66.22 USD
+0.6 (+0.91%)
66.22 USD
0 (0%)
HWC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 385 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. Finally 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.
HWC had positive earnings in 4 of the past 5 years.
In the past 5 years HWC always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of HWC (1.34%) is better than 83.90% of its industry peers.
HWC has a Return On Equity of 10.74%. This is in the better half of the industry: HWC outperforms 71.95% of its industry peers.
| 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
The Profit Margin of HWC (32.22%) is better than 85.71% 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.
HWC has less shares outstanding than it did 1 year ago.
HWC has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, HWC has a worse debt to assets ratio.
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.
A Debt/Equity ratio of 0.18 indicates that HWC is not too dependend on debt financing.
HWC's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. HWC outperforms 45.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15%
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.
HWC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.19% yearly.
Looking at the last year, HWC shows a small growth in Revenue. The Revenue has grown by 7.27% in the last year.
The Revenue has been growing slightly by 3.61% on average over the past years.
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
Based on estimates for the next years, HWC will show a small growth in Earnings Per Share. The EPS will grow by 6.69% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
HWC is valuated reasonably with a Price/Earnings ratio of 11.74.
Based on the Price/Earnings ratio, HWC is valued a bit cheaper than 64.68% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.55, HWC is valued rather cheaply.
A Price/Forward Earnings ratio of 10.97 indicates a reasonable valuation of HWC.
HWC's Price/Forward Earnings ratio is in line with the industry average.
HWC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.74 | ||
| Fwd PE | 10.97 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HWC is valued a bit cheaper than 70.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.78 | ||
| 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)1.35
PEG (5Y)2.26
EPS Next 2Y6.9%
EPS Next 3Y6.69%
5. Dividend
5.1 Amount
HWC has a Yearly Dividend Yield of 6.66%, which is a nice return.
Compared to an average industry Dividend Yield of 2.70, HWC pays a better dividend. On top of this HWC pays more dividend than 96.62% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, HWC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.66% |
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 their dividend for at least 10 years, which is a reliable track record.
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.
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%
66.22
+0.6 (+0.91%)
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 Cap5.54B
Revenue(TTM)1.49B
Net Income(TTM)480.36M
Analysts81.67
Price Target72.26 (9.12%)
Short Float %6.74%
Short Ratio6.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.66% |
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)0.85%
EPS NQ rev (1m)0.34%
EPS NQ rev (3m)0.03%
EPS NY rev (1m)0.14%
EPS NY rev (3m)0.72%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)-1.1%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)-0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.74 | ||
| Fwd PE | 10.97 | ||
| P/S | 3.71 | ||
| P/FCF | 9.78 | ||
| P/OCF | 9.54 | ||
| P/B | 1.24 | ||
| P/tB | 1.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.64
EY8.52%
EPS(NY)6.03
Fwd EY9.11%
FCF(TTM)6.77
FCFY10.22%
OCF(TTM)6.94
OCFY10.48%
SpS17.83
BVpS53.52
TBVpS41.61
PEG (NY)1.35
PEG (5Y)2.26
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%
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 11.74 and the Price/Book (PB) ratio is 1.24.
How sustainable is the dividend of HANCOCK WHITNEY CORP (HWC) stock?
The dividend rating of HANCOCK WHITNEY CORP (HWC) is 8 / 10 and the dividend payout ratio is 31.49%.