HWC Fundamental Analysis - HANCOCK WHITNEY CORP

Fundamental Rating

Taking everything into account, HWC scores 4 out of 10 in our fundamental rating. HWC was compared to 392 industry peers in the Banks industry. There are concerns on the financial health of HWC while its profitability can be described as average. HWC is not valued too expensively and it also shows a decent growth rate. Finally HWC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year HWC was profitable.

HWC had a positive operating cash flow in the past year.

Of the past 5 years HWC 4 years were profitable.

Each year in the past 5 years HWC had a positive operating cash flow.

1.2 Ratios

HWC has a Return On Assets of 1.33%. This is amongst the best in the industry. HWC outperforms 85.20% of its industry peers.

HWC has a better Return On Equity (10.73%) than 75.00% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.33%
ROE	10.73%
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

Looking at the Profit Margin, with a value of 31.80%, HWC belongs to the top of the industry, outperforming 85.20% of the companies in the same industry.

In the last couple of years the Profit Margin of HWC has grown nicely.

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)	31.8%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 1.50, which is an excellent value as it means it would take HWC, only 1.50 years of fcf income to pay off all of its debts.

HWC has a Debt to FCF ratio of 1.50. This is comparable to the rest of the industry: HWC outperforms 59.95% of its industry peers.

A Debt/Equity ratio of 0.20 indicates that HWC is not too dependend on debt financing.

The Debt to Equity ratio of HWC (0.20) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	1.5
Altman-Z	N/A

ROIC/WACCN/A

WACC15.07%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 28.94% over the past year.

Measured over the past 5 years, HWC shows a small growth in Earnings Per Share. The EPS has been growing by 5.19% on average per year.

The Revenue has been growing slightly by 6.92% in the past year.

Measured over the past years, HWC shows a small growth in Revenue. The Revenue has been growing by 3.61% on average per year.

EPS 1Y (TTM)28.94%

EPS 3Y-1.94%

EPS 5Y5.19%

EPS Q2Q%4.58%

Revenue 1Y (TTM)6.92%

Revenue growth 3Y3.68%

Revenue growth 5Y3.61%

Sales Q2Q%4.42%

3.2 Future

HWC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.48% yearly.

HWC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.16% yearly.

EPS Next Y7.92%

EPS Next 2Y6.81%

EPS Next 3Y9.48%

EPS Next 5YN/A

Revenue Next Year5.45%

Revenue Next 2Y5.51%

Revenue Next 3Y5.16%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better 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.

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4. Valuation

4.1 Price/Earnings Ratio

HWC is valuated reasonably with a Price/Earnings ratio of 11.62.

Based on the Price/Earnings ratio, HWC is valued a bit cheaper than 65.05% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.38. HWC is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 10.57, the valuation of HWC can be described as reasonable.

The rest of the industry has a similar Price/Forward Earnings ratio as HWC.

The average S&P500 Price/Forward Earnings ratio is at 22.86. HWC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	11.62
Fwd PE	10.57

4.2 Price Multiples

74.49% of the companies in the same industry are more expensive than HWC, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	9.47
EV/EBITDA	N/A

4.3 Compensation for Growth

HWC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.47

PEG (5Y)2.24

EPS Next 2Y6.81%

EPS Next 3Y9.48%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.46%, HWC is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.73, HWC pays a better dividend. On top of this HWC pays more dividend than 87.50% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.38, HWC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.46%

5.2 History

The dividend of HWC is nicely growing with an annual growth rate of 6.82%!

HWC has paid a dividend for at least 10 years, which is a reliable track record.

HWC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)6.82%

Div Incr Years2

Div Non Decr Years33

5.3 Sustainability

31.54% 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 earnings are growing more, so the dividend growth is sustainable.

DP31.54%

EPS Next 2Y6.81%

EPS Next 3Y9.48%

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HANCOCK WHITNEY CORP

NASDAQ:HWC (9/19/2025, 4:51:31 PM)

After market: 63.67 0 (0%)

63.67

-0.64 (-1%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-15 2025-07-15/amc

Earnings (Next)10-13 2025-10-13/amc

Inst Owners90.19%

Inst Owner Change-1.32%

Ins Owners0.95%

Ins Owner Change1.81%

Market Cap5.40B

Analysts81.67

Price Target71.66 (12.55%)

Short Float %4.77%

Short Ratio5.19

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.46%

Yearly Dividend1.52

Dividend Growth(5Y)6.82%

DP31.54%

Div Incr Years2

Div Non Decr Years33

Ex-Date09-05 2025-09-05 (0.45)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)2.82%

Min EPS beat(2)-0.35%

Max EPS beat(2)6%

EPS beat(4)3

Avg EPS beat(4)3.81%

Min EPS beat(4)-0.35%

Max EPS beat(4)8.14%

EPS beat(8)6

Avg EPS beat(8)-2.14%

EPS beat(12)7

Avg EPS beat(12)-1.53%

EPS beat(16)11

Avg EPS beat(16)0.93%

Revenue beat(2)0

Avg Revenue beat(2)-1.52%

Min Revenue beat(2)-1.87%

Max Revenue beat(2)-1.18%

Revenue beat(4)0

Avg Revenue beat(4)-1.22%

Min Revenue beat(4)-1.87%

Max Revenue beat(4)-0.74%

Revenue beat(8)0

Avg Revenue beat(8)-2.34%

Revenue beat(12)0

Avg Revenue beat(12)-2.28%

Revenue beat(16)1

Avg Revenue beat(16)-2.01%

PT rev (1m)1.63%

PT rev (3m)9.77%

EPS NQ rev (1m)-0.09%

EPS NQ rev (3m)3.5%

EPS NY rev (1m)1.73%

EPS NY rev (3m)2.08%

Revenue NQ rev (1m)-0.01%

Revenue NQ rev (3m)1.13%

Revenue NY rev (1m)0.06%

Revenue NY rev (3m)0.59%

Valuation

		Industry Rank	Sector Rank
PE	11.62
Fwd PE	10.57
P/S	3.66
P/FCF	9.47
P/OCF	9.24
P/B	1.24
P/tB	1.6
EV/EBITDA	N/A

EPS(TTM)5.48

EY8.61%

EPS(NY)6.02

Fwd EY9.46%

FCF(TTM)6.72

FCFY10.56%

OCF(TTM)6.89

OCFY10.82%

SpS17.38

BVpS51.51

TBVpS39.74

PEG (NY)1.47

PEG (5Y)2.24

Profitability

		Industry Rank	Sector Rank
ROA	1.33%
ROE	10.73%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	31.8%
GM	N/A
FCFM	38.68%

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

ROICexcg growth 3YN/A

ROICexcg 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	0.2
Debt/FCF	1.5
Debt/EBITDA	N/A
Cap/Depr	35.95%
Cap/Sales	0.98%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	121.65%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC15.07%

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)28.94%

EPS 3Y-1.94%

EPS 5Y5.19%

EPS Q2Q%4.58%

EPS Next Y7.92%

EPS Next 2Y6.81%

EPS Next 3Y9.48%

EPS Next 5YN/A

Revenue 1Y (TTM)6.92%

Revenue growth 3Y3.68%

Revenue growth 5Y3.61%

Sales Q2Q%4.42%

Revenue Next Year5.45%

Revenue Next 2Y5.51%

Revenue Next 3Y5.16%

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 1Y5.35%

FCF growth 3Y3.07%

FCF growth 5Y14.76%

OCF growth 1Y2.48%

OCF growth 3Y2.23%

OCF growth 5Y12.2%

HANCOCK WHITNEY CORP (HWC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens