68.78 USD
+1.49 (+2.21%)
68.78 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 has a correct valuation and a medium growth rate. Finally HWC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year HWC was profitable.
- In the past year HWC had a positive cash flow from operations.
- HWC had positive earnings in each of the past 5 years.
- Of the past 5 years HWC 4 years had a positive operating cash flow.
1.2 Ratios
- With an excellent Return On Assets value of 1.34%, HWC belongs to the best of the industry, outperforming 83.29% of the companies in the same industry.
- HWC's Return On Equity of 10.74% is fine compared to the rest of the industry. HWC outperforms 71.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.34% | ||
| ROE | 10.74% | ||
| 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
1.3 Margins
- HWC has a better Profit Margin (32.22%) than 85.12% of its industry peers.
- HWC's Profit Margin has declined in the last couple of years.
- 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) | 32.22% | ||
| 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
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.
- The number of shares outstanding for HWC has been reduced compared to 5 years ago.
- HWC has a worse debt/assets ratio than last year.
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.
- HWC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
- 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
WACC14.87%
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 nice 8.52% over the past year.
- HWC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.33% yearly.
- The Revenue has been growing slightly by 4.78% in the past year.
- Measured over the past years, HWC shows a small growth in Revenue. The Revenue has been growing by 3.64% on average per year.
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
- HWC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.92% yearly.
- HWC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.31% yearly.
EPS Next Y7.35%
EPS Next 2Y6.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.52%
Revenue Next 2Y4.94%
Revenue Next 3Y4.31%
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.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- HWC is valuated correctly with a Price/Earnings ratio of 12.00.
- HWC's Price/Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 28.60, HWC is valued rather cheaply.
- A Price/Forward Earnings ratio of 11.18 indicates a reasonable valuation of HWC.
- The rest of the industry has a similar Price/Forward Earnings ratio as HWC.
- The average S&P500 Price/Forward Earnings ratio is at 25.83. HWC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12 | ||
| Fwd PE | 11.18 |
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 | 10.16 | ||
| 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)1.63
PEG (5Y)1.44
EPS Next 2Y6.92%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- HWC has a Yearly Dividend Yield of 2.67%.
- Compared to an average industry Dividend Yield of 2.60, HWC has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, HWC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.67% |
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
- 31.49% of the earnings are spent on dividend by HWC. This is a low number and sustainable payout ratio.
- The dividend of HWC is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP31.49%
EPS Next 2Y6.92%
EPS Next 3YN/A
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 4 / 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 and the Price/Book (PB) ratio is 1.29.
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 31.49%.