63.6 USD
+0.32 (+0.51%)
63.6 USD
0 (0%)
HWC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year HWC was profitable.
HWC had a positive operating cash flow in the past year.
Of the past 5 years HWC 4 years were profitable.
In the past 5 years HWC always reported a positive cash flow from operatings.
1.2 Ratios
HWC's Return On Assets of 1.34% is amongst the best of the industry. HWC outperforms 83.98% of its industry peers.
Looking at the Return On Equity, with a value of 10.74%, HWC is in the better half of the industry, outperforming 71.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.34% | ||
| ROE | 10.74% | ||
| 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
HWC has a Profit Margin of 32.22%. This is amongst the best in the industry. HWC outperforms 85.79% of its industry peers.
HWC's Profit Margin has improved 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-3.29%
PM growth 5Y3.57%
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.
Compared to 1 year ago, HWC has less shares outstanding
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.
The Debt to FCF ratio of HWC (1.46) is comparable to the rest of the industry.
HWC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
HWC has a Debt to Equity ratio (0.18) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.17%
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 26.46%, which is quite impressive.
The Earnings Per Share has been growing slightly by 5.19% on average over the past years.
The Revenue has been growing slightly by 7.27% in the past year.
Measured over the past years, HWC shows a small growth in Revenue. The Revenue has been growing by 3.61% on average per year.
EPS 1Y (TTM)26.46%
EPS 3Y-1.94%
EPS 5Y5.19%
EPS Q2Q%12.03%
Revenue 1Y (TTM)7.27%
Revenue growth 3Y3.68%
Revenue growth 5Y3.61%
Sales Q2Q%4.92%
3.2 Future
The Earnings Per Share is expected to grow by 6.69% on average over the next years.
The Revenue is expected to grow by 4.81% on average over the next years.
EPS Next Y8.7%
EPS Next 2Y6.9%
EPS Next 3Y6.69%
EPS Next 5YN/A
Revenue Next Year4.91%
Revenue Next 2Y4.99%
Revenue Next 3Y4.81%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.28 indicates a reasonable valuation of HWC.
HWC's Price/Earnings ratio is a bit cheaper when compared to the industry. HWC is cheaper than 63.05% of the companies in the same industry.
HWC is valuated cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
HWC is valuated reasonably with a Price/Forward Earnings ratio of 10.54.
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 23.56, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.28 | ||
| Fwd PE | 10.54 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HWC is valued a bit cheaper than the industry average as 71.32% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.39 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
HWC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.3
PEG (5Y)2.17
EPS Next 2Y6.9%
EPS Next 3Y6.69%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.83%, HWC has a reasonable but not impressive dividend return.
HWC's Dividend Yield is comparable with the industry average which is at 3.11.
Compared to an average S&P500 Dividend Yield of 2.31, HWC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.83% |
5.2 History
The dividend of HWC is nicely growing with an annual growth rate of 6.82%!
HWC has paid a dividend for at least 10 years, which is 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 slower than its dividend. This means the dividend growth is not sustainable.
DP31.49%
EPS Next 2Y6.9%
EPS Next 3Y6.69%
63.6
+0.32 (+0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners95.32%
Inst Owner Change5.57%
Ins Owners0.93%
Ins Owner Change-0.52%
Market Cap5.32B
Revenue(TTM)1.49B
Net Income(TTM)480.36M
Analysts81.67
Price Target72.26 (13.62%)
Short Float %6.74%
Short Ratio6.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.83% |
Yearly Dividend1.52
Dividend Growth(5Y)6.82%
DP31.49%
Div Incr Years2
Div Non Decr Years33
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.26%
Min EPS beat(2)-0.35%
Max EPS beat(2)2.87%
EPS beat(4)3
Avg EPS beat(4)4.16%
Min EPS beat(4)-0.35%
Max EPS beat(4)8.14%
EPS beat(8)6
Avg EPS beat(8)-2.66%
EPS beat(12)8
Avg EPS beat(12)-1.26%
EPS beat(16)11
Avg EPS beat(16)0.29%
Revenue beat(2)0
Avg Revenue beat(2)-1.79%
Min Revenue beat(2)-2.4%
Max Revenue beat(2)-1.18%
Revenue beat(4)0
Avg Revenue beat(4)-1.63%
Min Revenue beat(4)-2.4%
Max Revenue beat(4)-1.08%
Revenue beat(8)0
Avg Revenue beat(8)-2.51%
Revenue beat(12)0
Avg Revenue beat(12)-2.43%
Revenue beat(16)0
Avg Revenue beat(16)-2.19%
PT rev (1m)0.18%
PT rev (3m)1.75%
EPS NQ rev (1m)0.34%
EPS NQ rev (3m)0.11%
EPS NY rev (1m)0.14%
EPS NY rev (3m)0.72%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)-1.07%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)-0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.28 | ||
| Fwd PE | 10.54 | ||
| P/S | 3.57 | ||
| P/FCF | 9.39 | ||
| P/OCF | 9.16 | ||
| P/B | 1.19 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.64
EY8.87%
EPS(NY)6.03
Fwd EY9.49%
FCF(TTM)6.77
FCFY10.64%
OCF(TTM)6.94
OCFY10.91%
SpS17.83
BVpS53.52
TBVpS41.61
PEG (NY)1.3
PEG (5Y)2.17
Graham Number82.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.34% | ||
| ROE | 10.74% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 32.22% | ||
| GM | N/A | ||
| FCFM | 37.97% |
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
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-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 | 0.18 | ||
| Debt/FCF | 1.46 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 37.24% | ||
| Cap/Sales | 0.96% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 117.83% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC15.17%
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)26.46%
EPS 3Y-1.94%
EPS 5Y5.19%
EPS Q2Q%12.03%
EPS Next Y8.7%
EPS Next 2Y6.9%
EPS Next 3Y6.69%
EPS Next 5YN/A
Revenue 1Y (TTM)7.27%
Revenue growth 3Y3.68%
Revenue growth 5Y3.61%
Sales Q2Q%4.92%
Revenue Next Year4.91%
Revenue Next 2Y4.99%
Revenue Next 3Y4.81%
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 1Y5.21%
FCF growth 3Y3.07%
FCF growth 5Y14.76%
OCF growth 1Y1.94%
OCF growth 3Y2.23%
OCF growth 5Y12.2%
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.
What is the valuation status for HWC stock?
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.
What is the valuation of HANCOCK WHITNEY CORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for HANCOCK WHITNEY CORP (HWC) is 11.28 and the Price/Book (PB) ratio is 1.19.
How sustainable is the dividend of HANCOCK WHITNEY CORP (HWC) stock?
The dividend rating of HANCOCK WHITNEY CORP (HWC) is 6 / 10 and the dividend payout ratio is 31.49%.