HANCOCK WHITNEY CORP (HWC) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:HWC • US4101201097

70.705 USD
+0.97 (+1.38%)
Last: Feb 3, 2026, 12:54 PM
Fundamental Rating

4

Taking everything into account, HWC scores 4 out of 10 in our fundamental rating. HWC was compared to 383 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.


Dividend Valuation Growth Profitability Health

4

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.
  • Each year in the past 5 years HWC has been profitable.
  • HWC had a positive operating cash flow in 4 of the past 5 years.
HWC Yearly Net Income VS EBIT VS OCF VS FCFHWC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.34%, HWC belongs to the top of the industry, outperforming 83.29% of the companies in the same industry.
  • With a decent Return On Equity value of 10.74%, HWC is doing good in the industry, outperforming 71.28% of the companies in the same industry.
Industry RankSector Rank
ROA 1.34%
ROE 10.74%
ROIC N/A
ROA(3y)1.25%
ROA(5y)1.29%
ROE(3y)10.72%
ROE(5y)12%
ROIC(3y)N/A
ROIC(5y)N/A
HWC Yearly ROA, ROE, ROICHWC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • HWC has a better Profit Margin (32.22%) than 85.12% of its industry peers.
  • In the last couple of years the Profit Margin of HWC has declined.
  • HWC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 32.22%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.11%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
HWC Yearly Profit, Operating, Gross MarginsHWC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

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3

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.
  • HWC has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, HWC has a worse debt to assets ratio.
HWC Yearly Shares OutstandingHWC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
HWC Yearly Total Debt VS Total AssetsHWC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • The Debt to FCF ratio of HWC is 1.46, which is an excellent value as it means it would take HWC, only 1.46 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 1.46, HWC perfoms like the industry average, outperforming 56.66% of the companies in the same industry.
  • A Debt/Equity ratio of 0.18 indicates that HWC is not too dependend on debt financing.
  • The Debt to Equity ratio of HWC (0.18) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.46
Altman-Z N/A
ROIC/WACCN/A
WACC14.8%
HWC Yearly LT Debt VS Equity VS FCFHWC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HWC Yearly Current Assets VS Current LiabilitesHWC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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4

3. Growth

3.1 Past

  • HWC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.52%, which is quite good.
  • Measured over the past years, HWC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.33% on average per year.
  • Looking at the last year, HWC shows a small growth in Revenue. The Revenue has grown by 4.78% in the last year.
  • The Revenue has been growing slightly by 3.64% on average over the past years.
EPS 1Y (TTM)8.52%
EPS 3Y-1.41%
EPS 5Y8.33%
EPS Q2Q%6.43%
Revenue 1Y (TTM)4.78%
Revenue growth 3Y3.13%
Revenue growth 5Y3.64%
Sales Q2Q%6.73%

3.2 Future

  • Based on estimates for the next years, HWC will show a small growth in Earnings Per Share. The EPS will grow by 6.92% on average per year.
  • Based on estimates for the next years, HWC will show a small growth in Revenue. The Revenue will grow by 4.31% on average per year.
EPS Next Y7.35%
EPS Next 2Y6.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.52%
Revenue Next 2Y4.94%
Revenue Next 3Y4.31%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
HWC Yearly Revenue VS EstimatesHWC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B
HWC Yearly EPS VS EstimatesHWC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 4 6

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4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.34 indicates a correct valuation of HWC.
  • HWC's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of HWC to the average of the S&P500 Index (28.41), we can say HWC is valued rather cheaply.
  • HWC is valuated reasonably with a Price/Forward Earnings ratio of 11.50.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of HWC is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 25.64. HWC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.34
Fwd PE 11.5
HWC Price Earnings VS Forward Price EarningsHWC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, HWC is valued a bit cheaper than 67.89% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.44
EV/EBITDA N/A
HWC Per share dataHWC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.68
PEG (5Y)1.48
EPS Next 2Y6.92%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

  • HWC has a Yearly Dividend Yield of 2.62%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.67, HWC has a dividend in line with its industry peers.
  • HWC's Dividend Yield is a higher than the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 2.62%

5.2 History

  • On average, the dividend of HWC grows each year by 6.82%, which is quite nice.
  • HWC has been paying a dividend for at least 10 years, so it has 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
HWC Yearly Dividends per shareHWC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • 31.49% of the earnings are spent on dividend by HWC. This is a low number and sustainable payout ratio.
  • HWC's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP31.49%
EPS Next 2Y6.92%
EPS Next 3YN/A
HWC Yearly Income VS Free CF VS DividendHWC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M
HWC Dividend Payout.HWC Dividend Payout, showing the Payout Ratio.HWC Dividend Payout.PayoutRetained Earnings

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HANCOCK WHITNEY CORP

NASDAQ:HWC (2/3/2026, 12:54:22 PM)

70.705

+0.97 (+1.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-13
Inst Owners95.27%
Inst Owner Change-3.44%
Ins Owners0.93%
Ins Owner Change-0.86%
Market Cap5.91B
Revenue(TTM)1.52B
Net Income(TTM)480.36M
Analysts81.54
Price Target75.42 (6.67%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.62%
Yearly Dividend1.52
Dividend Growth(5Y)6.82%
DP31.49%
Div Incr Years2
Div Non Decr Years33
Ex-DateN/A
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)3.87%
PT rev (3m)4.56%
EPS NQ rev (1m)1.48%
EPS NQ rev (3m)2.46%
EPS NY rev (1m)1.92%
EPS NY rev (3m)2.22%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)0.09%
Revenue NY rev (1m)0.49%
Revenue NY rev (3m)0.25%
Valuation
Industry RankSector Rank
PE 12.34
Fwd PE 11.5
P/S 3.97
P/FCF 10.44
P/OCF 10.19
P/B 1.32
P/tB 1.7
EV/EBITDA N/A
EPS(TTM)5.73
EY8.1%
EPS(NY)6.15
Fwd EY8.7%
FCF(TTM)6.77
FCFY9.57%
OCF(TTM)6.94
OCFY9.82%
SpS17.83
BVpS53.52
TBVpS41.61
PEG (NY)1.68
PEG (5Y)1.48
Graham Number83.06
Profitability
Industry RankSector 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)1.25%
ROA(5y)1.29%
ROE(3y)10.72%
ROE(5y)12%
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-5.11%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector 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
WACC14.8%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.52%
EPS 3Y-1.41%
EPS 5Y8.33%
EPS Q2Q%6.43%
EPS Next Y7.35%
EPS Next 2Y6.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.78%
Revenue growth 3Y3.13%
Revenue growth 5Y3.64%
Sales Q2Q%6.73%
Revenue Next Year5.52%
Revenue Next 2Y4.94%
Revenue Next 3Y4.31%
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 1Y9.04%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y10.11%
OCF growth 3YN/A
OCF growth 5YN/A

HANCOCK WHITNEY CORP / HWC FAQ

What is the ChartMill fundamental rating of HANCOCK WHITNEY CORP (HWC) stock?

ChartMill assigns a fundamental rating of 4 / 10 to HWC.


Can you provide the valuation status for HANCOCK WHITNEY CORP?

ChartMill assigns a valuation rating of 4 / 10 to HANCOCK WHITNEY CORP (HWC). This can be considered as Fairly Valued.


Can you provide the profitability details for HANCOCK WHITNEY CORP?

HANCOCK WHITNEY CORP (HWC) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for HWC stock?

The Price/Earnings (PE) ratio for HANCOCK WHITNEY CORP (HWC) is 12.34 and the Price/Book (PB) ratio is 1.32.


Is the dividend of HANCOCK WHITNEY CORP sustainable?

The dividend rating of HANCOCK WHITNEY CORP (HWC) is 7 / 10 and the dividend payout ratio is 31.49%.