Hancock Whitney (HWC) AI Stock Analysis

• Market Cap: $5.39B
• Dividend Yield: 2.68%
• Average Volume (3M): 754.12K
• Price to Earnings (P/E): 11.7
• Beta (1Y): 1.24
• Revenue Growth: 0.76%
• EPS Growth: 27.66%
• Country: US
• Employees: 3,497
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 1.32
• Shares Outstanding: 84,754,974
• 10 Day Avg. Volume: 675,093
• 30 Day Avg. Volume: 754,117
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.08
• Enterprise Value/Revenue: 2.86
• Enterprise Value/Gross Profit: 4.15
• Enterprise Value/Ebitda: 9.20
• 1Y Price Target: $68.83
• Price Target Upside: 8.33% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6

• Rating: 80 Outperform
• Price Target: $68.00 ▲(7.02% Upside)

Hancock Whitney's strong financial performance, stable technicals, and reasonable valuation are the main drivers of the score. Positive earnings call insights add to the strength, although some risks like deposit declines and charge-offs are noted.

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 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 shows solid financial performance with strong profitability, efficient cost management, and robust cash flow generation. The balance sheet is stable with manageable leverage, despite minor revenue growth fluctuations.

Income Statement

Hancock Whitney's income statement reflects strong profitability with a high gross profit margin and consistent net profit margin. The company has demonstrated positive revenue growth, although it has slightly fluctuated over the years. The EBIT and EBITDA margins are robust, indicating efficient cost management and operational profitability. The overall financial health in terms of revenue and profitability appears solid for the TTM (Trailing-Twelve-Months).

Balance Sheet

The balance sheet shows a healthy equity position with a stable equity ratio, although there has been a notable amount of debt. The debt-to-equity ratio is modest, suggesting manageable leverage. The return on equity is positive and indicates effective utilization of shareholder equity to generate profits. The company's assets are largely supported by equity, contributing to financial stability.

Cash Flow

Hancock Whitney's cash flow statement reveals strong operational cash flow relative to net income, reflecting efficient cash management. The free cash flow is consistently positive, enabling flexibility for investments and debt servicing. Although there is some variability in free cash flow growth, the operating cash flow to net income ratio remains healthy, underscoring robust cash generation capabilities.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.05B	1.89B	1.47B	1.35B	1.38B
Gross Profit	1.39B	1.31B	1.41B	1.37B	664.05M
EBITDA	615.69M	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	6.68B	6.10B	6.44B	11.22B	7.86B
Total Debt	967.38M	1.52B	2.23B	2.03B	2.18B
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	625.74M	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: 63.54
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 63.54 is above the 20-day moving average (MA) of 60.28, above the 50-day MA of 59.48, and above the 200-day MA of 55.88, indicating a bullish trend. The MACD of 1.03 indicates Negative momentum. The RSI at 64.69 is Neutral, neither overbought nor oversold. The STOCH value of 84.20 is Negative, 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	80 Outperform	$5.39B	11.72	11.30%	2.68%	0.76%	27.66%
FNB	78 Outperform	$5.94B	12.77	7.40%	2.86%	7.73%	8.39%
OZK	78 Outperform	$5.91B	8.40	12.68%	3.20%	7.12%	2.47%
COLB	77 Outperform	$5.68B	10.72	10.24%	5.27%	-1.39%	11.31%
GBCI	74 Outperform	$5.75B	24.98	6.60%	2.72%	8.37%	17.00%
BBAR	69 Neutral	$2.61B	8.39	13.26%	0.18%	-47.41%	-18.95%
Sector *	68 Neutral	$17.84B	12.03	10.32%	3.73%	9.70%	0.76%

Hancock Whitney Corporate Events

Hancock Whitney Reports Q2 2025 Financial Results

Hancock Whitney Corporation reported its financial results for the second quarter of 2025, with a net income of $113.5 million, or $1.32 per diluted share, slightly down from the previous quarter. The company highlighted a 6% annualized increase in loans and a decrease in deposits by 2% linked-quarter. The acquisition of Sabal Trust Company contributed to an increase in trust fees and personnel expenses. The company also repurchased 750,000 shares of its common stock, reflecting its ongoing commitment to shareholder value. Despite a slight decrease in some financial ratios, Hancock Whitney continues to focus on growth and profitability, as evidenced by its improved efficiency ratio and expanding net interest margin.

The most recent analyst rating on (HWC) stock is a Buy with a $63.00 price target. To see the full list of analyst forecasts on Hancock Whitney stock, see the HWC Stock Forecast page.