(HWC) Hancock Whitney - Ratings and Ratios
Deposits, Loans, Mortgages, Treasury, Investments, Insurance
Dividends
| Dividend Yield | 2.84% |
| Yield on Cost 5y | 6.90% |
| Yield CAGR 5y | 8.56% |
| Payout Consistency | 92.4% |
| Payout Ratio | 32.2% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 32.0% |
| Value at Risk 5%th | 48.6% |
| Relative Tail Risk | -7.62% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.34 |
| Alpha | -4.32 |
| CAGR/Max DD | 0.25 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.539 |
| Beta | 1.138 |
| Beta Downside | 1.194 |
| Drawdowns 3y | |
|---|---|
| Max DD | 39.81% |
| Mean DD | 13.49% |
| Median DD | 11.12% |
Description: HWC Hancock Whitney November 06, 2025
Hancock Whitney Corp. (NASDAQ:HWC) is a U.S.-based financial holding company that operates Hancock Whitney Bank, delivering traditional and digital banking services to commercial, small-business, and retail clients. Its product suite spans deposit accounts (including brokered and money-market deposits), treasury-management tools, a full range of secured and unsecured loans, letters of credit, trust and investment-management services, as well as brokerage and advisory offerings. The firm also originates commercial and industrial loans (real-estate, construction, land-development), residential mortgages, consumer loans, and provides middle-market corporate finance such as equipment leases. Additional activities include participation in New Markets Tax Credit projects, management of foreclosed assets, and distribution of fixed-annuity and life-insurance products.
Key recent metrics (Q3 2024) show a net interest margin of ~3.6%, a loan-to-deposit ratio of ~78%, and a return on equity (ROE) of roughly 11%, indicating solid profitability relative to peers. The bank’s earnings are sensitive to the prevailing interest-rate environment and to regional economic conditions in the Gulf Coast, where exposure to oil-and-gas and real-estate cycles remains a material driver of loan performance. Moreover, the broader regional-bank sector is currently navigating tighter credit standards and heightened regulatory scrutiny, which can affect growth prospects and capital allocation decisions.
For a deeper quantitative view, you may want to explore the ValueRay platform’s detailed valuation metrics and scenario analyses.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (482.6m TTM) > 0 and > 6% of Revenue (6% = 120.5m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 0.11pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -48.82% (prev -1176 %; Δ 1127 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 580.3m > Net Income 482.6m (YES >=105%, WARN >=100%) |
| Net Debt (1.59b) to EBITDA (642.2m) ratio: 2.47 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.48 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (85.5m) change vs 12m ago -1.28% (target <= -2.0% for YES) |
| Gross Margin 71.56% (prev 65.60%; Δ 5.96pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.66% (prev 5.65%; Δ 0.00pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.16 (EBITDA TTM 642.2m / Interest Expense TTM 523.1m) >= 6 (WARN >= 3) |
Altman Z'' 0.35
| (A) -0.03 = (Total Current Assets 911.3m - Total Current Liabilities 1.89b) / Total Assets 35.77b |
| (B) 0.08 = Retained Earnings (Balance) 2.95b / Total Assets 35.77b |
| (C) 0.02 = EBIT TTM 604.6m / Avg Total Assets 35.50b |
| (D) 0.14 = Book Value of Equity 4.47b / Total Liabilities 31.29b |
| Total Rating: 0.35 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 69.48
| 1. Piotroski 3.50pt |
| 2. FCF Yield 59.65% |
| 3. FCF Margin 28.19% |
| 4. Debt/Equity 0.47 |
| 5. Debt/Ebitda 2.47 |
| 6. ROIC - WACC (= 0.68)% |
| 7. RoE 11.19% |
| 8. Rev. Trend 85.80% |
| 9. EPS Trend -15.36% |
What is the price of HWC shares?
Over the past week, the price has changed by +5.18%, over one month by +8.55%, over three months by +1.61% and over the past year by +11.48%.
Is HWC a buy, sell or hold?
- Strong Buy: 5
- Buy: 2
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the HWC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 70.8 | 11.9% |
| Analysts Target Price | 70.8 | 11.9% |
| ValueRay Target Price | 69.2 | 9.4% |
HWC Fundamental Data Overview November 27, 2025
P/E Trailing = 10.9102
P/E Forward = 10.0908
P/S = 3.5868
P/B = 1.1044
Beta = 1.109
Revenue TTM = 2.01b USD
EBIT TTM = 604.6m USD
EBITDA TTM = 642.2m USD
Long Term Debt = 210.7m USD (from longTermDebt, last quarter)
Short Term Debt = 1.89b USD (from shortTermDebt, last quarter)
Debt = 2.11b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.59b USD (from netDebt column, last quarter)
Enterprise Value = 948.9m USD (5.15b + Debt 2.11b - CCE 6.31b)
Interest Coverage Ratio = 1.16 (Ebit TTM 604.6m / Interest Expense TTM 523.1m)
FCF Yield = 59.65% (FCF TTM 566.0m / Enterprise Value 948.9m)
FCF Margin = 28.19% (FCF TTM 566.0m / Revenue TTM 2.01b)
Net Margin = 24.04% (Net Income TTM 482.6m / Revenue TTM 2.01b)
Gross Margin = 71.56% ((Revenue TTM 2.01b - Cost of Revenue TTM 571.0m) / Revenue TTM)
Gross Margin QoQ = 72.44% (prev 71.89%)
Tobins Q-Ratio = 0.03 (Enterprise Value 948.9m / Total Assets 35.77b)
Interest Expense / Debt = 6.24% (Interest Expense 131.4m / Debt 2.11b)
Taxrate = 20.50% (32.9m / 160.3m)
NOPAT = 480.7m (EBIT 604.6m * (1 - 20.50%))
Current Ratio = 0.48 (Total Current Assets 911.3m / Total Current Liabilities 1.89b)
Debt / Equity = 0.47 (Debt 2.11b / totalStockholderEquity, last quarter 4.47b)
Debt / EBITDA = 2.47 (Net Debt 1.59b / EBITDA 642.2m)
Debt / FCF = 2.80 (Net Debt 1.59b / FCF TTM 566.0m)
Total Stockholder Equity = 4.31b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.35% (Net Income 482.6m / Total Assets 35.77b)
RoE = 11.19% (Net Income TTM 482.6m / Total Stockholder Equity 4.31b)
RoCE = 13.37% (EBIT 604.6m / Capital Employed (Equity 4.31b + L.T.Debt 210.7m))
RoIC = 9.36% (NOPAT 480.7m / Invested Capital 5.13b)
WACC = 8.69% (E(5.15b)/V(7.26b) * Re(10.21%) + D(2.11b)/V(7.26b) * Rd(6.24%) * (1-Tc(0.21)))
Discount Rate = 10.21% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.67%
[DCF Debug] Terminal Value 70.83% ; FCFE base≈547.2m ; Y1≈549.3m ; Y5≈587.1m
Fair Price DCF = 87.09 (DCF Value 7.28b / Shares Outstanding 83.6m; 5y FCF grow -0.14% → 3.0% )
EPS Correlation: -15.36 | EPS CAGR: -1.05% | SUE: 0.25 | # QB: 0
Revenue Correlation: 85.80 | Revenue CAGR: 12.75% | SUE: 0.67 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.42 | Chg30d=-0.008 | Revisions Net=-6 | Analysts=8
EPS next Year (2026-12-31): EPS=5.97 | Chg30d=-0.006 | Revisions Net=-4 | Growth EPS=+4.7% | Growth Revenue=+5.0%
Additional Sources for HWC Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle