67.29 USD
-0.15 (-0.22%)
67.29 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to HWC. HWC was compared to 383 industry peers in the Banks industry. HWC has a medium profitability rating, but doesn't score so well on its financial health evaluation. HWC is not valued too expensively and it also shows a decent growth rate. HWC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- HWC had positive earnings in the past year.
- In the past year HWC had a positive cash flow from operations.
- In the past 5 years HWC has always been profitable.
- HWC had a positive operating cash flow in 4 of the past 5 years.
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.
- HWC has a better Return On Equity (10.74%) than 71.54% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- The Profit Margin of HWC (32.22%) is better than 85.12% of its industry peers.
- HWC's Profit Margin has declined 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) | 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
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
- HWC has a worse debt/assets ratio than last year.
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.
- HWC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
- HWC's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. HWC outperforms 45.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.96%
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 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.
- The Revenue has been growing slightly by 4.78% in the past 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
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 11.74, the valuation of HWC can be described as very reasonable.
- 60.84% of the companies in the same industry are more expensive than HWC, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 28.82, HWC is valued rather cheaply.
- With a Price/Forward Earnings ratio of 10.94, the valuation of HWC can be described as very reasonable.
- 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 (25.95), we can say HWC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.74 | ||
| Fwd PE | 10.94 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, HWC is valued a bit cheaper than the industry average as 67.36% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.94 | ||
| EV/EBITDA | N/A |
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)1.6
PEG (5Y)1.41
EPS Next 2Y6.92%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- HWC has a Yearly Dividend Yield of 2.67%.
- HWC's Dividend Yield is comparable with the industry average which is at 2.60.
- Compared to an average S&P500 Dividend Yield of 1.82, HWC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.67% |
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
5.3 Sustainability
- HWC pays out 31.49% of its income as dividend. This is a sustainable payout ratio.
- The dividend of HWC is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP31.49%
EPS Next 2Y6.92%
EPS Next 3YN/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 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 11.74 and the Price/Book (PB) ratio is 1.26.
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%.