Hancock Whitney (HWC) AI Stock Analysis

• Market Cap: $4.96B
• Dividend Yield: 3.14%
• Average Volume (3M): 1.01M
• Price to Earnings (P/E): 10.6
• Beta (1Y): 1.00
• Revenue Growth: -0.78%
• EPS Growth: 25.39%
• Country: US
• Employees: 3,497
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.49
• Shares Outstanding: 83,613,120
• 10 Day Avg. Volume: 791,516
• 30 Day Avg. Volume: 1,013,011
• PEG Ratio: 0.59
• Price to Book (P/B): 1.14
• Price to Sales (P/S): 2.31
• P/FCF Ratio: 7.68
• Enterprise Value/Market Cap: 1.42
• Enterprise Value/Revenue: 3.52
• Enterprise Value/Gross Profit: 4.91
• Enterprise Value/Ebitda: 10.99
• 1Y Price Target: $71.00
• Price Target Upside: 19.63% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6
• EPS Forecast (FY): 5.7
• Revenue Forecast (FY): $1.52B

• Rating: 72 Outperform
• Price Target: $65.00 ▲(9.52% Upside)

Hancock Whitney's overall score reflects strong financial performance and positive earnings call insights, offset by technical analysis concerns and recent declines in revenue and cash flow growth. The stock is reasonably valued, appealing to value investors.

Hancock Whitney Business Overview & Revenue Model

Company Description

Hancock Whitney Corporation operates as the financial holding company for Hancock Whitney Bank that provides traditional and online banking services to commercial, small business, and retail customers. It accepts various deposit products, including noninterest-bearing demand deposits, interest-bearing transaction accounts, savings accounts, money market deposit accounts, and time deposit accounts. The company also offers loans products comprising commercial and industrial loans; commercial real estate loans; construction and land development loans; residential mortgages; consumer loans comprising second lien mortgage home loans, home equity lines of credit, and nonresidential consumer purpose loans; revolving credit facilities; and letters of credit and financial guarantees. In addition, it offers investment brokerage and treasury management services, and annuity and life insurance products; and trust and investment management services to retirement plans, corporations, and individuals. Further, the company facilitates investments in new market tax credit activities; and holds various foreclosed assets. The company operates 177 banking locations and 239 automated teller machines primarily in the Gulf south corridor, including southern and central Mississippi; southern and central Alabama; southern, central, and northwest Louisiana; the northern, central, and panhandle regions of Florida; and certain areas of east Texas, including Houston, Beaumont, Dallas, and San Antonio. It also operates a loan production office in Tennessee; and a trust and asset management office in Texas. The company was formerly known as Hancock Holding Company and changed its name to Hancock Whitney Corporation in May 2018. Hancock Whitney Corporation was founded in 1899 and is headquartered in Gulfport, Mississippi.

How the Company Makes Money

Hancock Whitney generates revenue primarily through its core banking operations, which include interest income from loans and investment securities, as well as non-interest income from services such as wealth management, mortgage banking, and transaction fees. The bank earns interest income by providing various loan products, including commercial loans, consumer loans, and mortgages, and collects interest on investment securities. Additionally, HWC benefits from non-interest income streams, including fees for account services, financial advisory services, and asset management. Its strategic partnerships with financial technology companies also enhance its service offerings and customer experience, contributing to its overall earnings. The bank's focus on economic growth in its operating regions and maintaining a strong loan portfolio further supports its revenue generation efforts.

Hancock Whitney Financial Statement Overview

Summary

Hancock Whitney demonstrates strong profitability with a healthy net profit margin and stable financial position. However, recent declines in revenue and free cash flow growth pose potential challenges.

Income Statement

Hancock Whitney's income statement shows strong profitability with a consistent gross profit margin above 67% over the years. The TTM (Trailing-Twelve-Months) net profit margin is healthy at 24.04%, indicating efficient cost management. However, the revenue growth rate has turned negative in the TTM period, which could be a concern if it continues. EBIT and EBITDA margins have remained stable, reflecting operational efficiency.

Balance Sheet

The balance sheet reflects a stable financial position with a manageable debt-to-equity ratio of 0.47 in the TTM period, which is an improvement from previous years. Return on equity is consistent at around 11%, indicating effective use of equity. The equity ratio remains strong, suggesting a solid capital structure. However, the increase in total debt in the TTM period should be monitored.

Cash Flow

Cash flow analysis shows a decline in free cash flow growth in the TTM period, which is a concern. The operating cash flow to net income ratio is low, indicating potential issues in converting income to cash. However, the free cash flow to net income ratio remains high, suggesting that the company is still generating sufficient cash relative to its net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.01B	2.05B	1.89B	1.47B	1.35B	1.38B
Gross Profit	1.44B	1.39B	1.31B	1.41B	1.37B	664.05M
EBITDA	642.25M	615.69M	536.40M	704.81M	613.83M	-74.70M
Net Income	482.57M	460.81M	392.60M	524.09M	463.21M	-45.17M
Balance Sheet
Total Assets	35.77B	35.08B	35.58B	35.18B	36.53B	33.64B
Cash, Cash Equivalents and Short-Term Investments	6.31B	6.68B	6.10B	6.44B	11.22B	7.86B
Total Debt	2.11B	967.38M	1.52B	2.23B	2.03B	2.18B
Total Liabilities	31.29B	30.95B	31.77B	31.84B	32.86B	30.20B
Stockholders Equity	4.47B	4.13B	3.80B	3.34B	3.67B	3.44B
Cash Flow
Free Cash Flow	566.02M	615.50M	470.22M	812.88M	562.15M	317.32M
Operating Cash Flow	580.33M	625.74M	495.25M	842.02M	585.69M	355.19M
Investing Cash Flow	-673.78M	274.76M	-295.21M	662.36M	-3.22B	-3.18B
Financing Cash Flow	38.16M	-886.79M	-203.29M	-1.34B	2.51B	2.92B

Hancock Whitney Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 59.35
• 50DMA: Negative
• 100DMA: Negative
• 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 59.35 is above the 20-day moving average (MA) of 57.72, below the 50-day MA of 59.60, and above the 200-day MA of 56.61, indicating a neutral trend. The MACD of -0.32 indicates Negative momentum. The RSI at 55.73 is Neutral, neither overbought nor oversold. The STOCH value of 43.34 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
AX	77 Outperform	$4.50B	10.63	16.65%	―	1.66%	-9.31%
ABCB	73 Outperform	$4.92B	12.45	10.34%	1.08%	2.20%	20.88%
HWC	72 Outperform	$4.96B	10.64	11.11%	3.14%	-0.78%	25.39%
AUB	72 Outperform	$4.68B	17.62	5.42%	4.23%	43.53%	-21.74%
UBSI	70 Outperform	$5.23B	12.21	8.24%	4.14%	8.83%	15.49%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FFIN	63 Neutral	$4.32B	17.85	13.89%	2.39%	12.90%	16.92%

Hancock Whitney Corporate Events

Hancock Whitney Corp’s Earnings Call Highlights Growth and Challenges

The recent earnings call of Hancock Whitney Corp presented a generally positive outlook, highlighting a strong quarter with notable improvements in key financial metrics. The company reported enhancements in return on assets (ROA) and fee income growth, alongside strategic expansions in the Dallas market. However, challenges such as deposit declines and loan payoffs were also discussed, indicating areas that require attention.

Hancock Whitney Corp Reports Strong Q3 2025 Earnings

Hancock Whitney Corporation, a financial services company operating in the banking sector, provides a range of financial products and services across several states in the southern United States. The company is known for its commitment to core values such as Honor & Integrity and Strength & Stability.

Hancock Whitney Reports Strong Q3 2025 Financial Results

On October 14, 2025, Hancock Whitney Corporation announced its financial results for the third quarter of 2025, reporting a net income of $127.5 million, or $1.49 per diluted share, marking an increase from the previous quarter. The company highlighted strong performance with improvements in profitability, capital ratios, and operational efficiency, despite a decrease in deposits and an increase in nonaccrual loans. The results reflect the company’s commitment to its growth plan and capital management strategies, including share repurchases.

The most recent analyst rating on (HWC) stock is a Hold with a $64.00 price target. To see the full list of analyst forecasts on Hancock Whitney stock, see the HWC Stock Forecast page.