HANCOCK WHITNEY CORP (HWC) Stock Fundamental Analysis
NASDAQ:HWC - US4101201097 - Common Stock
63.54 USD
+0.86 (+1.37%)
63.54 USD
0 (0%)
HWC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 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.
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.
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
The Return On Assets of HWC (1.33%) is better than 85.24% of its industry peers.
The Return On Equity of HWC (10.73%) is better than 75.83% 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 85.24% of the companies in the same industry.
HWC's Profit Margin has improved in the last couple of years.
HWC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
2. Health
2.1 Basic Checks
HWC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HWC has been reduced compared to 1 year ago.
Compared to 5 years ago, HWC has less shares outstanding
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.
Looking at the Debt to FCF ratio, with a value of 1.50, HWC is in the better half of the industry, outperforming 61.07% of the companies in the same industry.
HWC has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.20, HWC perfoms like the industry average, outperforming 41.98% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.22%
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 28.94% over the past year.
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 6.92%.
The Revenue has been growing slightly by 3.61% on average over the past years.
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
Based on estimates for the next years, HWC will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.48% on average per year.
HWC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.41% 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 3Y5.41%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.59, the valuation of HWC can be described as very reasonable.
Based on the Price/Earnings ratio, HWC is valued a bit cheaper than 65.14% of the companies in the same industry.
When comparing the Price/Earnings ratio of HWC to the average of the S&P500 Index (27.08), we can say HWC is valued rather cheaply.
HWC is valuated reasonably with a Price/Forward Earnings ratio of 10.55.
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 22.67, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.59 | ||
| Fwd PE | 10.55 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HWC is valued a bit cheaper than the industry average as 73.03% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.45 | ||
| 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)1.46
PEG (5Y)2.23
EPS Next 2Y6.81%
EPS Next 3Y9.48%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.99%, HWC has a reasonable but not impressive dividend return.
HWC's Dividend Yield is comparable with the industry average which is at 3.30.
Compared to an average S&P500 Dividend Yield of 2.34, HWC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.99% |
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
HWC pays out 31.54% of its income as dividend. This is a sustainable payout ratio.
HWC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP31.54%
EPS Next 2Y6.81%
EPS Next 3Y9.48%
63.54
+0.86 (+1.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners90.19%
Inst Owner Change-1.32%
Ins Owners0.95%
Ins Owner Change5.5%
Market Cap5.39B
Analysts81.67
Price Target70.51 (10.97%)
Short Float %4.2%
Short Ratio4.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.99% |
Yearly Dividend1.52
Dividend Growth(5Y)6.82%
DP31.54%
Div Incr Years2
Div Non Decr Years33
Ex-Date
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)0.91%
PT rev (3m)9.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.43%
EPS NY rev (1m)1.73%
EPS NY rev (3m)2.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.59%
Revenue NY rev (1m)0.52%
Revenue NY rev (3m)0.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.59 | ||
| Fwd PE | 10.55 | ||
| P/S | 3.66 | ||
| P/FCF | 9.45 | ||
| P/OCF | 9.22 | ||
| P/B | 1.23 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.48
EY8.62%
EPS(NY)6.02
Fwd EY9.48%
FCF(TTM)6.72
FCFY10.58%
OCF(TTM)6.89
OCFY10.85%
SpS17.38
BVpS51.51
TBVpS39.74
PEG (NY)1.46
PEG (5Y)2.23
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
WACC15.22%
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 3Y5.41%
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%