Hancock Whitney Corporation (HWC)
OvervaluedFundamental
67
Price
$73.51
Market Cap
$5.80B
Part 1 · What the company is worth
Overview
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 in the United States. The company offers various transaction and savings deposit products, such as brokered deposits, time deposits, and money market accounts; treasury management services; secured and unsecured loan products, including revolving credit facilities; letters of credit and similar financial guarantees; trust and investment management services to retirement plans, corporations, and individuals; and investment advisory and brokerage products. It also provides commercial and industrial loans, such as commercial non-real estate and real estate loans; construction and land development loans; residential mortgages; and consumer loans comprising second lien mortgage home loans, home equity lines of credit, and nonresidential consumer purpose loans, automobiles, recreational vehicles and boats, other personal purposes, deposit account secured loans, and small portfolio of credit card receivables. In addition, the company offers commercial finance products to middle market and corporate clients comprising leases and related structures; invests in new market tax credit activities and holds certain foreclosed assets; fixed annuity and life insurance products, investment management and advisory, and other services; and underwrites transactions primarily for banking clients, as well as debt and mortgage-related securities. The company was founded in 1899 and is headquartered in Gulfport, Mississippi.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$1.47B
Trailing 12 months (through 6/30/2026)
Net Income
$427M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$523M
Total Equity
$4.46B
Total Liabilities
$31.01B
Current Ratio
-
Interest Coverage
0.47
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$55.86
Current Price
$73.51
Margin of Safety
-31.6%
Fair Value Range
$37.80 - $73.92
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
14.44
ROE
10.9%
P/B Ratio
1.33
P/FCF
10.54
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
11.3%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (14)
- EPS shows upward trend
- EPS CAGR 6.20%
- Price CAGR 5.32%
- P/FCF 10.54
- P/B ratio 1.33
- Operating margin 36.7%
- Positive free cash flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 9.6%
- Earnings quality (operating cash flow / net income) 1.35
- Share dilution -1.8%
- Piotroski F-Score 7/9
Failed (7)
- Debt/equity ratio
- Interest coverage
- Return on tangible assets
- DCF valuation (Fairly Valued)
- Revenue growth 5Y 4.8%
- Earnings surprise, average -0.6%
- Net margin trend 29.1% vs 32.0%
Unavailable (6)
- ROIC –
- Gross margin –
- Dividend payout –
- Current ratio
- Debt/EBITDA
- PEG ratio (needs P/E > 0 and growth > 0)
Piotroski F-Score
Strong financial health
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. John M. Hairston | President, CEO & Director | 61 |
| Mr. Michael M. Achary CPA | Senior EVP, CFO & Principal Accounting Officer | 65 |
| Mr. D. Shane Loper | Senior EVP & COO | 59 |
| Mr. Michael Otero | Senior EVP & Chief Risk Officer | 58 |
| Mr. Christopher S. Ziluca | Senior EVP & Chief Credit Officer | 63 |
| Mr. David J. Lundgren Jr., C.F.A. | Chief Investment Officer | - |
| Ashleigh Flower Wilshire | Senior VP & Head of Investor Relations | - |
| Ms. Juanita P. Kuhner | Senior Executive VP, General Counsel & Corporate Secretary | 44 |
| Nina Willis | Chief Compliance Officer | - |
| Mr. R. Paul Maxwell | VP & Senior Communications Officer | - |
Audit Risk
3
Board Risk
1
Compensation Risk
1
Shareholder Rights Risk
5
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-27
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-07
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-10-20
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much HWC moves, measured on its daily prices.
More volatile than 3% of the tracked stocks (90-day volatility).
- Volatility 30d
- 18.3%
- Volatility 90d
- 17.9%
- Beta vs S&P 500 (1y)
- 0.57Correlation 0.33
- Max drawdown (12m)
- -18.1%
- ATR (14d, % of price)
- 2.40%
Earnings reactions
How HWC moved around its past quarterly results.
Next earnings release
Jan 19, 2027 · In 87 days · Time not known
EPS estimate: 1.72Revenue estimate: $434M
What usually happens
- Over the last 12 releases the stock moved a median of 1.6% the next day, up or down.
- Next-day moves: up 5, down 7 (out of 12).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Oct 20, 2026 | After the close | 1.66 | 1.74 | +4.6% | -1.5% | -2.5% | n/a |
| Jul 21, 2026 | After the close | 1.57 | 1.55 | -1.0% | -0.2% | -0.3% | +0.4% |
| Apr 21, 2026 | After the close | 1.51 | 1.52 | +0.5% | +0.5% | -1.7% | -1.6% |
| Jan 20, 2026 | After the close | 1.50 | 1.49 | -1.0% | +5.3% | +2.4% | -0.2% |
| Oct 14, 2025 | After the close | 1.45 | 1.49 | +2.9% | -2.1% | -6.0% | -9.3% |
| Jul 15, 2025 | After the close | n/a | n/a | n/a | +2.5% | +2.1% | +4.5% |
| Apr 15, 2025 | After the close | n/a | n/a | n/a | -0.3% | -0.3% | +4.4% |
| Jan 21, 2025 | After the close | n/a | n/a | n/a | -0.3% | -1.7% | -1.9% |
| Oct 15, 2024 | After the close | n/a | n/a | n/a | +2.0% | -0.8% | -3.9% |
| Jul 16, 2024 | After the close | n/a | n/a | n/a | -1.3% | +1.6% | +4.6% |
| Apr 16, 2024 | After the close | n/a | n/a | n/a | +4.7% | +1.5% | +9.5% |
| Jan 16, 2024 | After the close | n/a | n/a | n/a | -1.6% | +0.5% | +5.2% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on HWC and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for HWC.
- 4/21/2026NEUTRALTranscript: Hancock Whitney Q1 2026 Earnings Conference Call
Hancock Whitney Corporation (HWC) released its Q1 2026 earnings conference call transcript on April 21, 2026. The transcript provides detailed insights into the company's financial performance, strategic initiatives, and outlook for the upcoming quarters. While specific financial figures and forward-looking statements are contained within the document, the release of a transcript itself is informational. Investors and analysts will need to carefully review the content for any material changes in guidance, operational updates, or management commentary that could impact the company's valuation. Without further analysis of the transcript's specific details, the event is classified as neutral.