HANCOCK WHITNEY CORP (HWC) Fundamental Analysis & Valuation
NASDAQ:HWC • US4101201097
Current stock price
61.29 USD
+0.05 (+0.08%)
At close:
61.29 USD
0 (0%)
After Hours:
This HWC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. HWC Profitability Analysis
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 each of the past 5 years.
1.2 Ratios
- HWC's Return On Assets of 1.36% is amongst the best of the industry. HWC outperforms 84.51% of its industry peers.
- With a decent Return On Equity value of 10.85%, HWC is doing good in the industry, outperforming 69.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.36% | ||
| ROE | 10.85% | ||
| 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
1.3 Margins
- HWC has a better Profit Margin (31.94%) than 83.73% of its industry peers.
- In the last couple of years the Profit Margin of HWC has declined.
- 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) | 31.94% | ||
| 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
2. HWC Health Analysis
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.
- Compared to 1 year ago, HWC has an improved debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of HWC is 1.56, which is an excellent value as it means it would take HWC, only 1.56 years of fcf income to pay off all of its debts.
- HWC has a Debt to FCF ratio of 1.56. This is comparable to the rest of the industry: HWC outperforms 58.01% of its industry peers.
- HWC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
- With a Debt to Equity ratio value of 0.18, HWC perfoms like the industry average, outperforming 46.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. HWC Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an nice 8.52% over the past year.
- The Earnings Per Share has been growing by 8.33% on average over the past years. This is quite good.
- HWC shows a small growth in Revenue. In the last year, the Revenue has grown by 4.78%.
- HWC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.64% yearly.
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
- HWC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.99% yearly.
- HWC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.31% yearly.
EPS Next Y11.11%
EPS Next 2Y9.28%
EPS Next 3Y8.99%
EPS Next 5YN/A
Revenue Next Year5.84%
Revenue Next 2Y5.1%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. HWC Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 10.70, the valuation of HWC can be described as reasonable.
- 63.78% of the companies in the same industry are more expensive than HWC, based on the Price/Earnings ratio.
- HWC is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
- HWC is valuated reasonably with a Price/Forward Earnings ratio of 9.63.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of HWC is on the same level as its industry peers.
- Compared to an average S&P500 Price/Forward Earnings ratio of 23.28, HWC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.7 | ||
| Fwd PE | 9.63 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, HWC is valued a bit cheaper than 69.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.57 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- HWC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.96
PEG (5Y)1.28
EPS Next 2Y9.28%
EPS Next 3Y8.99%
5. HWC Dividend Analysis
5.1 Amount
- HWC has a Yearly Dividend Yield of 6.93%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.90, HWC pays a better dividend. On top of this HWC pays more dividend than 97.11% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.91, HWC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.93% |
5.2 History
- The dividend of HWC is nicely growing with an annual growth rate of 10.83%!
- 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)10.83%
Div Incr Years2
Div Non Decr Years33
5.3 Sustainability
- 31.78% of the earnings are spent on dividend by HWC. This is a low number and sustainable payout ratio.
- The dividend of HWC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP31.78%
EPS Next 2Y9.28%
EPS Next 3Y8.99%
HWC Fundamentals: All Metrics, Ratios and Statistics
61.29
+0.05 (+0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20 2026-01-20/amc
Earnings (Next)04-13 2026-04-13
Inst Owners94.73%
Inst Owner Change-1.06%
Ins Owners0.91%
Ins Owner Change0.65%
Market Cap5.00B
Revenue(TTM)1.52B
Net Income(TTM)484.03M
Analysts83.33
Price Target78.8 (28.57%)
Short Float %7.05%
Short Ratio6.96
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.93% |
Yearly Dividend1.83
Dividend Growth(5Y)10.83%
DP31.78%
Div Incr Years2
Div Non Decr Years33
Ex-Date03-05 2026-03-05 (0.5)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.96%
Min EPS beat(2)-0.95%
Max EPS beat(2)2.87%
EPS beat(4)2
Avg EPS beat(4)1.89%
Min EPS beat(4)-0.95%
Max EPS beat(4)6%
EPS beat(8)6
Avg EPS beat(8)3.67%
EPS beat(12)8
Avg EPS beat(12)-1.27%
EPS beat(16)10
Avg EPS beat(16)-0.6%
Revenue beat(2)0
Avg Revenue beat(2)-2.05%
Min Revenue beat(2)-2.4%
Max Revenue beat(2)-1.71%
Revenue beat(4)0
Avg Revenue beat(4)-1.79%
Min Revenue beat(4)-2.4%
Max Revenue beat(4)-1.18%
Revenue beat(8)0
Avg Revenue beat(8)-1.46%
Revenue beat(12)0
Avg Revenue beat(12)-2.16%
Revenue beat(16)0
Avg Revenue beat(16)-2.15%
PT rev (1m)0%
PT rev (3m)9.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.01%
EPS NY rev (1m)-0.29%
EPS NY rev (3m)5.52%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.7 | ||
| Fwd PE | 9.63 | ||
| P/S | 3.3 | ||
| P/FCF | 9.57 | ||
| P/OCF | 9.24 | ||
| P/B | 1.12 | ||
| P/tB | 1.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.73
EY9.35%
EPS(NY)6.37
Fwd EY10.39%
FCF(TTM)6.41
FCFY10.45%
OCF(TTM)6.63
OCFY10.82%
SpS18.56
BVpS54.62
TBVpS42.46
PEG (NY)0.96
PEG (5Y)1.28
Graham Number83.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.36% | ||
| ROE | 10.85% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.94% | ||
| GM | N/A | ||
| FCFM | 34.52% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.56 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 50.23% | ||
| Cap/Sales | 1.24% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 108.06% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC14.13%
ROIC/WACCN/A
Cap/Depr(3y)42.95%
Cap/Depr(5y)48.8%
Cap/Sales(3y)1.25%
Cap/Sales(5y)1.53%
Profit Quality(3y)121.17%
Profit Quality(5y)128.94%
High Growth Momentum
Growth
EPS 1Y (TTM)8.52%
EPS 3Y-1.41%
EPS 5Y8.33%
EPS Q2Q%6.43%
EPS Next Y11.11%
EPS Next 2Y9.28%
EPS Next 3Y8.99%
EPS Next 5YN/A
Revenue 1Y (TTM)4.78%
Revenue growth 3Y3.13%
Revenue growth 5Y3.64%
Sales Q2Q%6.73%
Revenue Next Year5.84%
Revenue Next 2Y5.1%
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 1Y-15.02%
FCF growth 3Y-13.67%
FCF growth 5Y10.51%
OCF growth 1Y-13.42%
OCF growth 3Y-13.67%
OCF growth 5Y8.81%
HANCOCK WHITNEY CORP / HWC Fundamental Analysis 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 5 / 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 10.7 and the Price/Book (PB) ratio is 1.12.
Is the dividend of HANCOCK WHITNEY CORP sustainable?
The dividend rating of HANCOCK WHITNEY CORP (HWC) is 8 / 10 and the dividend payout ratio is 31.78%.