Hancock Whitney Corporation (HWC) Earnings Call Transcripts
Hancock Whitney Corporation's Latest Earnings Call - Q1 FY2026
Hancock Whitney Corporation reported a solid first quarter for 2026, with adjusted EPS of $1.52, up from $1.49 in the prior quarter and exceeding expectations. Revenue growth was driven by a net interest margin (NIM) expansion of 7 basis points to 3.55%, attributed to a successful bond portfolio restructuring. Management maintained guidance for mid-single-digit loan growth for the fiscal year, despite a seasonal dip in loan production, indicating confidence in future performance supported by new banker hires and a strong pipeline.
Reported metrics
| Metric | Value |
|---|---|
| Adjusted EPS | $1.52 (beat) |
| Net Interest Margin | 3.55% (positive) |
| Loan Growth | $33 million (miss) |
| Deposits | $6.4 billion (miss) |
| Return on Average Assets (ROA) | 1.43% (positive) |
| Return on Tangible Common Equity (ROTCE) | 14.64% (positive) |
Guidance from management
Management maintained guidance for mid-single-digit loan growth and low single-digit deposit growth for 2026, assuming no rate cuts throughout the year.
What management said
Michael, this is Mike [indiscernible] seasonal perspective, you're right. The first quarter is usually the lowest quarter for production in terms of seasonal impacts. But again, as a reminder, as we go through the year, that production tends to pick up from a seasonal perspective. And the fourth quarter is usually our best growth quarter. So we had that momentum that was started this quarter. And certainly, the inten...
Yes. The benefit that we talked about, Catherine, related to the NIM is really coming from the 3 things I mentioned, so the loan growth, the bond portfolio contribution and the lower cost of deposits. Without any rate cuts or increases for next year, we're looking at the yield on the loan portfolio to largely remain kind of where it is right now, so in that [ 560 ] to [ 562 ] range. Certainly, we have to deal with co...
What analysts pressed on
Analysts expressed concerns about the pace of loan growth and the impact of seasonal factors on production. There were questions regarding the sustainability of fee income and the potential for credit quality deterioration due to external economic pressures.
Main topics on the call
- Loan Growth Outlook — Management reiterated guidance for mid-single-digit loan growth for 2026, despite a modest first quarter increase of $33 million. CEO John Hairston stated, "We feel like we're in a really good position to be able to leve...
- Net Interest Margin Expansion — The net interest margin increased by 7 basis points to 3.55%, driven by a reduction in the cost of deposits and higher yields from the bond portfolio restructuring. CFO Mike Achary noted, "Our NIM was up 7 basis points t...
- Capital Return Strategy — The company repurchased 1.4 million shares and increased its quarterly cash dividend by 11% to $0.50 per share. Management indicated a commitment to continue share repurchases, stating, "The intent absolutely is to exhau...
- Fee Income Performance — Fee income remained stable, with management expecting 4-5% growth for the full year. CEO Hairston highlighted strong performance in treasury and business service charges, stating, "We had one of our best months in mercha...
Read the full Hancock Whitney Corporation transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.
About Hancock Whitney Corporation
Hancock Whitney Corporation (HWC) is a publicly listed company in the Banks industry, within the Financials sector. It trades on NasdaqGS and is based in US. EarningsCalls.dev maintains a free, full-text archive of its earnings call transcripts — 29 calls on record spanning January 16, 2020 to July 21, 2026. Every transcript is split into speaker-by-speaker segments with headline metrics, free to read or available through our REST API.
Earnings Call History
EarningsCalls.dev has 29 Hancock Whitney Corporation earnings call transcripts on record, spanning January 16, 2020 to July 21, 2026. Based on this history, Hancock Whitney Corporation reports quarterly. The most recent call on file is dated July 21, 2026. The full list is below — each row opens the complete, free-to-read transcript.
- Ticker
- HWC
- Exchange
- NasdaqGS
- Country
- US
- Sector
- Financials
- Industry
- Banks
- Calls on record
- 29
- First call
- January 16, 2020
- Most recent
- July 21, 2026
- Reporting cadence
- quarterly