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Hancock Whitney Corporation (HWC)
NASDAQ:HWC
Earnings Data
Report Date
Apr 21, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.5Last Year’s EPS
1.38Same Quarter Last Year
Strong Buy
Based on 7 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a predominately positive outlook: management reported solid year-over-year improvements in EPS, PPNR and tangible book value, delivered strong loan and deposit production, completed a value-accretive bond restructuring with quantifiable NII/NIM/EPS benefits, and kept an efficient cost profile and robust capital levels while approving a new buyback plan. Lowlights included modest quarter-over-quarter stagnation in EPS/PPNR, short-term NIM pressure from lower loan yields and a one-time pretax charge of $99 million tied to the restructuring, plus reinvestment-driven expense growth and near-term funding seasonality. Overall, the positives (organic growth, fee momentum, capital strength and the bond portfolio uplift) materially outweigh the transitory and manageable negatives.Company Guidance
Year-over-Year Earnings and Profitability Improvement
EPS improved 8% year-over-year; fourth quarter earnings of $126 million ($1.49 per share) with annual PPNR growth of 6% and tangible book value per share up 12%.
Strong Core Earnings and Efficiency
PPNR for the company was $174 million in the quarter (ROAA / return on average assets for PPNR of 1.96% noted), with an efficiency ratio of 54.9% for the quarter and 54.8% for the year (down 58 bps from 2024).
Loan and Deposit Growth
Loans grew $362 million (approximately 6% annualized) in Q4 with production near $1.6 billion in the quarter; deposits increased $620 million (about 9% annualized) and DDA mix finished the quarter at 35%.
Fee Income Momentum
Fee income was $107 million in Q4 and grew in each quarter of 2025; management guides fee income up 4%–5% in 2026 driven by core deposit growth, treasury, card and wealth channels.
Bond Portfolio Restructuring Delivering Immediate Benefit
Completed bond portfolio restructuring (sold $1.5B at 2.49% and reinvested at ~4.35%); expected annualized benefit: +7 bps to NIM, +$24 million NII and roughly +$0.23 to EPS (transaction excludes a pretax charge of $99 million).
Funding Cost and Security Yield Improvements
Cost of funds fell 7 bps to 1.52%; cost of deposits down 7 bps to 1.57% for the quarter (1.53% in December); yield on the bond portfolio rose 6 bps to 2.98% due to reinvestments.
Capital Position and Share Repurchase Authorization
Despite exhausting prior buyback authority (roughly $147 million repurchased in Q4), capital remains strong with TCE just over 10% and CET1 at 13.66%; Board approved a new 5% buyback plan for 2026.
Asset Quality and Reserving
Criticized commercial loans improved (down $14 million to $535 million); nonaccrual loans declined $7 million to $107 million; loan loss reserves remain solid at 1.43% of loans and management expects net charge-offs of 15–25 bps in 2026.
Clear 2026 Guidance with Growth Targets
Guidance assumes two 25 bp Fed cuts (April and July 2026) with expectations that NII will rise 5%–6% and PPNR will increase 4.5%–5.5% in 2026; NIM modestly expands (management cites ~12–15 bps Q4'25 to Q4'26, inclusive of bond restructure).
HWC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
HWC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 20, 2026 | $67.60 | $69.21 | +2.38% |
Oct 14, 2025 | $62.09 | $58.34 | -6.04% |
Jul 15, 2025 | $57.40 | $58.58 | +2.06% |
Apr 15, 2025 | $47.60 | $47.44 | -0.34% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Hancock Whitney Corporation (HWC) report earnings?
Hancock Whitney Corporation (HWC) is schdueled to report earning on Apr 21, 2026, After Close (Confirmed).
What is Hancock Whitney Corporation (HWC) earnings time?
Hancock Whitney Corporation (HWC) earnings time is at Apr 21, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is HWC EPS forecast?
HWC EPS forecast for the fiscal quarter 2026 (Q1) is 1.5.