Hancock Whitney Earnings Call Transcripts
Fiscal Year 2026
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The meeting highlighted strong 2025 financial results, increased dividends, and strategic growth through acquisitions and share repurchases. All board proposals passed, and the board reaffirmed its focus on shareholder value and disciplined risk management.
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Solid Q1 2026 results with improved profitability, NIM expansion, and strong capital. Loan growth guidance remains mid-single digits, supported by new banker hires and robust pipelines. Fee income and margin outlooks are positive, with continued capital returns and proactive risk management.
Fiscal Year 2025
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Fourth quarter 2025 saw strong earnings, improved efficiency, and robust loan and deposit growth. 2026 guidance calls for mid-single-digit loan growth, modest NIM expansion, and continued investments in talent and technology, with capital ratios remaining strong.
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Strong Q3 results featured higher profitability, stable margins, and record fee income, with continued organic growth and disciplined expense control. Loan growth was offset by elevated paydowns, but capital ratios remain robust and expansion in Dallas is underway.
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Second quarter results showed strong profitability, NIM expansion, and robust loan growth, with fee income boosted by the Sabal Trust acquisition. Capital ratios remain solid, and guidance calls for continued modest NIM expansion, stable credit, and ongoing share repurchases.
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Q1 2025 saw strong profitability, capital growth, and fee income expansion, with NIM rising and expenses well controlled. Guidance was updated for the Sabal Trust acquisition, with loan and deposit growth expected in the second half of the year and continued focus on capital return and hiring in growth markets.
Fiscal Year 2024
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Fourth quarter profitability improved with ROA at 1.40% and strong capital ratios. Mid-single digit loan growth and low single digit deposit growth are expected in 2025, supported by organic expansion and the Sabal Trust acquisition, which will boost wealth management in Florida.
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Third quarter results featured higher profitability, NIM expansion, and strong fee income, with capital ratios at top quartile levels. Loan balances declined due to SNC reductions and CRE payoffs, but credit quality remains strong. Modest NIM expansion and expense growth are expected in Q4.
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Second quarter 2024 saw strong earnings, NIM expansion, and robust capital ratios, with continued balance sheet repositioning and disciplined cost control. Guidance calls for flat-to-slightly-down loans and deposits, modest NIM growth, and ongoing capital returns to shareholders.