Hancock Whitney Corporation
Hancock Whitney Corporation Fundamental Analysis
Hancock Whitney Corporation (HWC) shows moderate financial fundamentals with a PE ratio of 13.29, profit margin of 21.35%, and ROE of 9.35%. The company generates $1.9B in annual revenue with weak year-over-year growth of -1.52%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 50.2/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze HWC's fundamental strength across five key dimensions:
Efficiency Score
WeakHWC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentHWC trades at attractive valuation levels.
Growth Score
WeakHWC faces weak or negative growth trends.
Financial Health Score
ModerateHWC shows balanced financial health with some risks.
Profitability Score
ModerateHWC maintains healthy but balanced margins.
Key Financial Metrics
Is HWC Expensive or Cheap?
P/E Ratio
HWC trades at 13.29 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, HWC's PEG of -1.39 indicates potential undervaluation.
Price to Book
The market values Hancock Whitney Corporation at 1.24 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 7.02 times EBITDA. This is generally considered low.
How Well Does HWC Make Money?
Net Profit Margin
For every $100 in sales, Hancock Whitney Corporation keeps $21.35 as profit after all expenses.
Operating Margin
Core operations generate 27.60 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.35 in profit for every $100 of shareholder equity.
ROA
Hancock Whitney Corporation generates $1.16 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Hancock Whitney Corporation generates strong operating cash flow of $537.07M, reflecting robust business health.
Free Cash Flow
Hancock Whitney Corporation generates strong free cash flow of $518.52M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $6.36 in free cash annually.
FCF Yield
HWC converts 9.61% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.29
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-1.39
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.24
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.81
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.35
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.27
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.10
vs 25 benchmark
How HWC Stacks Against Its Sector Peers
| Metric | HWC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.29 | 19.02 | Better (Cheaper) |
| ROE | 9.35% | 814.00% | Weak |
| Net Margin | 21.35% | 1811.00% | Weak |
| Debt/Equity | 0.35 | 0.98 | Strong (Low Leverage) |
| Current Ratio | 0.27 | 670.41 | Weak Liquidity |
| ROA | 1.16% | -24626.00% (disorted) | Weak |
HWC outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Hancock Whitney Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
51.91%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
1219.64%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
58.72%
Industry Style: Value, Dividend, Cyclical
High Growth