23.45 USD
-0.12 (-0.49%)
Overall HWCPZ gets a fundamental rating of 5 out of 10. We evaluated HWCPZ against 387 industry peers in the Banks industry. While HWCPZ is still in line with the averages on profitability rating, there are concerns on its financial health. HWCPZ may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year HWCPZ was profitable.
In the past year HWCPZ had a positive cash flow from operations.
Of the past 5 years HWCPZ 4 years were profitable.
Each year in the past 5 years HWCPZ had a positive operating cash flow.
1.2 Ratios
HWCPZ's Return On Assets of 1.34% is amongst the best of the industry. HWCPZ outperforms 84.58% of its industry peers.
Looking at the Return On Equity, with a value of 10.74%, HWCPZ is in the better half of the industry, outperforming 72.75% of the companies in the same industry.
| 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%, HWCPZ belongs to the best of the industry, outperforming 86.38% of the companies in the same industry.
HWCPZ's Profit Margin has improved in the last couple of years.
HWCPZ 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) | 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
HWCPZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HWCPZ has been reduced compared to 1 year ago.
The number of shares outstanding for HWCPZ has been reduced compared to 5 years ago.
The debt/assets ratio for HWCPZ is higher compared to a year ago.
2.2 Solvency
HWCPZ has a debt to FCF ratio of 1.46. This is a very positive value and a sign of high solvency as it would only need 1.46 years to pay back of all of its debts.
The Debt to FCF ratio of HWCPZ (1.46) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.18 indicates that HWCPZ is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.18, HWCPZ is in line with its industry, outperforming 46.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.1%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HWCPZ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.46%, which is quite impressive.
The Earnings Per Share has been growing slightly by 5.19% on average over the past years.
Looking at the last year, HWCPZ shows a small growth in Revenue. The Revenue has grown by 7.27% in the last year.
HWCPZ 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
Based on estimates for the next years, HWCPZ will show a small growth in Earnings Per Share. The EPS will grow by 6.76% on average per year.
HWCPZ is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.02% yearly.
EPS Next Y8.55%
EPS Next 2Y6.75%
EPS Next 3Y6.76%
EPS Next 5YN/A
Revenue Next Year5.04%
Revenue Next 2Y5.12%
Revenue Next 3Y5.02%
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 4.16, the valuation of HWCPZ can be described as very cheap.
Based on the Price/Earnings ratio, HWCPZ is valued cheaper than 97.17% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.47. HWCPZ is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 3.90, the valuation of HWCPZ can be described as very cheap.
HWCPZ's Price/Forward Earnings ratio is rather cheap when compared to the industry. HWCPZ is cheaper than 97.43% of the companies in the same industry.
HWCPZ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.16 | ||
| Fwd PE | 3.9 |
4.2 Price Multiples
HWCPZ's Price/Free Cash Flow ratio is rather cheap when compared to the industry. HWCPZ is cheaper than 95.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.51 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.49
PEG (5Y)0.8
EPS Next 2Y6.75%
EPS Next 3Y6.76%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.17%, HWCPZ has a reasonable but not impressive dividend return.
HWCPZ's Dividend Yield is comparable with the industry average which is at 3.33.
HWCPZ's Dividend Yield is a higher than the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.17% |
5.2 History
The dividend of HWCPZ is nicely growing with an annual growth rate of 6.82%!
HWCPZ has been paying a dividend for over 5 years, so it has already some track record.
HWCPZ has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)6.82%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
HWCPZ pays out 31.49% of its income as dividend. This is a sustainable payout ratio.
The dividend of HWCPZ is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP31.49%
EPS Next 2Y6.75%
EPS Next 3Y6.76%
HANCOCK WHITNEY CORP - HWC 6 1/4 06/15/60
NASDAQ:HWCPZ (11/21/2025, 8:00:02 PM)
23.45
-0.12 (-0.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners89.61%
Inst Owner ChangeN/A
Ins Owners0.96%
Ins Owner ChangeN/A
Market Cap1.99B
Revenue(TTM)1.49B
Net Income(TTM)480.36M
Analysts81.67
Price Target29.44 (25.54%)
Short Float %0.01%
Short Ratio1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.17% |
Yearly Dividend1.52
Dividend Growth(5Y)6.82%
DP31.49%
Div Incr Years0
Div Non Decr Years4
Ex-Date
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)6.86%
PT rev (3m)1.78%
EPS NQ rev (1m)0.34%
EPS NQ rev (3m)0.11%
EPS NY rev (1m)0%
EPS NY rev (3m)0.58%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)-1.07%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.16 | ||
| Fwd PE | 3.9 | ||
| P/S | 1.33 | ||
| P/FCF | 3.51 | ||
| P/OCF | 3.42 | ||
| P/B | 0.44 | ||
| P/tB | 0.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.64
EY24.05%
EPS(NY)6.02
Fwd EY25.66%
FCF(TTM)6.68
FCFY28.48%
OCF(TTM)6.85
OCFY29.2%
SpS17.59
BVpS52.8
TBVpS41.05
PEG (NY)0.49
PEG (5Y)0.8
Graham Number81.85
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
WACC22.1%
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 Y8.55%
EPS Next 2Y6.75%
EPS Next 3Y6.76%
EPS Next 5YN/A
Revenue 1Y (TTM)7.27%
Revenue growth 3Y3.68%
Revenue growth 5Y3.61%
Sales Q2Q%4.92%
Revenue Next Year5.04%
Revenue Next 2Y5.12%
Revenue Next 3Y5.02%
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 6 1/4 06/15/60 / HWCPZ FAQ
What is the ChartMill fundamental rating of HANCOCK WHITNEY CORP - HWC 6 1/4 06/15/60 (HWCPZ) stock?
ChartMill assigns a fundamental rating of 5 / 10 to HWCPZ.
Can you provide the valuation status for HANCOCK WHITNEY CORP - HWC 6 1/4 06/15/60?
ChartMill assigns a valuation rating of 8 / 10 to HANCOCK WHITNEY CORP - HWC 6 1/4 06/15/60 (HWCPZ). This can be considered as Undervalued.
What is the profitability of HWCPZ stock?
HANCOCK WHITNEY CORP - HWC 6 1/4 06/15/60 (HWCPZ) has a profitability rating of 4 / 10.
What is the expected EPS growth for HANCOCK WHITNEY CORP - HWC 6 1/4 06/15/60 (HWCPZ) stock?
The Earnings per Share (EPS) of HANCOCK WHITNEY CORP - HWC 6 1/4 06/15/60 (HWCPZ) is expected to grow by 8.55% in the next year.
How sustainable is the dividend of HANCOCK WHITNEY CORP - HWC 6 1/4 06/15/60 (HWCPZ) stock?
The dividend rating of HANCOCK WHITNEY CORP - HWC 6 1/4 06/15/60 (HWCPZ) is 5 / 10 and the dividend payout ratio is 31.49%.