---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-054295"
form_type: "8-K"
ticker: "HWC"
cik: "0000750577"
company_name: "HANCOCK WHITNEY CORP"
filed_at: "2025-04-15T23:59:59+00:00"
generated_at: "2026-05-23T15:13:38.425243+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Hancock Whitney Q1 2025 EPS $1.38, NIM 3.43% up 2bps, CET1 14.51%

## Summary
- Net income $119.5M ($1.38 EPS) vs $122.1M ($1.40) prior quarter and $108.6M ($1.24) year ago.
- Loans fell $201.3M (-1% linked-quarter); deposits down $298.1M (-1%); mgmt expects low-single-digit full-year growth.
- ACL coverage 1.49% (up 2bps); criticized commercial loans decreased to $594.1M; nonaccrual loans rose to $104.2M.
- NIM (TE) 3.43%, up 2bps; efficiency ratio 55.22% vs 54.46% prior. PPNR $162.4M.
- CET1 ratio 14.51% (+37bps); TCE 10.01% (+54bps); repurchased 350K shares at avg $59.25; quarterly dividend up 50% YoY.

## SEC filing metadata
- accession: 0000950170-25-054295
- form_type: 8-K
- ticker: HWC
- cik: 0000750577
- company_name: HANCOCK WHITNEY CORP
- filed_at: 2025-04-15T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/750577/000095017025054295/0000950170-25-054295-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/750577/000095017025054295/hwc-20250415.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-054295
- JSON: https://secwatch.observer/filing/0000950170-25-054295.json
- Plain text: https://secwatch.observer/filing/0000950170-25-054295.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.