68.8 USD
+0.02 (+0.03%)
At close: Jan 30, 2026
69.15 USD
+0.35 (+0.51%)
After Hours: 1/30/2026, 8:00:02 PM
HWC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 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 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
- In the past year HWC was profitable.
- HWC had a positive operating cash flow in the past year.
- In the past 5 years HWC has always been profitable.
- Of the past 5 years HWC 4 years had a positive operating cash flow.
1.2 Ratios
- With an excellent Return On Assets value of 1.34%, HWC belongs to the best of the industry, outperforming 83.29% of the companies in the same industry.
- HWC has a Return On Equity of 10.74%. This is in the better half of the industry: HWC outperforms 71.28% 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
- With an excellent Profit Margin value of 32.22%, HWC belongs to the best of the industry, outperforming 85.12% of the companies in the same industry.
- 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.
- HWC has less shares outstanding than it did 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.
- Looking at the Debt to FCF ratio, with a value of 1.46, HWC is in line with its industry, outperforming 56.40% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.87%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
- HWC shows a small growth in Revenue. In the last year, the Revenue has grown by 4.78%.
- 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
- HWC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.92% 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 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 12.01, which indicates a correct valuation of HWC.
- HWC's Price/Earnings ratio is in line with the industry average.
- The average S&P500 Price/Earnings ratio is at 28.32. HWC is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 11.19, the valuation of HWC can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of HWC is on the same level as its industry peers.
- HWC is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.01 | ||
| Fwd PE | 11.19 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, HWC is valued a bit cheaper than 66.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.16 | ||
| 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)1.63
PEG (5Y)1.44
EPS Next 2Y6.92%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- HWC has a Yearly Dividend Yield of 2.62%.
- HWC's Dividend Yield is comparable with the industry average which is at 2.67.
- Compared to an average S&P500 Dividend Yield of 1.83, HWC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector 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
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
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 12.01 and the Price/Book (PB) ratio is 1.29.
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%.