Q1 2026 Hancock Whitney Corp Earnings Call Transcript
Key Points
- Hancock Whitney Corp (HWC) reported a solid start to 2026 with an adjusted ROA of 1.43%, ROTCE of 14.64%, and EPS of $1.52, all improved from the prior quarter.
- The company welcomed 27 net new revenue producers, which is expected to drive meaningful balance sheet growth and profitability improvement throughout 2026.
- Net interest margin expanded by 7 basis points due to higher securities yields and lower cost of funds.
- HWC continued to return capital to shareholders by repurchasing 1.4 million shares and increasing the quarterly cash dividend by 11% to $0.50 per share.
- The company maintained a strong capital position with a TCE of 9.93% and a common equity Tier 1 ratio of 13.3%.
- Loan production totaled $1.2 billion, down from the previous quarter, although up compared to the same quarter last year.
- Deposits decreased by $198 million or 3% annualized due to seasonal public funds outflows.
- Retail time deposits were down $149 million due to maturities during the quarter.
- Net charge-offs were 19 basis points, slightly down from the prior quarter's 22 basis points, but still a concern.
- The company's fee income was essentially flat with the last quarter, down by $1 million, driven by lower specialty income.
Good day, ladies and gentlemen, and welcome to Hancock Whitney Corporation's first quarter 2026 earnings conference call. (Operator Instructions) As a reminder, this call may be recorded.
And I would now like to introduce your host for today's conference, Kathryn Mistich, Investor Relations Manager. You may begin.
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
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