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Earnings transcript
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HWC
Hancock Whitney Corporation
$64.29
0.18
(0.28%)
| Exchange: | NASDAQ |
| Market Cap: | 5.25B |
| Shares Outstanding: | 18.67M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | John Hairston | |||||
| Full Time Employees: | 3497 | |||||
| Address: |
| |||||
| Website: | https://www.hancockwhitney.com |
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. It accepts various deposit products, including noninterest-bearing demand deposits, interest-bearing transaction accounts, savings accounts, money market deposit accounts, and time deposit accounts. The company also offers loans products comprising commercial and industrial loans; commercial real estate loans; construction and land development loans; residential mortgages; consumer loans comprising second lien mortgage home loans, home equity lines of credit, and nonresidential consumer purpose loans; revolving credit facilities; and letters of credit and financial guarantees. In addition, it offers investment brokerage and treasury management services, and annuity and life insurance products; and trust and investment management services to retirement plans, corporations, and individuals. Further, the company facilitates investments in new market tax credit activities; and holds various foreclosed assets. The company operates 177 banking locations and 239 automated teller machines primarily in the Gulf south corridor, including southern and central Mississippi; southern and central Alabama; southern, central, and northwest Louisiana; the northern, central, and panhandle regions of Florida; and certain areas of east Texas, including Houston, Beaumont, Dallas, and San Antonio. It also operates a loan production office in Tennessee; and a trust and asset management office in Texas. The company was formerly known as Hancock Holding Company and changed its name to Hancock Whitney Corporation in May 2018. Hancock Whitney Corporation was founded in 1899 and is headquartered in Gulfport, Mississippi.
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Revenue Segmentation
EPS
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Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,889,589 | 2,049,300 | 2,018,174 |
| Gross Profit | 1,307,588 | 1,386,063 | 1,474,288 |
| EBITDA | 536,404 | 615,687 | 655,823 |
| Operating Income | 490,128 | 573,973 | 625,540 |
| Net Income | 392,602 | 460,815 | 486,073 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 35,578,573 | 35,081,785 | 35,472,762 |
| Total Liabilities | 31,774,912 | 30,954,149 | 31,012,645 |
| Total Stockholders Equity | 3,803,661 | 4,127,636 | 4,460,117 |
| Total Debt | 1,516,764 | 967,376 | 1,216,699 |
| Cash and Cash Equivalents | 1,187,848 | 1,514,216 | 0 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 495,249 | 625,742 | 0 |
| Capital Expenditure | -25,025 | -10,237 | 0 |
| Free Cash Flow | 470,224 | 615,505 | 0 |
| Net Income | 392,602 | 460,815 | 486,073 |
| Net Change in Cash | -3,257 | 13,708 | -574,910 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,746,481.508 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 1,746,481.509 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 1,746,481.509 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 644,991.494 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 644,991.494 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 644,991.494 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 636,974.511 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 662,649.350 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 651,266.965 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 493,530.827 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 493,530.827 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 493,530.827 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 7.730 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 7.860 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 7.560 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 3 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Financial Performance: Hancock Whitney Corporation reported robust quarterly results in the latest earnings call (Q2 2025), with key financial metrics indicating solid revenue growth, improved net income, and positive earnings per share (EPS) trends. This performance aligns with or exceeds analyst expectations, reflecting effective operational management.
- Healthy Profitability Metrics: The company demonstrates strong profitability with competitive gross profit margin (TTM) and net profit margin (TTM) figures from the key metrics data. Additionally, a favorable return on equity (ROE TTM) underscores efficient use of shareholder capital.
- Positive Free Cash Flow: Cash flow statements highlight consistent free cash flow generation (TTM), supported by strong operating cash flow. This financial stability provides flexibility for reinvestment or debt management, as evidenced by recent free cash flow yield (TTM) metrics.
- Strategic Growth Focus: Insights from the Q2 2025 earnings call transcript emphasize the company’s commitment to strategic growth initiatives, including operational efficiency improvements and targeted investments, which position HWC favorably within its sector.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates HWC intrinsic value between $74.12 – $104.52 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about HWC valuation
Is Hancock Whitney Corporation (HWC) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Hancock Whitney Corporation (HWC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is HWC a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether HWC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is HWC’s P/E ratio?
You can see HWC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for HWC?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is HWC a good long-term investment?
Whether HWC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
HWC
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
0.28
Trading Metrics:
| Open: | 63.17 | Previous Close: | 64.11 | |
| Day Low: | 62.73 | Day High: | 64.35 | |
| Year Low: | 43.9 | Year High: | 75.43 | |
| Price Avg 50: | 66.76 | Price Avg 200: | 62.62 | |
| Volume: | 482929 | Average Volume: | 865013 |
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Login — it's freeHWC full analysis
Welcome to MARKETSNAP’s SWOT analysis for Hancock Whitney Corporation, or HWC as you might see it listed on the ticker. If you’re not familiar with this name, let me give you the quick rundown. Hancock Whitney is a regional banking powerhouse, operating primarily in the Gulf South region of the United States. They’re in the financial services game, offering everything from commercial banking to wealth management, and they’ve carved out a solid spot in the banking industry. With thousands of…
