(HWC) Hancock Whitney - Ratings and Ratios

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.