Hancock Whitney
Traditional and online banking, financial services
ALM Analyst
About the job
- A bachelor's degree in Mathematics, Statistics, Business, Accounting, Finance, or another related field is required.
- One to three years of experience performing analysis of large, complex time-series data is required, preferably in Asset/Liability Management.
- A basic understanding of banking, financial services, or the investment industry is required.
- An experienced-level understanding of accounting principles, including balance sheet and income statement composition, is required.
- A basic understanding of analytical techniques used with large, complex time-series data is required.
- An experienced-level understanding of financial risk models and quantitative analysis is required.
- Experienced-level proficiency in Microsoft Office products, including Word, Excel, Access, PowerPoint, and SharePoint, is required.
- The incumbent must comply with applicable federal, state, and local banking and industry-related laws and regulations, including the Bank Secrecy Act.
- The ability to lift, move, or carry approximately 25 pounds is required when necessary to perform essential job functions.
- Gather and analyze data regarding the organization’s assets and liabilities across economic and management-defined scenarios.
- Develop and continually recalibrate modeling assumptions used for interest rate risk, liquidity risk, balance sheet management, and capital stress testing.
- Learn to operate and support the Empyrean Model, a vendor model used for interest rate risk, liquidity risk, balance sheet management strategies, and capital stress testing.
- Prepare analyses and reports for Senior Management and the Board Risk Committee.
- Participate as a member of ALCO management subcommittees covering interest rate risk, funding and liquidity, deposit pricing, and loan pricing.
- Attend STRESSCO capital stress testing committee meetings as requested.
- Perform other duties and special projects as assigned by Senior Management.
- Experience operating vendor financial or risk models and performing quantitative analysis is preferred.
- Experience analyzing large, complex time-series data in Asset/Liability Management is preferred.
About the company
Hancock Whitney is a regional bank with more than $35 billion in assets that serves Mississippi, Alabama, Florida, Louisiana, and Texas, plus loan offices in Nashville and Atlanta. It offers traditional and online banking, commercial and small-business banking, private banking, trust and investment services, healthcare banking, and mortgage lending. The company helps clients manage money, borrow, invest, and plan for future needs through its network of offices and online platforms. Its goal is to be a trusted financial partner by upholding values of honor, integrity, strength, service, teamwork, and personal responsibility while supporting communities and associates.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
Gulfport, Mississippi
Founded
1899
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Simplify's Take
What believers are saying
- Q2 2026 revenue rose 6.9% to $401 million, with margin holding at 3.6%.
- OFB adds $2.1 billion in assets and $1.9 billion in deposits, boosting Orlando presence.
- Wealth assets topped $49 billion after Sabal, creating fee income beyond traditional lending.
What critics are saying
- The January 2026 securities restructure took a $98.6 million pretax loss, hitting near-term earnings.
- Commercial real estate remains a major concentration; 2026 integration layers more execution risk.
- If Florida deposit gathering disappoints, the OFB deal becomes an expensive footprint expansion.
What makes Hancock Whitney unique
- Hancock Whitney pairs Gulf South branch density with new Orlando scale after August 2026 OFB closing.
- Management keeps expanding through acquisitions, adding Sabal Trust in 2025 and One Florida Bank in 2026.
- Its balance-sheet discipline shows in 13.18% CET1 and repeated dividend hikes through January 2026.
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Company News
Hancock Whitney Corp. shares have gained 16.9% year to date, outperforming the S&P 500's 11.6% rally and peers Bank OZK and F.N.B. Corp, which rose 5.8% and 6.4% respectively. The company's revenues have grown at a 3.6% compound annual rate from 2020 to 2025, supported by loan growth. Last month, Hancock Whitney closed its acquisition of OFB Bancshares, expanding its presence in Orlando, Jacksonville, and Florida Panhandle. The firm's net interest margin has improved from 3.26% in 2022 to 3.47% in 2025. Management expects modest margin expansion in the second half of 2026 in a flat-rate environment. As of 30 June 2026, Hancock Whitney's CET1 ratio stood at 13.18%. The company raised its quarterly dividend by 11.1% in January 2026, following increases of 12.5% in 2025 and 33.3% in 2024.
Hancock Whitney reported second-quarter 2026 revenue of $401.36 million, up 6.9% year-over-year, beating the consensus estimate of $396.38 million by 1.26%. Earnings per share came in at $1.55, matching analyst expectations and up from $1.37 in the prior-year quarter. The bank's net interest margin held steady at 3.6%, in line with analyst forecasts. Its efficiency ratio of 55.3% slightly outperformed the 55.8% estimate. Total net charge-offs as a percentage of average loans remained at 0.2%, meeting expectations. Average total interest-earning assets reached $33.21 billion, exceeding the $32.82 billion estimate. Nonperforming loans totalled $113.68 million, slightly above the $110.97 million forecast. Shares have gained 9.2% over the past month. The stock currently holds a Zacks Rank of 3, suggesting it may track broader market performance near-term.
Hancock Whitney Corporation has received regulatory approval to acquire OFB Bancshares, parent company of One Florida Bank. The Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Mississippi Department of Banking and Consumer Finance have granted approval or confirmed non-objection to the deal. OFB Bancshares shareholders approved the merger agreement at a special meeting. The acquisition, initially announced on 15 May 2026, is expected to close on or about 1 August 2026, pending customary closing conditions. One Florida Bank operates six banking offices across Florida, offering commercial, residential mortgage, and instalment loans alongside deposit accounts. Hancock Whitney maintains financial centres across Mississippi, Alabama, Florida, Louisiana, and Texas.
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Hancock Whitney Bank to acquire One Florida Bank. By Dave Kovaleski | May 19, 2026 | Industry The parent company of Hancock Whitney Bank is acquiring One Florida Bank in an all-cash transaction. One Florida Bank, a subsidiary of OFB Bancshares, operates five financial centers in the greater Orlando area and one in the Florida Panhandle. As of March 31, the bank reported total assets of $2.1 billion, total loans of $1.7 billion, and total deposits of $1.9 billion. The acquisition will enhance Gulfport, Miss.-based Hancock Whitney Bank's footprint by establishing a meaningful market presence in the Orlando area. "This transaction represents a significant step in our long-term growth strategy, expanding our footprint into one of the most dynamic and high-growth markets in the country," John Hairston, president and CEO of Hancock Whitney, said. "Orlando offers attractive demographics, strong economic fundamentals, and meaningful opportunities to deepen client relationships. By combining our scale, capital strength, and product capabilities with the local expertise of this talented team, we believe we are well-positioned to deliver enhanced value to our clients, associates, and shareholders alike." The transaction is expected to close in the third quarter of 2026. "We are proud of the franchise we've built in the Orlando market, grounded in strong client relationships and community engagement. Partnering with Hancock Whitney allows us to accelerate that momentum while gaining access to broader resources, expanded capabilities, and a larger platform for growth," Rick Pullum, resident and CEO of One Florida Bank, said. The transaction is subject to the satisfaction of certain customary closing conditions including receipt of regulatory and OFB Bancshares shareholder approval.