HANCOCK WHITNEY CORP (HWC) Fundamental Analysis & Valuation

NASDAQ:HWC • US4101201097

Current stock price

63.44 USD
-0.35 (-0.55%)
At close:
63.44 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.

4

1. HWC Profitability Analysis

1.1 Basic Checks

  • In the past year HWC was profitable.
  • HWC had a positive operating cash flow in the past year.
  • HWC had positive earnings in each of the past 5 years.
  • Each year in the past 5 years HWC had a positive operating cash flow.
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

  • The Return On Assets of HWC (1.36%) is better than 83.68% of its industry peers.
  • With a decent Return On Equity value of 10.85%, HWC is doing good in the industry, outperforming 68.16% of the companies in the same industry.
Industry RankSector 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
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

  • The Profit Margin of HWC (31.94%) is better than 82.89% of its industry peers.
  • HWC's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for HWC so they could not be analyzed.
Industry RankSector 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
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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • The number of shares outstanding for HWC has been reduced compared to 1 year ago.
  • The number of shares outstanding for HWC has been reduced compared to 5 years ago.
  • HWC has a better debt/assets ratio than last year.
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 1.56, 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 (1.56) which is in line with 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 47.11% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.56
Altman-Z N/A
ROIC/WACCN/A
WACC14.03%
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

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. HWC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.52% over the past year.
  • HWC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.33% yearly.
  • The Revenue has been growing slightly by 4.78% in the past year.
  • Measured over the past years, HWC shows a small growth in Revenue. The Revenue has been growing by 3.64% on average per year.
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

  • The Earnings Per Share is expected to grow by 8.99% on average over the next years. This is quite good.
  • 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.
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 2028 0 2 4 6

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Find the best growth stocksShow best growing peers

5

4. HWC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.07 indicates a reasonable valuation of HWC.
  • The rest of the industry has a similar Price/Earnings ratio as HWC.
  • HWC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.61.
  • A Price/Forward Earnings ratio of 9.96 indicates a reasonable valuation of HWC.
  • The rest of the industry has a similar Price/Forward Earnings ratio as HWC.
  • When comparing the Price/Forward Earnings ratio of HWC to the average of the S&P500 Index (22.79), we can say HWC is valued rather cheaply.
Industry RankSector Rank
PE 11.07
Fwd PE 9.96
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

  • 66.58% of the companies in the same industry are more expensive than HWC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.9
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)1
PEG (5Y)1.33
EPS Next 2Y9.28%
EPS Next 3Y8.99%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. HWC Dividend Analysis

5.1 Amount

  • HWC has a Yearly Dividend Yield of 3.27%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.78, HWC pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, HWC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.27%

5.2 History

  • On average, the dividend of HWC grows each year by 10.83%, 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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)10.83%
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 2026 0.5 1 1.5

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 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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HWC Fundamentals: All Metrics, Ratios and Statistics

HANCOCK WHITNEY CORP

NASDAQ:HWC (3/26/2026, 4:31:39 PM)

After market: 63.44 0 (0%)

63.44

-0.35 (-0.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-13
Inst Owners94.73%
Inst Owner Change-1.06%
Ins Owners0.91%
Ins Owner Change0.65%
Market Cap5.18B
Revenue(TTM)1.52B
Net Income(TTM)484.03M
Analysts83.33
Price Target78.8 (24.21%)
Short Float %7.05%
Short Ratio6.96
Dividend
Industry RankSector Rank
Dividend Yield 3.27%
Yearly Dividend1.83
Dividend Growth(5Y)10.83%
DP31.78%
Div Incr Years2
Div Non Decr Years33
Ex-Date03-05
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 RankSector Rank
PE 11.07
Fwd PE 9.96
P/S 3.42
P/FCF 9.9
P/OCF 9.56
P/B 1.16
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)5.73
EY9.03%
EPS(NY)6.37
Fwd EY10.04%
FCF(TTM)6.41
FCFY10.1%
OCF(TTM)6.63
OCFY10.46%
SpS18.56
BVpS54.62
TBVpS42.46
PEG (NY)1
PEG (5Y)1.33
Graham Number83.91
Profitability
Industry RankSector 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 RankSector 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
WACC14.03%
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 11.07 and the Price/Book (PB) ratio is 1.16.


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 31.78%.