HWC Stock Analysis: Hancock Whitney | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 6.064m USD | 12M Return: 29.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 70.5M
EPS Trend: 14.9%
Qual. Beats: -1
Rev. Trend: 71.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Hancock Whitney Corporation is a financial holding company that operates Hancock Whitney Bank, serving commercial, small business, and retail customers across the United States through both traditional and online channels. Its offerings span deposit products (including brokered deposits, time deposits, and money market accounts), treasury management services, secured and unsecured loans, letters of credit, trust and investment management, and investment advisory and brokerage services.
The companys lending portfolio covers commercial and industrial loans, construction and land development loans, residential mortgages, and a range of consumer loans such as home equity lines of credit, auto, recreational vehicle and boat financing, and a small credit card portfolio. Beyond core banking, Hancock Whitney provides commercial finance (including leases) to middle-market and corporate clients, fixed annuity and life insurance products, and underwriting services for debt and mortgage-related securities. Founded in 1899 and headquartered in Gulfport, Mississippi, the company operates as a mid-cap regional bank within the U.S. Gulf South region, with its business model diversified across commercial banking, consumer lending, wealth management, and insurance.
- Net interest margin expansion on elevated Fed funds rate
- Energy sector lending grows with Gulf Coast production activity
- Commercial real estate loan concentration raises credit risk concerns
| Net Income: 414.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.09 > 1.0 |
| NWC/Revenue: -34.23% < 20% (prev -1.13k%; Δ 1.09k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 552.0m > Net Income 414.0m |
| Net Debt (1.25b) to EBITDA (561.8m): 2.22 < 3 |
| Current Ratio: 0.51 > 1.5 & < 3 |
| Outstanding Shares: last quarter (82.3m) vs 12m ago -4.86% < -2% |
| Gross Margin: 72.28% > 18% (prev 68.95%; Δ 3.34% > 0.5%) |
| Asset Turnover: 5.52% > 50% (prev 5.84%; Δ -0.33% > 0%) |
| Interest Coverage Ratio: 1.07 > 6 (EBIT TTM 535.1m / Interest Expense TTM 498.7m) |
| A: -0.02 (Total Current Assets 696.8m - Total Current Liabilities 1.36b) / Total Assets 35.5b |
| B: 0.09 (Retained Earnings 3.04b / Total Assets 35.5b) |
| C: 0.02 (EBIT TTM 535.1m / Avg Total Assets 35.1b) |
| D: 0.14 (Book Value of Equity 4.42b / Total Liabilities 31.1b) |
| Altman-Z'' = 0.41 = B |
| DSRI: 1.05 (Receivables 141.3m/140.5m, Revenue 1.94b/2.03b) |
| GMI: 0.95 (GM 68.95% / 72.28%) |
| AQI: 1.23 (AQ_t 0.97 / AQ_t-1 0.79) |
| SGI: 0.95 (Revenue 1.94b / 2.03b) |
| TATA: -0.00 (NI 414.0m - CFO 552.0m) / TA 35.5b) |
| Beneish M = -2.92 (Cap -4..+1) = A |
As of July 08, 2026, the stock is trading at USD 75.19 with a total of 1,029,049 shares traded. Over the past week, the price has changed by +0.58%, over one month by +9.02%, over three months by +16.22% and over the past year by +29.12%.
Current recommended Stop Loss: 73.10 (which is 2.8% or 1.3 ATR below the current price).
Hancock Whitney has received a consensus analysts rating of 4.50. Therefore, it is recommended to buy HWC.
- StrongBuy: 5
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 78.9 | 4.9% |
P/E Trailing = 15.3745
P/E Forward = 10.0908
P/S = 4.3778
P/B = 1.3721
P/EG = 1.7575
Revenue TTM = 1.94b USD
EBIT TTM = 535.1m USD
EBITDA TTM = 561.8m USD
Long Term Debt = 193.8m USD (from longTermDebt, last quarter)
Short Term Debt = 1.36b USD (from shortTermDebt, last quarter)
Debt = 1.80b USD (from shortLongTermDebtTotal, last quarter) + Leases 124.3m
Net Debt = 1.25b USD (calculated: Debt 1.80b - CCE 555.5m)
Enterprise Value = 7.31b USD (6.06b + Debt 1.80b - CCE 555.5m)
Interest Coverage Ratio = 1.07 (Ebit TTM 535.1m / Interest Expense TTM 498.7m)
EV/FCF = 13.76x (Enterprise Value 7.31b / FCF TTM 531.3m)
FCF Yield = 7.27% (FCF TTM 531.3m / Enterprise Value 7.31b)
FCF Margin = 27.40% (FCF TTM 531.3m / Revenue TTM 1.94b)
Net Margin = 21.35% (Net Income TTM 414.0m / Revenue TTM 1.94b)
Gross Margin = 72.28% ((Revenue TTM 1.94b - Cost of Revenue TTM 537.4m) / Revenue TTM)
Gross Margin QoQ = 68.35% (prev 75.62%)
Tobins Q-Ratio = 0.21 (Enterprise Value 7.31b / Total Assets 35.5b)
Interest Expense / Debt = 27.66% (Interest Expense 498.7m / Debt 1.80b)
Taxrate = 20.68% (108.0m / 521.9m)
NOPAT = 424.4m (EBIT 535.1m * (1 - 20.68%))
Current Ratio = 0.51 (Total Current Assets 696.8m / Total Current Liabilities 1.36b)
Debt / Equity = 0.41 (Debt 1.80b / totalStockholderEquity, last quarter 4.42b)
Debt / EBITDA = 2.22 (Net Debt 1.25b / EBITDA 561.8m)
Debt / FCF = 2.35 (Net Debt 1.25b / FCF TTM 531.3m)
Total Stockholder Equity = 4.43b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.18% (Net Income 414.0m / Total Assets 35.5b)
RoE = 9.35% (Net Income TTM 414.0m / Total Stockholder Equity 4.43b)
RoCE = 11.57% (EBIT 535.1m / Capital Employed (Equity 4.43b + L.T.Debt 193.8m))
RoIC = 1.20% (NOPAT 424.4m / Invested Capital 35.4b)
WACC = 12.34% (E(6.06b)/V(7.87b) * Re(9.49%) + D(1.80b)/V(7.87b) * Rd(27.66%) * (1-Tc(0.21)))
Discount Rate = 9.49% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -82.22 | Cagr: -2.26%
[DCF] Terminal Value 62.13% ; FCFF base≈539.3m ; Y1≈525.0m ; Y5≈522.9m
[DCF] Fair Price = 44.97 (EV 4.90b - Net Debt 1.25b = Equity 3.65b / Shares 81.2m; r=12.34% [WACC]; 5y FCF grow -3.64% → 2.50% )
EPS Correlation: 14.92 | EPS CAGR: 1.98% | SUE: -4.0 | # QB: -1
Revenue Correlation: 71.82 | Revenue CAGR: 3.70% | SUE: 0.09 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.55 | Chg30d=-0.38% | Revisions=+38% | Analysts=9
EPS next Quarter (2026-09-30): EPS=1.66 | Chg30d=-0.59% | Revisions=+38% | Analysts=9
EPS current Year (2026-12-31): EPS=6.38 | Chg30d=+1.08% | Revisions=+62% | GrowthEPS=+11.1% | GrowthRev=+5.4%
EPS next Year (2027-12-31): EPS=7.26 | Chg30d=+0.33% | Revisions=+67% | GrowthEPS=+13.8% | GrowthRev=+9.4%
[Analyst] Revisions Ratio: +71% (up=19, down=2)