Hancock Whitney (HWC) AI Stock Analysis

• Market Cap: $5.30B
• Dividend Yield: 2.91%
• Average Volume (3M): 640.11K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 1.24
• Revenue Growth: 3.35%
• EPS Growth: 26.35%
• Country: US
• Employees: 3,497
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 1.38
• Shares Outstanding: 85,643,196
• 10 Day Avg. Volume: 639,708
• 30 Day Avg. Volume: 640,106
• PEG Ratio: 0.54
• Price to Book (P/B): 1.25
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 5.12
• Enterprise Value/Market Cap: 1.02
• Enterprise Value/Revenue: 0.86
• Enterprise Value/Gross Profit: 3.73
• Enterprise Value/Ebitda: 3.31
• 1Y Price Target: $64.57
• Price Target Upside: 8.38% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 7

• Rating: 79 Outperform
• Price Target: $69.00 ▲(15.81%Upside)

Hancock Whitney's strong financial performance, characterized by robust profitability and cash flow, is the primary driver of its stock score. The stock's valuation is attractive, supported by a low P/E ratio and a solid dividend yield. While technical indicators suggest a bullish trend, caution is warranted due to overbought signals. The earnings call provided a balanced view with both strengths and challenges, reinforcing a positive outlook.

Hancock Whitney Business Overview & Revenue Model

Company Description

Hancock Whitney Corporation (HWC) is a prominent financial services company primarily operating in the Gulf South region of the United States. Founded in 1899, the company offers a comprehensive range of banking products and services, including personal and commercial banking, wealth management, and trust services. With a strong regional presence, Hancock Whitney caters to a diverse clientele, providing tailored financial solutions that meet the needs of individuals, businesses, and institutions.

How the Company Makes Money

Hancock Whitney makes money primarily through interest income generated from its lending activities, which include residential and commercial loans, as well as consumer loans such as personal and auto loans. A significant portion of its revenue also comes from non-interest income, which includes fees and charges for services like wealth management, credit card services, and transaction processing. The company benefits from strategic partnerships with financial service providers and leverages its robust regional network to enhance its earnings. Additionally, Hancock Whitney earns revenue through investment securities and by providing specialized financial advisory services to its clients.

Hancock Whitney Financial Statement Overview

Summary

Hancock Whitney demonstrates strong revenue growth and profitability, supported by a robust balance sheet with conservative leverage. However, cash flow management appears to be a potential area of concern, with reduced free cash flow generation. Overall, the company remains well-positioned but should focus on enhancing cash flow efficiency and operational data transparency.

Income Statement

Hancock Whitney's income statement reflects a strong recovery and growth trajectory. The gross profit margin stands at 100%, indicating efficient cost management. The net profit margin improved to 27.2% in 2024 from 29.7% in 2023. Revenue grew by 28.1% from the previous year, showcasing robust top-line expansion. However, the absence of reported EBIT and EBITDA margins in 2024 limits further analysis on operational efficiency.

Balance Sheet

The balance sheet of Hancock Whitney shows a well-capitalized position with a debt-to-equity ratio of 0.21, indicating conservative leverage. The equity ratio improved to 11.8% in 2024, reflecting a solid financial foundation. Return on equity decreased slightly to 11.2% from 10.3% in 2023, suggesting stable profitability. However, the company's total assets have slightly decreased, suggesting a potential area to monitor for future asset growth.

Cash Flow

Cash flow analysis reveals a decrease in operating cash flow to net income ratio to 0.49, indicating less cash generation relative to net income. Free cash flow declined by 51.7% from the previous year, which may impact the company's ability to reinvest or pay dividends. The free cash flow to net income ratio stands at 0.49, reflecting moderate cash conversion efficiency. This signals potential challenges in maintaining liquidity for future investments.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.44B	1.32B	1.38B	1.30B	1.27B
Gross Profit	1.44B	1.32B	1.38B	1.30B	1.27B
EBITDA	0.00	536.40M	704.81M	613.83M	-74.70M
Net Income	460.81M	392.60M	524.09M	463.21M	-45.17M
Balance Sheet
Total Assets	35.08B	35.58B	35.18B	36.53B	33.64B
Cash, Cash Equivalents and Short-Term Investments	5.74B	6.10B	6.44B	8.06B	3.19B
Total Debt	967.38M	1.52B	2.11B	1.91B	2.05B
Total Liabilities	30.95B	31.77B	31.84B	32.86B	30.20B
Stockholders Equity	4.13B	3.80B	3.34B	3.67B	3.44B
Cash Flow
Free Cash Flow	615.50M	470.22M	812.88M	562.15M	317.32M
Operating Cash Flow	621.24M	495.25M	842.02M	585.69M	355.19M
Investing Cash Flow	274.76M	-295.21M	662.36M	-3.22B	-3.18B
Financing Cash Flow	-886.79M	-203.29M	-1.34B	2.51B	2.92B

Hancock Whitney Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 59.58
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HWC, the sentiment is Positive. The current price of 59.58 is above the 20-day moving average (MA) of 57.39, above the 50-day MA of 55.74, and above the 200-day MA of 54.28, indicating a bullish trend. The MACD of 1.75 indicates Negative momentum. The RSI at 58.99 is Neutral, neither overbought nor oversold. The STOCH value of 78.19 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HWC.

Hancock Whitney Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HWC	79 Outperform	$5.30B	11.42	11.53%	2.91%	3.35%	26.35%
FNB	78 Outperform	$5.76B	12.62	7.40%	3.00%	10.34%	2.54%
OZK	76 Outperform	$5.86B	8.46	12.85%	3.41%	13.85%	2.43%
COLB	74 Outperform	$5.27B	10.63	9.73%	5.72%	-0.17%	1.69%
GBCI	73 Outperform	$5.30B	24.97	6.63%	2.83%	8.10%	6.95%
BBAR	70 Outperform	$3.16B	8.17	15.46%	39.62%	-48.81%	0.18%
Sector *	67 Neutral	$16.92B	11.85	9.77%	3.75%	12.07%	-8.35%

Hancock Whitney Corporate Events

Hancock Whitney Reports Q1 2025 Financial Results

Hancock Whitney Corporation reported its financial results for the first quarter of 2025, showing a net income of $119.5 million, or $1.38 per diluted share, slightly down from the previous quarter. Despite a decrease in loans and deposits, the company saw improvements in its net interest margin and capital ratios, and it increased its quarterly common stock dividend by 50% year-over-year. The company also repurchased 350,000 shares of its common stock and plans to continue its organic growth strategy while integrating Sabal Trust Company associates and clients.