HWC
HANCOCK WHITNEY CORP
Financials • CIK: 0000750577
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Market Cap
$5.36B
P/E (TTM)
11.2x
Rev Growth (TTM)
+7.3%
Net Margin (TTM)
32.4%
FCF Yield (TTM)
10.6%
FCF Margin (TTM)
38.0%
Cash Flow Health
Free Cash Flow8/8 positive
TTM$566M
Q3 '25
$155M+27%
Q2 '25
$122M+22%
FCF Margin
TTM38.0%
Q3 '2540.2%+24%
Sector: 22.2%Top 25%
OCF Margin38.9%
OCF/NI1.20x
CapEx Coverage40.5x
FCF Yield10.6%
FCF Growth (2Y)–
Cash Conversion Cycle
0 days
DSO: 0+DIO: 0−DPO: 0
Capital Allocation & Returns
Shareholder Friendly
Total Shareholder YieldTTM
TTM4.8%
Div Yield2.8%
+Buyback (TTM)2.0%
Strong capital returns to shareholders
Dividend & Payout Metrics
Dividend Yield (TTM)2.8%
FCF Payout Ratio26.5%
Free Cash Flow (TTM)$566.0M
Stock Repurchases (TTM)$108.1M
Capital Return / FCF46.0%
Est. Dividends Paid (TTM)$149.9M
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
–
P25MedianP75
(med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
–
Asset Turnover
0.04x
8Q: 0.04x
Leverage (1+D/E)
1.42x
D/E: 0.42x
Asset & CapEx Efficiency
Fixed Asset Turn
5.46x
8Q:5.21x
-89.4%
CapEx/Depreciation
0.50x
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $1.5B | $385.7M↑2.7% | $375.5M↑3.0% | $364.7M↓0.0% | $364.8M↓0.8% | $367.7M↑2.2% | $359.6M↑1.6% | $354.0M↑14.8% | $308.4M |
Operating Income | $654.6M | $173.0M↑8.5% | $159.5M↓0.1% | $159.6M↓1.7% | $162.4M↓0.8% | $163.8M↑6.7% | $153.6M↑5.0% | $146.3M↑84.6% | $79.3M |
Net Income | $482.6M | $127.5M↑12.3% | $113.5M↓5.0% | $119.5M↓2.1% | $122.1M↑5.6% | $115.6M↑0.9% | $114.6M↑5.5% | $108.6M↑114.6% | $50.6M |
Operating Cash Flow | $580.3M | $158.8M↑26.2% | $125.8M↑20.8% | $104.2M↓45.6% | $191.6M↑17.9% | $162.5M↑54.7% | $105.0M↓37.0% | $166.7M↑79.5% | $92.8M |
Free Cash Flow | $566.0M | $155.0M↑27.0% | $122.0M↑21.7% | $100.2M↓46.9% | $188.8M↑19.1% | $158.6M↑52.9% | $103.7M↓36.9% | $164.4M↑77.9% | $92.4M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
11.2x
Volatile
8Q: 38.6x-2135%
Valuation Lenses
Earnings
11.2x
vs – sector
Cash Flow
10.2x
EV/FCF vs –
Growth-Adj
0.4xPEG
Undervalued for growth
Quality-Adj
–P/E per %ROIC
ROIC: –
Shareholder Returns
Dividend
2.8%
Buyback
2.0%
Total Yield
4.8%
Market Cap$5.36B
EV$5.78B
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
75/100
High Quality
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Above Avg
11.3%
8Q:–
Return on Invested Capital (ROIC)
–
8Q:–
vs Sector:0.1%
Earnings Quality
Cash Conversion
1.20x
OCF / Net Income ✓
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin–
Capital Efficiency
Invested Capital Turnover–
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Moderate Growth
Growth Quality Score
57/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
7.3%
OpInc Growth YoY
5.6%
EPS Growth YoY
25.3%
FCF 3Y CAGR
N/A
Margin Quality & Sustainability
Moderate
Profitability Cascade
Gross
—
Operating
—
Net
32.4%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
+5.6 pts
FCF: 38.0% | Net: 32.4%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Adequate
Net Debt / EBITDA
–Net Debt: $1.38B
Interest Coverage
–
Leverage Metrics
Debt-to-Equity
0.42x
Balance sheet risk & solvency analysis