HWC Fundamental Analysis - HANCOCK WHITNEY CORP

Fundamental Rating

HWC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. While HWC is still in line with the averages on profitability rating, there are concerns on its financial health. HWC has a decent growth rate and is not valued too expensively. HWC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

HWC had positive earnings in the past year.

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

HWC had positive earnings in 4 of the past 5 years.

HWC had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

HWC's Return On Assets of 1.33% is amongst the best of the industry. HWC outperforms 85.20% of its industry peers.

HWC's Return On Equity of 10.73% is fine compared to the rest of the industry. HWC outperforms 75.00% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.33%
ROE	10.73%
ROIC	N/A

ROA(3y)1.29%

ROA(5y)0.99%

ROE(3y)12.25%

ROE(5y)9.55%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of HWC (31.80%) is better than 85.20% of its industry peers.

In the last couple of years the Profit Margin of HWC has grown nicely.

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)	31.8%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.29%

PM growth 5Y3.57%

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 less shares outstanding than it did 1 year ago.

HWC has less shares outstanding than it did 5 years ago.

HWC has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of HWC is 1.50, which is an excellent value as it means it would take HWC, only 1.50 years of fcf income to pay off all of its debts.

HWC has a Debt to FCF ratio (1.50) which is in line with its industry peers.

A Debt/Equity ratio of 0.20 indicates that HWC is not too dependend on debt financing.

HWC has a Debt to Equity ratio (0.20) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	1.5
Altman-Z	N/A

ROIC/WACCN/A

WACC15.07%

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 28.94%, which is quite impressive.

The Earnings Per Share has been growing slightly by 5.19% on average over the past years.

Looking at the last year, HWC shows a small growth in Revenue. The Revenue has grown by 6.92% in the last year.

The Revenue has been growing slightly by 3.61% on average over the past years.

EPS 1Y (TTM)28.94%

EPS 3Y-1.94%

EPS 5Y5.19%

EPS Q2Q%4.58%

Revenue 1Y (TTM)6.92%

Revenue growth 3Y3.68%

Revenue growth 5Y3.61%

Sales Q2Q%4.42%

3.2 Future

Based on estimates for the next years, HWC will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.48% on average per year.

Based on estimates for the next years, HWC will show a small growth in Revenue. The Revenue will grow by 5.16% on average per year.

EPS Next Y7.92%

EPS Next 2Y6.81%

EPS Next 3Y9.48%

EPS Next 5YN/A

Revenue Next Year5.45%

Revenue Next 2Y5.51%

Revenue Next 3Y5.16%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.50, the valuation of HWC can be described as reasonable.

Based on the Price/Earnings ratio, HWC is valued a bit cheaper than 64.54% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.30. HWC is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 10.47, which indicates a very decent valuation of HWC.

Compared to the rest of the industry, the Price/Forward Earnings ratio of HWC is on the same level as its industry peers.

When comparing the Price/Forward Earnings ratio of HWC to the average of the S&P500 Index (22.73), we can say HWC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.5
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 74.23% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	9.38
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)1.45

PEG (5Y)2.22

EPS Next 2Y6.81%

EPS Next 3Y9.48%

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5. Dividend

5.1 Amount

HWC has a Yearly Dividend Yield of 6.46%, which is a nice return.

Compared to an average industry Dividend Yield of 3.73, HWC pays a better dividend. On top of this HWC pays more dividend than 87.50% of the companies listed in the same industry.

HWC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	6.46%

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 31.54% 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.

DP31.54%

EPS Next 2Y6.81%

EPS Next 3Y9.48%

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HANCOCK WHITNEY CORP

NASDAQ:HWC (9/15/2025, 3:22:38 PM)

63.04

-0.18 (-0.28%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-15 2025-07-15/amc

Earnings (Next)10-13 2025-10-13/amc

Inst Owners90.19%

Inst Owner Change-1.32%

Ins Owners0.95%

Ins Owner Change1.81%

Market Cap5.34B

Analysts81.67

Price Target71.66 (13.67%)

Short Float %4.57%

Short Ratio5.02

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.46%

Yearly Dividend1.52

Dividend Growth(5Y)6.82%

DP31.54%

Div Incr Years2

Div Non Decr Years33

Ex-Date09-05 2025-09-05 (0.45)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)2.82%

Min EPS beat(2)-0.35%

Max EPS beat(2)6%

EPS beat(4)3

Avg EPS beat(4)3.81%

Min EPS beat(4)-0.35%

Max EPS beat(4)8.14%

EPS beat(8)6

Avg EPS beat(8)-2.14%

EPS beat(12)7

Avg EPS beat(12)-1.53%

EPS beat(16)11

Avg EPS beat(16)0.93%

Revenue beat(2)0

Avg Revenue beat(2)-1.52%

Min Revenue beat(2)-1.87%

Max Revenue beat(2)-1.18%

Revenue beat(4)0

Avg Revenue beat(4)-1.22%

Min Revenue beat(4)-1.87%

Max Revenue beat(4)-0.74%

Revenue beat(8)0

Avg Revenue beat(8)-2.34%

Revenue beat(12)0

Avg Revenue beat(12)-2.28%

Revenue beat(16)1

Avg Revenue beat(16)-2.01%

PT rev (1m)1.63%

PT rev (3m)9.77%

EPS NQ rev (1m)-0.09%

EPS NQ rev (3m)3.5%

EPS NY rev (1m)1.73%

EPS NY rev (3m)2.08%

Revenue NQ rev (1m)-0.01%

Revenue NQ rev (3m)1.13%

Revenue NY rev (1m)0.06%

Revenue NY rev (3m)0.59%

Valuation

		Industry Rank	Sector Rank
PE	11.5
Fwd PE	10.47
P/S	3.63
P/FCF	9.38
P/OCF	9.15
P/B	1.22
P/tB	1.59
EV/EBITDA	N/A

EPS(TTM)5.48

EY8.69%

EPS(NY)6.02

Fwd EY9.56%

FCF(TTM)6.72

FCFY10.66%

OCF(TTM)6.89

OCFY10.93%

SpS17.38

BVpS51.51

TBVpS39.74

PEG (NY)1.45

PEG (5Y)2.22

Profitability

		Industry Rank	Sector Rank
ROA	1.33%
ROE	10.73%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	31.8%
GM	N/A
FCFM	38.68%

ROA(3y)1.29%

ROA(5y)0.99%

ROE(3y)12.25%

ROE(5y)9.55%

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 3Y-3.29%

PM growth 5Y3.57%

GM growth 3YN/A

GM growth 5YN/A

F-Score9

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	1.5
Debt/EBITDA	N/A
Cap/Depr	35.95%
Cap/Sales	0.98%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	121.65%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC15.07%

ROIC/WACCN/A

Cap/Depr(3y)47.48%

Cap/Depr(5y)53.91%

Cap/Sales(3y)1.54%

Cap/Sales(5y)1.88%

Profit Quality(3y)137.62%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)28.94%

EPS 3Y-1.94%

EPS 5Y5.19%

EPS Q2Q%4.58%

EPS Next Y7.92%

EPS Next 2Y6.81%

EPS Next 3Y9.48%

EPS Next 5YN/A

Revenue 1Y (TTM)6.92%

Revenue growth 3Y3.68%

Revenue growth 5Y3.61%

Sales Q2Q%4.42%

Revenue Next Year5.45%

Revenue Next 2Y5.51%

Revenue Next 3Y5.16%

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 1Y5.35%

FCF growth 3Y3.07%

FCF growth 5Y14.76%

OCF growth 1Y2.48%

OCF growth 3Y2.23%

OCF growth 5Y12.2%

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

More info and screens