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Upturn AI SWOT - About
HWC 
Hancock Whitney Corp (HWC)
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Upturn Advisory Summary
10/15/2025: HWC (1-star) is a SELL. SELL since 3 days. Simulated Profits (11.58%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $70.72
1 Year Target Price $70.72
| 5 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 0.19% | Avg. Invested days 39 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.62B USD | Price to earnings Ratio 9.79 | 1Y Target Price 70.72 |
Price to earnings Ratio 9.79 | 1Y Target Price 70.72 | ||
Volume (30-day avg) 8 | Beta 1.12 | 52 Weeks Range 43.22 - 64.66 | Updated Date 10/16/2025 |
52 Weeks Range 43.22 - 64.66 | Updated Date 10/16/2025 | ||
Dividends yield (FY) 2.98% | Basic EPS (TTM) 5.57 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-21 | When After Market | Estimate 1.43 | Actual 1.49 |
Profitability
Profit Margin 33.64% | Operating Margin (TTM) 43.61% |
Management Effectiveness
Return on Assets (TTM) 1.36% | Return on Equity (TTM) 11.16% |
Valuation
Trailing PE 9.79 | Forward PE 10.09 | Enterprise Value 5613355008 | Price to Sales(TTM) 3.22 |
Enterprise Value 5613355008 | Price to Sales(TTM) 3.22 | ||
Enterprise Value to Revenue 4.17 | Enterprise Value to EBITDA - | Shares Outstanding 84711000 | Shares Floating 83702092 |
Shares Outstanding 84711000 | Shares Floating 83702092 | ||
Percent Insiders 1.11 | Percent Institutions 89.81 |
Upturn AI SWOT
Hancock Whitney Corp
Company Overview
History and Background
Hancock Whitney Corp. was originally founded as Hancock Bank in 1899 in Bay St. Louis, Mississippi. Over the years, it has grown through acquisitions and organic expansion, evolving into a regional financial services holding company. A significant milestone was the merger with Whitney National Bank in 2011, forming Hancock Whitney Corp.
Core Business Areas
- Commercial Banking: Provides a range of lending, deposit, and treasury management services to businesses of all sizes.
- Retail Banking: Offers personal banking services, including checking and savings accounts, loans, and credit cards.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and institutions.
Leadership and Structure
John M. Hairston serves as the President and CEO. The organizational structure includes various departments overseeing commercial banking, retail banking, wealth management, and support functions like finance, technology, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides financing for businesses, including term loans, lines of credit, and commercial real estate loans. Market share data is not publicly available for specific loan types. Competitors include Regions Financial (RF), Cadence Bank (CADE), and Truist Financial (TFC).
- Deposit Accounts: Offers checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available for specific deposit types. Competitors include Bank of America (BAC), Wells Fargo (WFC), and JPMorgan Chase (JPM).
- Wealth Management Services: Provides financial planning, investment management, and trust services. Market share data is not publicly available for specific services. Competitors include Raymond James Financial (RJF), Morgan Stanley (MS), and Merrill Lynch (BAC).
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies. Regional banks face challenges in maintaining profitability and attracting deposits.
Positioning
Hancock Whitney Corp is a regional bank focused on the Gulf South region. Its competitive advantages include its strong local presence, long-standing customer relationships, and a comprehensive suite of financial services.
Total Addressable Market (TAM)
The TAM for banking services in the Gulf South is estimated to be in the billions of dollars annually. Hancock Whitney is positioned to capture a portion of this market through its existing customer base and expansion efforts.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Long-standing customer relationships
- Diversified revenue streams
- Experienced management team
- Commitment to community involvement
Weaknesses
- Limited geographic reach compared to national banks
- Exposure to regional economic fluctuations
- Vulnerability to cybersecurity threats
- Higher efficiency ratio relative to larger competitors
- Reliance on interest income
Opportunities
- Expansion into new markets within the Gulf South
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks
- Growth in wealth management business
- Capitalizing on disruptions in the regional banking market
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in the Gulf South
- Stringent regulatory requirements
- Cybersecurity breaches
Competitors and Market Share
Key Competitors
- Regions Financial (RF)
- Cadence Bank (CADE)
- Trustmark (TRMK)
- Texas Capital Bancshares (TCBI)
Competitive Landscape
Hancock Whitney competes with other regional banks and national banks in the Gulf South region. Its advantages include its local presence and customer relationships. Disadvantages include its smaller size and limited geographic reach.
Major Acquisitions
MidSouth Bancorp
- Year: 2018
- Acquisition Price (USD millions): 212.5
- Strategic Rationale: Expanded Hancock Whitney's presence in Louisiana and strengthened its commercial banking business.
Growth Trajectory and Initiatives
Historical Growth: Hancock Whitney's historical growth has been a combination of organic expansion and strategic acquisitions. Growth rates have varied depending on economic conditions and market opportunities.
Future Projections: Future growth projections are based on analyst estimates, which are subject to change. Consult financial analysis websites for current analyst estimates.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion into new markets, and efforts to improve operational efficiency.
Summary
Hancock Whitney is a solid regional bank with a strong presence in the Gulf South. Its customer relationships and diversified revenue streams are key strengths. However, it faces challenges from larger competitors and economic fluctuations in the region, therefore growth depends on the economy and proper expense management.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Articles
- Market Analysis Reports
- Yahoo Finance
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. Analyst estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Hancock Whitney Corp
Exchange NASDAQ | Headquaters Gulfport, MS, United States | ||
IPO Launch date 2001-01-02 | President, CEO & Director Mr. John M. Hairston | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3476 | Website https://www.hancockwhitney.com |
Full time employees 3476 | 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 in the United States. It 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; letters of credit and similar financial guarantees; trust and investment management services to retirement plans, corporations, and individuals; and investment advisory and brokerage products. The company also provides commercial and industrial loans, including real and non-real estate loans; commercial real estate loans; construction and land development loans; and residential mortgages, as well as consumer loans. In addition, it 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; provides customers access to 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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