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. There are concerns on the financial health of HWC while its profitability can be described as average. HWC has a correct valuation and a medium 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.
- HWC had positive earnings in 4 of the past 5 years.
- Each year in the past 5 years HWC had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of HWC (1.34%) is better than 83.29% of its industry peers.
- HWC has a Return On Equity of 10.74%. This is in the better half of the industry: HWC outperforms 71.80% 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
- HWC's Profit Margin of 32.22% is amongst the best of the industry. HWC outperforms 85.12% 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
- The debt/assets ratio for HWC is higher compared to a year ago.
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.
- Looking at the Debt to FCF ratio, with a value of 1.46, HWC is in line with its industry, outperforming 56.40% of the companies in the same industry.
- HWC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
- With a Debt to Equity ratio value of 0.18, HWC perfoms like the industry average, outperforming 46.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.88%
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.
- 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
- The Earnings Per Share is expected to grow by 5.92% on average over the next years.
- The Revenue is expected to grow by 4.83% on average over the next years.
EPS Next Y8.87%
EPS Next 2Y6.91%
EPS Next 3Y5.92%
EPS Next 5YN/A
Revenue Next Year4.98%
Revenue Next 2Y5.05%
Revenue Next 3Y4.83%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same 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 correctly with a Price/Earnings ratio of 12.12.
- Compared to the rest of the industry, the Price/Earnings ratio of HWC is on the same level as its industry peers.
- The average S&P500 Price/Earnings ratio is at 27.38. HWC is valued rather cheaply when compared to this.
- 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.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. HWC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.12 | ||
| Fwd PE | 11.32 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, HWC is valued a bit cheaper than 66.06% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.09 | ||
| 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)1.37
PEG (5Y)2.34
EPS Next 2Y6.91%
EPS Next 3Y5.92%
5. Dividend
5.1 Amount
- HWC has a Yearly Dividend Yield of 2.63%.
- Compared to an average industry Dividend Yield of 2.86, HWC has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.84, HWC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
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 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.
- The dividend of HWC is growing, but the earnings are growing slower. 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 Change-0.07%
Ins Owners0.93%
Ins Owner Change-0.48%
Market Cap5.71B
Revenue(TTM)1.49B
Net Income(TTM)480.36M
Analysts81.54
Price Target75.42 (10.36%)
Short Float %7.21%
Short Ratio7.09
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
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)4.38%
PT rev (3m)5.26%
EPS NQ rev (1m)2.1%
EPS NQ rev (3m)2.13%
EPS NY rev (1m)0.15%
EPS NY rev (3m)0.88%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)-0.89%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-0.45%
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
WACC14.88%
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 Year4.98%
Revenue Next 2Y5.05%
Revenue Next 3Y4.83%
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%.