HANCOCK WHITNEY CORP (HWC) Stock Fundamental Analysis
USA - NASDAQ:HWC - US4101201097 - Common Stock
58.76 USD
-3.77 (-6.03%)
58.75 USD
-0.01 (-0.02%)
We assign a fundamental rating of 4 out of 10 to HWC. HWC was compared to 391 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. 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 4 of the past 5 years.
HWC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
HWC's Return On Assets of 1.33% is amongst the best of the industry. HWC outperforms 85.17% of its industry peers.
With a decent Return On Equity value of 10.73%, HWC is doing good in the industry, outperforming 75.19% 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
The Profit Margin of HWC (31.80%) is better than 84.65% of its industry peers.
HWC's Profit Margin has improved 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) | 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.
HWC has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, HWC has less shares outstanding
Compared to 1 year ago, HWC has a worse debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 1.50, HWC is in line with its industry, outperforming 59.08% of the companies in the same industry.
A Debt/Equity ratio of 0.20 indicates that HWC is not too dependend on debt financing.
HWC has a Debt to Equity ratio (0.20) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.44%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HWC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.46%, which is quite impressive.
HWC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.19% yearly.
HWC shows a small growth in Revenue. In the last year, the Revenue has grown by 4.33%.
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 quite strong growth in Earnings Per Share. The EPS will grow by 8.38% on average per year.
Based on estimates for the next years, HWC will show a small growth in Revenue. The Revenue will grow by 5.16% on average per year.
EPS Next Y7.92%
EPS Next 2Y6.81%
EPS Next 3Y8.38%
EPS Next 5YN/A
Revenue Next Year5.45%
Revenue Next 2Y5.51%
Revenue Next 3Y5.16%
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
A Price/Earnings ratio of 10.42 indicates a reasonable valuation of HWC.
HWC's Price/Earnings ratio is a bit cheaper when compared to the industry. HWC is cheaper than 70.59% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.55, HWC is valued rather cheaply.
HWC is valuated reasonably with a Price/Forward Earnings ratio of 9.75.
HWC's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of HWC to the average of the S&P500 Index (23.04), we can say HWC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.42 | ||
| Fwd PE | 9.75 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of HWC indicates a somewhat cheap valuation: HWC is cheaper than 75.96% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.74 | ||
| 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)1.32
PEG (5Y)2.01
EPS Next 2Y6.81%
EPS Next 3Y8.38%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.42%, HWC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.59, HWC pays a better dividend. On top of this HWC pays more dividend than 91.05% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.43, HWC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.42% |
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 earnings are growing more, so the dividend growth is sustainable.
DP31.54%
EPS Next 2Y6.81%
EPS Next 3Y8.38%
58.76
-3.77 (-6.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners89.61%
Inst Owner Change-0.08%
Ins Owners0.96%
Ins Owner Change1.81%
Market Cap4.98B
Analysts81.67
Price Target71.66 (21.95%)
Short Float %5.39%
Short Ratio6.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.42% |
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)0.9%
PT rev (3m)8.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.08%
EPS NY rev (1m)0%
EPS NY rev (3m)1.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.92%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.42 | ||
| Fwd PE | 9.75 | ||
| 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 EY10.25%
FCF(TTM)6.72
FCFY11.44%
OCF(TTM)6.89
OCFY11.73%
SpS17.38
BVpS51.51
TBVpS39.74
PEG (NY)1.32
PEG (5Y)2.01
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
ROICexcg growth 3YN/A
ROICexcg 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
WACC15.44%
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 Y7.92%
EPS Next 2Y6.81%
EPS Next 3Y8.38%
EPS Next 5YN/A
Revenue 1Y (TTM)4.33%
Revenue growth 3Y3.68%
Revenue growth 5Y3.61%
Sales Q2Q%4.92%
Revenue Next Year5.45%
Revenue Next 2Y5.51%
Revenue Next 3Y5.16%
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%