Hancock Whitney Financials

HWC Stock  USD 59.96  0.56  0.94%   
Based on the key measurements obtained from Hancock Whitney's financial statements, Hancock Whitney Corp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Hancock Whitney's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Total Current Liabilities is expected to grow to about 14.8 B, whereas Other Current Liabilities is forecasted to decline to about 6.7 B. Key indicators impacting Hancock Whitney's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.230.36
Way Down
Very volatile
Current Ratio0.130.14
Significantly Down
Slightly volatile
The financial analysis of Hancock Whitney is a critical element in measuring its lifeblood. Investors should not minimize Hancock Whitney's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

474.07 Million

  
Understanding current and past Hancock Whitney Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Hancock Whitney's financial statements are interrelated, with each one affecting the others. For example, an increase in Hancock Whitney's assets may result in an increase in income on the income statement.
Please note, the presentation of Hancock Whitney's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Hancock Whitney's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Hancock Whitney's management manipulating its earnings.

Hancock Whitney Stock Summary

Hancock Whitney competes with Home Bancorp, First Business, LINKBANCORP, Great Southern, and Renasant. 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. Hancock Whitney Corporation was founded in 1899 and is headquartered in Gulfport, Mississippi. Hancock Whitney operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 3607 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS4101201097
CUSIP410120109
LocationMississippi; U.S.A
Business AddressHancock Whitney Plaza,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.hancockwhitney.com
Phone228 868 4727
CurrencyUSD - US Dollar

Hancock Whitney Key Financial Ratios

Hancock Whitney Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets33.6B36.5B35.2B35.6B40.9B43.0B
Other Current Liab(1.7B)(1.7B)(1.9B)11.1B12.7B6.7B
Net Debt186.2M(2.3B)1.2B328.9M378.3M397.2M
Retained Earnings1.3B1.7B2.1B2.4B2.7B2.9B
Cash1.9B4.2B887.8M1.2B1.4B1.4B
Other Assets20.1B14.5B18.7B(140.3M)(161.4M)(153.3M)
Net Receivables205.6M225.0M166.9M214.9M247.2M259.5M
Total Liab30.2B32.9B31.8B31.8B36.5B38.4B
Total Current Assets3.4B8.3B6.6B1.5B1.7B1.6B
Short Term Debt1.7B1.7B1.9B1.2B1.3B1.1B
Other Current Assets2.0B4.4B1.1B1.5B1.7B1.6B
Common Stock2.1B2.1B2.0B309.5M355.9M338.1M
Other Liab222.2M455.9M485.7M327.0M376.1M195.8M
Accounts Payable4.3M3.1M9.9M45M40.5M38.5M
Long Term Debt378.3M244.2M242.1M236.3M271.8M209.3M
Inventory(2.0B)(4.4B)(1.1B)(5.6B)(5.1B)(4.8B)
Intangible Assets86.9M70.2M56.2M44.6M51.3M87.3M
Net Tangible Assets2.5B2.5B2.7B2.4B2.8B2.2B
Long Term Debt Total225.0M233.5M378.3M244.2M280.9M347.6M
Capital Surpluse1.7B1.7B1.8B1.8B2.0B1.7B

Hancock Whitney Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense115.5M49.0M87.1M522.9M601.3M631.4M
Total Revenue1.3B1.3B1.4B1.3B1.5B1.6B
Gross Profit1.3B1.3B1.4B1.3B1.5B1.6B
Operating Income(124.7M)568.1M777.8M604.4M695.0M729.8M
Ebit(124.7M)568.1M659.2M490.1M563.6M591.8M
Ebitda(74.7M)613.8M704.8M536.4M616.9M647.7M
Income Before Tax(124.7M)568.1M659.2M490.1M563.6M591.8M
Net Income(45.2M)463.2M524.1M392.6M451.5M474.1M
Income Tax Expense(79.6M)104.8M135.1M97.5M112.2M117.8M
Tax Provision(79.6M)104.8M135.1M122.0M140.3M70.3M
Net Interest Income942.5M933.2M1.1B1.1B1.3B961.9M
Interest Income1.1B982.3M1.1B1.5B1.8B1.1B

Hancock Whitney Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash94.2M(125.1M)163.3M(3.3M)(2.9M)(2.8M)
Free Cash Flow317.3M562.1M812.9M470.2M540.8M567.8M
Depreciation50.0M45.8M45.6M46.3M53.2M27.6M
Other Non Cash Items633.4M(36.3M)(31.1M)113.8M130.9M137.5M
Dividends Paid95.6M95.9M94.5M(104.7M)(120.4M)(114.4M)
Capital Expenditures37.9M23.5M29.1M25.0M28.8M23.6M
Net Income(45.2M)463.2M524.1M392.6M451.5M474.1M
End Period Cash Flow526.3M401.2M564.5M561.2M645.4M677.7M
Investments(3.2B)(3.2B)662.4M(1.8B)(1.6B)(1.7B)
Net Borrowings1.1B(881.2M)(133.5M)211.4M190.2M199.7M
Change To Netincome64.3M484.7M(33.5M)(29.8M)(34.2M)(32.5M)

Hancock Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Hancock Whitney's current stock value. Our valuation model uses many indicators to compare Hancock Whitney value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Hancock Whitney competition to find correlations between indicators driving Hancock Whitney's intrinsic value. More Info.
Hancock Whitney Corp is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.11  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Hancock Whitney Corp is roughly  9.31 . At present, Hancock Whitney's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Hancock Whitney's earnings, one of the primary drivers of an investment's value.

Hancock Whitney Corp Systematic Risk

Hancock Whitney's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Hancock Whitney volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourty-five with a total number of output elements of sixteen. The Beta measures systematic risk based on how returns on Hancock Whitney Corp correlated with the market. If Beta is less than 0 Hancock Whitney generally moves in the opposite direction as compared to the market. If Hancock Whitney Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Hancock Whitney Corp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Hancock Whitney is generally in the same direction as the market. If Beta > 1 Hancock Whitney moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Hancock Whitney Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Hancock Whitney's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Hancock Whitney growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.47)

At present, Hancock Whitney's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Hancock Whitney January 31, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Hancock Whitney help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Hancock Whitney Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Hancock Whitney Corp based on widely used predictive technical indicators. In general, we focus on analyzing Hancock Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Hancock Whitney's daily price indicators and compare them against related drivers.

Complementary Tools for Hancock Stock analysis

When running Hancock Whitney's price analysis, check to measure Hancock Whitney's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Hancock Whitney is operating at the current time. Most of Hancock Whitney's value examination focuses on studying past and present price action to predict the probability of Hancock Whitney's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Hancock Whitney's price. Additionally, you may evaluate how the addition of Hancock Whitney to your portfolios can decrease your overall portfolio volatility.
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