.2% | $34.8M-0.4% | $34.9M+31.6% | $26.5M |
| Share Buybacks | $146.6M+266.0% | $40.1M+1.6% | $39.4M+90.1% | $20.7M+163.3% | $7.9M-48.1% | $15.2M+3.9% | $14.6M | $0 |
HWCPZ Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 30.8%-0.4pp | 31.2%+3.0pp | 28.2%-2.0pp | 30.2%+0.8pp | 29.5%+2.6pp | 26.9%+0.1pp | 26.8%+1.0pp | 25.8% |
| Return on Equity | 2.8%-0.0pp | 2.9%+0.3pp | 2.6%-0.2pp | 2.8%-0.2pp | 3.0%+0.2pp | 2.8%-0.2pp | 2.9%+0.1pp | 2.8% |
| Return on Assets | 0.4%0.0pp | 0.4%+0.0pp | 0.3%-0.0pp | 0.3%-0.0pp | 0.4%+0.0pp | 0.3%0.0pp | 0.3%+0.0pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.040.0 | 0.050.0 | 0.050.0 | 0.050.0 | 0.050.0 | 0.060.0 | 0.060.0 | 0.06 |
| FCF Margin | 35.8%-2.1pp | 37.9%+7.6pp | 30.3%+4.9pp | 25.4%-20.2pp | 45.6%+8.7pp | 36.9%+12.7pp | 24.3%-14.7pp | 39.0% |
Frequently Asked Questions
What is Hancock Whitney's annual revenue?
Hancock Whitney (HWCPZ) 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's revenue growing?
Hancock Whitney (HWCPZ) revenue declined by 4.6% year-over-year, from $1.7B to $1.6B in fiscal year 2025.
Is Hancock Whitney profitable?
Yes, Hancock Whitney (HWCPZ) 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 have?
As of fiscal year 2025, Hancock Whitney (HWCPZ) had $563.0M in cash and equivalents against $199.4M in long-term debt.
What is Hancock Whitney's net profit margin?
Hancock Whitney (HWCPZ) 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 pay dividends?
Yes, Hancock Whitney (HWCPZ) paid $1.80 per share in dividends during fiscal year 2025.
What is Hancock Whitney's return on equity (ROE)?
Hancock Whitney (HWCPZ) 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's free cash flow?
Hancock Whitney (HWCPZ) 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's operating cash flow?
Hancock Whitney (HWCPZ) generated $541.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Hancock Whitney's total assets?
Hancock Whitney (HWCPZ) had $35.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Hancock Whitney's capital expenditures?
Hancock Whitney (HWCPZ) invested $18.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Hancock Whitney's debt-to-equity ratio?
Hancock Whitney (HWCPZ) 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's return on assets (ROA)?
Hancock Whitney (HWCPZ) 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's Piotroski F-Score?
Hancock Whitney (HWCPZ) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. 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 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Hancock Whitney's earnings high quality?
Hancock Whitney (HWCPZ) 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?
Hancock Whitney (HWCPZ) scores 65 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.