Hancock Whitney Corp (HWC)
NASDAQ:HWC
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Earnings Data
Report Date
Jul 21, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.56Last Year’s EPS
1.32Same Quarter Last Year
Strong Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Overall the call presented a constructive tone: profitability metrics improved (ROA, ROTCE, adjusted EPS), NIM expanded, capital ratios remain strong and management both returned capital and completed a bond restructuring that should lift future yields. Management retained guidance and expressed confidence in mid-single-digit loan growth driven by loan production and new banker hires. Offsets included modest net loan growth this quarter due to elevated prepayments and public fund deposit outflows, a one-time loss from the bond restructuring, and some uptick in nonaccruals. On balance the positive operational and capital dynamics and the maintained/optimistic guidance outweigh the near-term headwinds.Company Guidance
Improved Profitability Metrics
Adjusted ROA of 1.43%, ROTCE of 14.64%, and adjusted EPS of $1.52 (adjusted EPS >10% higher year-over-year); adjusted net income of $125 million for the quarter (vs. $126 million prior quarter before adjustments).
Net Interest Margin Expansion
NIM expanded 7 basis points to 3.55% quarter-over-quarter, driven by higher securities yields from a bond portfolio restructuring and a lower cost of funds.
Strong Capital Position and Shareholder Returns
Common equity Tier 1 ratio of 13.3% and TCE of 9.93%; returned capital via repurchase of 1.4 million shares and an 11% increase in the quarterly cash dividend to $0.50 per share; management expects continued repurchases broadly at similar levels for the year.
Bond Portfolio Restructuring Boosts Yield
Bond portfolio yield up 25 bps to 3.23% this quarter from the restructuring (contributed ~4 bps to NIM this quarter); management expects full-quarter uplift approaching 32 bps and an annual NIM benefit of ~7 bps, plus $181 million reinvested at higher yields.
Loan Production and Pipeline Momentum
Loan production of $1.2 billion (up $365 million year-over-year); average loan balances were up $250 million versus fourth quarter; management maintains mid-single-digit loan growth guidance for 2026 and expects production to accelerate in the mid/back half of the year aided by new hires.
Deposit Mix and Transaction Account Strength
DDA mix ended the quarter at a strong 36%; interest-bearing transaction and savings balances increased $261 million, and excluding public fund DDA outflows, DDAs would have been up $45 million.
Fee Income Stability and Expense Control
Net interest income increased 1% quarter-over-quarter; adjusted fee income was essentially flat (down $1 million) relative to prior quarter after adjusting for the restructuring loss; expenses rose only 1% and remain well controlled with an efficiency ratio of ~55%.
Credit Reserve and Asset Quality Trends
Allowance for credit losses remains solid at 1.43% of loans; criticized commercial loans improved for the fifth consecutive quarter, declining $13 million to $522 million; net charge-offs improved to 19 bps from 22 bps last quarter and management expects FY net charge-offs of 15–25 bps.
Recruiting and Salesforce Expansion
Added 27 net new revenue producers in Q1 (majority in business banking and concentrated in Texas), supporting management's plan to reach ~50 net new hires for 2026 and underpin future loan and deposit growth.
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 |
|---|---|---|---|
Apr 21, 2026 | $68.49 | $67.34 | -1.68% |
Jan 20, 2026 | $67.09 | $68.69 | +2.38% |
Oct 14, 2025 | $61.62 | $57.90 | -6.03% |
Jul 15, 2025 | $56.96 | $58.14 | +2.06% |
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 Corp (HWC) report earnings?
Hancock Whitney Corp (HWC) is schdueled to report earning on Jul 21, 2026, After Close (Confirmed).
What is Hancock Whitney Corp (HWC) earnings time?
Hancock Whitney Corp (HWC) earnings time is at Jul 21, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is HWC EPS forecast?
HWC EPS forecast for the fiscal quarter 2026 (Q2) is 1.56.