68.34 USD
-0.08 (-0.12%)
68.34 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to HWC. HWC was compared to 383 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.
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
- HWC's Return On Assets of 1.34% is amongst the best of the industry. HWC outperforms 83.29% 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 71.80% 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
- With an excellent Profit Margin value of 32.22%, HWC belongs to the best of the industry, outperforming 85.12% of the companies in the same industry.
- 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.
- 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.
- Compared to 1 year ago, HWC has a worse debt to assets ratio.
2.2 Solvency
- HWC has a debt to FCF ratio of 1.46. This is a very positive value and a sign of high solvency as it would only need 1.46 years to pay back of all of its debts.
- HWC has a Debt to FCF ratio (1.46) which 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 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
WACC14.83%
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.
- 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.
- HWC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.61% yearly.
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 5.92% on average per year.
- The Revenue is expected to grow by 4.81% on average over the next years.
EPS Next Y8.87%
EPS Next 2Y6.91%
EPS Next 3Y5.92%
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 stable.
- 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 correctly with a Price/Earnings ratio of 12.12.
- The rest of the industry has a similar Price/Earnings ratio as HWC.
- HWC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.47.
- A Price/Forward Earnings ratio of 11.32 indicates a reasonable valuation of HWC.
- 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 24.26, HWC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.12 | ||
| Fwd PE | 11.32 |
4.2 Price Multiples
- 66.58% 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 | 10.09 | ||
| 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)1.37
PEG (5Y)2.34
EPS Next 2Y6.91%
EPS Next 3Y5.92%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.65%, HWC has a reasonable but not impressive dividend return.
- HWC's Dividend Yield is comparable with the industry average which is at 2.91.
- HWC's Dividend Yield is a higher than the S&P500 average which is at 1.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.65% |
5.2 History
- The dividend of HWC is nicely growing with an annual growth rate of 6.82%!
- 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 31.49% 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 2Y6.91%
EPS Next 3Y5.92%
68.34
-0.08 (-0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-14 2025-10-14/amc
Earnings (Next)01-20 2026-01-20/amc
Inst Owners95.27%
Inst Owner Change0%
Ins Owners0.93%
Ins Owner Change-0.48%
Market Cap5.71B
Revenue(TTM)1.49B
Net Income(TTM)480.36M
Analysts81.54
Price Target72.61 (6.25%)
Short Float %7.21%
Short Ratio7.09
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.65% |
Yearly Dividend1.52
Dividend Growth(5Y)6.82%
DP31.49%
Div Incr Years2
Div Non Decr Years33
Ex-DateN/A
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)0.49%
PT rev (3m)1.33%
EPS NQ rev (1m)0.62%
EPS NQ rev (3m)0.64%
EPS NY rev (1m)0.15%
EPS NY rev (3m)0.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.12 | ||
| Fwd PE | 11.32 | ||
| P/S | 3.83 | ||
| P/FCF | 10.09 | ||
| P/OCF | 9.85 | ||
| P/B | 1.28 | ||
| P/tB | 1.64 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.64
EY8.25%
EPS(NY)6.04
Fwd EY8.83%
FCF(TTM)6.77
FCFY9.91%
OCF(TTM)6.94
OCFY10.16%
SpS17.83
BVpS53.52
TBVpS41.61
PEG (NY)1.37
PEG (5Y)2.34
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
WACC14.83%
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 Y8.87%
EPS Next 2Y6.91%
EPS Next 3Y5.92%
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.
Can you provide the valuation status for HANCOCK WHITNEY CORP?
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.
Can you provide the PE and PB ratios for HWC stock?
The Price/Earnings (PE) ratio for HANCOCK WHITNEY CORP (HWC) is 12.12 and the Price/Book (PB) ratio is 1.28.
Is the dividend of HANCOCK WHITNEY CORP sustainable?
The dividend rating of HANCOCK WHITNEY CORP (HWC) is 6 / 10 and the dividend payout ratio is 31.49%.