HANCOCK WHITNEY CORP (HWC) Stock Fundamental Analysis
NASDAQ:HWC - Nasdaq - US4101201097 - Common Stock - Currency: USD
Taking everything into account, HWC scores 4 out of 10 in our fundamental rating. HWC was compared to 395 industry peers in the Banks industry. While HWC is still in line with the averages on profitability rating, there are concerns on its financial health. HWC is not valued too expensively and it also shows a decent growth rate. HWC also has an excellent dividend rating.
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.
HWC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
HWC's Return On Assets of 1.35% is amongst the best of the industry. HWC outperforms 85.57% of its industry peers.
HWC's Return On Equity of 10.96% is fine compared to the rest of the industry. HWC outperforms 76.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.35% | ||
| ROE | 10.96% | ||
| 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 32.19%, HWC belongs to the top of the industry, outperforming 86.84% 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) | 32.19% | ||
| 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.
HWC has less shares outstanding than it did 1 year ago.
HWC has less shares outstanding than it did 5 years ago.
HWC has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of HWC is 1.37, which is an excellent value as it means it would take HWC, only 1.37 years of fcf income to pay off all of its debts.
HWC's Debt to FCF ratio of 1.37 is fine compared to the rest of the industry. HWC outperforms 63.80% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that HWC is not too dependend on debt financing.
HWC's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. HWC outperforms 48.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.37 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.85%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HWC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.34%, which is quite impressive.
The Earnings Per Share has been growing slightly by 5.19% on average over the past years.
HWC shows a small growth in Revenue. In the last year, the Revenue has grown by 5.96%.
HWC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.61% yearly.
EPS 1Y (TTM)26.34%
EPS 3Y-1.94%
EPS 5Y5.19%
EPS Q2Q%11.29%
Revenue 1Y (TTM)5.96%
Revenue growth 3Y3.68%
Revenue growth 5Y3.61%
Sales Q2Q%3.02%
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 9.03% yearly.
HWC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.06% yearly.
EPS Next Y5.79%
EPS Next 2Y5.18%
EPS Next 3Y9.03%
EPS Next 5YN/A
Revenue Next Year4.84%
Revenue Next 2Y5.25%
Revenue Next 3Y5.06%
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.
4. Valuation
4.1 Price/Earnings Ratio
HWC is valuated reasonably with a Price/Earnings ratio of 11.16.
Compared to the rest of the industry, the Price/Earnings ratio of HWC indicates a somewhat cheap valuation: HWC is cheaper than 71.90% of the companies listed in the same industry.
HWC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.28.
HWC is valuated reasonably with a Price/Forward Earnings ratio of 10.36.
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 21.76, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.16 | ||
| Fwd PE | 10.36 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HWC is valued a bit cheaper than the industry average as 69.37% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates HWC does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.93
PEG (5Y)2.15
EPS Next 2Y5.18%
EPS Next 3Y9.03%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.63%, HWC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.47, HWC pays a better dividend. On top of this HWC pays more dividend than 93.92% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.42, HWC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.63% |
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
HWC pays out 30.69% of its income as dividend. This is a sustainable payout ratio.
The dividend of HWC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP30.69%
EPS Next 2Y5.18%
EPS Next 3Y9.03%
60.51
+1.2 (+2.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners90.12%
Inst Owner Change2.61%
Ins Owners0.95%
Ins Owner Change8.1%
Market Cap5.18B
Analysts83.33
Price Target66.05 (9.16%)
Short Float %4.08%
Short Ratio5.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.63% |
Yearly Dividend1.52
Dividend Growth(5Y)6.82%
DP30.69%
Div Incr Years2
Div Non Decr Years33
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.07%
Min EPS beat(2)6%
Max EPS beat(2)8.14%
EPS beat(4)4
Avg EPS beat(4)5.99%
Min EPS beat(4)1.44%
Max EPS beat(4)8.36%
EPS beat(8)6
Avg EPS beat(8)-2.11%
EPS beat(12)8
Avg EPS beat(12)-1.4%
EPS beat(16)12
Avg EPS beat(16)2.32%
Revenue beat(2)0
Avg Revenue beat(2)-1.48%
Min Revenue beat(2)-1.87%
Max Revenue beat(2)-1.08%
Revenue beat(4)0
Avg Revenue beat(4)-1.14%
Min Revenue beat(4)-1.87%
Max Revenue beat(4)-0.74%
Revenue beat(8)0
Avg Revenue beat(8)-2.46%
Revenue beat(12)0
Avg Revenue beat(12)-2.23%
Revenue beat(16)2
Avg Revenue beat(16)-1.79%
PT rev (1m)2.98%
PT rev (3m)-7.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.45%
EPS NY rev (1m)0.07%
EPS NY rev (3m)2.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.16 | ||
| Fwd PE | 10.36 | ||
| P/S | 3.56 | ||
| P/FCF | 9.4 | ||
| P/OCF | 9.2 | ||
| P/B | 1.21 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.42
EY8.96%
EPS(NY)5.84
Fwd EY9.65%
FCF(TTM)6.44
FCFY10.64%
OCF(TTM)6.58
OCFY10.87%
SpS17.01
BVpS49.96
TBVpS39.59
PEG (NY)1.93
PEG (5Y)2.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.35% | ||
| ROE | 10.96% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 32.19% | ||
| GM | N/A | ||
| FCFM | 37.85% |
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 | 0.18 | ||
| Debt/FCF | 1.37 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 29.12% | ||
| Cap/Sales | 0.82% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 117.57% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC15.85%
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)26.34%
EPS 3Y-1.94%
EPS 5Y5.19%
EPS Q2Q%11.29%
EPS Next Y5.79%
EPS Next 2Y5.18%
EPS Next 3Y9.03%
EPS Next 5YN/A
Revenue 1Y (TTM)5.96%
Revenue growth 3Y3.68%
Revenue growth 5Y3.61%
Sales Q2Q%3.02%
Revenue Next Year4.84%
Revenue Next 2Y5.25%
Revenue Next 3Y5.06%
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 1Y-11.67%
FCF growth 3Y3.07%
FCF growth 5Y14.76%
OCF growth 1Y-13%
OCF growth 3Y2.23%
OCF growth 5Y12.2%