HWC · Hancock Whitney Corp
$75.38
-0.28 (-0.37%)
At close · Aug 21
Market Cap
$6.05B
Shares
80.22M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$75.38
Open$76.29
Day$75.21–76.59
52W close$54.52–79.78
Avg vol 30d835K
Short int5.1M · 6.3% float · 4.9d
Short vol60%
Last earningsJul 21, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Oct 20, 2026
Est · unconfirmed
· in 8 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Weak
Quant / Vol
Low
Market backdrop
VIX 15.1 · calm
Equity put/call 0.51
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+10%
above
Price vs 50-day avg
−0%
below
RSI (14)
42
neutral
MACD trend
Negative
52-week position
83%
mid-range
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+13%
trailing
YTD return
+18%
this year
Relative strength
+1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $76 › 200d $68 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +52 funds added
Insider flow
Distributing
Net -$2.1M over 90 days · 100% sells
Short interest
Falling
6.32% of float · ▼ -15.0% MoM · 4.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
394 holders — near 3-yr high, broad support
Squeeze score
54
elevated · 0–100
Fundamentals
Revenue growth
−0%
Y/Y
EPS growth
+7%
Y/Y
Free cash flow
$523.1M
Valuation
P/E 14.8
in line
Balance sheet
$1.2B
net debt
Quant / Vol
risk profile
Volatility
25%
annualized · 1-yr
Max drawdown
−18%
past year
ATR
2.0%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 21, 2026
FY 2026 Excluding OFB
Net Interest Income (te), compared to FY25
Initiated
5.5% – 6.5%
Net charge-offs
Initiated
0.15% – 0.25%
Adjusted Noninterest Expense, compared to FY25
Non-GAAP
Initiated
5.5% – 6.5%
FY 2026 Outlook, Excluding OFB
Adjusted Noninterest Income
Non-GAAP
Initiated
6% – 7%
Efficiency Ratio
Non-GAAP
up to 55%
Prior guidance
period ended
· from the 8-K filed Oct 14, 2025
Net charge-offs to average loans
· FY 2025
0.15% – 0.25%
Efficiency Ratio
· FY 2025
54% – 56%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+10%
Bullish
Price vs 50-day avg
−0%
Neutral
RSI (14)
42
Neutral
MACD trend
Negative
Bearish
52-week position
83%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $76 › 200d $68 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +52 funds added
Insider flow
Distributing
Net -$2.1M over 90 days · 100% sells
Short interest
Falling
6.32% of float · ▼ -15.0% MoM · 4.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
394 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $55
Now $75 · 83%
Range high $80
vs 200-day avg +10%
vs 50-day avg 0%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Annualized net charge-offs as a percentage of average loans | 0.16% | the second quarter of 2026 filing | — |
| Annualized net charge-offs to average loans | 0.16% | three months ended June 30, 2026 filing | — |
| Adjusted pre-provision net revenue (PPNR) non-GAAP | $178.1M | second quarter 2026 | — |
|
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GAAP → non-GAAP reconciliationGAAP Pre-provision net revenue (TE) 178.14M
+0K Loss on securities portfolio restructure
+0K Sabal Trust Company acquisition expense
= Adjusted pre-provision net revenue (TE) 178.14M
|
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| Adjusted ROA non-GAAP | 1.42% | Q2 FY2026 | — |
|
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| Adjusted ROTCE non-GAAP | 14.84% | 2Q26 | — |
| Allowance for Credit Losses (ACL) | 348M | Q2 FY2026 | — |
| ATMs | 226 | 2Q26 | — |
| Banking locations | 182 | 2Q26 | — |
| Cash and O/N + Net Availability | $19.55B | Q2 2026 | — |
| Cash and O/N + Net Availability to Adj. Uninsured deposits | 157.99% | Q2 2026 | — |
| Cash and O/N as a % of Assets | 3% | Q2 2026 | — |
| CET1 ratio | 13.18% | second quarter 2026 | — |
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| Criticized commercial loans | $492M | second quarter 2026 | — |
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| DDA as % of total deposits | 35% | 2Q26 | — |
| Efficiency ratio | 55.31% | second quarter 2026 | — |
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| FTE employees | 3,700 | 2Q26 | — |
| Insured Cash Sweep (ICS) balances | $263M | Q2 2026 | — |
| Leverage (Tier 1) ratio | 10.87% | Q2 FY2026 | — |
| Line utilization | 41.1% | 2Q26 | — |
| Net Availability | $18.46B | Q2 2026 | — |
| NIM | 3.56% | second quarter 2026 | — |
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| Nonaccrual loans | $113.7M | second quarter 2026 | — |
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| Ratio of ACL to period-end loans | 1.42% | second quarter 2026 | — |
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| Repurchase (Repo) agreements | $621M | Q2 2026 | — |
| Reserve build | 4.4M | Q2 FY2026 | — |
| ROA | 1.42% | second quarter 2026 | — |
| ROTCE non-GAAP | 14.84% | Q2 FY2026 | — |
| TCE ratio non-GAAP | 9.78% | second quarter 2026 | — |
|
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| Total Available Sources of Funding | $20.45B | Q2 2026 | — |
| Total risk-based capital ratio | 14.97% | second quarter 2026 | — |
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| Uninsured deposits (adjusted for collateralized public funds) | 41.8% | Q2 2026 | — |
| FTE headcount | 3,627 | Q4 2025 | — |
| Tangible book value per share (period-end) | $42.16 | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
HWC
this stock
Hancock Whitney Corp
|
$6.05B | +18.4% | -0.4% | 14.8 | 6.3% |
|
MFG
Mizuho Financial Group Inc
|
$124.89B | +40.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.23B | -35.4% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$101.11B | +19.4% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| HWC | -5.5% | -1.1% | +12.7% | -2.1% | +18.4% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | -4.2% | -4.7% | +1.1% | -4.6% | +6.1% |
Capital returns
Latest dividend
$0.50
/ share · ex Jun 5, 2026
Declared · upcoming
$0.50
/ share · ex Sep 4, 2026
Paid (TTM)
$1.90
/ share · 4 payouts
Dividend yield (TTM, derived)
2.52%
Buyback program
· as of Dec 10, 2025
Authorized
shares 4.10M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
750577
CUSIP
410120109
13F (30d)
339 filings
318 filers
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