67.43 USD
+0.49 (+0.73%)
67.7 USD
+0.27 (+0.4%)
HWC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. HWC has a medium profitability rating, but doesn't score so well on its financial health evaluation. HWC has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year HWC was profitable.
- In the past year HWC had a positive cash flow from operations.
- HWC had positive earnings in 4 of the past 5 years.
- In the past 5 years HWC always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of HWC (1.34%) is better than 83.29% of its industry peers.
- HWC has a better Return On Equity (10.74%) than 71.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.34% | ||
| ROE | 10.74% | ||
| ROIC | N/A |
ROA(3y)1.29%
ROA(5y)0.99%
ROE(3y)12.25%
ROE(5y)9.55%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With an excellent Profit Margin value of 32.22%, HWC belongs to the best of the industry, outperforming 85.12% of the companies in the same industry.
- HWC's Profit Margin has improved in the last couple of years.
- The Operating Margin and Gross Margin are not available for HWC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 32.22% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.29%
PM growth 5Y3.57%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- HWC does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, HWC has less shares outstanding
- HWC has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for HWC is higher compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of HWC is 1.46, which is an excellent value as it means it would take HWC, only 1.46 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 1.46, HWC perfoms like the industry average, outperforming 56.40% of the companies in the same industry.
- HWC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of HWC (0.18) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 26.46% over the past year.
- HWC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.19% yearly.
- Looking at the last year, HWC shows a small growth in Revenue. The Revenue has grown by 7.27% in the last year.
- HWC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.61% yearly.
EPS 1Y (TTM)26.46%
EPS 3Y-1.94%
EPS 5Y5.19%
EPS Q2Q%12.03%
Revenue 1Y (TTM)7.27%
Revenue growth 3Y3.68%
Revenue growth 5Y3.61%
Sales Q2Q%4.92%
3.2 Future
- HWC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.92% yearly.
- Based on estimates for the next years, HWC will show a small growth in Revenue. The Revenue will grow by 4.81% on average per year.
EPS Next Y8.87%
EPS Next 2Y6.91%
EPS Next 3Y5.92%
EPS Next 5YN/A
Revenue Next Year4.91%
Revenue Next 2Y4.99%
Revenue Next 3Y4.81%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 11.96, which indicates a very decent valuation of HWC.
- 60.31% of the companies in the same industry are more expensive than HWC, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of HWC to the average of the S&P500 Index (27.33), we can say HWC is valued rather cheaply.
- The Price/Forward Earnings ratio is 11.17, which indicates a very decent valuation of HWC.
- HWC's Price/Forward Earnings ratio is in line with the industry average.
- HWC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.96 | ||
| Fwd PE | 11.17 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, HWC is valued a bit cheaper than the industry average as 66.32% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.96 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.35
PEG (5Y)2.3
EPS Next 2Y6.91%
EPS Next 3Y5.92%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.65%, HWC has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.89, HWC has a dividend in line with its industry peers.
- HWC's Dividend Yield is a higher than the S&P500 average which is at 1.91.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.65% |
5.2 History
- The dividend of HWC is nicely growing with an annual growth rate of 6.82%!
- HWC has been paying a dividend for at least 10 years, so it has a reliable track record.
- HWC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.82%
Div Incr Years2
Div Non Decr Years33
5.3 Sustainability
- 31.49% of the earnings are spent on dividend by HWC. This is a low number and sustainable payout ratio.
- The dividend of HWC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP31.49%
EPS Next 2Y6.91%
EPS Next 3Y5.92%
67.43
+0.49 (+0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-14 2025-10-14/amc
Earnings (Next)01-20 2026-01-20/amc
Inst Owners95.27%
Inst Owner Change0%
Ins Owners0.93%
Ins Owner Change-0.48%
Market Cap5.64B
Revenue(TTM)1.49B
Net Income(TTM)480.36M
Analysts81.54
Price Target72.61 (7.68%)
Short Float %7.21%
Short Ratio7.09
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.65% |
Yearly Dividend1.52
Dividend Growth(5Y)6.82%
DP31.49%
Div Incr Years2
Div Non Decr Years33
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.26%
Min EPS beat(2)-0.35%
Max EPS beat(2)2.87%
EPS beat(4)3
Avg EPS beat(4)4.16%
Min EPS beat(4)-0.35%
Max EPS beat(4)8.14%
EPS beat(8)6
Avg EPS beat(8)-2.66%
EPS beat(12)8
Avg EPS beat(12)-1.26%
EPS beat(16)11
Avg EPS beat(16)0.29%
Revenue beat(2)0
Avg Revenue beat(2)-1.79%
Min Revenue beat(2)-2.4%
Max Revenue beat(2)-1.18%
Revenue beat(4)0
Avg Revenue beat(4)-1.63%
Min Revenue beat(4)-2.4%
Max Revenue beat(4)-1.08%
Revenue beat(8)0
Avg Revenue beat(8)-2.51%
Revenue beat(12)0
Avg Revenue beat(12)-2.43%
Revenue beat(16)0
Avg Revenue beat(16)-2.19%
PT rev (1m)0.49%
PT rev (3m)1.33%
EPS NQ rev (1m)0.62%
EPS NQ rev (3m)0.64%
EPS NY rev (1m)0.15%
EPS NY rev (3m)0.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.96 | ||
| Fwd PE | 11.17 | ||
| P/S | 3.78 | ||
| P/FCF | 9.96 | ||
| P/OCF | 9.71 | ||
| P/B | 1.26 | ||
| P/tB | 1.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.64
EY8.36%
EPS(NY)6.04
Fwd EY8.95%
FCF(TTM)6.77
FCFY10.04%
OCF(TTM)6.94
OCFY10.29%
SpS17.83
BVpS53.52
TBVpS41.61
PEG (NY)1.35
PEG (5Y)2.3
Graham Number82.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.34% | ||
| ROE | 10.74% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 32.22% | ||
| GM | N/A | ||
| FCFM | 37.97% |
ROA(3y)1.29%
ROA(5y)0.99%
ROE(3y)12.25%
ROE(5y)9.55%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.29%
PM growth 5Y3.57%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.46 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 37.24% | ||
| Cap/Sales | 0.96% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 117.83% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC14.9%
ROIC/WACCN/A
Cap/Depr(3y)47.48%
Cap/Depr(5y)53.91%
Cap/Sales(3y)1.54%
Cap/Sales(5y)1.88%
Profit Quality(3y)137.62%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)26.46%
EPS 3Y-1.94%
EPS 5Y5.19%
EPS Q2Q%12.03%
EPS Next Y8.87%
EPS Next 2Y6.91%
EPS Next 3Y5.92%
EPS Next 5YN/A
Revenue 1Y (TTM)7.27%
Revenue growth 3Y3.68%
Revenue growth 5Y3.61%
Sales Q2Q%4.92%
Revenue Next Year4.91%
Revenue Next 2Y4.99%
Revenue Next 3Y4.81%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y5.21%
FCF growth 3Y3.07%
FCF growth 5Y14.76%
OCF growth 1Y1.94%
OCF growth 3Y2.23%
OCF growth 5Y12.2%
HANCOCK WHITNEY CORP / HWC FAQ
What is the ChartMill fundamental rating of HANCOCK WHITNEY CORP (HWC) stock?
ChartMill assigns a fundamental rating of 4 / 10 to HWC.
Can you provide the valuation status for HANCOCK WHITNEY CORP?
ChartMill assigns a valuation rating of 5 / 10 to HANCOCK WHITNEY CORP (HWC). This can be considered as Fairly Valued.
Can you provide the profitability details for HANCOCK WHITNEY CORP?
HANCOCK WHITNEY CORP (HWC) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for HWC stock?
The Price/Earnings (PE) ratio for HANCOCK WHITNEY CORP (HWC) is 11.96 and the Price/Book (PB) ratio is 1.26.
Is the dividend of HANCOCK WHITNEY CORP sustainable?
The dividend rating of HANCOCK WHITNEY CORP (HWC) is 6 / 10 and the dividend payout ratio is 31.49%.