HWC Hancock Whitney (HWC) Q3 FY26 earnings call
Hancock Whitney delivered a solid third quarter, marked by strong profitability and continued balance sheet expansion, supported by the successful integration of One Florida Bank. The company achieved robust organic loan and deposit growth, alongside healthy returns and efficiency. While capital ratios saw some pressure from the acquisition and market rates, management remains focused on organic growth and opportunistic capital deployment, with a cautious approach to share repurchases given current market conditions.
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HWC operating KPIs by quarter
| KPI | Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | This call 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.