Whether it's through stocks, bonds, ETFs, or other types of securities, all investors love seeing their portfolios score big returns. But when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.
Cash flow can come from bond interest, interest from other types of investments, and, of course, dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its dividend yield, a metric that measures the dividend as a percent of the current stock price. Many academic studies show that dividends make up large portions of long-term returns, and in many cases, dividend contributions surpass one-third of total returns.
Headquartered in Gulfport, Hancock Whitney (HWC - Free Report) is a Finance stock that has seen a price change of 15.01% so far this year. The holding company of Whitney Bank and Hancock Bank is paying out a dividend of $0.50 per share at the moment, with a dividend yield of 2.73% compared to the Banks - Southeast industry's yield of 1.9% and the S&P 500's yield of 1.39%.
Looking at dividend growth, the company's current annualized dividend of $2.00 is up 11.1% from last year. Over the last 5 years, Hancock Whitney has increased its dividend 3 times on a year-over-year basis for an average annual increase of 11.55%. Looking ahead, future dividend growth will be dependent on earnings growth and payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. Hancock Whitney's current payout ratio is 33%, meaning it paid out 33% of its trailing 12-month EPS as dividend.
Earnings growth looks solid for HWC for this fiscal year. The Zacks Consensus Estimate for 2026 is $6.44 per share, which represents a year-over-year growth rate of 12.59%.
From greatly improving stock investing profits and reducing overall portfolio risk to providing tax advantages, investors like dividends for a variety of different reasons. It's important to keep in mind that not all companies provide a quarterly payout.
High-growth firms or tech start-ups, for example, rarely provide their shareholders a dividend, while larger, more established companies that have more secure profits are often seen as the best dividend options. Income investors have to be mindful of the fact that high-yielding stocks tend to struggle during periods of rising interest rates. With that in mind, HWC is a compelling investment opportunity. Not only is it a strong dividend play, but the stock currently sits at a Zacks Rank of #3 (Hold).
Deutsche Bank AG bought a new stake in Hancock Whitney Corporation (NASDAQ: HWC) during the undefined quarter, according to its most recent filing with the Securities and Exchange Commission (SEC). The institutional investor bought 116,237 shares of the company's stock, valued at approximately $8,685,000. Deutsche Bank AG owned about 0.14% of Hancock Whitney
Emerald Investment Advisers LLC acquired a new stake in Hancock Whitney Corporation (NASDAQ:HWC – Free Report) in the 2nd quarter, according to its most recent filing with the SEC. The fund acquired 41,286 shares of the company’s stock, valued at approximately $3,085,000. Emerald Investment Advisers LLC owned 0.05% of Hancock Whitney as of its most recent filing with the SEC.
Other large investors have also bought and sold shares of the company. Amundi bought a new stake in Hancock Whitney in the 1st quarter valued at $50,000. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. increased its holdings in Hancock Whitney by 4.6% during the 1st quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 51,664 shares of the company’s stock worth $2,710,000 after purchasing an additional 2,255 shares in the last quarter. NewEdge Advisors LLC increased its holdings in Hancock Whitney by 22.9% during the 1st quarter. NewEdge Advisors LLC now owns 3,755 shares of the company’s stock worth $197,000 after purchasing an additional 700 shares in the last quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC raised its stake in shares of Hancock Whitney by 4.2% in the 1st quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC now owns 287,471 shares of the company’s stock valued at $15,078,000 after purchasing an additional 11,551 shares during the period. Finally, Jane Street Group LLC raised its stake in shares of Hancock Whitney by 951.9% in the 1st quarter. Jane Street Group LLC now owns 123,812 shares of the company’s stock valued at $6,494,000 after purchasing an additional 112,042 shares during the period. 81.22% of the stock is owned by institutional investors.
Insider Buying and Selling In other Hancock Whitney news, insider Emory L. Mayfield, Jr. sold 4,990 shares of the firm’s stock in a transaction that occurred on Thursday, August 20th. The stock was sold at an average price of $76.40, for a total value of $381,236.00. Following the completion of the transaction, the insider directly owned 15,565 shares in the company, valued at $1,189,166. This trade represents a 24.28% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available through this link. Also, CFO Michael M. Achary sold 22,694 shares of the business’s stock in a transaction that occurred on Friday, July 24th. The stock was sold at an average price of $76.18, for a total value of $1,728,828.92. Following the transaction, the chief financial officer directly owned 44,160 shares in the company, valued at $3,364,108.80. This trade represents a 33.95% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. 0.92% of the stock is owned by company insiders.
Wall Street Analyst Weigh In HWC has been the subject of a number of research reports. Keefe, Bruyette & Woods increased their price objective on Hancock Whitney from $78.00 to $80.00 and gave the stock a “market perform” rating in a report on Wednesday, July 22nd. Benchmark boosted their target price on Hancock Whitney from $84.00 to $91.00 and gave the company a “buy” rating in a research note on Wednesday, July 22nd. Zacks Research downgraded Hancock Whitney from a “strong-buy” rating to a “hold” rating in a research report on Wednesday, July 29th. DA Davidson raised their price target on shares of Hancock Whitney from $79.00 to $86.00 and gave the stock a “buy” rating in a research note on Monday, May 18th. Finally, Wall Street Zen raised shares of Hancock Whitney from a “sell” rating to a “hold” rating in a research note on Saturday, August 15th. One investment analyst has rated the stock with a Strong Buy rating, six have given a Buy rating and four have issued a Hold rating to the stock. According to data from MarketBeat, the stock has a consensus rating of “Moderate Buy” and a consensus target price of $83.78. Check Out Our Latest Analysis on HWC
Hancock Whitney Trading Down 0.4% Hancock Whitney stock opened at $75.38 on Friday. The firm has a 50-day moving average of $75.69 and a 200-day moving average of $70.15. Hancock Whitney Corporation has a one year low of $54.05 and a one year high of $80.13. The company has a debt-to-equity ratio of 0.04, a current ratio of 0.82 and a quick ratio of 0.82. The company has a market cap of $6.05 billion, a price-to-earnings ratio of 14.78 and a beta of 0.95.
Hancock Whitney (NASDAQ:HWC – Get Free Report) last announced its quarterly earnings data on Tuesday, July 21st. The company reported $1.55 earnings per share for the quarter, meeting the consensus estimate of $1.55. The company had revenue of $403.57 million during the quarter, compared to analysts’ expectations of $398.89 million. Hancock Whitney had a return on equity of 11.36% and a net margin of 21.81%.Hancock Whitney’s revenue for the quarter was up 6.9% compared to the same quarter last year. During the same quarter last year, the company earned $1.37 EPS. On average, equities analysts expect that Hancock Whitney Corporation will post 6.44 earnings per share for the current fiscal year.
Hancock Whitney Announces Dividend The business also recently declared a quarterly dividend, which will be paid on Tuesday, September 15th. Investors of record on Friday, September 4th will be given a dividend of $0.50 per share. The ex-dividend date of this dividend is Friday, September 4th. This represents a $2.00 annualized dividend and a yield of 2.7%. Hancock Whitney’s dividend payout ratio is 39.22%.
Hancock Whitney Company Profile (Free Report)
Hancock Whitney Corporation (NASDAQ: HWC) is a regional financial services company headquartered in Gulfport, Mississippi. The firm was established in April 2019 through the merger of Hancock Holding Company and Whitney Holding Corporation, each of which traced its roots to the late 19th century. This combination created one of the largest bank holding companies in the Gulf South region, with a network of branches serving both urban and rural communities.
The company’s core business activities include commercial banking, retail banking and wealth management services.
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A month has gone by since the last earnings report for Hancock Whitney (HWC - Free Report) . Shares have lost about 0.4% in that time frame, underperforming the S&P 500.
Will the recent negative trend continue leading up to its next earnings release, or is Hancock Whitney due for a breakout? Before we dive into how investors and analysts have reacted as of late, let's take a quick look at its most recent earnings report in order to get a better handle on the important catalysts.
Hancock Whitney’s Q2 Earnings Match as Higher NII, Fee Income Offset Cost WoesHancock Whitney’s second-quarter 2026 earnings per share of $1.55 matched the Zacks Consensus Estimate. The bottom line rose 17.4% from the prior-year quarter.
Results were supported by higher NII and non-interest income, along with a decline in provisions. Also, a sequential increase in loans and deposit balances was positive. However, higher expenses were the undermining factor.
Net income available to common shareholders was $127 million, up 11.8% from the prior-year quarter. Our estimate for the metric was $124.6 million.
Revenues Improve, Expenses RiseQuarterly total revenues were $401.4 million, which surpassed the Zacks Consensus Estimate of $396.4 million. The top line also increased 6.9% year over year.
NII (on a tax-equivalent basis) increased 5.6% year over year to $295.2 million. NIM was 3.56%, which expanded seven basis points (bps). Our estimates for NII and NIM were $291.2 million and 3.57%, respectively.
Non-interest income was $108.4 million, up 10% year over year. The rise was driven by an increase in service charges on deposit accounts, trust fees, bank card and ATM fees, and investment and annuity fees and insurance commissions. We had projected non-interest income of $107.1 million.
Total non-interest expenses (GAAP) increased 4.4% to $225.4 million. We had projected expenses of $227.1 million.
The efficiency ratio increased to 55.31% from 54.91% in the year-ago quarter. An increase in the efficiency ratio indicates a deterioration in profitability.
Loans & Deposits Rise SequentiallyAs of June 30, 2026, total loans were $24.6 billion, up 2.5% from the prior quarter. Total deposits were $29.6 billion, up 1.9% from the previous quarter. Our estimates for total loans and deposits were $24.5 billion and $29.2 billion, respectively.
Credit Quality ImprovesThe provision for credit losses was $13.8 million, down 7.7% from the prior-year quarter. Our estimate for provisions was $11.4 million.
NCOs (annualized) were 0.16% of average total loans, down 15 bps from the prior-year quarter.
Capital Ratios Decline, Profitability Ratios IncreaseAs of June 30, 2026, the Tier 1 leverage ratio was 10.87%, down from 11.35% at the end of the year-ago quarter. The common equity Tier 1 ratio was 13.18%, down from 13.97% as of June 30, 2025.
At the end of the second quarter of 2026, the return on average assets was 1.42%, up from 1.32% in the year-ago period. The return on average common equity was 11.52%, up from 10.63% in the prior-year quarter.
Share Repurchase UpdateIn the reported quarter, Hancock Whitney repurchased 712,966 shares at an average price of $68.28 per share.
2026 Outlook (Includes the impact of the OFB Deal)Management expects period-end loans to be up low-double-digits. Deposit balances are anticipated to be up in the low double-digit range.
NII (TE) is projected to increase 8-9% year over year. Further, flat to modest NIM expansion is expected in the second half of 2026 (assuming no rate cuts).
Adjusted pre-provision net revenues (PPNR) are expected to rise 7-8% from 2025.
Adjusted non-interest income is expected to increase 6-7%.
Adjusted non-interest expenses are expected to rise 7.5-8.5% from 2025.
Management expects to maintain an efficiency ratio below 55%.
The company expects an effective tax rate of 21-21.5%.
NCOs to average loans are expected to be in the 15-25 bps range.
Corporate Strategic Objectives (To be achieved by the fourth quarter of 2028)Management expects adjusted return on assets to be greater than or equal to 1.50%.
The tangible common equity is expected between 9-9.5%.
The adjusted return on tangible common equity is expected to be more than or equal to 15%.
Management aims for the efficiency ratio to be less than or equal to 55%.
How Have Estimates Been Moving Since Then?It turns out, estimates revision have trended downward during the past month.
VGM ScoresCurrently, Hancock Whitney has a poor Growth Score of F, a grade with the same score on the momentum front. However, the stock was allocated a score of C on the value side, putting it in the middle 20% for value investors.
Overall, the stock has an aggregate VGM Score of F. If you aren't focused on one strategy, this score is the one you should be interested in.
OutlookEstimates have been broadly trending downward for the stock, and the magnitude of these revisions looks promising. Interestingly, Hancock Whitney has a Zacks Rank #3 (Hold). We expect an in-line return from the stock in the next few months.
Whether it's through stocks, bonds, ETFs, or other types of securities, all investors love seeing their portfolios score big returns. But when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.
While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its dividend yield, a metric that measures the dividend as a percent of the current stock price. Many academic studies show that dividends account for significant portions of long-term returns, with dividend contributions exceeding one-third of total returns in many cases.
Based in Gulfport, Hancock Whitney (HWC - Free Report) is in the Finance sector, and so far this year, shares have seen a price change of 25.28%. The holding company of Whitney Bank and Hancock Bank is paying out a dividend of $0.50 per share at the moment, with a dividend yield of 2.51% compared to the Banks - Southeast industry's yield of 1.86% and the S&P 500's yield of 1.33%.
Looking at dividend growth, the company's current annualized dividend of $2.00 is up 11.1% from last year. Over the last 5 years, Hancock Whitney has increased its dividend 3 times on a year-over-year basis for an average annual increase of 11.55%. Looking ahead, future dividend growth will be dependent on earnings growth and payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. Hancock Whitney's current payout ratio is 33%, meaning it paid out 33% of its trailing 12-month EPS as dividend.
HWC is expecting earnings to expand this fiscal year as well. The Zacks Consensus Estimate for 2026 is $6.44 per share, representing a year-over-year earnings growth rate of 12.59%.
Investors like dividends for a variety of different reasons, from tax advantages and decreasing overall portfolio risk to considerably improving stock investing profits. But, not every company offers a quarterly payout.
High-growth firms or tech start-ups, for example, rarely provide their shareholders a dividend, while larger, more established companies that have more secure profits are often seen as the best dividend options. During periods of rising interest rates, income investors must be mindful that high-yielding stocks tend to struggle. With that in mind, HWC is a compelling investment opportunity. Not only is it a strong dividend play, but the stock currently sits at a Zacks Rank of #3 (Hold).
Key Takeaways UMB Financial hit a new high as loan, deposit and fee-income growth support its expansion.Hancock Whitney's growth strategy targets Florida and Texas while supporting modest NIM expansion.East West Bancorp raised its 2026 NII growth outlook to 7-9% amid robust loan growth. Investors often view a fresh 52-week high as a sign of strong price momentum. When a stock reaches a new yearly peak, it can indicate sustained investor confidence and attract additional market participants looking to capitalize on the upward trend.
U.S. bank stocks have been gaining momentum amid an increasingly supportive macroeconomic backdrop, helping UMB Financial Corporation (UMBF - Free Report) , Hancock Whitney Corporation (HWC - Free Report) and East West Bancorp, Inc. (EWBC - Free Report) hit fresh 52-week highs on Friday.
What Cheered Investors?The rally reflects a combination of company-specific strength and improving sentiment toward the broader economy. Recent inflation data have offered some reassurance on the price front. The Consumer Price Index rose just 0.1% in July, whereas annual inflation moderated to 3.4% from 3.5% in June. The easing in underlying inflationary pressures has helped temper concerns about another near-term rate hike.
Meanwhile, the broader economy continues to expand. The U.S. real GDP grew at an annualized rate of 1.5% in the second quarter of 2026, following 2.1% growth in the first quarter, with consumer spending and investment contributing to the expansion. Continued economic growth is generally conducive to healthy loan demand and credit performance, providing another supportive backdrop for lenders.
At its July meeting, the Federal Reserve kept the interest rate steady at 3.50-3.75%, noting that economic activity continued to expand at a solid pace even as inflation remained above its 2% objective. Against this backdrop, moderating inflation, coupled with continued economic growth, has strengthened expectations that policymakers can afford to keep rates steady rather than tighten monetary policy further.
Despite the softer inflation data, longer-term Treasury yields remain elevated. This, alongside relatively stable short-term policy rates, can support asset yields and provide opportunities for banks to improve spreads as funding costs stabilize or reprice more slowly. This, in turn, could offer support to net interest income (NIM) and margins, although the impacts will vary depending on individual banks' balance-sheet and deposit mixes. Together, easing underlying inflation, a steady Fed policy stance, elevated longer-term rates and continued economic expansion have helped improve investor sentiment toward the banking sector.
Against such a constructive industry backdrop, banks like UMBF, HWC and EWBC are worth keeping on the radar. Each of the three stocks has gained more than 30% over the past year.
Price Performance
Image Source: Zacks Investment Research
With these stocks trading at fresh 52-week highs, the key question is whether they still have room to run. Let us take a closer look at their fundamentals and growth prospects.
UMBF, HWC & EWBC in FocusUMBF Financial provides banking services and asset servicing in the United States. Its banking subsidiary — UMB Bank, National Association — offers banking, asset management, trust, credit card and cash-management services to commercial, retail, government and correspondent-bank customers.
The company continues to benefit from revenue strength, aided by rising loan and deposit balances, along with diversified fee income. In January 2025, the Heartland Financial USA acquisition added $9.8 billion in loans and $14.3 billion in deposits. Management noted that loan and deposit pipelines remain broad-based across markets, which, along with continued realization of integration synergies, is expected to support balance sheet growth going forward. Stabilizing funding costs and healthy loan demand are expected to support net interest income expansion.
UMB Financial has been shifting its business mix toward fee-based revenues to reduce its dependence on spread income. Management noted that pipelines remain active across fund services, corporate trust and private wealth, which is expected to support continued growth in fee-based income.
UMBF enjoys a solid liquidity position. Its cash and interest-bearing due from banks is $6.4 billion and debt (comprising short-term and long-term debt) is $4.1 billion.
At present, UMBF Financial carries a Zacks Rank of 3 (Hold). The Zacks Consensus Estimate for earnings indicates growth of 16.4% and 4.6% for 2026 and 2027, respectively. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Earnings Estimates
Image Source: Zacks Investment Research
UMBF hit a 52-week high, touching $152.48 before closing the session at $152.04 on Friday.
Hancock Whitney is a bank and financial holding company. It operates through 182 full-service bank branches and 226 automated teller machines across Mississippi, Alabama, Louisiana, Florida and Texas.
HWC remains focused on a multi-year strategy that combines organic investment with targeted acquisitions. The company’s organic plan includes adding revenue-generating associates (already hired 42 net new bankers in the first half of 2026 against a full-year goal of 50) and expanding in Florida and Texas. In May, the company agreed to acquire OFB Bancshares, Inc., broadening its presence in Orlando, Jacksonville and the Florida Panhandle. Hancock Whitney plans to combine OFB’s local relationships with its broader platform and expanded private banking and fee-income capabilities, supported by the 2025 Sabal Trust acquisition. These initiatives should support sustained revenue growth and deepen full-relationship banking across higher-growth markets.
Higher securities yields, asset repricing and the acquired deposit base should help the company’s NIM, although the benefit from lower rates on maturing certificates of deposit is expected to diminish. Assuming a flat-rate environment, management expects modest NIM expansion in the second half of 2026.
HWC maintains a decent liquidity profile. As of June 30, 2026, Hancock Whitney had total debt of $1.76 billion (most of which consisted of short-term borrowings). At the end of the second quarter of 2026, the company had $29.6 billion in deposits, with non-interest-bearing balances representing 35% of the total deposits, while brokered deposits were at zero.
At present, HWC carries a Zacks Rank of 3. The Zacks Consensus Estimate for earnings indicates growth of 12.6% and 12.3% for 2026 and 2027, respectively.
Earnings Estimates
Image Source: Zacks Investment Research
Hancock Whitney hit a 52-week high, touching $80.13 before closing the session at $79.78 on Friday.
East West Bancorp is the bank holding company for East West Bank. Incorporated in 1998, the company serves as a financial bridge between the United States and China by providing various consumer and commercial banking services to the Asian-American community.
East West Bancorp is focused on its organic growth strategy. Supported by continued loan growth and deposit repricing, the company’s NII is expected to continue to improve. Down-rate protection hedge programs, rising interest-earning assets and a continued focus on acquiring low-cost deposits are expected to offer support. Robust loan growth and hedge programs are expected to aid East West Bancorp’s revenues. Assuming flat rates, management has raised its NII outlook to 7-9% year-over-year growth in 2026 (up from the prior stated 6-8% rally). The company expects period-end loans to increase 6-8% this year.
East West Bancorp’s non-interest income has been consistently improving over the past few years. As management expects steady growth in deposits and loans through sustained client acquisition, the company’s fee income is likely to get a boost via deposit account fees and lending fees.
The company has a solid balance sheet position. As of June 30, 2026, it had total debt (comprising Federal Home Loan Bank advances and long-term debt and finance lease liabilities) of $3.03 billion, while cash and cash equivalents were $5.10 billion.
At present, EWBC carries a Zacks Rank of 3. The Zacks Consensus Estimate for earnings indicates growth of 11.8% and 6.5% for 2026 and 2027, respectively.
Earnings Estimates
Image Source: Zacks Investment Research
EWBC hit a 52-week high, touching $137.31 before closing the session at $136.60 on Friday.
Alberta Investment Management Corp acquired a new stake in shares of Hancock Whitney Corporation (NASDAQ: HWC) during the second quarter, according to its most recent disclosure with the Securities and Exchange Commission. The fund acquired 240,800 shares of the company's stock, valued at approximately $17,993,000. Alberta Investment Management Corp owned approximately 0.30% of
Key Takeaways Hancock Whitney completed the $377.6 million OFB Bancshares acquisition, expanding its Florida footprint.HWC adds $1.7 billion in loans and $1.8 billion in deposits, strengthening its regional presence.Hancock Whitney expects earnings accretion, cost savings, and operational benefits from the integration. Hancock Whitney Corporation (HWC - Free Report) completed its previously announced acquisition of OFB Bancshares, Inc., the parent company of One Florida Bank, in an all-cash transaction valued at $377.6 million. It strengthens the company’s presence in Orlando, Jacksonville and the Florida Panhandle.
One Florida Bank adds approximately $1.7 billion in loans and $1.8 billion in deposits. Florida deposits will be 21% of total deposits on a pro forma basis. Hancock Whitney expects to complete the systems conversion in the fourth quarter of 2026, marking the final stage of integrating One Florida Bank into its operations.
Management noted that projected revenue synergies were not included in the transaction model, indicating additional upside potential as Hancock Whitney integrates One Florida Bank into its broader banking platform. The company expects to leverage One Florida Bank's local relationships alongside its commercial banking, private banking, and wealth management capabilities to drive loan growth and expand fee income opportunities over time.
Management expects the acquisition to complement its strong operating outlook for 2026. Period-end loans and deposits are projected to grow in the low double-digit range. Tax-equivalent net interest income is expected to increase 8-9% year over year, while net interest margin is anticipated to remain flat to modestly higher in the second half of 2026, assuming no rate cuts. Additionally, adjusted non-interest income is forecast to rise 6-7%, reflecting continued business momentum. Reflecting this momentum, the Zacks Consensus Estimate for sales suggests an increase of 1.7% for 2026 and 14.5% for 2027.
Image Source: Zacks Investment Research
The acquisition is expected to be immediately accretive to Hancock Whitney's earnings, with management projecting high-single-digit earnings growth. Also, the company expects approximately $15.8 million in annual cost savings, while one-time merger-related charges are expected to be $30 million. The Zacks Consensus Estimate for HWC’s 2026 and 2027 earnings reflects the deal benefits. Earnings are projected to grow at the rate of 12.8% and 12.2% for 2026 and 2027, respectively.
Image Source: Zacks Investment Research
Further, the transaction resulted in a Common Equity Tier 1 (CET1) ratio of 11.4% at closing. The transaction also met or exceeded Hancock Whitney's minimum return thresholds for IRR and ROIC, highlighting its attractive financial profile.
As per Hancock Whitney’s corporate strategic objectives (to be achieved by the fourth quarter of 2028), adjusted return on assets (ROA) is expected to be greater than or equal to 1.50% and adjusted return on tangible common equity (ROTCE) is expected to be more than or equal to 15%. At the end of the second quarter of 2026, ROA was 1.42%, and ROTCE was 14.84%.
Therefore, HWC is expected to realize operational efficiencies and financial benefits from the acquisition, which will further strengthen its position in one of the fastest-growing markets in the Southeast.
HWC’s Price PerformanceOver the past year, shares of HWC have gained 33.8%, significantly outperforming the industry's 19.1% increase.
Image Source: Zacks Investment Research
At present, Hancock Whitney carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Business Restructuring Steps Taken by Other Financial FirmsOn Aug. 3, HSBC Holdings plc (HSBC - Free Report) announced the sale of its retail banking businesses in Egypt and Australia as part of its broader simplification and restructuring strategy.
The transactions reflect the bank's focus on streamlining operations, exiting businesses where it lacks sufficient scale, redeploying capital to higher-return opportunities, and strengthening its core corporate and institutional banking, wealth management, and wholesale banking franchises. The moves are expected to support HSBC's target of delivering approximately $1.5 billion in annualized cost savings and achieving at least a 17% return on average tangible equity by 2028.
In the month of July, State Street Corporation (STT - Free Report) agreed to acquire Santander CACEIS Latam Securities Services, a joint venture owned by Santander Group and CACEIS.
The transaction supports STT's long-term growth strategy of expanding its global investment servicing platform, increasing its footprint in key Latin American markets, and enhancing its custody, fund administration, and foreign exchange capabilities for institutional clients.
Getting big returns from financial portfolios, whether through stocks, bonds, ETFs, other securities, or a combination of all, is an investor's dream. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.
While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its dividend yield, a metric that measures the dividend as a percent of the current stock price. Many academic studies show that dividends make up large portions of long-term returns, and in many cases, dividend contributions surpass one-third of total returns.
Hancock Whitney (HWC - Free Report) is headquartered in Gulfport, and is in the Finance sector. The stock has seen a price change of 19.8% since the start of the year. The holding company of Whitney Bank and Hancock Bank is paying out a dividend of $0.50 per share at the moment, with a dividend yield of 2.62% compared to the Banks - Southeast industry's yield of 1.89% and the S&P 500's yield of 1.33%.
Looking at dividend growth, the company's current annualized dividend of $2.00 is up 11.1% from last year. Over the last 5 years, Hancock Whitney has increased its dividend 3 times on a year-over-year basis for an average annual increase of 11.55%. Looking ahead, future dividend growth will be dependent on earnings growth and payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. Hancock Whitney's current payout ratio is 33%, meaning it paid out 33% of its trailing 12-month EPS as dividend.
Earnings growth looks solid for HWC for this fiscal year. The Zacks Consensus Estimate for 2026 is $6.45 per share, representing a year-over-year earnings growth rate of 12.76%.
Investors like dividends for many reasons; they greatly improve stock investing profits, decrease overall portfolio risk, and carry tax advantages, among others. It's important to keep in mind that not all companies provide a quarterly payout.
For instance, it's a rare occurrence when a tech start-up or big growth business offers its shareholders a dividend. It's more common to see larger companies with more established profits give out dividends. Income investors must be conscious of the fact that high-yielding stocks tend to struggle during periods of rising interest rates. With that in mind, HWC is a compelling investment opportunity. Not only is it a strong dividend play, but the stock currently sits at a Zacks Rank of #3 (Hold).
Bank of New York Mellon Corp trimmed its position in Hancock Whitney Corporation (NASDAQ:HWC – Free Report) by 2.7% in the 1st quarter, according to its most recent 13F filing with the Securities and Exchange Commission. The institutional investor owned 764,395 shares of the company’s stock after selling 21,044 shares during the quarter. Bank of New York Mellon Corp owned about 0.94% of Hancock Whitney worth $48,608,000 at the end of the most recent quarter.
Several other institutional investors and hedge funds have also recently modified their holdings of HWC. Torren Management LLC purchased a new position in shares of Hancock Whitney during the 4th quarter valued at $32,000. Hilton Head Capital Partners LLC bought a new stake in Hancock Whitney during the 4th quarter valued at approximately $35,000. Root Financial Partners LLC grew its holdings in Hancock Whitney by 70.9% during the 1st quarter. Root Financial Partners LLC now owns 612 shares of the company’s stock valued at $39,000 after buying an additional 254 shares in the last quarter. IFP Advisors Inc raised its position in shares of Hancock Whitney by 67.6% during the third quarter. IFP Advisors Inc now owns 627 shares of the company’s stock valued at $39,000 after buying an additional 253 shares during the last quarter. Finally, Eurizon Capital SGR S.p.A. bought a new stake in shares of Hancock Whitney during the fourth quarter valued at approximately $40,000. 81.22% of the stock is currently owned by institutional investors.
Insider Activity In other news, Director Christine L. Pickering sold 417 shares of the stock in a transaction on Friday, May 22nd. The stock was sold at an average price of $67.16, for a total transaction of $28,005.72. Following the transaction, the director owned 25,066 shares of the company’s stock, valued at approximately $1,683,432.56. This represents a 1.64% decrease in their position. The transaction was disclosed in a filing with the Securities & Exchange Commission, which can be accessed through this link. Insiders own 0.92% of the company’s stock.
Analyst Upgrades and Downgrades HWC has been the topic of a number of research reports. Keefe, Bruyette & Woods lifted their price target on shares of Hancock Whitney from $78.00 to $80.00 and gave the company a “market perform” rating in a report on Wednesday. Hovde Group downgraded Hancock Whitney from an “outperform” rating to a “market perform” rating and set a $74.00 target price on the stock. in a research report on Friday, June 12th. DA Davidson upped their price objective on Hancock Whitney from $79.00 to $86.00 and gave the stock a “buy” rating in a report on Monday, May 18th. Stephens lowered their target price on Hancock Whitney from $86.00 to $85.00 and set an “overweight” rating for the company in a research report on Wednesday. Finally, Piper Sandler reissued an “overweight” rating and issued a $87.00 target price on shares of Hancock Whitney in a report on Wednesday. Two investment analysts have rated the stock with a Strong Buy rating, six have issued a Buy rating and three have given a Hold rating to the stock. Based on data from MarketBeat.com, the stock presently has an average rating of “Moderate Buy” and an average price target of $83.56.
View Our Latest Analysis on Hancock Whitney
Hancock Whitney Price Performance Hancock Whitney stock opened at $76.20 on Friday. The company has a debt-to-equity ratio of 0.04, a current ratio of 0.80 and a quick ratio of 0.81. The stock has a market cap of $6.18 billion, a price-to-earnings ratio of 14.94 and a beta of 0.95. The firm has a 50-day moving average of $72.04 and a two-hundred day moving average of $68.79. Hancock Whitney Corporation has a 1 year low of $54.05 and a 1 year high of $79.36.
Hancock Whitney (NASDAQ:HWC – Get Free Report) last posted its quarterly earnings results on Tuesday, July 21st. The company reported $1.55 earnings per share for the quarter, meeting the consensus estimate of $1.55. The firm had revenue of $403.57 million during the quarter, compared to the consensus estimate of $398.89 million. Hancock Whitney had a net margin of 21.81% and a return on equity of 11.36%. The company’s revenue was up 6.9% on a year-over-year basis. During the same quarter in the previous year, the firm posted $1.37 earnings per share. On average, research analysts forecast that Hancock Whitney Corporation will post 6.47 earnings per share for the current year.
Hancock Whitney Dividend Announcement The company also recently announced a quarterly dividend, which was paid on Monday, June 15th. Shareholders of record on Friday, June 5th were issued a $0.50 dividend. This represents a $2.00 annualized dividend and a dividend yield of 2.6%. The ex-dividend date was Friday, June 5th. Hancock Whitney’s dividend payout ratio is currently 41.07%.
About Hancock Whitney (Free Report)
Hancock Whitney Corporation (NASDAQ: HWC) is a regional financial services company headquartered in Gulfport, Mississippi. The firm was established in April 2019 through the merger of Hancock Holding Company and Whitney Holding Corporation, each of which traced its roots to the late 19th century. This combination created one of the largest bank holding companies in the Gulf South region, with a network of branches serving both urban and rural communities.
The company’s core business activities include commercial banking, retail banking and wealth management services.
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Dimensional Fund Advisors LP boosted its stake in Hancock Whitney Corporation (NASDAQ:HWC – Free Report) by 0.5% during the 1st quarter, according to its most recent 13F filing with the Securities & Exchange Commission. The firm owned 4,790,954 shares of the company’s stock after acquiring an additional 21,655 shares during the period. Dimensional Fund Advisors LP owned 5.88% of Hancock Whitney worth $304,652,000 as of its most recent SEC filing.
Other institutional investors and hedge funds have also recently added to or reduced their stakes in the company. Channing Capital Management LLC purchased a new position in Hancock Whitney during the fourth quarter worth about $80,246,000. Norges Bank acquired a new position in Hancock Whitney during the 4th quarter worth approximately $57,463,000. Northwestern Mutual Wealth Management Co. increased its position in Hancock Whitney by 18,614.2% during the 4th quarter. Northwestern Mutual Wealth Management Co. now owns 535,039 shares of the company’s stock worth $34,071,000 after purchasing an additional 532,180 shares during the period. UBS Group AG raised its stake in shares of Hancock Whitney by 134.3% during the 3rd quarter. UBS Group AG now owns 909,460 shares of the company’s stock worth $56,941,000 after buying an additional 521,261 shares in the last quarter. Finally, Fort Washington Investment Advisors Inc. OH purchased a new position in shares of Hancock Whitney during the 1st quarter worth approximately $23,071,000. 81.22% of the stock is owned by hedge funds and other institutional investors.
Analyst Ratings Changes A number of research firms have commented on HWC. Hovde Group downgraded Hancock Whitney from an “outperform” rating to a “market perform” rating and set a $74.00 target price for the company. in a report on Friday, June 12th. Raymond James Financial reiterated a “strong-buy” rating and issued a $87.00 price target on shares of Hancock Whitney in a report on Wednesday. Stephens reduced their price objective on shares of Hancock Whitney from $86.00 to $85.00 and set an “overweight” rating for the company in a research note on Wednesday. Zacks Research raised shares of Hancock Whitney from a “hold” rating to a “strong-buy” rating in a report on Tuesday, June 30th. Finally, Weiss Ratings lowered shares of Hancock Whitney from a “buy (b)” rating to a “hold (c+)” rating in a research report on Monday, May 11th. Two analysts have rated the stock with a Strong Buy rating, six have issued a Buy rating and three have issued a Hold rating to the company’s stock. According to MarketBeat, Hancock Whitney currently has an average rating of “Moderate Buy” and an average price target of $83.56.
Get Our Latest Stock Analysis on HWC
Insider Buying and Selling In other Hancock Whitney news, Director Christine L. Pickering sold 417 shares of the firm’s stock in a transaction on Friday, May 22nd. The stock was sold at an average price of $67.16, for a total transaction of $28,005.72. Following the completion of the transaction, the director owned 25,066 shares of the company’s stock, valued at approximately $1,683,432.56. This trade represents a 1.64% decrease in their ownership of the stock. The transaction was disclosed in a filing with the SEC, which is accessible through this link. Company insiders own 0.92% of the company’s stock.
Hancock Whitney Trading Down 0.3% Shares of HWC stock opened at $76.40 on Thursday. The stock has a market cap of $6.20 billion, a P/E ratio of 14.98 and a beta of 0.95. The company has a quick ratio of 0.81, a current ratio of 0.81 and a debt-to-equity ratio of 0.04. Hancock Whitney Corporation has a fifty-two week low of $54.05 and a fifty-two week high of $79.36. The business has a fifty day simple moving average of $71.60 and a 200-day simple moving average of $68.66.
Hancock Whitney (NASDAQ:HWC – Get Free Report) last released its quarterly earnings data on Tuesday, July 21st. The company reported $1.55 EPS for the quarter, hitting the consensus estimate of $1.55. Hancock Whitney had a net margin of 21.81% and a return on equity of 11.35%. The business had revenue of $403.57 million for the quarter, compared to analyst estimates of $398.89 million. During the same period in the previous year, the firm earned $1.37 EPS. The business’s revenue for the quarter was up 6.9% compared to the same quarter last year. On average, analysts forecast that Hancock Whitney Corporation will post 6.47 earnings per share for the current fiscal year.
Hancock Whitney Announces Dividend The business also recently announced a quarterly dividend, which was paid on Monday, June 15th. Shareholders of record on Friday, June 5th were issued a dividend of $0.50 per share. This represents a $2.00 dividend on an annualized basis and a yield of 2.6%. The ex-dividend date was Friday, June 5th. Hancock Whitney’s dividend payout ratio is 41.07%.
More Hancock Whitney News Here are the key news stories impacting Hancock Whitney this week:
Positive Sentiment: Hancock Whitney reported Q2 earnings of $1.55 per share, matching estimates, while revenue of about $403.6 million topped expectations, helped by stronger net interest income, fee income, lower provisions, and loan growth. Article title Positive Sentiment: Management’s earnings call and presentation highlighted strong EPS growth, which may reinforce confidence in the bank’s operating momentum. Article title Positive Sentiment: Hancock Whitney received regulatory approval for its OFB acquisition, a potential strategic catalyst that could expand its footprint and earnings base over time. Article title Neutral Sentiment: Keefe, Bruyette & Woods raised its price target to $80 from $78 but kept a “market perform” rating, signaling limited near-term upside despite the higher valuation view. Article title Neutral Sentiment: Stephens trimmed its price target to $85 from $86 while maintaining an “overweight” rating, suggesting analysts remain constructive overall even as they adjust expectations. Article title Hancock Whitney Profile (Free Report)
Hancock Whitney Corporation (NASDAQ: HWC) is a regional financial services company headquartered in Gulfport, Mississippi. The firm was established in April 2019 through the merger of Hancock Holding Company and Whitney Holding Corporation, each of which traced its roots to the late 19th century. This combination created one of the largest bank holding companies in the Gulf South region, with a network of branches serving both urban and rural communities.
The company’s core business activities include commercial banking, retail banking and wealth management services.
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Key Takeaways HWC matched Q2 earnings estimates as higher NII, fee income and lower provisions supported results.HWC posted higher revenues, expanded NIM and sequential growth in loans and deposits.Hancock Whitney's higher y/y expenses weighed on efficiency. Hancock Whitney Corp.’s (HWC - Free Report) second-quarter 2026 earnings per share of $1.55 matched the Zacks Consensus Estimate. The bottom line rose 17.4% from the prior-year quarter.
Results were supported by higher net interest income (NII) and non-interest income, along with a decline in provisions. Also, a sequential increase in loans and deposit balances was a positive. However, higher expenses were the undermining factor.
Net income available to common shareholders was $127 million, up 11.8% from the prior-year quarter. Our estimate for the metric was $124.6 million.
HWC’s Revenues Improve, Expenses RiseQuarterly total revenues were $401.4 million, which surpassed the Zacks Consensus Estimate of $396.4 million. The top line also increased 6.9% year over year.
NII (on a tax-equivalent basis) increased 5.6% year over year to $295.2 million. The net interest margin (NIM) was 3.56%, which expanded seven basis points (bps). Our estimates for NII and NIM were $291.2 million and 3.57%, respectively.
Non-interest income was $108.4 million, up 10% year over year. The rise was driven by an increase in service charges on deposit accounts, trust fees, bank card and ATM fees, and investment and annuity fees and insurance commissions. We had projected non-interest income of $107.1 million.
Total non-interest expenses (GAAP) increased 4.4% to $225.4 million. We had projected expenses of $227.1 million.
The efficiency ratio increased to 55.31% from 54.91% in the year-ago quarter. An increase in the efficiency ratio indicates a deterioration in profitability.
HWC’s Loans & Deposits Rise SequentiallyAs of June 30, 2026, total loans were $24.6 billion, up 2.5% from the prior quarter. Total deposits were $29.6 billion, up 1.9% from the previous quarter. Our estimates for total loans and deposits were $24.5 billion and $29.2 billion, respectively.
HWC’s Credit Quality ImprovesThe provision for credit losses was $13.8 million, down 7.7% from the prior-year quarter. Our estimate for provisions was $11.4 million.
Net charge-offs (annualized) were 0.16% of average total loans, down 15 bps from the prior-year quarter.
HWC’s Capital Ratios Decline, Profitability Ratios IncreaseAs of June 30, 2026, the Tier 1 leverage ratio was 10.87%, down from 11.35% at the end of the year-ago quarter. The common equity Tier 1 ratio was 13.18%, down from 13.97% as of June 30, 2025.
At the end of the second quarter of 2026, the return on average assets was 1.42%, up from 1.32% in the year-ago period. The return on average common equity was 11.52%, up from 10.63% in the prior-year quarter.
HWC’s Share Repurchase UpdateIn the reported quarter, HWC repurchased 712,966 shares at an average price of $68.28 per share.
Our View on Hancock WhitneyIn May, Hancock Whitney agreed to acquire OFB Bancshares, Inc. and combine the latter’s local relationships with its broader platform and expanded private banking and fee-income capabilities, supported by the 2025 Sabal Trust acquisition. Together, these actions are expected to support HWC’s top line over time through loan growth, a continued shift toward full-relationship lending and sustained investment in higher-growth markets.
Additionally, the company’s bond restructuring efforts and stabilizing funding costs are expected to continue to support NII expansion. However, weakening asset quality and elevated expenses remain key challenges.
Currently, Hancock Whitney carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Performance of Other BanksCommerce Bancshares Inc.’s (CBSH - Free Report) second-quarter 2026 earnings of $1.10 per share surpassed the Zacks Consensus Estimate of $1.04. The bottom line reflected a rise of 1% from the prior-year quarter.
CBSH’s results primarily benefited from higher NII and a rise in non-interest income. The sequential rise in loan balances acted as a tailwind. However, higher expenses and provisions hurt CBSH’s results to some extent.
F.N.B. Corporation (FNB - Free Report) reported second-quarter 2026 earnings of 42 cents per share, which matched the Zacks Consensus Estimate. The bottom line jumped 16.7% year over year.
FNB’s results primarily benefited from higher NII, a rise in non-interest income and lower provisions. Higher average loans and deposits were other positives. However, higher non-interest expenses hurt the results to some extent.
Hancock Whitney (HWC - Free Report) came out with quarterly earnings of $1.55 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $1.37 per share a year ago. These figures are adjusted for non-recurring items.
A quarter ago, it was expected that this holding company of Whitney Bank and Hancock Bank would post earnings of $1.48 per share when it actually produced earnings of $1.52, delivering a surprise of +2.7%.
Over the last four quarters, the company has surpassed consensus EPS estimates three times.
Hancock Whitney, which belongs to the Zacks Banks - Southeast industry, posted revenues of $401.36 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 1.26%. This compares to year-ago revenues of $375.48 million. The company has topped consensus revenue estimates just once over the last four quarters.
The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.
Hancock Whitney shares have added about 21.4% since the beginning of the year versus the S&P 500's gain of 8.7%.
What's Next for Hancock Whitney?While Hancock Whitney has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?
There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.
Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.
Ahead of this earnings release, the estimate revisions trend for Hancock Whitney was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $1.64 on $411.43 million in revenues for the coming quarter and $6.47 on $1.53 billion in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southeast is currently in the top 37% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.
Another stock from the same industry, Chemung Financial (CHMG - Free Report) , has yet to report results for the quarter ended June 2026.
This financial holding company is expected to post quarterly earnings of $1.70 per share in its upcoming report, which represents a year-over-year change of +29.8%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days.
Chemung Financial's revenues are expected to be $31.1 million, up 207.9% from the year-ago quarter.
For the quarter ended June 2026, Hancock Whitney (HWC - Free Report) reported revenue of $401.36 million, up 6.9% over the same period last year. EPS came in at $1.55, compared to $1.37 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $396.38 million, representing a surprise of +1.26%. The company has not delivered EPS surprise, with the consensus EPS estimate being $1.55.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Hancock Whitney performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Net interest margin (TE): 3.6% compared to the 3.6% average estimate based on four analysts.Efficiency Ratio: 55.3% compared to the 55.8% average estimate based on four analysts.Total net charge-offs as a percentage of average loans: 0.2% versus the three-analyst average estimate of 0.2%.Average Balance - Total interest earning assets: $33.21 billion versus the three-analyst average estimate of $32.82 billion.Total nonperforming loans: $113.68 million versus $110.97 million estimated by two analysts on average.Total nonperforming assets (Total nonaccrual loans + ORE and foreclosed assets): $126.54 million versus the two-analyst average estimate of $124.77 million.Total Noninterest Income: $108.35 million compared to the $106.33 million average estimate based on four analysts.Net interest income (TE): $295.23 million versus the four-analyst average estimate of $292.89 million.Net Interest Income: $293.01 million versus $290.15 million estimated by three analysts on average.Secondary mortgage market operations: $4.07 million versus the two-analyst average estimate of $3.99 million.Bank card and ATM fees: $23.18 million versus $22.16 million estimated by two analysts on average.Investment and annuity fees and insurance commissions: $14.62 million versus the two-analyst average estimate of $12.12 million.View all Key Company Metrics for Hancock Whitney here>>>
Shares of Hancock Whitney have returned +9.2% over the past month versus the Zacks S&P 500 composite's -0.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
Ashleigh Wilshire - Senior VP & Head of Investor Relations
John Hairston - President, CEO & Director
Michael Achary - Senior EVP, CFO & Principal Accounting Officer
D. Loper - Senior EVP & COO
Conference Call Participants
Michael Rose - Raymond James & Associates, Inc., Research Division
Catherine Mealor - Keefe, Bruyette, & Woods, Inc., Research Division
Feddie Strickland - Hovde Group, LLC, Research Division
Stephen Scouten - Piper Sandler & Co., Research Division
Brett Rabatin - The Benchmark Company, LLC, Research Division
Casey Haire
Christopher Marinac - Brean Capital, LLC, Research Division
Presentation
Operator
Good day, ladies and gentlemen, and welcome to Hancock Whitney Corporation's Second Quarter 2026 Earnings Conference Call. [Operator Instructions] As a reminder, this call may be recorded.
I would now like to introduce your host for today's conference, Ashleigh Wilshire, Head of Investor Relations. You may begin.
Ashleigh Wilshire
Senior VP & Head of Investor Relations
Thank you, and good afternoon. During today's call, we may make forward-looking statements. We would like to remind everyone to carefully review the safe harbor language that was published with the earnings release and presentation and in the company's most recent 10-K and 10-Q, including the risks and uncertainties identified therein. You should keep in mind that any forward-looking statements made by Hancock Whitney speak only as of the date on which they were made. As everyone understands, the current economic environment is rapidly evolving and changing.
Hancock Whitney's ability to accurately project results or predict the effects of future plans or strategies or predict market or economic developments is inherently limited. We believe that the expectations reflected or implied by any forward-looking statements are based on reasonable assumptions but are not guarantees of performance or results, and our actual results and
GULFPORT, Miss.--(BUSINESS WIRE)--Hancock Whitney Corporation (Nasdaq: HWC) today announced its financial results for the second quarter of 2026. Net income for the second quarter of 2026 totaled $127.0 million, or $1.55 per diluted common share (EPS), compared to $47.4 million, or $0.57 per diluted common share, in the first quarter of 2026. First quarter 2026 results include a pretax charge of $98.6 million, or $0.95 per share, of a supplemental disclosure item related to a net loss on securities portfolio restructure. There were no supplemental disclosure items in the second quarter of 2026. The company reported net income for the second quarter of 2025 of $113.5 million, or $1.32 per diluted common share. The second quarter of 2025 included $5.9 million, or $0.05 per diluted common share, of supplemental disclosure items related to the acquisition of Sabal Trust Company.
Second Quarter 2026 Highlights
Net income totaled $127.0 million, or $1.55 per diluted share, compared to $47.4 million, or $0.57 per diluted share in the first quarter of 2026 Adjusted pre-provision net revenue (PPNR) totaled $178.1 million, up $5.2 million, or 3% from the prior quarter Loans increased $588 million, or 10% linked quarter annualized (LQA) Deposits increased $548 million, or 8% LQA Criticized commercial loans decreased and nonaccrual loans were virtually flat compared to the first quarter of 2026 ACL coverage solid at 1.42% NIM of 3.56%, up 1 bp from the prior quarter CET1 ratio estimated at 13.18%, down 11 bps linked-quarter; TCE ratio of 9.78%, down 15 bps linked-quarter; total risk-based capital ratio estimated at 14.97%, down 13 bps linked-quarter Efficiency ratio of 55.31%, compared to 55.43% in the prior quarter “The second quarter of 2026 results reflect another quarter of strong performance,” said John M. Hairston, President & CEO. “Our team delivered exceptional progress on our organic growth plan with loan growth of 10% and deposit growth of 8%, linked quarter annualized. We remained focused on our investment in revenue-generating activities, including hiring 15 net new bankers in the second quarter. Profitability remains solid with EPS of $1.55, ROA of 1.42%, an efficiency ratio of 55.31%, and continued fee income growth and well-controlled expenses. Our criticized loan levels decreased during the quarter and our ACL remains robust at 1.42%. We also announced the acquisition of One Florida Bank this quarter and expect to close the transaction on August 1. We look forward to the remainder of 2026 as we continue to execute our organic growth plan and welcome the One Florida Bank associates and clients to Hancock Whitney.”
Loans
Total loans were $24.6 billion at June 30, 2026, up $588.3 million, or 2%, from March 31, 2026. Loan growth was driven primarily by an increase in C&I lending, healthcare activity, and commercial real estate across multiple products.
Average loans totaled $24.3 billion for the second quarter of 2026, up $373.9 million, or 2%, linked-quarter.
Deposits
Total deposits at June 30, 2026 were $29.6 billion, up $547.6 million, or 2%, from March 31, 2026. Deposit growth was driven primarily by an increase in interest-bearing transactions and savings, offset by decreases in retail time deposits and interest-bearing public fund deposits.
Noninterest-bearing deposits totaled $10.3 billion at June 30, 2026, virtually flat from March 31, 2026, and comprised 35% of total period-end deposits.
Interest-bearing transaction and savings deposits totaled $13.0 billion at the end of the second quarter of 2026, up $785.0 million, or 6%, linked-quarter due to competitive products and pricing.
Interest-bearing public fund deposits decreased $56.9 million, or 2%, linked-quarter, totaling $2.9 billion at June 30, 2026. The decrease in interest-bearing public fund deposits was driven by seasonal outflows. Compared to March 31, 2026, retail time deposits of $3.4 billion were down $172.4 million, or 5%, driven by maturities and repricing during the second quarter of 2026.
Average deposits for the second quarter of 2026 were $28.8 billion, down $53.8 million, or less than 1%, linked-quarter.
Asset Quality
The total allowance for credit losses (ACL) was $348.0 million at June 30, 2026, up $4.3 million, or 1% from March 31, 2026. During the second quarter of 2026, the company recorded a provision for credit losses of $13.8 million, compared to $13.2 million in the first quarter of 2026. There were $9.4 million of net charge-offs in the second quarter of 2026, or 0.16% of average total loans on an annualized basis, compared to net charge-offs of $11.1 million, or 0.19% of average total loans in the first quarter of 2026. The ratio of ACL to period-end loans was 1.42% at June 30, 2026 compared to 1.43% at March 31, 2026.
Criticized commercial loans totaled $492.0 million, or 2.55% of total commercial loans, at June 30, 2026, down $30.2 million from $522.2 million, or 2.79% of total commercial loans, at March 31, 2026. Nonaccrual loans totaled $113.7 million, or 0.46% of total loans, at June 30, 2026, compared to $113.3 million, or 0.47% of total loans, at March 31, 2026. ORE and foreclosed assets were $12.9 million at June 30, 2026, up $1.6 million, or 14%, from $11.3 million at March 31, 2026.
Net Interest Income and Net Interest Margin (NIM) (TE)
Net interest income (TE) for the second quarter of 2026 was $295.2 million, an increase of $7.7 million, or 3%, from the first quarter of 2026. The net interest margin (NIM) (TE) was 3.56% in the second quarter of 2026, up 1 bp linked-quarter, driven by the higher investment portfolio yield (+2 bps), and lower cost of deposits (+3 bps), partially offset by unfavorable borrowing costs (-3 bps) and lower loan yields (-1 bp).
Average earning assets were $33.2 billion for the second quarter of 2026, up $507 million, or 2%, from the first quarter of 2026.
Noninterest Income
Noninterest income totaled $108.4 million for the second quarter of 2026, up $100.9 million from the first quarter of 2026. Included in noninterest income in the first quarter of 2026 was a supplemental disclosure item of a ($98.6) million loss from a securities portfolio restructuring. There were no supplemental disclosure items in the second quarter of 2026.
Service charges on deposit accounts totaled $25.9 million for the second quarter of 2026, unchanged from prior quarter. Bank card and ATM fees were up $1.1 million, or 5%, from the first quarter of 2026. Investment and annuity income and insurance fees were up $2.0 million, or 16%, linked-quarter due to seasonally higher activity. Trust fees were up $1.5 million, or 6%, linked-quarter due to annual collection of tax preparation fees. Fees from secondary mortgage operations totaled $4.1 million for the second quarter of 2026, up $0.5 million, or 15%, linked-quarter.
There were no securities gains and losses in the second quarter of 2026. Securities transactions, net in the first quarter 2026 was a loss of $98.6 million, resulting from a securities portfolio restructuring identified as a supplemental disclosure item.
Other noninterest income was $14.5 million in the second quarter of 2026, down $2.8 million, or 16%, from the first quarter of 2026. The decrease in other noninterest income was primarily due to lower syndication fees and lower SBIC income.
Noninterest Expense & Taxes
Noninterest expense totaled $225.4 million, up $4.7 million, or 2% linked-quarter.
Personnel expense totaled $130.2 million in the second quarter of 2026, up $3.0 million, or 2%, linked-quarter due to annual merit increases and the impact of new hires.
Net occupancy and equipment expense totaled $18.3 million in the second quarter of 2026, up $1.0 million, or 6%, from the first quarter of 2026. Amortization of intangibles totaled $2.2 million for the second quarter of 2026, down $0.3 million, or 13%, linked-quarter.
Net expense on ORE and other foreclosed assets totaled $0.2 million in the second quarter of 2026, compared to $0.4 million in the first quarter of 2026.
Other expenses totaled $74.5 million in the second quarter of 2026, up $1.2 million, or 2%, linked-quarter.
The effective income tax rate for the second quarter of 2026 was 21.7%, compared to 19.3% in the first quarter of 2026.
Capital
Common stockholders’ equity at June 30, 2026 totaled $4.4 billion, up $24.5 million, or 1%, from March 31, 2026. The tangible common equity (TCE) ratio was 9.78%, down 15 bps linked-quarter. The company’s CET1 ratio is estimated to be 13.18% at June 30, 2026, down 11 bps linked-quarter. Total risk-based capital ratio is estimated to be 14.97% at June 30, 2026, down 13 bps linked-quarter.
During the second quarter of 2026, the company repurchased 712,966 shares of its common stock at an average price of $68.28 per share. This stock repurchase is pursuant to the company’s share buyback program (which authorizes the repurchase of up to 5%, or approximately 4.1 million shares, of the company’s outstanding common stock), which expires on December 31, 2026. Since its inception, the company has repurchased 2,112,966 shares under this share buyback program.
Conference Call and Slide Presentation
Management will host a conference call for analysts and investors at 3:30 p.m. Central Time on Tuesday, July 21, 2026 to review second quarter of 2026 results. A live listen-only webcast of the call will be available under the Investor Relations section of Hancock Whitney’s website at investors.hancockwhitney.com. A link to the release with additional financial tables, and a link to a slide presentation related to second quarter 2026 results are also posted as part of the webcast link. To participate in the Q&A portion of the call, dial 833-461-5787, access code 863473372.
A replay of the conference call will be available under the Investor Relations section of our website.
About Hancock Whitney
Since the late 1800s, Hancock Whitney has embodied core values of Honor & Integrity, Strength & Stability, Commitment to Service, Teamwork, and Personal Responsibility. Hancock Whitney offices and financial centers in Mississippi, Alabama, Florida, Louisiana, and Texas offer comprehensive financial products and services, including traditional and online banking; commercial and small business banking; private banking; trust and investment services; healthcare banking; and mortgage services. The company also operates combined loan and deposit production offices in the greater metropolitan areas of Nashville, Tennessee, and Atlanta, Georgia. More information is available at www.hancockwhitney.com.
Non-GAAP Financial Measures
This news release includes non-GAAP financial measures to describe Hancock Whitney’s performance. These non-GAAP financial measures should not be considered alternatives to GAAP-basis financial statements and other bank holding companies may define or calculate these non-GAAP measures or similar measures differently. The reconciliations of those measures to GAAP measures are provided either in the financial tables or in Appendix A thereto.
Consistent with the provisions of subpart 229.1400 of the Securities and Exchange Commission’s Regulation S-K, “Disclosures by Bank and Savings and Loan Registrants,” the company presents net interest income, net interest margin and efficiency ratios on a fully taxable equivalent (“TE”) basis. The TE basis adjusts for the tax-favored status of net interest income from certain loans and investments using the statutory federal tax rate to increase tax-exempt interest income to a taxable equivalent basis. The company believes this measure to be the preferred industry measurement of net interest income and it enhances comparability of net interest income arising from taxable and tax-exempt sources.
The company presents certain additional non-GAAP financial measures to assist the reader with a better understanding of the company’s performance period over period, as well as to provide investors with assistance in understanding the success management has experienced in executing its strategic initiatives. The company highlights certain items that are outside of our principal business and/or are not indicative of forward-looking trends in supplemental disclosures items below our GAAP financial data and presents certain “Adjusted” ratios that exclude these disclosed items. These adjusted ratios provide management or the reader with a measure that may be more indicative of forward-looking trends in our business, as well as demonstrates the effects of significant gains or losses and changes.
We define Adjusted Pre-Provision Net Revenue as net income excluding provision expense and income tax expense, plus the taxable equivalent adjustment (as defined above), less supplemental disclosure items (as defined above). Management believes that adjusted pre-provision net revenue is a useful financial measure because it enables investors and others to assess the company’s ability to generate capital to cover credit losses through a credit cycle. We define Adjusted Revenue as net interest income (te) and noninterest income less supplemental disclosure items. We define Adjusted Noninterest Expense as noninterest expense less supplemental disclosure items. We define our Efficiency Ratio as noninterest expense to total net interest income (te) and noninterest income, excluding amortization of purchased intangibles and supplemental disclosure items, if applicable. Management believes adjusted revenue, adjusted noninterest expense and the efficiency ratio are useful measures as they provide a greater understanding of ongoing operations and enhance comparability with prior periods.
Important Cautionary Statement about Forward-Looking Statements
This release contains forward-looking statements within the meaning of section 27A of the Securities Act of 1933, as amended, and section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements that we may make include statements regarding our expectations of our performance and financial condition, balance sheet and revenue growth, the provision for credit losses, capital levels, deposits (including growth, pricing, and betas), investment portfolio, other sources of liquidity, loan growth expectations, management’s predictions about charge-offs for loans, the impact of current and future economic conditions, including the effects of declines in the real estate market, tariffs or trade wars (including reduced consumer spending, lower economic growth or recession, reduced demand for U.S. exports, disruptions to supply chains, and decreased demand for other banking products and services), high unemployment, inflationary pressures, increasing insurance costs, fluctuations in interest rates, including the impact of changes in interest rates on our financial projections, models and guidance and slowdowns in economic growth, as well as the financial stress on borrowers as a result of the foregoing, general economic business conditions in our local markets, Federal Reserve action with respect to interest rates, the effects of war or other conflicts, acts of terrorism, climate change, the impact of natural or man-made disasters, the adequacy of our enterprise risk management framework, potential claims, damages, penalties, fines and reputational damage resulting from pending or future litigation, regulatory proceedings, assessments, and enforcement actions, as well as the impact of negative developments affecting the banking industry and the resulting media coverage; the timing, benefits, costs and synergies of the merger with One Florida Bank, as well as statements regarding the potential impact of current or future business combinations on our performance and financial condition, including our ability to successfully identify acquisition targets and integrate the businesses, success of revenue-generating and cost reduction initiatives, the potential impact of third-party business combinations in our footprint on our performance and financial condition, the effectiveness of derivative financial instruments and hedging activities to manage risks, projected tax rates, increased cybersecurity risks, including potential business disruptions or financial losses, and the impact of artificial intelligence on our business operations, the adequacy of our internal controls over financial and non-financial reporting, the impact of changes in U.S. laws or policies, including those related to credit card interest rates, the financial impact of regulatory requirements and tax reform legislation, deposit trends, credit quality trends, net interest margin trends, future expense levels, future profitability, supplemental disclosure items, improvements in expense to revenue (efficiency) ratio, purchase accounting impacts and expected returns. Also, any statement that does not describe historical or current facts is a forward-looking statement. These statements often include the words “believes,” “expects,” “anticipates,” “estimates,” “intends,” “plans,” “forecast,” “goals,” “targets,” “initiatives,” “focus,” “potentially,” “probably,” “projects,” “outlook," or similar expressions or future conditional verbs such as “may,” “will,” “should,” “would,” and “could.” Forward-looking statements are based upon the current beliefs and expectations of management and on information currently available to management. Our statements speak as of the date hereof, and we do not assume any obligation to update these statements or to update the reasons why actual results could differ from those contained in such statements in light of new information or future events.
Forward-looking statements are subject to significant risks and uncertainties. Any forward-looking statement made in this release is subject to the safe harbor protections set forth in the Private Securities Litigation Reform Act of 1995. Investors are cautioned against placing undue reliance on such statements. Actual results may differ materially from those set forth in the forward-looking statements. Additional factors that could cause actual results to differ materially from those described in the forward-looking statements can be found in Part I, “Item 1A. Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2025, and in other periodic reports that we file with the SEC.
HANCOCK WHITNEY CORPORATION
FINANCIAL HIGHLIGHTS
(Unaudited)
Three Months Ended
Six Months Ended
(dollars and common share data in thousands, except per share amounts)
6/30/2026
3/31/2026
6/30/2025
6/30/2026
6/30/2025
NET INCOME Net interest income $
293,012
$
285,165
$
276,959
$
578,177
$
546,864
Net interest income (TE) (a) 295,225
287,566
279,455
582,791
552,166
Provision for credit losses 13,775
13,172
14,925
26,947
25,387
Noninterest income 108,350
7,482
98,524
115,832
193,315
Noninterest expense 225,436
220,748
215,979
446,184
421,038
Income tax expense 35,190
11,305
31,048
46,495
60,719
Net income $
126,961
$
47,422
$
113,531
$
174,383
$
233,035
Supplemental disclosure items - included above, pre-tax Included in noninterest income Loss on securities portfolio restructure $
—
$
98,595
$
—
$
98,595
$
—
Included in noninterest expense Sabal Trust Company acquisition expense $
—
$
—
$
5,911
$
—
$
5,911
PERIOD-END BALANCE SHEET DATA Loans $
24,580,173
$
23,991,840
$
23,461,750
$
24,580,173
$
23,461,750
Securities 7,891,359
8,028,014
7,868,011
7,891,359
7,868,011
Earning assets 33,039,464
32,306,650
31,965,130
33,039,464
31,965,130
Total assets 36,345,972
35,542,126
35,212,652
36,345,972
35,212,652
Noninterest-bearing deposits 10,336,866
10,344,878
10,638,785
10,336,866
10,638,785
Total deposits 29,629,760
29,082,134
29,046,612
29,629,760
29,046,612
Common stockholders' equity 4,444,134
4,419,592
4,365,419
4,444,134
4,365,419
AVERAGE BALANCE SHEET DATA Loans $
24,339,904
$
23,965,993
$
23,249,241
$
24,153,981
$
23,159,406
Securities (b) 8,285,594
8,265,682
8,271,777
8,275,693
8,256,729
Earning assets 33,205,847
32,698,837
32,081,140
32,953,742
32,052,670
Total assets 35,881,537
35,420,096
34,527,276
35,652,091
34,441,870
Noninterest-bearing deposits 10,104,015
10,033,006
10,317,446
10,068,707
10,240,760
Total deposits 28,780,937
28,834,747
28,649,900
28,807,693
28,700,875
Common stockholders' equity 4,420,837
4,461,827
4,284,279
4,441,218
4,233,827
COMMON SHARE DATA Earnings per share - diluted $
1.55
$
0.57
$
1.32
$
2.12
$
2.69
Cash dividends per share 0.50
0.50
0.45
1.00
0.90
Book value per share (period-end) 55.23
54.46
51.15
55.23
51.15
Tangible book value per share (period-end) 42.95
42.26
39.46
42.95
39.46
Weighted average number of shares - diluted 81,485
82,261
85,943
81,868
86,203
Period-end number of shares 80,471
81,152
85,351
80,471
85,351
Market data High sales price $
75.25
$
75.43
$
58.24
$
75.43
$
61.57
Low sales price 62.16
59.97
43.90
59.97
43.90
Period-end closing price 74.72
63.59
57.40
74.72
57.40
Trading volume 55,444
53,673
43,450
109,117
85,142
PERFORMANCE RATIOS Return on average assets 1.42
%
0.54
%
1.32
%
0.99
%
1.36
%
Return on average common equity 11.52
%
4.31
%
10.63
%
7.92
%
11.10
%
Return on average tangible common equity 14.84
%
5.54
%
13.71
%
10.19
%
14.21
%
Tangible common equity ratio (c) 9.78
%
9.93
%
9.84
%
9.78
%
9.84
%
Net interest margin (TE) 3.56
%
3.55
%
3.49
%
3.55
%
3.46
%
Noninterest income as a percentage of total revenue (TE) 26.85
%
2.54
%
26.07
%
16.58
%
25.93
%
Efficiency ratio (d) 55.31
%
55.43
%
54.91
%
55.37
%
55.06
%
Average loan/deposit ratio 84.57
%
83.11
%
81.15
%
83.85
%
80.69
%
Allowance for loan losses as a percentage of period-end loans 1.27
%
1.30
%
1.33
%
1.27
%
1.33
%
Allowance for credit losses as a percentage of period-end loans (e) 1.42
%
1.43
%
1.45
%
1.42
%
1.45
%
Annualized net charge-offs to average loans 0.16
%
0.19
%
0.31
%
0.17
%
0.24
%
Allowance for loan losses as a % of nonaccrual loans 274.99
%
274.67
%
329.94
%
274.99
%
329.94
%
FTE headcount 3,674
3,658
3,580
3,674
3,580
(a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. (b) Average securities does not include unrealized holding gains/losses on available for sale securities. (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. (d) The efficiency ratio is noninterest expense to total net interest income (TE) and noninterest income, excluding amortization of purchased intangibles and supplemental disclosure items noted above. (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. HANCOCK WHITNEY CORPORATION
QUARTERLY FINANCIAL HIGHLIGHTS
(Unaudited)
Three Months Ended
(dollars and common share data in thousands, except per share amounts) 6/30/2026
3/31/2026
12/31/2025
9/30/2025
6/30/2025
NET INCOME Net interest income $
293,012
$
285,165
$
282,170
$
279,738
$
276,959
Net interest income (TE) (a) 295,225
287,566
284,675
282,309
279,455
Provision for credit losses 13,775
13,172
13,145
12,651
14,925
Noninterest income 108,350
7,482
107,131
106,001
98,524
Noninterest expense 225,436
220,748
217,850
212,753
215,979
Income tax expense 35,190
11,305
32,734
32,869
31,048
Net income $
126,961
$
47,422
$
125,572
$
127,466
$
113,531
Supplemental disclosure items - included above, pre-tax Included in noninterest income Loss on securities portfolio restructure $
—
$
98,595
$
—
$
—
$
—
Included in noninterest expense Sabal Trust Company acquisition expense $
—
$
—
$
—
$
—
$
5,911
PERIOD-END BALANCE SHEET DATA Loans $
24,580,173
$
23,991,840
$
23,958,440
$
23,596,565
$
23,461,750
Securities 7,891,359
8,028,014
8,094,799
7,991,281
7,868,011
Earning assets 33,039,464
32,306,650
32,218,663
32,532,320
31,965,130
Total assets 36,345,972
35,542,126
35,472,762
35,766,407
35,212,652
Noninterest-bearing deposits 10,336,866
10,344,878
10,374,991
10,305,303
10,638,785
Total deposits 29,629,760
29,082,134
29,279,774
28,659,750
29,046,612
Common stockholders' equity 4,444,134
4,419,592
4,460,117
4,474,479
4,365,419
AVERAGE BALANCE SHEET DATA Loans $
24,339,904
$
23,965,993
$
23,715,763
$
23,425,895
$
23,249,241
Securities (b) 8,285,594
8,265,682
8,484,162
8,383,771
8,271,777
Earning assets 33,205,847
32,698,837
32,598,315
32,213,632
32,081,140
Total assets 35,881,537
35,420,096
35,227,286
34,751,209
34,527,276
Noninterest-bearing deposits 10,104,015
10,033,006
10,165,806
10,121,707
10,317,446
Total deposits 28,780,937
28,834,747
28,816,539
28,492,076
28,649,900
Common stockholders' equity 4,420,837
4,461,827
4,417,711
4,368,746
4,284,279
COMMON SHARE DATA Earnings per share - diluted $
1.55
$
0.57
$
1.49
$
1.49
$
1.32
Cash dividends per share 0.50
0.50
0.45
0.45
0.45
Book value per share (period-end) 55.23
54.46
54.22
52.82
51.15
Tangible book value per share (period-end) 42.95
42.26
42.16
41.07
39.46
Weighted average number of shares - diluted 81,485
82,261
83,791
85,453
85,943
Period-end number of shares 80,471
81,152
82,259
84,711
85,351
Market data High sales price $
75.25
$
75.43
$
67.10
$
64.66
$
58.24
Low sales price 62.16
59.97
54.05
56.87
43.90
Period-end closing price 74.72
63.59
63.68
62.61
57.40
Trading volume 55,444
53,673
55,269
51,077
43,450
PERFORMANCE RATIOS Return on average assets 1.42
%
0.54
%
1.41
%
1.46
%
1.32
%
Return on average common equity 11.52
%
4.31
%
11.28
%
11.58
%
10.63
%
Return on average tangible common equity 14.84
%
5.54
%
14.55
%
15.00
%
13.71
%
Tangible common equity ratio (c) 9.78
%
9.93
%
10.06
%
10.01
%
9.84
%
Net interest margin (TE) 3.56
%
3.55
%
3.48
%
3.49
%
3.49
%
Noninterest income as a percentage of total revenue (TE) 26.85
%
2.54
%
27.34
%
27.30
%
26.07
%
Efficiency ratio (d) 55.31
%
55.43
%
54.93
%
54.10
%
54.91
%
Average loan/deposit ratio 84.57
%
83.11
%
82.30
%
82.22
%
81.15
%
Allowance for loan losses as a percentage of period-end loans 1.27
%
1.30
%
1.28
%
1.33
%
1.33
%
Allowance for credit losses as a percentage of period-end loans (e) 1.42
%
1.43
%
1.43
%
1.45
%
1.45
%
Annualized net charge-offs to average loans 0.16
%
0.19
%
0.22
%
0.19
%
0.31
%
Allowance for loan losses as a % of nonaccrual loans 274.99
%
274.67
%
287.95
%
276.20
%
329.94
%
FTE headcount 3,674
3,658
3,627
3,603
3,580
(a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. (b) Average securities does not include unrealized holding gains/losses on available for sale securities. (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. (d) The efficiency ratio is noninterest expense to total net interest income (TE) and noninterest income, excluding amortization of purchased intangibles and supplemental disclosure items noted above. (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments.
3 Overlooked Dividend Stocks for Choppy Markets in 2026Hancock Whitney NASDAQ: HWC reported what executives described as another strong quarter of profitability, efficiency and shareholder returns in the second quarter of 2026, while also pointing to stronger balance sheet growth and continued improvement in credit trends.
President and CEO John Hairston said earnings per share improved 13% from the same period a year earlier, while pre-provision net revenue rose 6%. He also highlighted 5% loan growth, 2% total deposit growth and a sixth consecutive quarter of improvement in commercial criticized loans.
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Analysts Remain Bullish On These 3 Regional Banks“The second quarter of 2026 was another strong quarter of profitability, efficiency, and return of capital to shareholders,” Hairston said. He added that the company was “pleased to add solid balance sheet growth on both sides of the ledger to an already excellent quarter.”
Profitability Remains Strong as Net Interest Income Rises CFO Mike Achary said net income for the quarter was $127 million, or $1.55 per share, compared with adjusted net income of $125 million, or $1.52 per share, in the first quarter. Pre-provision net revenue increased 3% from the prior quarter to $178 million, which Achary said represented a 1.99% return on average assets.
Net interest income increased 3% from the prior quarter. Hancock Whitney’s net interest margin rose one basis point to 3.56%, as the yield on earning assets increased two basis points and the cost of funds increased one basis point. Achary said the bond portfolio yield rose 12 basis points to 3.35%, reflecting the full-quarter impact of a restructuring transaction completed in the first quarter and reinvestment of principal cash flows.
Loan yields declined two basis points, which Achary attributed mainly to a 12-basis-point quarter-over-quarter drop in new loan rates, partially offset by a $374 million increase in average loans. Deposit costs fell four basis points to 1.43%, mostly because of lower rates on maturing certificates of deposit.
Achary said Hancock Whitney expects deposit costs to increase in the second half of the year, as the benefit from repricing maturing CDs “will largely come to an end.” He said net interest income should continue to grow, though possibly at a slower pace than in the second quarter, and that the margin is expected to be flat to slightly higher.
Loan and Deposit Growth Accelerate On a linked-quarter annualized basis, Hairston said loans grew 10% and deposits grew 8%. Loan production was strong and line utilization improved, with growth across every business line except mortgage. The company reiterated its full-year loan growth guidance of mid-single digits.
Chief Operating Officer Shane Loper said Hancock Whitney produced $1.5 billion in loans during the quarter, up from $1.2 billion in the first quarter. Loan growth totaled $588 million, with strength across business banking, commercial, middle market, consumer and commercial real estate.
Loper said clients generally remain stable and somewhat optimistic, but cautious. He also said the loan market remains competitive, particularly because “there’s a lot of credit supply for a limited demand.”
Deposit growth was driven by a $786 million increase in interest-bearing money market accounts, partially offset by a slight decline in CD balances from maturities. Hancock Whitney raised its full-year deposit guidance from low single-digit growth to mid-single-digit growth.
Achary said the bank’s goal is to fund loan growth with deposit growth, and he described the deposit pricing environment as competitive but rational in the company’s markets. During the quarter, Hancock Whitney expanded certain promotional deposit offerings, including an 11-month CD at 3.85% in Louisiana, Mississippi and Alabama after previously offering it in Florida and Texas. The company also offered money market promotions at 3.75% for some existing customers and 4% for new customers.
Fee Income, Expenses and Hiring Fee income increased $2.3 million, or 2%, adjusted for the net loss on the bond portfolio restructuring in the prior quarter. Achary said the increase was driven by higher activity in investment and annuity income, insurance and trust, partly offset by lower syndication fees and Small Business Investment Company income, which he said can be unpredictable from quarter to quarter.
Hairston pointed to wealth management as a notable contributor, citing execution across the broker-dealer and trust platforms, as well as some benefit from the Sabal transaction completed last year. He also said card and merchant services continued to perform well, while secondary mortgage was in line with expectations.
Expenses rose 2% from the prior quarter, primarily because of annual merit increases and the impact of new hires during the first half of 2026. Hairston said Hancock Whitney added 15 net new bankers in the second quarter, bringing the year-to-date total to 42 against its annual goal of 50.
Loper said new bankers accounted for 26% of the quarter’s growth and that the company remains confident in reaching its hiring target. Achary noted that the company increased its operating expense guidance excluding One Florida Bank, partly reflecting the possibility of adding more employees.
Asset Quality Continues to Improve Hancock Whitney reported continued improvement in criticized commercial loans, which declined $30 million to $492 million. Nonaccrual loans increased $1 million to $114 million. Net charge-offs were 16 basis points, down from 19 basis points in the prior quarter.
Achary said loan loss reserves stood at 1.42% of loans. The company continues to expect net charge-offs to average loans to come in between 15 and 25 basis points for full-year 2026.
In response to an analyst question about changes in CECL assumptions, Achary said the company saw Moody’s baseline scenario become more conservative. He said Hancock Whitney shifted its weighting from 40/60 to 50/50 between the baseline and slow-growth scenarios.
One Florida Deal and Capital Plans Hairston said Hancock Whitney received regulatory and shareholder approval in July for the One Florida Bank transaction and expects the deal to close on August 1. He said the company updated its guidance to show the fiscal 2026 outlook both excluding and including One Florida.
Including One Florida, Achary said Hancock Whitney expects loans and deposits to be up low double digits, net interest income to rise 8% to 9%, fee income to increase 6% to 7%, operating expenses to rise 7.5% to 8.5%, and pre-provision net revenue to grow 7% to 8%. Those expectations do not include meaningful revenue synergies, such as expanding wealth products and services to One Florida clients. Cost savings are expected to be fully realized by the start of 2027.
Hairston said the immediate focus after closing will be welcoming One Florida clients and employees and completing integration, which he expects in mid- to late fourth quarter. He said the company may provide more detail in 2027 on growth expectations in Orlando and other Florida markets.
On capital deployment, Hairston said Hancock Whitney’s priorities remain supporting balance sheet growth, dividends and completing the current 5% share repurchase authorization by year-end. Achary said the company had about 2 million shares remaining under the authorization and intends to exhaust it over the second half of 2026, likely on a roughly pro rata basis between the third and fourth quarters.
Achary said the company is comfortable with tangible common equity around 9% and common equity Tier 1 capital around 12%. He said future repurchase plans for 2027 will be discussed when the company gets there.
About Hancock Whitney (NASDAQ:HWC)Hancock Whitney Corporation NASDAQ: HWC is a regional financial services company headquartered in Gulfport, Mississippi. The firm was established in April 2019 through the merger of Hancock Holding Company and Whitney Holding Corporation, each of which traced its roots to the late 19th century. This combination created one of the largest bank holding companies in the Gulf South region, with a network of branches serving both urban and rural communities.
The company's core business activities include commercial banking, retail banking and wealth management services.
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Allspring Global Investments Holdings LLC lessened its stake in Hancock Whitney Corporation (NASDAQ:HWC – Free Report) by 6.7% in the 1st quarter, according to its most recent filing with the SEC. The fund owned 1,597,199 shares of the company’s stock after selling 115,378 shares during the period. Allspring Global Investments Holdings LLC owned about 1.96% of Hancock Whitney worth $102,396,000 at the end of the most recent quarter.
Other large investors also recently added to or reduced their stakes in the company. Amundi purchased a new stake in Hancock Whitney during the 1st quarter worth approximately $50,000. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. raised its position in Hancock Whitney by 4.6% in the 1st quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 51,664 shares of the company’s stock valued at $2,710,000 after purchasing an additional 2,255 shares in the last quarter. NewEdge Advisors LLC boosted its stake in shares of Hancock Whitney by 22.9% in the 1st quarter. NewEdge Advisors LLC now owns 3,755 shares of the company’s stock valued at $197,000 after buying an additional 700 shares during the period. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC grew its position in shares of Hancock Whitney by 4.2% during the first quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC now owns 287,471 shares of the company’s stock worth $15,078,000 after buying an additional 11,551 shares in the last quarter. Finally, Jane Street Group LLC grew its position in shares of Hancock Whitney by 951.9% during the first quarter. Jane Street Group LLC now owns 123,812 shares of the company’s stock worth $6,494,000 after buying an additional 112,042 shares in the last quarter. 81.22% of the stock is currently owned by institutional investors and hedge funds.
Analyst Ratings Changes Several equities research analysts have recently issued reports on HWC shares. Hovde Group cut shares of Hancock Whitney from an “outperform” rating to a “market perform” rating and set a $74.00 price objective for the company. in a research report on Friday, June 12th. Keefe, Bruyette & Woods upped their price target on Hancock Whitney from $72.00 to $78.00 and gave the company a “market perform” rating in a report on Thursday, July 9th. Weiss Ratings lowered shares of Hancock Whitney from a “buy (b)” rating to a “hold (c+)” rating in a research note on Monday, May 11th. Wall Street Zen cut shares of Hancock Whitney from a “hold” rating to a “sell” rating in a report on Saturday, May 9th. Finally, Benchmark started coverage on shares of Hancock Whitney in a research report on Wednesday, June 24th. They set a “buy” rating and a $84.00 price objective for the company. Three investment analysts have rated the stock with a Strong Buy rating, four have issued a Buy rating and three have assigned a Hold rating to the company’s stock. According to MarketBeat, Hancock Whitney presently has a consensus rating of “Buy” and a consensus target price of $80.50.
View Our Latest Stock Analysis on HWC
Insider Buying and Selling at Hancock Whitney In other Hancock Whitney news, Director Christine L. Pickering sold 417 shares of the firm’s stock in a transaction that occurred on Friday, May 22nd. The shares were sold at an average price of $67.16, for a total value of $28,005.72. Following the sale, the director owned 25,066 shares in the company, valued at approximately $1,683,432.56. This trade represents a 1.64% decrease in their ownership of the stock. The sale was disclosed in a document filed with the Securities & Exchange Commission, which can be accessed through this link. 0.92% of the stock is currently owned by company insiders.
Hancock Whitney Price Performance Hancock Whitney stock opened at $78.46 on Friday. The firm’s 50-day moving average is $70.97 and its two-hundred day moving average is $68.36. The company has a debt-to-equity ratio of 0.04, a current ratio of 0.81 and a quick ratio of 0.81. The stock has a market capitalization of $6.37 billion, a P/E ratio of 16.11 and a beta of 0.95. Hancock Whitney Corporation has a 12-month low of $54.05 and a 12-month high of $79.36.
Hancock Whitney (NASDAQ:HWC – Get Free Report) last announced its quarterly earnings results on Tuesday, April 21st. The company reported $1.52 EPS for the quarter, topping the consensus estimate of $1.48 by $0.04. Hancock Whitney had a return on equity of 11.20% and a net margin of 21.34%.The company had revenue of $393.64 million during the quarter, compared to analyst estimates of $400.01 million. During the same period in the prior year, the firm posted $1.38 earnings per share. The firm’s revenue was down 19.7% on a year-over-year basis. Equities analysts predict that Hancock Whitney Corporation will post 6.47 earnings per share for the current year.
Hancock Whitney Announces Dividend The business also recently announced a quarterly dividend, which was paid on Monday, June 15th. Shareholders of record on Friday, June 5th were given a $0.50 dividend. The ex-dividend date of this dividend was Friday, June 5th. This represents a $2.00 annualized dividend and a yield of 2.5%. Hancock Whitney’s dividend payout ratio (DPR) is currently 41.07%.
Hancock Whitney Company Profile (Free Report)
Hancock Whitney Corporation (NASDAQ: HWC) is a regional financial services company headquartered in Gulfport, Mississippi. The firm was established in April 2019 through the merger of Hancock Holding Company and Whitney Holding Corporation, each of which traced its roots to the late 19th century. This combination created one of the largest bank holding companies in the Gulf South region, with a network of branches serving both urban and rural communities.
The company’s core business activities include commercial banking, retail banking and wealth management services.
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Getting big returns from financial portfolios, whether through stocks, bonds, ETFs, other securities, or a combination of all, is an investor's dream. But when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.
While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its dividend yield, a metric that measures the dividend as a percent of the current stock price. Many academic studies show that dividends account for significant portions of long-term returns, with dividend contributions exceeding one-third of total returns in many cases.
Based in Gulfport, Hancock Whitney (HWC - Free Report) is in the Finance sector, and so far this year, shares have seen a price change of 19.38%. Currently paying a dividend of $0.50 per share, the company has a dividend yield of 2.63%. In comparison, the Banks - Southeast industry's yield is 1.96%, while the S&P 500's yield is 1.34%.
Looking at dividend growth, the company's current annualized dividend of $2.00 is up 11.1% from last year. Over the last 5 years, Hancock Whitney has increased its dividend 3 times on a year-over-year basis for an average annual increase of 11.55%. Looking ahead, future dividend growth will be dependent on earnings growth and payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. Hancock Whitney's current payout ratio is 34%, meaning it paid out 34% of its trailing 12-month EPS as dividend.
Looking at this fiscal year, HWC expects solid earnings growth. The Zacks Consensus Estimate for 2026 is $6.47 per share, representing a year-over-year earnings growth rate of 13.11%.
From greatly improving stock investing profits and reducing overall portfolio risk to providing tax advantages, investors like dividends for a variety of different reasons. However, not all companies offer a quarterly payout.
High-growth firms or tech start-ups, for example, rarely provide their shareholders a dividend, while larger, more established companies that have more secure profits are often seen as the best dividend options. Income investors must be conscious of the fact that high-yielding stocks tend to struggle during periods of rising interest rates. That said, they can take comfort from the fact that HWC is not only an attractive dividend play, but is also a compelling investment opportunity with a Zacks Rank of #1 (Strong Buy).
Getting big returns from financial portfolios, whether through stocks, bonds, ETFs, other securities, or a combination of all, is an investor's dream. However, when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.
While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric that measures a dividend as a percent of the current stock price. Many academic studies show that dividends make up large portions of long-term returns, and in many cases, dividend contributions surpass one-third of total returns.
Headquartered in Gulfport, Hancock Whitney (HWC - Free Report) is a Finance stock that has seen a price change of 16.88% so far this year. The holding company of Whitney Bank and Hancock Bank is currently shelling out a dividend of $0.50 per share, with a dividend yield of 2.69%. This compares to the Banks - Southeast industry's yield of 2.03% and the S&P 500's yield of 1.41%.
Looking at dividend growth, the company's current annualized dividend of $2.00 is up 11.1% from last year. Over the last 5 years, Hancock Whitney has increased its dividend 3 times on a year-over-year basis for an average annual increase of 11.55%. Looking ahead, future dividend growth will be dependent on earnings growth and payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. Hancock Whitney's current payout ratio is 34%, meaning it paid out 34% of its trailing 12-month EPS as dividend.
Earnings growth looks solid for HWC for this fiscal year. The Zacks Consensus Estimate for 2026 is $6.47 per share, with earnings expected to increase 13.11% from the year ago period.
Investors like dividends for many reasons; they greatly improve stock investing profits, decrease overall portfolio risk, and carry tax advantages, among others. However, not all companies offer a quarterly payout.
For instance, it's a rare occurrence when a tech start-up or big growth business offers its shareholders a dividend. It's more common to see larger companies with more established profits give out dividends. Income investors must be conscious of the fact that high-yielding stocks tend to struggle during periods of rising interest rates. That said, they can take comfort from the fact that HWC is not only an attractive dividend play, but also represents a compelling investment opportunity with a Zacks Rank of #2 (Buy).
All investors love getting big returns from their portfolio, whether it's through stocks, bonds, ETFs, or other types of securities. But when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.
Cash flow can come from bond interest, interest from other types of investments, and, of course, dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric that measures a dividend as a percent of the current stock price. Many academic studies show that dividends make up large portions of long-term returns, and in many cases, dividend contributions surpass one-third of total returns.
Hancock Whitney (HWC - Free Report) is headquartered in Gulfport, and is in the Finance sector. The stock has seen a price change of 12.33% since the start of the year. Currently paying a dividend of $0.50 per share, the company has a dividend yield of 2.8%. In comparison, the Banks - Southeast industry's yield is 2.04%, while the S&P 500's yield is 1.44%.
Looking at dividend growth, the company's current annualized dividend of $2.00 is up 11.1% from last year. Over the last 5 years, Hancock Whitney has increased its dividend 3 times on a year-over-year basis for an average annual increase of 11.55%. Looking ahead, future dividend growth will be dependent on earnings growth and payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. Hancock Whitney's current payout ratio is 34%, meaning it paid out 34% of its trailing 12-month EPS as dividend.
Looking at this fiscal year, HWC expects solid earnings growth. The Zacks Consensus Estimate for 2026 is $6.42 per share, with earnings expected to increase 12.24% from the year ago period.
From greatly improving stock investing profits and reducing overall portfolio risk to providing tax advantages, investors like dividends for a variety of different reasons. However, not all companies offer a quarterly payout.
For instance, it's a rare occurrence when a tech start-up or big growth business offers its shareholders a dividend. It's more common to see larger companies with more established profits give out dividends. Income investors must be conscious of the fact that high-yielding stocks tend to struggle during periods of rising interest rates. With that in mind, HWC presents a compelling investment opportunity; it's not only an attractive dividend play, but the stock also boasts a strong Zacks Rank of #2 (Buy).
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Hancock Whitney (HWC) have what it takes?
PATTERSON, La.--(BUSINESS WIRE)--There's a larger transitional housing apartment complex available to residents of South Louisiana, made possible in part by a $1.17 million Affordable Housing Program (AHP) grant from the Federal Home Loan Bank of Dallas and Hancock Whitney. The banks today joined The Purple Lemon, a faith-based mission, to celebrate the grand opening of an expanded transitional housing development that assists people recovering from addictions and homelessness. The AHP grant, w.
Shares of Hancock Whitney Corporation (NASDAQ: HWC - Get Free Report) have received a consensus rating of "Buy" from the ten brokerages that are presently covering the stock, Marketbeat reports. One research analyst has rated the stock with a hold recommendation, seven have issued a buy recommendation and two have issued a strong buy recommendation on
Hancock Whitney (NASDAQ: HWC - Get Free Report) will likely be announcing its Q1 2026 results after the market closes on Tuesday, April 21st. Analysts expect the company to announce earnings of $1.55 per share and revenue of $400.0060 million for the quarter. Investors may visit the the company's upcoming Q1 2026 earning results page for
Hancock Whitney (HWC) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Hancock Whitney (HWC) came out with quarterly earnings of $1.52 per share, beating the Zacks Consensus Estimate of $1.48 per share. This compares to earnings of $1.38 per share a year ago.
Although the revenue and EPS for Hancock Whitney (HWC) give a sense of how its business performed in the quarter ended March 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Hancock Whitney (HWC) have what it takes?
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Hancock Whitney (HWC) have what it takes?
Hancock Whitney is upgraded to "Buy" after recent M&A activity and relative underperformance, with 13% upside and a stable dividend. HWC's $378 million all-cash acquisition of OFB Bancshares deepens its Florida presence, leveraging a strong capital position and targeting cost synergies. Post-acquisition, capital allocation will pivot: the dividend remains, but buybacks are expected to halt until CET1 normalizes by late 2027.
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Hancock Whitney (HWC) have what it takes?
