📈 Price History

Ratio Health

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📊 Sector Averages

About

Hancock Whitney Corporation operates as the financial holding company for Hancock Whitney Bank that provides traditional and online banking services to commercial, small business, and retail customers in the United States.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

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🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 4 quarters analysed

Q2 2025

Confident Specific

Management consistently used definitive language like 'another strong quarter', 'peer leading 1.95% of assets', and provided specific numeric guidance on NIM expansion (2 bps per quarter in H2), deposit cost reduction (couple bps in Q3, more in Q4), and CD repricing ($3.6B at 3.62% rolling to ~3.5%).

Q3 2025

Confident Specific

Management used strong descriptors like 'remarkably strong quarter' and provided specific metrics (ROA 1.46%, loan production +46% YoY, fee income record $106M). They openly discussed challenges (paydowns, line utilization) with quantified detail, and gave clear guidance ranges (e.g., low single-digit loan growth, 3-4% NII YoY).

Q4 2025

Confident Specific

Management used specific metrics ('8% EPS improvement', '6% PP&R growth', '12% tangible book value increase'), detailed forward guidance, and repeatedly expressed optimism ('very optimistic', 'excited for opportunities'). No defensive or evasive language detected.

Q1 2026 latest

Confident Specific

Management repeatedly uses terms like 'solid start', 'exceptional', 'remarkably strong', and provides specific metrics (ROA 1.43%, ROTCE 14.64%, EPS $1.52) with clear guidance ranges and upward biases.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis appears stronger after this call. Management delivered on NIM expansion (up 7 bps, with more expected), credit quality remained solid (criticized loans down, NCOs low), and capital returns accelerated with aggressive buybacks and a dividend hike. The key watch item is loan growth execution: Q1 was seasonally soft but management's detailed plan around new banker productivity and production pipelines provides credible support for the mid-single-digit full-year target. The flat-rate scenario is well-handled without needing to cut guidance. Next quarter, focus on whether net loan growth accelerates (especially in business banking and commercial) and whether NIM continues to expand toward the upper end of the guided range. The addition of 27 net bankers in Q1 and more planned suggests revenue momentum should build through the year.

AI-generated concall tone analysis · Updated 2026-06-08 · Not investment advice

🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →

📊 MIXED Q1 2026 adjusted EPS $1.52, NIM expands 7 bps, loan production $1.2B

Revenue & Profitability

Adjusted net income was $125 million or $1.52 EPS, up over 10% from the same quarter last year. PPNR was $173 million (1.98% of average assets). Net interest margin expanded 7 basis points to 3.55%. Loans grew $33 million (1% annualized) and deposits declined $198 million (3% annualized) due to seasonal public fund outflows.

Outlook

Management expressed cautious optimism, noting the environment remains dynamic with no Fed rate cuts now expected in 2026. They monitor macroeconomic trends, including the Middle East conflict and rising energy costs. Loan growth is expected to accelerate through the year, with mid-single-digit full-year guidance unchanged.

Growth Drivers

Key growth levers include net new banker hires (27 in Q1, 70% in business banking, mostly in Texas) and the ramp-up of prior-year hires. Commercial real estate production is ahead of plan, and healthcare, commercial finance, and business banking pipelines are strong. The bank aims for 50 net new revenue producers in 2026.

Balance Sheet & CapEx

Not discussed in this earnings call.

Margins

NIM is expected to expand 12-15 basis points from Q4 2025 to Q4 2026, with the bond restructure contributing 7 basis points. Cost of deposits dropped 10 basis points in Q1 to 1.47%, and further declines are expected from CD repricing. The efficiency ratio is about 55%, and expenses are well-controlled but may trend toward the upper end of guidance due to banker additions.

Key Risks

Risks include macroeconomic volatility, geopolitical tensions (Middle East conflict, higher oil prices), rising labor and insurance costs for clients, and the potential for loan growth to fall short if prepayments rise. Analysts also highlighted the diminishing benefit of CD repricing in a flat-rate environment.

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-21

Q2 2026 delivered strong profitability, with EPS up 13% year-over-year and broad-based loan and deposit growth. Guidance for 2026 remains robust, with the OFB acquisition set to close August 1 and cost savings expected by 2027. Capital and asset quality remain solid.

Q1 2026 Q1 2026 2026-04-21

Solid Q1 2026 results with improved profitability, NIM expansion, and strong capital. Loan growth guidance remains mid-single digits, supported by new banker hires and robust pipelines. Fee income and margin outlooks are positive, with continued capital returns and proactive risk management.

Q4 2025 Q4 2025 2026-01-20

Fourth quarter 2025 saw strong earnings, improved efficiency, and robust loan and deposit growth. 2026 guidance calls for mid-single-digit loan growth, modest NIM expansion, and continued investments in talent and technology, with capital ratios remaining strong.

Q3 2025 Q3 2025 2025-10-14

Strong Q3 results featured higher profitability, stable margins, and record fee income, with continued organic growth and disciplined expense control. Loan growth was offset by elevated paydowns, but capital ratios remain robust and expansion in Dallas is underway.

Q2 2025 Q2 2025 2025-07-15

Second quarter results showed strong profitability, NIM expansion, and robust loan growth, with fee income boosted by the Sabal Trust acquisition. Capital ratios remain solid, and guidance calls for continued modest NIM expansion, stable credit, and ongoing share repurchases.

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