Hancock Whitney (HWC) AI Stock Analysis

• Market Cap: $4.82B
• Dividend Yield: 3.14%
• Average Volume (3M): 979.42K
• Price to Earnings (P/E): 10.2
• Beta (1Y): 1.18
• Revenue Growth: -0.59%
• EPS Growth: N/A
• Country: US
• Employees: 3,497
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.49
• Shares Outstanding: 84,754,974
• 10 Day Avg. Volume: 1,156,277
• 30 Day Avg. Volume: 979,420
• 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: 1.55
• Enterprise Value/Revenue: 3.70
• Enterprise Value/Gross Profit: 5.29
• Enterprise Value/Ebitda: 11.84
• 1Y Price Target: $70.83
• Price Target Upside: 24.53% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6

• Rating: 66 Neutral
• Price Target: $59.00 ▲(3.73% Upside)

Hancock Whitney's overall stock score reflects strong financial performance and positive earnings call insights, offset by bearish technical indicators and moderate valuation. The company's strategic growth plans and solid capital ratios are significant strengths, while technical analysis suggests caution due to current market conditions.

Hancock Whitney Business Overview & Revenue Model

Company Description

Hancock Whitney Corporation (HWC) is a financial services company headquartered in Gulfport, Mississippi. It operates primarily in the banking sector, offering a wide range of financial products and services including personal and commercial banking, wealth management, and mortgage services. With a strong presence in the southeastern United States, Hancock Whitney focuses on serving individuals, businesses, and communities with tailored financial solutions designed to meet their unique needs.

How the Company Makes Money

Hancock Whitney generates revenue through various streams primarily from interest income, non-interest income, and fees associated with its banking and financial services. The bank earns a significant portion of its revenue from the interest spread between the interest it pays on deposits and the interest it earns on loans. Key revenue streams include commercial and residential loans, which provide interest income, as well as fees from services such as asset management, wealth management, and transaction services. Additionally, Hancock Whitney benefits from partnerships with other financial institutions and organizations that enhance its service offerings and customer reach, contributing to its overall earnings.

Hancock Whitney Financial Statement Overview

Summary

Hancock Whitney demonstrates solid financial health with strong profitability margins and effective cash flow management. Despite challenges with declining revenue growth, the stable balance sheet and efficient operations provide a robust foundation for future growth.

Income Statement

Hancock Whitney's income statement shows a strong gross profit margin of approximately 70% in TTM, indicating efficient cost management. Despite a slight decline in revenue growth rate, the company maintains healthy EBIT and EBITDA margins, reflecting operational efficiency. However, the negative revenue growth in the TTM period is a concern that could impact future profitability.

Balance Sheet

The balance sheet reflects a stable financial position with a manageable debt-to-equity ratio of 0.29 in TTM, suggesting prudent leverage use. The return on equity is solid at 10.82%, indicating effective use of equity capital. However, the equity ratio is not explicitly provided, which limits a full assessment of asset financing.

Cash Flow

Cash flow analysis reveals a positive free cash flow growth rate of 3.31% in TTM, demonstrating effective cash generation. The operating cash flow to net income ratio is moderate, suggesting reasonable cash conversion efficiency. However, the free cash flow to net income ratio is slightly below 1, indicating limited cash surplus after covering net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.02B	2.05B	1.89B	1.47B	1.35B	1.38B
Gross Profit	1.41B	1.39B	1.31B	1.41B	1.37B	664.05M
EBITDA	629.62M	615.69M	536.40M	704.81M	613.83M	-74.70M
Net Income	470.68M	460.81M	392.60M	524.09M	463.21M	-45.17M
Balance Sheet
Total Assets	35.21B	35.08B	35.58B	35.18B	36.53B	33.64B
Cash, Cash Equivalents and Short-Term Investments	6.75B	6.68B	6.10B	6.44B	11.22B	7.86B
Total Debt	1.38B	967.38M	1.52B	2.23B	2.03B	2.18B
Total Liabilities	30.85B	30.95B	31.77B	31.84B	32.86B	30.20B
Stockholders Equity	4.37B	4.13B	3.80B	3.34B	3.67B	3.44B
Cash Flow
Free Cash Flow	569.60M	615.50M	470.22M	812.88M	562.15M	317.32M
Operating Cash Flow	584.01M	625.74M	495.25M	842.02M	585.69M	355.19M
Investing Cash Flow	136.60M	274.76M	-295.21M	662.36M	-3.22B	-3.18B
Financing Cash Flow	-708.94M	-886.79M	-203.29M	-1.34B	2.51B	2.92B

Hancock Whitney Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 56.88
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HWC, the sentiment is Negative. The current price of 56.88 is below the 20-day moving average (MA) of 59.13, below the 50-day MA of 61.21, and above the 200-day MA of 56.62, indicating a neutral trend. The MACD of -1.64 indicates Positive momentum. The RSI at 40.85 is Neutral, neither overbought nor oversold. The STOCH value of 35.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HWC.

Hancock Whitney Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ABCB	―	$5.01B	12.64	10.34%	1.10%	5.95%	25.95%
AX	―	$4.56B	10.81	17.42%	―	9.00%	-2.90%
AUB	―	$4.76B	17.90	5.42%	4.03%	43.53%	-21.74%
UBSI	―	$5.17B	11.98	8.25%	4.05%	8.85%	15.56%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HWC	―	$4.82B	10.18	11.12%	3.14%	-0.59%	―
FFIN	―	$4.48B	18.57	13.89%	2.36%	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.