HWC
Hancock Whitney Corporation65.76
-0.46-0.7%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Granular growth details, hiring confidence.
Q&A offered granular color on loan growth drivers, with new COO Shane Loper detailing $1.6B Q4 production across Texas, Louisiana, Florida, and segments like CRE, healthcare, equipment finance, HELOCs, and business banking—expecting CRE paydowns but mid-single-digit net growth via better mix. Management expressed high confidence in hiring 50 bankers (60% business, 40% commercial) through refined processes, creating a flywheel as prior cohorts ramp. Hiring flywheel revs up growth. They unpacked 12-15bps Q4-to-Q4 NIM expansion from organic balance sheet growth, bond yield gains, and CD repricing, while framing fees as conservatively guided amid annuity and specialty volatility. M&A remains opportunistic, not prioritized. Credit resilient; reserves could ease slightly. Investors watch banker execution and pricing discipline.
Key Stats
Market Cap
5.57BP/E (TTM)
11.81Basic EPS (TTM)
5.57Dividend Yield
0.03%Recent Filings
10-K
FY2025 results
Hancock Whitney posted FY2025 net income of $486M ($5.67 diluted EPS), up from $461M ($5.28) in FY2024, with net interest income (te) rising 2% to $1.12B as margin expanded 10bps to 3.47% amid falling rates; Q4 drove momentum with 2% loan growth to $24B and 2% deposit gains to $29.3B, while criticized commercial loans fell 14% y/y and nonaccrual loans held steady at 0.45%. Provision expense edged down to $51M with stable credit metrics (net charge-offs 0.22%); efficiency improved to 54.8%. Q4 accelerated deposit mix shifts toward lower-cost transaction accounts, bolstering liquidity at $18.9B versus $11.3B uninsured deposits. Credit remains resilient. Yet rising tariffs threaten Gulf South borrowers.
8-K
Dividend hiked 11.1%
8-K
Q4 EPS steady at $1.49
Hancock Whitney posted Q4 net income of $125.6 million, or $1.49 EPS, flat from Q3 but up from $122.1 million a year ago. Loans hit $24.0 billion, up 6% LQA on healthcare and ICRE strength; deposits reached $29.3 billion, up 9% LQA via seasonal public funds. NIM slipped to 3.48%; asset quality improved with criticized loans down to 2.88%. Repurchased 2.5 million shares; eyes mid-single-digit loan growth in 2026. Capital stays rock-solid.
8-K
Renews 5% share repurchase
Hancock Whitney's board authorized a new stock buyback program on December 9, 2025, allowing repurchases of up to 5% of common shares outstanding as of December 31, 2025. Effective January 1, 2026, through December 31, 2026, it replaces the prior program whose 4.3 million shares were fully exhausted in Q4 2025. Purchases hinge on market conditions. No obligation to buy.
8-K
Share buyback update, 4Q guidance
Hancock Whitney repurchased 2.1 million shares quarter-to-date at $57.33 average through November 7, leaving 443,700 shares authorized for 4Q25 completion. Updated guidance projects low single-digit loan and deposit growth, 2%-3% NII rise assuming a December rate cut, yet adjusted PPNR down 1%-2%. Balances growth bets against CRE payoffs.
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