HANCOCK WHITNEY CORP(NASDAQ:HWC) stock Fundamental Analysis

Fundamental Rating

HWC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 397 industry peers in the Banks industry. There are concerns on the financial health of HWC while its profitability can be described as average. HWC has a correct valuation and a medium growth rate. Finally HWC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

HWC had positive earnings in the past year.

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

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

Looking at the Return On Assets, with a value of 1.30%, HWC belongs to the top of the industry, outperforming 84.38% of the companies in the same industry.

HWC has a Return On Equity of 11.09%. This is in the better half of the industry: HWC outperforms 77.58% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.3%
ROE	11.09%
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 31.66%, HWC belongs to the top of the industry, outperforming 86.15% 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)	31.66%
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.

HWC has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of HWC is 1.38, which is an excellent value as it means it would take HWC, only 1.38 years of fcf income to pay off all of its debts.

HWC has a Debt to FCF ratio of 1.38. This is in the better half of the industry: HWC outperforms 64.99% of its industry peers.

A Debt/Equity ratio of 0.21 indicates that HWC is not too dependend on debt financing.

The Debt to Equity ratio of HWC (0.21) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.21
Debt/FCF	1.38
Altman-Z	N/A

ROIC/WACCN/A

WACC16.07%

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 26.34% 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 4.33% in the past year.

The Revenue has been growing slightly by 3.61% on average over the past years.

EPS 1Y (TTM)26.34%

EPS 3Y-1.94%

EPS 5Y5.19%

EPS Q2Q%11.29%

Revenue 1Y (TTM)4.33%

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 8.89% 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 Y5.69%

EPS Next 2Y5.02%

EPS Next 3Y8.89%

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.95, the valuation of HWC can be described as very reasonable.

Based on the Price/Earnings ratio, HWC is valued a bit cheaper than 77.08% of the companies in the same industry.

HWC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.10.

The Price/Forward Earnings ratio is 9.26, which indicates a very decent valuation of HWC.

Based on the Price/Forward Earnings ratio, HWC is valued a bit cheaper than 61.96% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 20.74, HWC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.95
Fwd PE	9.26

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, HWC is valued cheaply inside the industry as 82.62% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	7.55
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)1.75

PEG (5Y)1.92

EPS Next 2Y5.02%

EPS Next 3Y8.89%

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5. Dividend

5.1 Amount

HWC has a Yearly Dividend Yield of 3.41%.

HWC's Dividend Yield is comparable with the industry average which is at 3.49.

Compared to an average S&P500 Dividend Yield of 2.43, HWC pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.41%

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

28.58% of the earnings are spent on dividend by HWC. This is a low number and sustainable payout ratio.

HWC's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP28.58%

EPS Next 2Y5.02%

EPS Next 3Y8.89%

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HANCOCK WHITNEY CORP

NASDAQ:HWC (5/5/2025, 8:16:44 PM)

After market: 53.94 0 (0%)

53.94

-0.14 (-0.26%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-15 2025-04-15/amc

Earnings (Next)07-14 2025-07-14/amc

Inst Owners87.9%

Inst Owner Change0.52%

Ins Owners0.96%

Ins Owner Change6.52%

Market Cap4.65B

Analysts83.33

Price Target64.13 (18.89%)

Short Float %4.05%

Short Ratio4.31

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.41%

Yearly Dividend1.52

Dividend Growth(5Y)6.82%

DP28.58%

Div Incr Years2

Div Non Decr Years33

Ex-Date06-05 2025-06-05 (0.45)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)4.79%

Min EPS beat(2)1.44%

Max EPS beat(2)8.14%

EPS beat(4)4

Avg EPS beat(4)5.44%

Min EPS beat(4)1.44%

Max EPS beat(4)8.36%

EPS beat(8)6

Avg EPS beat(8)-2.85%

EPS beat(12)8

Avg EPS beat(12)-1.42%

EPS beat(16)12

Avg EPS beat(16)3.39%

Revenue beat(2)0

Avg Revenue beat(2)-0.91%

Min Revenue beat(2)-1.08%

Max Revenue beat(2)-0.74%

Revenue beat(4)0

Avg Revenue beat(4)-1.14%

Min Revenue beat(4)-1.86%

Max Revenue beat(4)-0.74%

Revenue beat(8)0

Avg Revenue beat(8)-2.34%

Revenue beat(12)0

Avg Revenue beat(12)-2.27%

Revenue beat(16)3

Avg Revenue beat(16)-1.6%

PT rev (1m)-10.22%

PT rev (3m)-10.22%

EPS NQ rev (1m)0.1%

EPS NQ rev (3m)0.27%

EPS NY rev (1m)2.6%

EPS NY rev (3m)2.83%

Revenue NQ rev (1m)0.01%

Revenue NQ rev (3m)-0.04%

Revenue NY rev (1m)0.2%

Revenue NY rev (3m)2.47%

Valuation

		Industry Rank	Sector Rank
PE	9.95
Fwd PE	9.26
P/S	3.21
P/FCF	7.55
P/OCF	7.42
P/B	1.13
P/tB	1.44
EV/EBITDA	N/A

EPS(TTM)5.42

EY10.05%

EPS(NY)5.82

Fwd EY10.8%

FCF(TTM)7.15

FCFY13.25%

OCF(TTM)7.27

OCFY13.47%

SpS16.79

BVpS47.92

TBVpS37.58

PEG (NY)1.75

PEG (5Y)1.92

Profitability

		Industry Rank	Sector Rank
ROA	1.3%
ROE	11.09%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	31.66%
GM	N/A
FCFM	42.56%

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	0.21
Debt/FCF	1.38
Debt/EBITDA	N/A
Cap/Depr	24.54%
Cap/Sales	0.71%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	134.45%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC16.07%

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)26.34%

EPS 3Y-1.94%

EPS 5Y5.19%

EPS Q2Q%11.29%

EPS Next Y5.69%

EPS Next 2Y5.02%

EPS Next 3Y8.89%

EPS Next 5YN/A

Revenue 1Y (TTM)4.33%

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 1Y30.9%

FCF growth 3Y3.07%

FCF growth 5Y14.76%

OCF growth 1Y26.35%

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