(HWC) Hancock Whitney - Overview
Stock: Deposit Accounts, Loans, Treasury Services, Investment Advisory
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.12% |
| Yield on Cost 5y | 5.52% |
| Yield CAGR 5y | 13.62% |
| Payout Consistency | 94.8% |
| Payout Ratio | 31.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 32.4% |
| Relative Tail Risk | -9.37% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.78 |
| Alpha | 7.24 |
| Character TTM | |
|---|---|
| Beta | 1.087 |
| Beta Downside | 1.188 |
| Drawdowns 3y | |
|---|---|
| Max DD | 39.81% |
| CAGR/Max DD | 0.34 |
Description: HWC Hancock Whitney January 09, 2026
Hancock Whitney Corporation (NASDAQ:HWC) is a U.S. regional-bank holding company headquartered in Gulfport, Mississippi. It delivers a full suite of traditional and digital banking services-including deposits, treasury management, consumer and commercial loans, and trust and investment management-to retail, small-business, and corporate clients. The firm also originates commercial real-estate, construction, and residential mortgage loans, offers lease-based financing, and provides ancillary products such as annuities, life insurance, and brokerage services.
Key operating metrics (as of the latest 10-K) show total assets of roughly $38 billion, a net interest margin near 3.5 %, and a loan-to-deposit ratio around 73 %, indicating a relatively conservative funding profile. The bank’s earnings are sensitive to the Federal Reserve’s interest-rate policy, which drives net interest income, while its Gulf Coast footprint makes regional oil-and-gas activity and commercial-real-estate cycles material performance drivers. Recent quarterly reports suggest a return on equity of ~11 % and a modest increase in non-performing loans, reflecting broader credit-quality pressures in the regional-bank sector.
For a deeper quantitative dive, the ValueRay platform offers granular metrics and scenario analysis worth reviewing.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 486.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.69 > 1.0 |
| NWC/Revenue: -1495 % < 20% (prev -1135 %; Δ -359.2% < -1%) |
| CFO/TA 0.01 > 3% & CFO 388.8m > Net Income 486.1m |
| Net Debt (1.22b) to EBITDA (655.8m): 1.86 < 3 |
| Current Ratio: 0.00 > 1.5 & < 3 |
| Outstanding Shares: last quarter (84.3m) vs 12m ago -2.69% < -2% |
| Gross Margin: 73.05% > 18% (prev 0.68%; Δ 7237 % > 0.5%) |
| Asset Turnover: 5.72% > 50% (prev 5.84%; Δ -0.12% > 0%) |
| Interest Coverage Ratio: 1.23 > 6 (EBITDA TTM 655.8m / Interest Expense TTM 507.9m) |
Altman Z'' -5.03
| A: -0.85 (Total Current Assets 132.3m - Total Current Liabilities 30.30b) / Total Assets 35.47b |
| B: 0.09 (Retained Earnings 3.04b / Total Assets 35.47b) |
| C: 0.02 (EBIT TTM 625.5m / Avg Total Assets 35.28b) |
| D: 0.14 (Book Value of Equity 4.46b / Total Liabilities 31.01b) |
| Altman-Z'' Score: -5.03 = D |
What is the price of HWC shares?
Over the past week, the price has changed by +6.67%, over one month by +8.39%, over three months by +25.48% and over the past year by +26.10%.
Is HWC a buy, sell or hold?
- StrongBuy: 5
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the HWC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 77.3 | 7.4% |
| Analysts Target Price | 77.3 | 7.4% |
| ValueRay Target Price | 81.8 | 13.7% |
HWC Fundamental Data Overview February 01, 2026
P/E Forward = 10.0908
P/S = 3.9293
P/B = 1.2297
Revenue TTM = 2.02b USD
EBIT TTM = 625.5m USD
EBITDA TTM = 655.8m USD
Long Term Debt = 210.7m USD (from longTermDebt, two quarters ago)
Short Term Debt = 1.02b USD (from shortTermDebt, last quarter)
Debt = 1.22b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.22b USD (from netDebt column, last quarter)
Enterprise Value = 6.84b USD (5.75b + Debt 1.22b - CCE 132.3m)
Interest Coverage Ratio = 1.23 (Ebit TTM 625.5m / Interest Expense TTM 507.9m)
EV/FCF = 18.13x (Enterprise Value 6.84b / FCF TTM 377.2m)
FCF Yield = 5.52% (FCF TTM 377.2m / Enterprise Value 6.84b)
FCF Margin = 18.69% (FCF TTM 377.2m / Revenue TTM 2.02b)
Net Margin = 24.08% (Net Income TTM 486.1m / Revenue TTM 2.02b)
Gross Margin = 73.05% ((Revenue TTM 2.02b - Cost of Revenue TTM 543.9m) / Revenue TTM)
Gross Margin QoQ = 75.62% (prev 72.44%)
Tobins Q-Ratio = 0.19 (Enterprise Value 6.84b / Total Assets 35.47b)
Interest Expense / Debt = 10.32% (Interest Expense 125.5m / Debt 1.22b)
Taxrate = 20.68% (32.7m / 158.3m)
NOPAT = 496.2m (EBIT 625.5m * (1 - 20.68%))
Current Ratio = 0.00 (Total Current Assets 132.3m / Total Current Liabilities 30.30b)
Debt / Equity = 0.27 (Debt 1.22b / totalStockholderEquity, last quarter 4.46b)
Debt / EBITDA = 1.86 (Net Debt 1.22b / EBITDA 655.8m)
Debt / FCF = 3.23 (Net Debt 1.22b / FCF TTM 377.2m)
Total Stockholder Equity = 4.39b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.38% (Net Income 486.1m / Total Assets 35.47b)
RoE = 11.06% (Net Income TTM 486.1m / Total Stockholder Equity 4.39b)
RoCE = 13.58% (EBIT 625.5m / Capital Employed (Equity 4.39b + L.T.Debt 210.7m))
RoIC = 9.57% (NOPAT 496.2m / Invested Capital 5.19b)
WACC = 9.62% (E(5.75b)/V(6.97b) * Re(9.92%) + D(1.22b)/V(6.97b) * Rd(10.32%) * (1-Tc(0.21)))
Discount Rate = 9.92% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 0.58%
[DCF Debug] Terminal Value 72.46% ; FCFF base≈472.5m ; Y1≈474.2m ; Y5≈505.7m
Fair Price DCF = 69.48 (EV 6.76b - Net Debt 1.22b = Equity 5.54b / Shares 79.7m; r=9.62% [WACC]; 5y FCF grow -0.14% → 2.90% )
EPS Correlation: -1.59 | EPS CAGR: 1.68% | SUE: 0.12 | # QB: 0
Revenue Correlation: 81.61 | Revenue CAGR: 13.50% | SUE: 2.67 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.49 | Chg30d=+0.051 | Revisions Net=+9 | Analysts=7
EPS current Year (2026-12-31): EPS=6.32 | Chg30d=+0.262 | Revisions Net=+9 | Growth EPS=+10.1% | Growth Revenue=+5.7%
EPS next Year (2027-12-31): EPS=6.78 | Chg30d=+0.375 | Revisions Net=+8 | Growth EPS=+7.2% | Growth Revenue=+4.5%