(HWC) Hancock Whitney - Ratings and Ratios
Checking, Savings, Loans, Mortgages, Investments
HWC EPS (Earnings per Share)
HWC Revenue
Description: HWC Hancock Whitney
Hancock Whitney Corporation is a financial holding company that operates Hancock Whitney Bank, providing a range of banking services to commercial, small business, and retail customers across the United States. The companys diverse product offerings include transaction and savings deposit products, treasury management services, secured and unsecured loan products, trust and investment management services, and investment advisory and brokerage products.
From a business perspective, Hancock Whitney Corporation has a strong presence in the regional banking market, with a focus on serving middle market and corporate clients. The companys commercial finance products, including leases and related structures, are a key component of its revenue stream. Additionally, Hancock Whitney Corporations investment in new market tax credit activities and its holding of certain foreclosed assets are also important aspects of its business.
To further evaluate the companys performance, key performance indicators (KPIs) such as Net Interest Margin (NIM), Efficiency Ratio, and Loan-to-Deposit Ratio can be considered. A high NIM indicates a companys ability to maintain a healthy margin between its interest income and expense. An Efficiency Ratio below 60% is generally considered good, indicating that the company is operating efficiently. A Loan-to-Deposit Ratio between 80-90% is typically considered optimal, as it suggests that the company is lending out a significant portion of its deposits while maintaining sufficient liquidity.
Other relevant KPIs for Hancock Whitney Corporation include its Return on Assets (ROA) and Capital Adequacy Ratio. A ROA above 1% is generally considered good, indicating that the company is generating a reasonable return on its assets. A Capital Adequacy Ratio above 10% is typically considered well-capitalized, indicating that the company has sufficient capital to absorb potential losses.
HWC Stock Overview
| Market Cap in USD | 4,972m |
| Sector | Financial Services |
| Industry | Banks - Regional |
| GiC Sub-Industry | Regional Banks |
| IPO / Inception | 2001-01-02 |
HWC Stock Ratings
| Growth Rating | 71.6 |
| Fundamental | 58.7% |
| Dividend Rating | 81.0 |
| Rel. Strength | 3.24 |
| Analysts | 4.50 of 5 |
| Fair Price Momentum | 68.57 USD |
| Fair Price DCF | 87.83 USD |
HWC Dividends
| Dividend Yield 12m | 3.76% |
| Yield on Cost 5y | 11.50% |
| Annual Growth 5y | 6.79% |
| Payout Consistency | 94.5% |
| Payout Ratio | 32.2% |
HWC Growth Ratios
| Growth Correlation 3m | 68.8% |
| Growth Correlation 12m | 49.6% |
| Growth Correlation 5y | 62.7% |
| CAGR 5y | 26.41% |
| CAGR/Max DD 5y | 0.63 |
| Sharpe Ratio 12m | 0.52 |
| Alpha | 6.52 |
| Beta | 1.100 |
| Volatility | 31.71% |
| Current Volume | 528.4k |
| Average Volume 20d | 709.4k |
| Stop Loss | 58.4 (-3.1%) |
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (458.4m TTM) > 0 and > 6% of Revenue (6% = 61.6m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 0.00pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 723.3% (prev -1236 %; Δ 1959 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 563.3m > Net Income 458.4m (YES >=105%, WARN >=100%) |
| Net Debt (1.26b) to EBITDA (607.6m) ratio: 2.07 <= 3.0 (WARN <= 3.5) |
| Current Ratio 8.11 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (86.2m) change vs 12m ago -0.65% (target <= -2.0% for YES) |
| Gross Margin 41.51% (prev 65.28%; Δ -23.78pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.91% (prev 5.56%; Δ -2.65pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.97 (EBITDA TTM 607.6m / Interest Expense TTM 298.4m) >= 6 (WARN >= 3) |
Altman Z'' 1.91
| (A) 0.21 = (Total Current Assets 8.47b - Total Current Liabilities 1.04b) / Total Assets 35.21b |
| (B) 0.08 = Retained Earnings (Balance) 2.86b / Total Assets 35.21b |
| (C) 0.02 = EBIT TTM 587.2m / Avg Total Assets 35.31b |
| (D) 0.14 = Book Value of Equity 4.37b / Total Liabilities 30.85b |
| Total Rating: 1.91 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 58.69
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield 2.02% = 1.01 |
| 3. FCF Margin 53.69% = 7.50 |
| 4. Debt/Equity 7.07 = -2.50 |
| 5. Debt/Ebitda 50.77 = -2.50 |
| 6. ROIC - WACC 8.72% = 10.90 |
| 7. RoE 10.82% = 0.90 |
| 8. Revenue Trend data missing |
| 9. Rev. CAGR -48.40% = -2.50 |
| 10. EPS Trend -18.17% = -0.45 |
| 11. EPS CAGR -9.29% = -1.16 |
What is the price of HWC shares?
As of August 13, 2025, the stock is trading at USD 60.28 with a total of 528,356 shares traded.Over the past week, the price has changed by +2.50%, over one month by +0.08%, over three months by +5.57% and over the past year by +30.33%.
Is Hancock Whitney a good stock to buy?
Neither. Based on ValueRay´s Fundamental Analyses, Hancock Whitney is currently (August 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 58.69 and therefor a neutral outlook according to the companies health.Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HWC is around 68.57 USD . This means that HWC is currently undervalued and has a potential upside of +13.75% (Margin of Safety).
Is HWC a buy, sell or hold?
Hancock Whitney has received a consensus analysts rating of 4.50. Therefore, it is recommended to buy HWC.- 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 | 69.1 | 14.7% |
| Analysts Target Price | 62.9 | 4.3% |
| ValueRay Target Price | 72.3 | 20% |
Last update: 2025-08-11 04:38
HWC Fundamental Data Overview
CCE Cash And Equivalents = 8.47b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 10.7472
P/E Forward = 10.0908
P/S = 3.5248
P/B = 1.1309
Beta = 1.123
Revenue TTM = 1.03b USD
EBIT TTM = 587.2m USD
EBITDA TTM = 607.6m USD
Long Term Debt = 29.80b USD (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 1.04b USD (from shortTermDebt, last quarter)
Debt = 30.85b USD (Calculated: Short Term 1.04b + Long Term 29.80b)
Net Debt = 1.26b USD (from netDebt column, last quarter)
Enterprise Value = 27.35b USD (4.97b + Debt 30.85b - CCE 8.47b)
Interest Coverage Ratio = 1.97 (Ebit TTM 587.2m / Interest Expense TTM 298.4m)
FCF Yield = 2.02% (FCF TTM 551.3m / Enterprise Value 27.35b)
FCF Margin = 53.69% (FCF TTM 551.3m / Revenue TTM 1.03b)
Net Margin = 44.64% (Net Income TTM 458.4m / Revenue TTM 1.03b)
Gross Margin = 41.51% ((Revenue TTM 1.03b - Cost of Revenue TTM 600.7m) / Revenue TTM)
Tobins Q-Ratio = 6.26 (Enterprise Value 27.35b / Book Value Of Equity 4.37b)
Interest Expense / Debt = -0.41% (Interest Expense -125.4m / Debt 30.85b)
Taxrate = 19.71% (from yearly Income Tax Expense: 113.2m / 574.0m)
NOPAT = 471.4m (EBIT 587.2m * (1 - 19.71%))
Current Ratio = 8.11 (Total Current Assets 8.47b / Total Current Liabilities 1.04b)
Debt / Equity = 7.07 (Debt 30.85b / last Quarter total Stockholder Equity 4.37b)
Debt / EBITDA = 50.77 (Net Debt 1.26b / EBITDA 607.6m)
Debt / FCF = 55.95 (Debt 30.85b / FCF TTM 551.3m)
Total Stockholder Equity = 4.24b (last 4 quarters mean)
RoA = 1.30% (Net Income 458.4m, Total Assets 35.21b )
RoE = 10.82% (Net Income TTM 458.4m / Total Stockholder Equity 4.24b)
RoCE = 1.72% (Ebit 587.2m / (Equity 4.24b + L.T.Debt 29.80b))
RoIC = 9.84% (NOPAT 471.4m / Invested Capital 4.79b)
WACC = 1.12% (E(4.97b)/V(35.82b) * Re(10.07%)) + (D(30.85b)/V(35.82b) * Rd(-0.41%) * (1-Tc(0.20)))
Shares Correlation 5-Years: -100.0 | Cagr: -0.48%
Discount Rate = 10.07% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 71.29% ; FCFE base≈552.5m ; Y1≈554.6m ; Y5≈592.7m
Fair Price DCF = 87.83 (DCF Value 7.50b / Shares Outstanding 85.4m; 5y FCF grow -0.14% → 3.0% )
Revenue Correlation: N/A | Revenue CAGR: -48.40%
Revenue Growth Correlation: -64.71%
EPS Correlation: -18.17 | EPS CAGR: -9.29%
EPS Growth Correlation: 47.47%
Additional Sources for HWC Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle