Hancock Whitney - 6 Stock Earnings Reports

Hancock Whitney reported a solid start to FY2026 with improved profitability metrics (adjusted ROA 1.43%, ROTCE 14.64%, adjusted EPS $1.52, >10% YoY adjusted EPS growth). Net interest margin expanded 7 bps to 3.55% driven by higher bond yields from a January bond-portfolio restructuring and lower cost of funds. Loan production was strong at $1.2 billion (up $365M YoY) but net loan growth was modest (+$33M) due to expected seasonal paydowns and some large planned payoffs; management reiterates mid-single-digit loan growth guidance for the year and expects growth to accelerate in the mid-to-back half of 2026 helped by 27 net new bankers (with a target of ~50 hires for 2026). Deposits were down modestly (-3% annualized) driven by seasonal public fund outflows; DDA mix strengthened to 36%, and management still expects deposits up low-single-digits for the year. Credit metrics are stable: criticized commercial loans improved, nonaccruals modestly higher, net charge-offs 19 bps (guidance 15–25 bps for the year), and allowance at 1.43% of loans. Capital deployment was active: 1.4M shares repurchased, quarterly dividend increased 11% to $0.50, and the bond restructuring was another capital deployment; capital ratios remain strong (TCE 9.93%, CET1 13.3%). Management now assumes no rate cuts in 2026 and expects little adverse impact to NII/NIM. Guidance is unchanged but biased toward the upper end of ranges for revenue and expenses, and buybacks are expected to continue at similar levels subject to market, valuation and growth dynamics.