Watch for the One Florida Bank closing on August 1 and integration updates; the stock has already run from $63.59 to $74.72 since Q1, so the in-line print may not be a catalyst by itself. Focus on NIM trajectory in 2H26 and whether the elevated loan growth rate can be sustained.
Price Chart
Executive Summary
Hancock Whitney reported Q2 2026 GAAP EPS of $1.55, exactly in line with consensus, and net income of $127.0M vs $113.5M a year ago. The results reflect strong organic loan and deposit growth (10% and 8% linked-quarter annualized), a stable NIM of 3.56%, and improving credit quality. The company also announced the acquisition of One Florida Bank for $377.6M, expected to close August 1, which is EPS-accretive in the high single digits. Guidance for FY2026 was maintained, with NII (TE) expected up 5.5-6.5%.
Key Financial Metrics
Key Facts
- Q2 2026 EPS $1.55 vs consensus $1.55 (in line)
- Net income $127.0M, up from $113.5M in Q2 2025
- Loans +$588M (+10% LQA), deposits +$548M (+8% LQA)
- NIM (TE) 3.56%, up 1bp linked-quarter
- Adjusted PPNR $178.1M, +3% from Q1
- Net charge-offs 0.16% annualized, criticized loans down to 2.55% of commercial loans
- CET1 ratio 13.18%, TCE ratio 9.78%
- Repurchased 712,966 shares at $68.28 avg price
- Announced acquisition of One Florida Bank for $377.6M cash, expected to close August 1
- FY2026 guidance maintained: NII (TE) +5.5-6.5%, adjusted noninterest income +6-7%
Financial Impact
In-line quarter with $2.5M revenue beat; no material revision to consensus estimates
Risk Factors
- Integration risk from One Florida Bank acquisition
- NIM pressure from potential rate cuts and loan yield compression
- Economic slowdown in Gulf Coast footprint could impact loan demand and credit quality
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-310272 |
| Document: hwc-ex99_2.htm | 0001193125-26-310272 |
| Document: hwc-20260721.htm | 0001193125-26-310272 |
| Document: 0001193125-26-310272-index-headers.html | 0001193125-26-310272 |
| Document: 0001193125-26-310272-index.html | 0001193125-26-310272 |
| Document: 0001193125-26-310272.txt | 0001193125-26-310272 |
| 8-K Data (Synthetic) | 0001193125-26-310272 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 20, 2026 5d ago | 8-K | $72.30 | awaiting T+20 | — | $73.91 (+2.23%) |
Aug 3, 2026 12w ago | 8-K | $77.76 $74.49 | ▼ −4.21% | ▼ −5.44% | $73.91 (−4.95%) |
Jul 21, 2026 13w ago | 8-K | $76.40 $76.13 | ▼ −0.35% | ▼ −3.25% | $73.91 (−3.26%) |
Jul 20, 2026 14w ago | 8-K | $77.29 $78.84 | ▲ +2.01% | ▼ −2.12% | $73.91 (−4.37%) |
US Market Status
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