Hancock Whitney (HWC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Hancock Whitney

NasdaqGS•Financial Services•Banks - Regional

$74.55-1.38(-0.02%)Pre-market

Market Cap

$6.07B

P/E

9.2x

P/S

4.3x

P/B

1.4x

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.

How this company scores

GoodMetricSide Score: 72/100

Strongest: Profitability (23/25); weakest: Growth (15/25).

Profitability23/25

Growth15/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality18/25

Strengths

Strong marginsRising earningsLow leverageCash-backed earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.2x5y range 9.2x – 41.6x

Currently near its 4-quarter median.

P/S · 4.3x5y range 2.1x – 4.3x

Currently above its 20-quarter median.

P/B · 1.4x5y range 0.9x – 1.4x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Margin Pressure

Watch

Operating margins declined 11.2% — watch for continued compression, which may signal competitive or cost pressure.

Price & Volume

Market Cap $6.07B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.42B
Q. Revenue: $387.59M
TTM EBITDA: $577.77M
TTM Op. Income: $539.52M
Q. Op. Income: $162.15M
TTM Net Income: $660.46M
Q. Net Income: $126.96M
EPS: $1.56
Shares Out.: $80.93M

$1.42B in TTM revenue declined 0.0% YoY, reaching $387.59M last quarter. TTM EBITDA of $577.77M and TTM operating income of $539.52M show growth is flowing through to the bottom line. TTM net income of $660.46M means revenue is converting into profit. Over the past year, TTM revenue is down 0% — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 43.5%
Op. Margin: 41.8%
Net Margin: 32.8%

Op. margin of 41.8% is up 1.7% YoY — cost efficiency is improving. Net margin at 32.8% Over the past year, operating margin is up 4% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 9.2x
P/S Ratio: 4.3x
P/B Ratio: 1.4x

At 9.2x P/E, the stock trades below typical market levels. P/S of 4.3x and P/B of 1.4x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 4 quarters, P/E has fallen for 3 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $36.35B
Cash: $572.04M
Long-Term Debt: $193.82M
Book Value: $4.44B
D/E Ratio: 0.0
Debt/EBITDA: 1.2

With $36.35B in assets and $193.82M in long-term debt, D/E is 0.0and book value is $4.44B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $151.28M
TTM Free Cash Flow: $559.70M
FCF Margin: 39.5%
FCF / Net Income: 0.8

TTM FCF of $559.70M on $151.28M in operating cash flow. The FCF / Net Income ratio of 0.8x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.