Hancock Whitney Q3 EPS $1.36; Adjusted $1.66 Beats on OFB Deal, CET1 Drops to 11.53%
HWC sits 35% above its 52-week low of $55.11.
Summary
Hancock Whitney earned $1.36 per share in Q3 ($1.66 adjusted for One Florida Bank deal costs), with NIM up 5 bps to 3.61% but CET1 down 166 bps to 11.53% after the acquisition.
Key Events · Earnings and Guidance · HWC
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Q3 EPS $1.36, Adjusted $1.66
Net income of $110.1 million, or $1.36 per diluted share, includes $30.4 million pretax ($0.30/share) of One Florida Bank acquisition charges; adjusted EPS was $1.66, up $0.11 or 7% from Q2's $1.55.
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OFB Deal Grows Loans and Deposits
Loans rose $2.0 billion to $26.5 billion and deposits $2.5 billion to $32.2 billion, including $1.7 billion of loans and $1.9 billion of deposits acquired from One Florida Bank on August 1, 2026.
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Capital Ratios Drop After Acquisition
CET1 fell to an estimated 11.53% from 13.19% and the tangible common equity ratio to 8.05% from 9.78% linked-quarter, reflecting the deal and buybacks.
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Buyback Nearly Exhausted
One million shares were repurchased in Q3 at an average $77.91; about 1 million shares remain under the 5% (roughly 4.1 million share) authorization that expires December 31, 2026.
Analysis · HWC · Finance
The headline EPS of $1.36 was weighed down by $30.4 million of pretax One Florida Bank acquisition charges; strip those out and adjusted EPS was $1.66, up 7% from Q2 and ahead of last quarter's $1.55 GAAP figure. The balance sheet tells the more important story: the OFB deal added $1.7 billion of loans and $1.9 billion of deposits, but CET1 fell from 13.19% to 11.53% and tangible common equity from 9.78% to 8.05% — still above regulatory minimums, yet a meaningful capital draw. Full-year guidance for low-double-digit loan and deposit growth and double-digit NIM expansion was kept intact, and roughly 1 million shares remain on a buyback that expires December 31, 2026.
How filings like this one have moved
In the 30 days to Oct 20, 2026, 29.2% of the 1466 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.57%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, HWC was trading at $74.65 on NASDAQ in the Finance sector, with a market capitalization of approximately $5.9B. The 52-week trading range was $55.11 to $80.13. This filing was assessed with neutral market sentiment and an importance score of 7 out of 10.