HANCOCK WHITNEY CORP(NASDAQ:HWC) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, HWC scores 3 out of 10 in our fundamental rating. HWC was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of HWC have multiple concerns. HWC is valued correctly, but it does not seem to be growing. Finally HWC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year HWC was profitable.

HWC had a positive operating cash flow in the past year.

The reported net income has been mixed in the past 5 years: HWC reported negative net income in multiple years.

Of the past 5 years HWC 4 years had a positive operating cash flow.

1.2 Ratios

With a decent Return On Assets value of 1.10%, HWC is doing good in the industry, outperforming 73.93% of the companies in the same industry.

HWC has a Return On Equity of 9.26%. This is in the better half of the industry: HWC outperforms 62.41% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.1%
ROE	9.26%
ROIC	N/A

ROA(3y)1.27%

ROA(5y)0.94%

ROE(3y)12.68%

ROE(5y)9.19%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 27.81%, HWC is in the better half of the industry, outperforming 76.94% of the companies in the same industry.

In the last couple of years the Profit Margin of HWC has remained more or less at the same level.

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)	27.81%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5Y0.01%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

The Debt to FCF ratio of HWC is 2.32, which is a good value as it means it would take HWC, 2.32 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 2.32, HWC perfoms like the industry average, outperforming 55.14% of the companies in the same industry.

A Debt/Equity ratio of 0.29 indicates that HWC is not too dependend on debt financing.

With a Debt to Equity ratio value of 0.29, HWC is not doing good in the industry: 63.66% of the companies in the same industry are doing better.

Although HWC does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.

		Industry Rank	Sector Rank
Debt/Equity	0.29
Debt/FCF	2.32
Altman-Z	N/A

ROIC/WACCN/A

WACC12.53%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

HWC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.33%, which is quite good.

Measured over the past 5 years, HWC shows a small growth in Earnings Per Share. The EPS has been growing by 5.19% on average per year.

EPS 1Y (TTM)17.33%

EPS 3Y-1.94%

EPS 5Y5.19%

EPS Q2Q%141.38%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%17.2%

3.2 Future

The Earnings Per Share is expected to grow by 8.30% on average over the next years. This is quite good.

Based on estimates for the next years, HWC will show a small growth in Revenue. The Revenue will grow by 5.28% on average per year.

EPS Next Y2.78%

EPS Next 2Y4.88%

EPS Next 3Y8.3%

EPS Next 5YN/A

Revenue Next Year4.64%

Revenue Next 2Y5.28%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.76 indicates a reasonable valuation of HWC.

Based on the Price/Earnings ratio, HWC is valued a bit cheaper than 74.94% of the companies in the same industry.

When comparing the Price/Earnings ratio of HWC to the average of the S&P500 Index (29.62), we can say HWC is valued rather cheaply.

With a Price/Forward Earnings ratio of 10.47, the valuation of HWC can be described as very reasonable.

65.91% of the companies in the same industry are more expensive than HWC, based on the Price/Forward Earnings ratio.

HWC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.70, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.76
Fwd PE	10.47

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, HWC is valued a bit cheaper than the industry average as 74.19% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	9.42
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates HWC does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)3.87

PEG (5Y)2.07

EPS Next 2Y4.88%

EPS Next 3Y8.3%

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5. Dividend

5.1 Amount

HWC has a Yearly Dividend Yield of 3.10%.

HWC's Dividend Yield is comparable with the industry average which is at 3.19.

HWC's Dividend Yield is a higher than the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	3.1%

5.2 History

The dividend of HWC has a limited annual growth rate of 3.19%.

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)3.19%

Div Incr Years2

Div Non Decr Years33

5.3 Sustainability

HWC pays out 31.65% of its income as dividend. This is a sustainable payout ratio.

HWC's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP31.65%

EPS Next 2Y4.88%

EPS Next 3Y8.3%

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HANCOCK WHITNEY CORP

NASDAQ:HWC (2/21/2025, 8:26:18 PM)

Premarket: 57.18 +0.36 (+0.63%)

56.82

-1.3 (-2.24%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-21 2025-01-21/amc

Earnings (Next)04-14 2025-04-14/amc

Inst Owners87.9%

Inst Owner Change-92.82%

Ins Owners0.96%

Ins Owner Change0.28%

Market Cap4.89B

Analysts83.33

Price Target71.43 (25.71%)

Short Float %3.14%

Short Ratio4.5

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.1%

Yearly Dividend1.22

Dividend Growth(5Y)3.19%

DP31.65%

Div Incr Years2

Div Non Decr Years33

Ex-Date03-05 2025-03-05 (0.45)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)4.9%

Min EPS beat(2)1.44%

Max EPS beat(2)8.36%

EPS beat(4)3

Avg EPS beat(4)-9.48%

Min EPS beat(4)-51.55%

Max EPS beat(4)8.36%

EPS beat(8)5

Avg EPS beat(8)-3.97%

EPS beat(12)8

Avg EPS beat(12)-1%

EPS beat(16)12

Avg EPS beat(16)4.66%

Revenue beat(2)0

Avg Revenue beat(2)-0.8%

Min Revenue beat(2)-0.86%

Max Revenue beat(2)-0.74%

Revenue beat(4)0

Avg Revenue beat(4)-3.4%

Min Revenue beat(4)-10.13%

Max Revenue beat(4)-0.74%

Revenue beat(8)0

Avg Revenue beat(8)-2.83%

Revenue beat(12)0

Avg Revenue beat(12)-2.37%

Revenue beat(16)3

Avg Revenue beat(16)-1.57%

PT rev (1m)6.56%

PT rev (3m)14.63%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0.08%

EPS NY rev (3m)0.1%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	10.76
Fwd PE	10.47
P/S	3.52
P/FCF	9.42
P/OCF	9.28
P/B	1.17
P/tB	1.49
EV/EBITDA	N/A

EPS(TTM)5.28

EY9.29%

EPS(NY)5.43

Fwd EY9.55%

FCF(TTM)6.03

FCFY10.62%

OCF(TTM)6.12

OCFY10.78%

SpS16.15

BVpS48.51

TBVpS38.13

PEG (NY)3.87

PEG (5Y)2.07

Profitability

		Industry Rank	Sector Rank
ROA	1.1%
ROE	9.26%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.81%
GM	N/A
FCFM	37.35%

ROA(3y)1.27%

ROA(5y)0.94%

ROE(3y)12.68%

ROE(5y)9.19%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5Y0.01%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.29
Debt/FCF	2.32
Debt/EBITDA	N/A
Cap/Depr	18.47%
Cap/Sales	0.57%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	134.3%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC12.53%

ROIC/WACCN/A

Cap/Depr(3y)56.4%

Cap/Depr(5y)65.52%

Cap/Sales(3y)1.91%

Cap/Sales(5y)2.45%

Profit Quality(3y)134.07%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)17.33%

EPS 3Y-1.94%

EPS 5Y5.19%

EPS Q2Q%141.38%

EPS Next Y2.78%

EPS Next 2Y4.88%

EPS Next 3Y8.3%

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%17.2%

Revenue Next Year4.64%

Revenue Next 2Y5.28%

Revenue Next 3YN/A

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-25.46%

FCF growth 3Y14.01%

FCF growth 5Y3.37%

OCF growth 1Y-27.79%

OCF growth 3Y11.72%

OCF growth 5Y1.97%

HANCOCK WHITNEY CORP (HWC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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