Hancock Whitney Corporation
hancockwhitney.comWhat Do They Do?
Provides banking and lending services, plus trust and investment management, to businesses, consumers, retirement plans and institutions.
10-K for FY2025, filed Feb 27, 2026
How Do They Make Money?
Borrowers pay interest on loans, and the bank earns interest on securities under written contracts; deposit customers pay account and transaction fees as services are used or provided. It also earns ongoing trust and portfolio-management fees, card and ATM transaction fees, and fees when it sells mortgage loans.
10-K for FY2025, filed Feb 27, 2026Interest income is recognized on an accrual basis driven by written contracts, such as loan agreements or securities contracts. Loan…View ↗
Service charges on deposit accounts include transaction-based fees for nonsufficient funds, account analysis fees, and other service…View ↗
Trust fee income represents revenue generated from asset management services provided to individuals, businesses, and institutions. The…View ↗
Bank card and ATM fees include credit card, debit card and ATM transaction revenue. The majority of this revenue is card interchange fees…View ↗
Investment and Annuity Fees and Insurance CommissionsView ↗
Secondary mortgage market operations revenue is primarily comprised of service release premiums earned on the sale of closed-end mortgage…View ↗
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10-K for FY2025, filed Feb 27, 2026
FY2025 revenue by product or service (Service charges on deposit accounts) ↗
$1.6B
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10-K for FY2025, filed Feb 27, 2026
$1.6B ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Service charges on deposit accounts
|
29%
FY2022: 32%
|
Service charges on deposit accounts, FY2025
$99.2M Sources
|
|
|
Trust fees
Recurring
|
26%
FY2022: 23%
|
Trust fees, FY2025
$89.6M Sources
|
Recurring |
|
Bank card and ATM fees
Usage-based
|
25%
FY2022: 30%
|
Bank card and ATM fees, FY2025
$86.1M Sources
|
Usage-based |
|
Investment and annuity fees and insurance commissions
|
15%
FY2022: 10%
|
Investment and annuity fees and insurance commissions, FY2025
$49.2M Sources
|
|
|
Secondary mortgage market operations
Sold outright
|
4.4%
FY2022: 4.2%
|
Secondary mortgage market operations, FY2025
$14.8M Sources
|
Sold outright |
Who Are Their Customers?
Commercial, small-business and retail customers use traditional and online banking services. Retirement plans, corporations and individuals receive trust and investment management; investment and insurance products are accessed through a third-party broker-dealer.
10-K for FY2025, filed Feb 27, 2026
Do Revenues Turn Into Profits?
Yes. It kept 30 cents of every revenue dollar as net income in FY2025 and turned 32 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 7, 2026
Open tableView ↗
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Aug 3, 2026
Completes One Florida Bank acquisition
OFB Bancshares, parent of One Florida Bank, merged into Hancock Whitney; One Florida Bank also merged into Hancock Whitney Bank.
Sources
8-K, filed Aug 3, 2026
Effective August 1, 2026, Hancock Whitney Corporation, a Mississippi corporation (“Hancock Whitney”), completed its previously announced…View ↗
Growing. Revenue grew 64% in 4 years, from $982.3M in FY2021 to $1.6B in FY2025, about 13% a year.
Expanded trust services
The earlier business included trust and investment services; Sabal later expanded the trust and asset-management operation with additional clients and leadership.
10-K for FY2022, filed Feb 27, 2023 10-K for FY2025, filed Feb 27, 2026We offer other services through bank and nonbank subsidiaries. The Bank’s subsidiaries Hancock Whitney Equipment Finance, LLC and Hancock…View ↗
Our priority is to continue to grow revenue in our existing markets with controlled expenses while providing five-star service through…View ↗
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