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Hancock Whitney (HWC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

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For the quarter ended September 2026, Hancock Whitney (HWC - Free Report) reported revenue of $420.12 million, up 8.9% over the same period last year. EPS came in at $1.66, compared to $1.49 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $418.85 million, representing a surprise of +0.3%. The company delivered an EPS surprise of +0.61%, with the consensus EPS estimate being $1.65.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Hancock Whitney performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net interest margin (TE): 3.6% compared to the 3.6% average estimate based on six analysts.
  • Efficiency Ratio: 54.5% compared to the 56.2% average estimate based on six analysts.
  • Total net charge-offs as a percentage of average loans: 0.2% compared to the 0.2% average estimate based on five analysts.
  • Average Balance - Earning assets: $34.77 billion versus $34.61 billion estimated by four analysts on average.
  • Nonaccrual loans: $133.34 million versus the three-analyst average estimate of $113.74 million.
  • Total nonaccrual loans + ORE and foreclosed assets (Total nonperforming assets): $144.26 million versus the three-analyst average estimate of $126.45 million.
  • Total Noninterest Income: $107.01 million compared to the $110.13 million average estimate based on six analysts.
  • Net interest income (TE): $314.9 million versus $310.11 million estimated by six analysts on average.
  • Net Interest Income: $313.11 million versus $308.86 million estimated by five analysts on average.
  • Secondary mortgage market operations: $2.86 million compared to the $3.78 million average estimate based on four analysts.
  • Bank card and ATM fees: $22.98 million versus the four-analyst average estimate of $23.36 million.
  • Investment and annuity fees and insurance commissions: $13.87 million compared to the $15.33 million average estimate based on four analysts.

View all Key Company Metrics for Hancock Whitney here>>>

Shares of Hancock Whitney have returned -2.7% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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