HANCOCK WHITNEY CORP (HWC) Stock Fundamental Analysis
USA - NASDAQ:HWC - US4101201097 - Common Stock
58.77 USD
+0.72 (+1.24%)
58.77 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to HWC. HWC was compared to 388 industry peers in the Banks industry. HWC has a medium profitability rating, but doesn't score so well on its financial health evaluation. HWC has a decent growth rate and is not valued too expensively. 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.
Of the past 5 years HWC 4 years were profitable.
Each year in the past 5 years HWC had a positive operating cash flow.
1.2 Ratios
The Return On Assets of HWC (1.33%) is better than 85.13% of its industry peers.
With a decent Return On Equity value of 10.73%, HWC is doing good in the industry, outperforming 73.85% of the companies in the same industry.
| 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
Looking at the Profit Margin, with a value of 31.80%, HWC belongs to the top of the industry, outperforming 84.62% of the companies in the same industry.
In the last couple of years the Profit Margin of HWC has grown nicely.
The Operating Margin and Gross Margin are not available for HWC so they could not be analyzed.
| 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
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
The debt/assets ratio for HWC is higher compared to a year ago.
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's Debt to FCF ratio of 1.50 is in line compared to the rest of the industry. HWC outperforms 58.97% of its industry peers.
HWC has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
HWC has a Debt to Equity ratio (0.20) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.5%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 26.46% over the past year.
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.
Looking at the last year, HWC shows a small growth in Revenue. The Revenue has grown by 4.33% in the last 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)4.33%
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 6.76% on average per year.
HWC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.02% yearly.
EPS Next Y8.55%
EPS Next 2Y6.75%
EPS Next 3Y6.76%
EPS Next 5YN/A
Revenue Next Year5.04%
Revenue Next 2Y5.12%
Revenue Next 3Y5.02%
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.
4. Valuation
4.1 Price/Earnings Ratio
HWC is valuated reasonably with a Price/Earnings ratio of 10.42.
66.41% of the companies in the same industry are more expensive than HWC, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of HWC to the average of the S&P500 Index (26.06), we can say HWC is valued rather cheaply.
HWC is valuated reasonably with a Price/Forward Earnings ratio of 9.77.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HWC is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.73, HWC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.42 | ||
| Fwd PE | 9.77 |
4.2 Price Multiples
76.15% of the companies in the same industry are more expensive than HWC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.74 | ||
| 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)1.22
PEG (5Y)2.01
EPS Next 2Y6.75%
EPS Next 3Y6.76%
5. Dividend
5.1 Amount
HWC has a Yearly Dividend Yield of 6.47%, which is a nice return.
HWC's Dividend Yield is rather good when compared to the industry average which is at 3.38. HWC pays more dividend than 94.62% of the companies in the same industry.
HWC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.47% |
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
31.54% of the earnings are spent on dividend by HWC. This is a low number and sustainable payout ratio.
The dividend of HWC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP31.54%
EPS Next 2Y6.75%
EPS Next 3Y6.76%
58.77
+0.72 (+1.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners89.61%
Inst Owner Change-0.65%
Ins Owners0.96%
Ins Owner Change0.08%
Market Cap4.98B
Revenue(TTM)1.45B
Net Income(TTM)468.24M
Analysts81.67
Price Target72.13 (22.73%)
Short Float %5.43%
Short Ratio5.29
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.47% |
Yearly Dividend1.52
Dividend Growth(5Y)6.82%
DP31.54%
Div Incr Years2
Div Non Decr Years33
Ex-Date
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)0.67%
PT rev (3m)2.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.09%
EPS NY rev (1m)0.58%
EPS NY rev (3m)2.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.01%
Revenue NY rev (1m)-0.39%
Revenue NY rev (3m)-0.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.42 | ||
| Fwd PE | 9.77 | ||
| P/S | 3.38 | ||
| P/FCF | 8.74 | ||
| P/OCF | 8.53 | ||
| P/B | 1.14 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.64
EY9.6%
EPS(NY)6.02
Fwd EY10.24%
FCF(TTM)6.72
FCFY11.44%
OCF(TTM)6.89
OCFY11.73%
SpS17.38
BVpS51.51
TBVpS39.74
PEG (NY)1.22
PEG (5Y)2.01
Graham Number80.85
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
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 | 0.2 | ||
| 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
WACC15.5%
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 Y8.55%
EPS Next 2Y6.75%
EPS Next 3Y6.76%
EPS Next 5YN/A
Revenue 1Y (TTM)4.33%
Revenue growth 3Y3.68%
Revenue growth 5Y3.61%
Sales Q2Q%4.92%
Revenue Next Year5.04%
Revenue Next 2Y5.12%
Revenue Next 3Y5.02%
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 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 10.42 and the Price/Book (PB) ratio is 1.14.
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 31.54%.