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FHN vs HWC
First Horizon (FHN) vs Hancock Whitney (HWC) Earnings Preview: Q1 Results in Focus
Key Takeaways
- First Horizon (FHN) reports Q1 2026 earnings on April 15, with consensus EPS of $0.49 and revenue of $869 million.
- Hancock Whitney (HWC) follows on April 21, expecting EPS of $1.50 and revenue around $393 million.
- Both regional banks showed strong Q4 2025 results: FHN EPS $0.52 (beat estimates), HWC EPS $1.49 (slight beat).
- FHN assets ~$84B, loans $63B, deposits $67B; HWC smaller at $35B assets, $24B loans, $29B deposits.
- Recent NIM stable at ~3.5% for both; credit quality solid with ACL ratios 1.3-1.4%.
- Tickeron AI favors HWC for superior ROTCE and per-share profitability.
Earnings Context and Why This Comparison Matters
Quarterly earnings remain pivotal for regional banks like First Horizon (FHN) and Hancock Whitney (HWC), revealing insights into net interest income (NII, interest revenue minus funding costs), loan growth, deposit trends, and credit provisions amid shifting rates. Both operate in the Southeast U.S., competing in commercial real estate, healthcare, and small business lending. FHN's larger scale offers diversified revenue, while HWC emphasizes efficiency. Upcoming Q1 reports on April 15 and 21 will highlight NII resilience and expense control, influencing investor views on regional bank stability.
First Horizon Focus
First Horizon (FHN), a Memphis-based regional bank, will release Q1 2026 results on April 15 before market open, followed by a 9:30 AM ET conference call. Analysts project EPS of $0.49, up from $0.42 last year, and revenue of $869 million, reflecting 7% growth. Key watches include NII, after Q4 2025's $676 million (up 7% YoY) and NIM of 3.51%. Loans grew 2% sequentially to $63.3 billion, driven by commercial and industrial portfolios, with deposits stable at $67.5 billion. Credit remains strong: no Q4 provision, ACL (allowance for credit losses) at 1.31% of loans, nonperforming assets (NPA) ~1%. ROTCE (return on tangible common equity) hit 15% in Q4, underscoring profitability.
Hancock Whitney Context
Hancock Whitney (HWC), headquartered in Gulfport, MS, reports Q1 2026 on April 21 after close. Consensus calls for EPS $1.50 and revenue ~$393 million. In Q4 2025, EPS was $1.49 (met estimates), with net income $126 million. Loans rose 6% annualized to $24 billion (healthcare, equipment finance), deposits up 9% LQA to $29.3 billion. NIM held at 3.48%, provision $13 million, NCOs (net charge-offs) 0.22% annualized. ACL 1.43%, NPAs 0.45%, criticized loans down to 2.88%. Full-year 2025 EPS $5.67, with 2026 NII growth outlook of 5-6%.
Head-to-Head Earnings and Market Comparison
FHN dwarfs HWC in scale (assets $84B vs $35B), enabling broader revenue but higher expense base. Q4 EPS favors HWC ($1.49 vs FHN $0.52), reflecting higher per-share earnings from smaller float. NIM comparable at 3.5%, with both benefiting from deposit cost declines. Loan/deposit ratios healthy (FHN ~94%, HWC 82%). Credit metrics strong: FHN NPAs 1%, HWC 0.45%; provisions low. FHN's ROTCE 15% matches HWC's efficiency. Risks include rate sensitivity and CRE exposure, but CET1 ratios exceed 13% for both. Sentiment tilts to FHN for growth potential, HWC for returns.
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Tickeron AI Verdict
Tickeron AI favors HWC (65% probability) over FHN due to superior ROTCE, higher EPS efficiency, and stronger 2026 NII guidance, despite FHN's scale advantage.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FHN is a Buy and HWC is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
FHN’s FA Score shows that 1 FA rating(s) are green whileHWC’s FA Score has 2 green FA rating(s).
- FHN’s FA Score: 1 green, 4 red.
- HWC’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
FHN’s TA Score shows that 5 TA indicator(s) are bullish while HWC’s TA Score has 5 bullish TA indicator(s).
- FHN’s TA Score: 5 bullish, 2 bearish.
- HWC’s TA Score: 5 bullish, 4 bearish.
Price Growth
FHN (@Regional Banks) experienced а +0.32% price change this week, while HWC (@Regional Banks) price change was -0.56% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.68%, and the average quarterly price growth was +13.55%.
Reported Earning Dates
FHN is expected to report earnings on Jul 15, 2026.
HWC is expected to report earnings on Jul 21, 2026.
Industries' Descriptions
@Regional Banks (+1.31% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| FHN | HWC | FHN / HWC | |
| Capitalization | 11.8B | 5.84B | 202% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 5.326 | 12.827 | 42% |
| P/E Ratio | 12.47 | 14.56 | 86% |
| Revenue | 3.37B | 1.44B | 235% |
| Total Cash | 889M | 556M | 160% |
| Total Debt | 3.29B | 1.68B | 196% |
FHN | HWC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 23 | 31 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 43 Fair valued | 47 Fair valued | |
PROFIT vs RISK RATING 1..100 | 62 | 38 | |
SMR RATING 1..100 | 14 | 23 | |
PRICE GROWTH RATING 1..100 | 47 | 45 | |
P/E GROWTH RATING 1..100 | 62 | 24 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
FHN's Valuation (43) in the Regional Banks industry is in the same range as HWC (47). This means that FHN’s stock grew similarly to HWC’s over the last 12 months.
HWC's Profit vs Risk Rating (38) in the Regional Banks industry is in the same range as FHN (62). This means that HWC’s stock grew similarly to FHN’s over the last 12 months.
FHN's SMR Rating (14) in the Regional Banks industry is in the same range as HWC (23). This means that FHN’s stock grew similarly to HWC’s over the last 12 months.
HWC's Price Growth Rating (45) in the Regional Banks industry is in the same range as FHN (47). This means that HWC’s stock grew similarly to FHN’s over the last 12 months.
HWC's P/E Growth Rating (24) in the Regional Banks industry is somewhat better than the same rating for FHN (62). This means that HWC’s stock grew somewhat faster than FHN’s over the last 12 months.
| FHN | HWC | |
|---|---|---|
| RSI ODDS (%) | N/A | 2 days ago 76% |
| Stochastic ODDS (%) | 2 days ago 54% | 2 days ago 70% |
| Momentum ODDS (%) | 2 days ago 51% | 2 days ago 66% |
| MACD ODDS (%) | 2 days ago 62% | 2 days ago 58% |
| TrendWeek ODDS (%) | 2 days ago 51% | 2 days ago 62% |
| TrendMonth ODDS (%) | 2 days ago 53% | 2 days ago 61% |
| Advances ODDS (%) | 12 days ago 57% | 2 days ago 63% |
| Declines ODDS (%) | N/A | 8 days ago 66% |
| BollingerBands ODDS (%) | 2 days ago 56% | 2 days ago 76% |
| Aroon ODDS (%) | 2 days ago 49% | 2 days ago 49% |
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FHN and
Correlation & Price change
A.I.dvisor indicates that over the last year, FHN has been closely correlated with HWC. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if FHN jumps, then HWC could also see price increases.
HWC and
Correlation & Price change
A.I.dvisor indicates that over the last year, HWC has been closely correlated with UCB. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if HWC jumps, then UCB could also see price increases.
| Ticker / NAME | Correlation To HWC | 1D Price Change % | ||
|---|---|---|---|---|
| HWC | 100% | +0.78% | ||
| UCB - HWC | 87% Closely correlated | +1.61% | ||
| UBSI - HWC | 87% Closely correlated | +1.17% | ||
| FNB - HWC | 87% Closely correlated | +0.71% | ||
| ASB - HWC | 87% Closely correlated | +0.62% | ||
| FULT - HWC | 87% Closely correlated | +0.66% | ||
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