HWC Hancock Whitney (HWC) Q1 FY26 earnings call
Hancock Whitney delivered a solid first quarter for FY26, marked by improved profitability metrics, significant net interest margin expansion driven by strategic bond restructuring and deposit cost management, and well-controlled expenses. The company is actively pursuing organic growth through the addition of new revenue producers and expects loan growth to accelerate in the latter half of the year, while also returning capital to shareholders through buybacks and increased dividends. Management is now assuming no rate cuts throughout 2026, supporting confidence in their full-year outlook.
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HWC operating KPIs by quarter
| KPI | This call Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|---|
| Return on tangible common equity (ROTCE) | 14.64%Our adjusted ROA was 1.43%, ROTCE was 14.64% and EPS was $1.52, all improved from prior quarter.Source: earnings call transcript | 14.9%Profitability, efficiency and returns continued to perform very well with a 1.42% ROA, efficiency ratio of 55.3% and ROTCE of 14.9%.Source: earnings call transcript | 16.4%Profitability, efficiency and returns continue to perform very well with an adjusted 1.41% ROA, efficiency ratio of 54.46% and an ROTCE of 16.4%.Source: earnings call transcript | +1.5 pt |
| Efficiency ratio | ~55%We achieved another quarter of solid earnings with NIM expansion and efficiency ratio of about 55%, consistent strong fee income and well-managed expenses.Source: earnings call transcript | 55.3%Profitability, efficiency and returns continued to perform very well with a 1.42% ROA, efficiency ratio of 55.3% and ROTCE of 14.9%.Source: earnings call transcript | 54.46%Profitability, efficiency and returns continue to perform very well with an adjusted 1.41% ROA, efficiency ratio of 54.46% and an ROTCE of 16.4%.Source: earnings call transcript | -0.8 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.