Hancock Whitney (HWC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$73.26+0.88%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · HWC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -1.3% |
| Our one-year growth estimate | diamond | 8.3% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 9.6 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
HWC — earnings in line
Dated 2026-07-21
Results of Operations and Financial Condition. On July 21, 2026, Hancock Whitney Corporation (the “ Company ”) announced financial results for its second quarter ended June 30, 2026. A copy of this press release and the accompanying financial statements are attached hereto as Exhibit 99.1 and is incorporated by reference into this
Why it matters: HWC's margin rose to 3.61% in Q3, but higher deposit costs cut into that gain. A lower margin would weaken earnings from loans and deposits.
Worry ifQ4 net interest margin falls below 3.61%.
Less concerning ifQ4 net interest margin stays at or above 3.61%, and deposit costs do not rise faster than loan yields.
Why it matters: HWC's estimated CET1 ratio fell to 11.53% in Q3. A further sharp drop could limit capital for growth and share returns.
Worry ifThe next reported CET1 ratio falls below 11.0%.
Less concerning ifThe next reported CET1 ratio stays at or above 11.53%, or rises from that level.
Why it matters: Nonaccrual loans rose in Q3, even as criticized commercial loans fell. A further rise would point to more loans missing payments.
Worry ifQ4 nonaccrual loans exceed $133.3 million, or 0.50% of total loans.
Less concerning ifQ4 nonaccrual loans fall below $133.3 million and net charge-offs stay at or below 0.16% of average loans.
Why it matters: The OFB deal closed on August 1. A smooth systems move would support the plan to bring the bank into HWC.
Supportive ifHWC completes the OFB systems conversion in Q4 2026. It reports no service disruption or extra conversion charge.
Worry ifThe conversion slips past Q4 2026, or HWC reports a service disruption or added conversion charge.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$87 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $191 loss on $10,000 · 1.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,744 loss on $10,000 · 17.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.