HWC

EX-99.1

2 hwc-ex99_1.htm

EX-99.1

EX-99.1

Exhibit 99.1

FOR IMMEDIATE RELEASE

October 20, 2026

For more information

Ashleigh Flower Wilshire, SVP, Head of Investor Relations

504.299.5076 or ashleigh.wilshire@hancockwhitney.com

Hancock Whitney reports third quarter 2026 EPS of $1.36

GULFPORT, Miss. (October 20, 2026) — Hancock Whitney Corporation (Nasdaq: HWC) today announced its financial results for the third quarter of 2026. Net income for the third quarter of 2026 totaled $110.1 million, or $1.36 per diluted common share (EPS), compared to $127.0 million, or $1.55 per diluted common share, in the second quarter of 2026. On August 1, 2026, Hancock Whitney closed the acquisition of OFB Bancshares, Inc., the parent company of One Florida Bank (“OFB”). Third quarter 2026 results include a pretax charge of $30.4 million, or $0.30 per share, of supplemental disclosure items related to the acquisition of OFB. Excluding the impact of these supplemental disclosure items, EPS would be $1.66, up $0.11 linked-quarter. There were no supplemental disclosure items in the second quarter of 2026. The company reported net income for the third quarter of 2025 of $127.5 million, or $1.49 per diluted common share. There were no supplemental disclosure items in the third quarter of 2025.

Third Quarter 2026 Highlights

• Net income totaled $110.1 million, or $1.36 per diluted common share, compared to$127.0 million, or $1.55 per diluted common share in the second quarter of 2026; adjusted net income totaled $134.1 million, or $1.66 per diluted share

• Adjusted pre-provision net revenue (PPNR) totaled $189.3 million, up $11.2 million, or 6% from the prior quarter

• Loans increased $2.0 billion

• Deposits increased $2.5 billion

• Criticized commercial loans decreased and nonaccrual loans increased compared to the second quarter of 2026

• ACL coverage remained at 1.42%, unchanged from the prior quarter

• NIM of 3.61%, up 5 bp from the prior quarter

• CET1 ratio estimated at 11.53%, compared to 13.19% in the prior quarter; TCE ratio of 8.05% compared to 9.78% in the prior quarter

• Efficiency ratio of 54.46%, down 85 bps linked-quarter, compared to 55.31% in the prior quarter

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“We are pleased to share another quarter of solid results for the third quarter of 2026,” said John M. Hairston, President & CEO. “Profitability remains strong with adjusted EPS of $1.66, up 7% from prior quarter, adjusted ROA of 1.41%, and an improved efficiency ratio of 54.46%. We delivered strong loan and deposit growth, while NIM expanded 5 basis points to 3.61%. Our criticized loan levels decreased during the quarter and our ACL remains robust at 1.42%. On August 1, we were pleased to welcome new colleagues and clients through the acquisition of One Florida Bank. As 2026 draws to a close, we remain committed to executing on our organic growth plan and maintaining operational efficiency and a strong capital position.”

Loans

Total loans were $26.5 billion at September 30, 2026, up $2.0 billion, or 8%, from June 30, 2026. Loan growth included $1.7 billion in loans acquired from OFB, as well as a legacy and post-acquisition increase in commercial real estate across multiple products and continued growth in equipment finance.

Average loans totaled $25.8 billion for the third quarter of 2026, up $1.4 billion, or 6%, linked-quarter.

Deposits

Total deposits at September 30, 2026 were $32.2 billion, up $2.5 billion, or 9%, from June 30, 2026. Deposit growth included $1.9 billion in deposits acquired from OFB, as well as legacy and post-acquisition activity including an increase in interest-bearing transactions and savings deposits, offset by decreases in noninterest-bearing deposits, retail time deposits and interest-bearing public fund deposits.

Noninterest-bearing deposits totaled $10.6 billion at September 30, 2026, up $217.9 million, or 2%, from June 30, 2026, and comprised 33% of total period-end deposits. This increase included $418.7 million of noninterest-bearing deposits acquired from OFB.

Interest-bearing transaction and savings deposits totaled $15.5 billion at the end of the third quarter of 2026, up $2.5 billion, or 19%, linked-quarter, including $1.2 billion acquired from OFB, and legacy and post-acquisition increases due to competitive products and pricing.

Interest-bearing public fund deposits totaled $2.6 billion at September 30, 2026, down $309.0 million, or 11%, linked-quarter, including $15.5 million acquired from OFB, and decreases due largely to seasonal outflows from our legacy public funds. Compared to June 30, 2026, retail time deposits of $3.6 billion were up $174.2 million, or 5%, including $203.0 million acquired from OFB, partially offset by a net reduction driven by maturities and repricing during the third quarter of 2026.

Average deposits for the third quarter of 2026 were $30.9 billion, up $2.1 billion, or 7%, linked-quarter.

Asset Quality

The total allowance for credit losses (ACL) was $375.8 millio

EX-99.1

2 hwc-ex99_1.htm

EX-99.1

EX-99.1

Exhibit 99.1

FOR IMMEDIATE RELEASE

July 21, 2026

For more information

Ashleigh Flower Wilshire, SVP, Head of Investor Relations

504.299.5076 or ashleigh.wilshire@hancockwhitney.com

Hancock Whitney reports second quarter 2026 EPS of $1.55

GULFPORT, Miss. (July 21, 2026) — Hancock Whitney Corporation (Nasdaq: HWC) today announced its financial results for the second quarter of 2026. Net income for the second quarter of 2026 totaled $127.0 million, or $1.55 per diluted common share (EPS), compared to $47.4 million, or $0.57 per diluted common share, in the first quarter of 2026. First quarter 2026 results include a pretax charge of $98.6million, or $0.95 per share, of a supplemental disclosure item related to a net loss on securities portfolio restructure. There were no supplemental disclosure items in the second quarter of 2026. The company reported net income for the second quarter of 2025 of $113.5 million, or $1.32 per diluted common share. The second quarter of 2025 included $5.9 million, or $0.05 per diluted common share, of supplemental disclosure items related to the acquisition of Sabal Trust Company.

Second Quarter 2026 Highlights

• Net income totaled $127.0 million, or $1.55 per diluted share, compared to $47.4 million, or $0.57 per diluted share in the first quarter of 2026

• Adjusted pre-provision net revenue (PPNR) totaled $178.1 million, up $5.2 million, or 3% from the prior quarter

• Loans increased $588 million, or 10% linked quarter annualized (LQA)

• Deposits increased $548 million, or 8% LQA

• Criticized commercial loans decreased and nonaccrual loans were virtually flat compared to the first quarter of 2026

• ACL coverage solid at 1.42%

• NIM of 3.56%, up 1 bp from the prior quarter

• CET1 ratio estimated at 13.18%, down 11 bps linked-quarter; TCE ratio of 9.78%, down 15 bps linked-quarter; total risk-based capital ratio estimated at 14.97%, down 13 bps linked-quarter

• Efficiency ratio of 55.31%, compared to 55.43% in the prior quarter

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“The second quarter of 2026 results reflect another quarter of strong performance,” said John M. Hairston, President & CEO. “Our team delivered exceptional progress on our organic growth plan with loan growth of 10% and deposit growth of 8%, linked quarter annualized. We remained focused on our investment in revenue-generating activities, including hiring 15 net new bankers in the second quarter. Profitability remains solid with EPS of $1.55, ROA of 1.42%, an efficiency ratio of 55.31%, and continued fee income growth and well-controlled expenses. Our criticized loan levels decreased during the quarter and our ACL remains robust at 1.42%. We also announced the acquisition of One Florida Bank this quarter and expect to close the transaction on August 1. We look forward to the remainder of 2026 as we continue to execute our organic growth plan and welcome the One Florida Bank associates and clients to Hancock Whitney.”

Loans

Total loans were $24.6 billion at June 30, 2026, up $588.3 million, or 2%, from March 31, 2026. Loan growth was driven primarily by an increase in C&I lending, healthcare activity, and commercial real estate across multiple products.

Average loans totaled $24.3 billion for the second quarter of 2026, up $373.9 million, or 2%, linked-quarter.

Deposits

Total deposits at June 30, 2026 were $29.6 billion, up $547.6 million, or 2%, from March 31, 2026. Deposit growth was driven primarily by an increase in interest-bearing transactions and savings, offset by decreases in retail time deposits and interest-bearing public fund deposits.

Noninterest-bearing deposits totaled $10.3 billion at June 30, 2026, virtually flat from March 31, 2026, and comprised 35% of total period-end deposits.

Interest-bearing transaction and savings deposits totaled $13.0 billion at the end of the second quarter of 2026, up $785.0 million, or 6%, linked-quarter due to competitive products and pricing.

Interest-bearing public fund deposits decreased $56.9 million, or 2%, linked-quarter, totaling $2.9 billion at June 30, 2026. The decrease in interest-bearing public fund deposits was driven by seasonal outflows. Compared to March 31, 2026, retail time deposits of $3.4 billion were down $172.4 million, or 5%, driven by maturities and repricing during the second quarter of 2026.

Average deposits for the second quarter of 2026 were $28.8 billion, down $53.8 million, or less than 1%, linked-quarter.

Asset Quality

The total allowance for credit losses (ACL) was $348.0 million at June 30, 2026, up $4.3 million, or 1% from March 31, 2026. During the second quarter of 2026, the company recorded a provision for credit losses of $13.8 million, compared to $13.2 million in the first quarter of 2026. There were $9.4 million of net charge-offs in the second quarter of 2026, or 0.16% of average total loans on an annualized basis, compared to net charge-offs of $11.1 million, or 0.19% of average total loans in th

EX-99.1

2 hwc-ex99_1.htm

EX-99.1

EX-99.1

Exhibit 99.1

FOR IMMEDIATE RELEASE

April 21, 2026

For more information

Kathryn Shrout Mistich, SVP, Investor Relations Manager

504.539.7836 or kathryn.mistich@hancockwhitney.com

Hancock Whitney reports first quarter 2026 EPS of $0.57

GULFPORT, Miss. (April 21, 2026) — Hancock Whitney Corporation (Nasdaq: HWC) today announced its financial results for the first quarter of 2026. Net income for the first quarter of 2026 totaled $47.4 million, or $0.57 per diluted common share (EPS), compared to $125.6 million, or $1.49 per diluted common share, in the fourth quarter of 2025. The first quarter of 2026 included a pretax charge of $98.6 million, or $0.95 per share, of a supplemental disclosure item related to a net loss on the securities portfolio restructure. Excluding the impact of the supplemental disclosure item, EPS would be $1.52, up $0.03 linked-quarter. The company reported net income for the first quarter of 2025 of $119.5 million, or $1.38 per diluted common share. There were no supplemental disclosure items in the first or fourth quarters of 2025.

First Quarter 2026 Highlights

• Net income totaled $47.4 million, or $0.57 per diluted share, compared to $125.6 million, or $1.49 per diluted share in the fourth quarter of 2025

• Adjusted pre-provision net revenue (PPNR) totaled $172.9 million, compared to $174.0 million in the prior quarter

• Loans increased $33 million, or 1% linked quarter annualized (LQA)

• Deposits decreased $198 million, or 3% LQA

• Criticized commercial loans decreased and nonaccrual loans increased

• ACL coverage solid at 1.43%

• NIM of 3.55%, up 7 bps from the prior quarter

• CET1 ratio estimated at 13.30%, down 35 bps linked-quarter; TCE ratio of 9.93%, down 13 bps linked-quarter; total risk-based capital ratio estimated at 15.10%, down 35 bps linked-quarter

• Efficiency ratio of 55.43%, compared to 54.93% in the prior quarter

“The first quarter of 2026 was a solid start to the year,” said John M. Hairston, President & CEO. “Our diluted earnings per share, adjusted for the supplemental disclosure item, was $1.52, up from $1.49 in prior quarter. Profitability remains strong, with adjusted ROA of 1.43%, an efficiency ratio of 55.43%, and solid fee income and well-controlled expenses. With a focus on sustainable long-term organic balance sheet growth, we continue to invest in revenue-generating activities, including hiring 27 net new bankers in the first quarter. NIM grew 7 basis points to 3.55%, largely due to the completion of our bond portfolio restructuring and lower costs of funds, which more than offset the impact of lower loan yields in this rate environment. We started 2026 by proactively returning capital to shareholders through repurchasing 1.4 million shares of our common stock

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and the 11% increase in our common stock dividend to $0.50 per share. With a solid capital stack, we believe we are well-positioned for continued organic growth and proactive capital management in the remainder of 2026.”

Loans

Total loans were $24.0 billion at March 31, 2026, up $33.4 million, or less than 1%, from December 31, 2025. Loan growth was driven primarily by an increase in commercial real estate across multiple products and continued growth in equipment finance.

Average loans totaled $24.0 billion for the first quarter of 2026, up $250.2 million, or 1%, linked-quarter. For 2026, we expect year-over-year mid-single digit end of period loan growth.

Deposits

Total deposits at March 31, 2026 were $29.1 billion, down $197.6 million, or 1%, from December 31, 2025.

Noninterest-bearing DDAs totaled $10.3 billion at March 31, 2026, down $30.1 million, or less than 1%, from December 31, 2025, and comprised 36% of total period-end deposits. The linked-quarter decrease in noninterest-bearing DDAs was related to a decrease in public funds DDAs of $75.5 million in the first quarter of 2026 due to seasonal outflows, partially offset by an increase of $45.4 million in non-public funds DDAs.

Interest-bearing transaction and savings deposits totaled $12.2 billion at the end of the first quarter of 2026, up $261.2 million, or 2%, linked-quarter. This increase was due to competitive products and pricing.

Compared to December 31, 2025, retail time deposits of $3.6 billion were down $148.7 million, or 4%, driven by maturity concentration and promotional rate reductions during the first quarter of 2026. Interest-bearing public fund deposits decreased $280.0 million, or 9%, linked-quarter, totaling $2.9 billion at March 31, 2026. The decrease in interest-bearing public funds was driven by seasonal outflows.

Average deposits for the first quarter of 2026 were $28.8 billion, up $18.2 million, or 1%, linked-quarter. Management expects 2026 period-end deposits to be up low-single digits from December 31, 2025 levels.

Asset Quality

The total allowance for credit losses (ACL) was $343.7 million at March 31, 2026, up $2.0 million from December