HANCOCK WHITNEY CORP (HWC) Fundamental Analysis & Valuation

NASDAQ:HWC • US4101201097

Current stock price

64.29 USD
+0.18 (+0.28%)
At close:
64.29 USD
0 (0%)
After Hours:

This HWC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. HWC Profitability Analysis

1.1 Basic Checks

  • In the past year HWC was profitable.
  • HWC had a positive operating cash flow in the past year.
  • HWC had positive earnings in each of the past 5 years.
  • HWC had a positive operating cash flow in each of the past 5 years.
HWC Yearly Net Income VS EBIT VS OCF VS FCFHWC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.36%, HWC belongs to the top of the industry, outperforming 83.42% of the companies in the same industry.
  • HWC's Return On Equity of 10.85% is fine compared to the rest of the industry. HWC outperforms 67.89% of its industry peers.
Industry RankSector Rank
ROA 1.36%
ROE 10.85%
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
HWC Yearly ROA, ROE, ROICHWC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • HWC's Profit Margin of 31.94% is amongst the best of the industry. HWC outperforms 82.37% of its industry peers.
  • 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 RankSector Rank
OM N/A
PM (TTM) 31.94%
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
HWC Yearly Profit, Operating, Gross MarginsHWC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. HWC Health Analysis

2.1 Basic Checks

  • HWC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for HWC has been reduced compared to 1 year ago.
  • HWC has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for HWC has been reduced compared to a year ago.
HWC Yearly Shares OutstandingHWC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
HWC Yearly Total Debt VS Total AssetsHWC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • The Debt to FCF ratio of HWC is 1.56, which is an excellent value as it means it would take HWC, only 1.56 years of fcf income to pay off all of its debts.
  • HWC has a Debt to FCF ratio of 1.56. This is comparable to the rest of the industry: HWC outperforms 55.79% of its industry peers.
  • HWC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of HWC (0.18) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.56
Altman-Z N/A
ROIC/WACCN/A
WACC13.98%
HWC Yearly LT Debt VS Equity VS FCFHWC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HWC Yearly Current Assets VS Current LiabilitesHWC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. HWC Growth Analysis

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.
  • Looking at the last year, HWC shows a small growth in Revenue. The Revenue has grown by 4.78% in the last year.
  • The Revenue has been growing slightly by 3.64% on average over the past years.
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

  • The Earnings Per Share is expected to grow by 8.99% 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 4.31% on average per year.
EPS Next Y11.11%
EPS Next 2Y9.28%
EPS Next 3Y8.99%
EPS Next 5YN/A
Revenue Next Year5.84%
Revenue Next 2Y5.1%
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.
HWC Yearly Revenue VS EstimatesHWC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B
HWC Yearly EPS VS EstimatesHWC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 2 4 6

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5

4. HWC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.22 indicates a reasonable valuation of HWC.
  • Based on the Price/Earnings ratio, HWC is valued a bit cheaper than 61.84% of the companies in the same industry.
  • HWC is valuated cheaply when we compare the Price/Earnings ratio to 25.60, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 10.10, the valuation of HWC can be described as reasonable.
  • HWC's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.84, HWC is valued rather cheaply.
Industry RankSector Rank
PE 11.22
Fwd PE 10.1
HWC Price Earnings VS Forward Price EarningsHWC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, HWC is valued a bit cheaper than 67.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.04
EV/EBITDA N/A
HWC Per share dataHWC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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)1.01
PEG (5Y)1.35
EPS Next 2Y9.28%
EPS Next 3Y8.99%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. HWC Dividend Analysis

5.1 Amount

  • HWC has a Yearly Dividend Yield of 3.15%.
  • HWC's Dividend Yield is a higher than the industry average which is at 2.66.
  • HWC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
Industry RankSector Rank
Dividend Yield 3.15%

5.2 History

  • The dividend of HWC is nicely growing with an annual growth rate of 10.83%!
  • 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)10.83%
Div Incr Years2
Div Non Decr Years33
HWC Yearly Dividends per shareHWC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • HWC pays out 31.78% 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.
DP31.78%
EPS Next 2Y9.28%
EPS Next 3Y8.99%
HWC Yearly Income VS Free CF VS DividendHWC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M
HWC Dividend Payout.HWC Dividend Payout, showing the Payout Ratio.HWC Dividend Payout.PayoutRetained Earnings

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HWC Fundamentals: All Metrics, Ratios and Statistics

HANCOCK WHITNEY CORP

NASDAQ:HWC (4/2/2026, 8:00:02 PM)

After market: 64.29 0 (0%)

64.29

+0.18 (+0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-21
Inst Owners94.73%
Inst Owner Change-1.06%
Ins Owners0.91%
Ins Owner Change0.61%
Market Cap5.25B
Revenue(TTM)1.52B
Net Income(TTM)484.03M
Analysts83.33
Price Target78.31 (21.81%)
Short Float %8.75%
Short Ratio7.87
Dividend
Industry RankSector Rank
Dividend Yield 3.15%
Yearly Dividend1.83
Dividend Growth(5Y)10.83%
DP31.78%
Div Incr Years2
Div Non Decr Years33
Ex-Date03-05
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.96%
Min EPS beat(2)-0.95%
Max EPS beat(2)2.87%
EPS beat(4)2
Avg EPS beat(4)1.89%
Min EPS beat(4)-0.95%
Max EPS beat(4)6%
EPS beat(8)6
Avg EPS beat(8)3.67%
EPS beat(12)8
Avg EPS beat(12)-1.27%
EPS beat(16)10
Avg EPS beat(16)-0.6%
Revenue beat(2)0
Avg Revenue beat(2)-2.05%
Min Revenue beat(2)-2.4%
Max Revenue beat(2)-1.71%
Revenue beat(4)0
Avg Revenue beat(4)-1.79%
Min Revenue beat(4)-2.4%
Max Revenue beat(4)-1.18%
Revenue beat(8)0
Avg Revenue beat(8)-1.46%
Revenue beat(12)0
Avg Revenue beat(12)-2.16%
Revenue beat(16)0
Avg Revenue beat(16)-2.15%
PT rev (1m)-0.61%
PT rev (3m)7.85%
EPS NQ rev (1m)0.25%
EPS NQ rev (3m)4.9%
EPS NY rev (1m)-0.29%
EPS NY rev (3m)5.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.8%
Valuation
Industry RankSector Rank
PE 11.22
Fwd PE 10.1
P/S 3.46
P/FCF 10.04
P/OCF 9.69
P/B 1.18
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)5.73
EY8.91%
EPS(NY)6.37
Fwd EY9.9%
FCF(TTM)6.41
FCFY9.96%
OCF(TTM)6.63
OCFY10.32%
SpS18.56
BVpS54.62
TBVpS42.46
PEG (NY)1.01
PEG (5Y)1.35
Graham Number83.91
Profitability
Industry RankSector Rank
ROA 1.36%
ROE 10.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.94%
GM N/A
FCFM 34.52%
ROA(3y)1.25%
ROA(5y)1.29%
ROE(3y)10.72%
ROE(5y)12%
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-5.11%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.56
Debt/EBITDA N/A
Cap/Depr 50.23%
Cap/Sales 1.24%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 108.06%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC13.98%
ROIC/WACCN/A
Cap/Depr(3y)42.95%
Cap/Depr(5y)48.8%
Cap/Sales(3y)1.25%
Cap/Sales(5y)1.53%
Profit Quality(3y)121.17%
Profit Quality(5y)128.94%
High Growth Momentum
Growth
EPS 1Y (TTM)8.52%
EPS 3Y-1.41%
EPS 5Y8.33%
EPS Q2Q%6.43%
EPS Next Y11.11%
EPS Next 2Y9.28%
EPS Next 3Y8.99%
EPS Next 5YN/A
Revenue 1Y (TTM)4.78%
Revenue growth 3Y3.13%
Revenue growth 5Y3.64%
Sales Q2Q%6.73%
Revenue Next Year5.84%
Revenue Next 2Y5.1%
Revenue Next 3Y4.31%
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-15.02%
FCF growth 3Y-13.67%
FCF growth 5Y10.51%
OCF growth 1Y-13.42%
OCF growth 3Y-13.67%
OCF growth 5Y8.81%

HANCOCK WHITNEY CORP / HWC Fundamental Analysis 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 of HANCOCK WHITNEY CORP (HWC) stock?

ChartMill assigns a valuation rating of 5 / 10 to HANCOCK WHITNEY CORP (HWC). This can be considered as Fairly Valued.


What is the profitability of HWC stock?

HANCOCK WHITNEY CORP (HWC) has a profitability rating of 4 / 10.


How financially healthy is HANCOCK WHITNEY CORP?

The financial health rating of HANCOCK WHITNEY CORP (HWC) is 3 / 10.


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 31.78%.