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Upturn AI SWOT - About
HWC 
Hancock Whitney Corp (HWC)
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Upturn Advisory Summary
06/27/2025: HWC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $65.12
Year Target Price $65.12
| 5 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.24% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.92B USD | Price to earnings Ratio 10.59 | 1Y Target Price 65.12 |
Price to earnings Ratio 10.59 | 1Y Target Price 65.12 | ||
Volume (30-day avg) 8 | Beta 1.07 | 52 Weeks Range 43.53 - 60.96 | Updated Date 06/30/2025 |
52 Weeks Range 43.53 - 60.96 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.12% | Basic EPS (TTM) 5.42 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.66% | Operating Margin (TTM) 44.77% |
Management Effectiveness
Return on Assets (TTM) 1.35% | Return on Equity (TTM) 11.6% |
Valuation
Trailing PE 10.59 | Forward PE 10.09 | Enterprise Value 4495911424 | Price to Sales(TTM) 3.51 |
Enterprise Value 4495911424 | Price to Sales(TTM) 3.51 | ||
Enterprise Value to Revenue 3.61 | Enterprise Value to EBITDA - | Shares Outstanding 85643200 | Shares Floating 84828728 |
Shares Outstanding 85643200 | Shares Floating 84828728 | ||
Percent Insiders 1.1 | Percent Institutions 90.02 |
Analyst Ratings
Rating 3 | Target Price 65.12 | Buy 2 | Strong Buy 5 |
Buy 2 | Strong Buy 5 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Hancock Whitney Corp
Company Overview
History and Background
Hancock Whitney Corp, formed through the merger of Hancock Holding Company and Whitney Holding Corporation in 2011, traces its roots back to 1899 (Hancock Bank) and 1883 (Whitney Bank). It has grown through acquisitions and organic expansion across the Gulf South region.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending, deposit, and treasury management services to businesses of all sizes.
- Retail Banking: Provides consumer banking services, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers investment management, trust, and financial planning services to high-net-worth individuals and families.
Leadership and Structure
John M. Hairston serves as President & CEO. The company operates with a board of directors and a management team overseeing various business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a core product, providing capital for businesses. Market share data is not publicly available at a granular product level. Competitors: Regions Financial, Cadence Bank, and numerous smaller regional banks.
- Mortgages: Mortgages are a significant part of the retail banking portfolio. Market share data is not publicly available at a granular product level. Competitors: Large national banks, credit unions, and mortgage companies like Rocket Mortgage.
- Treasury Management Services: These services help businesses manage their cash flow and payments. Market share data is not publicly available at a granular product level. Competitors: Larger national banks like JPMorgan Chase and Bank of America.
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 consolidation pressures and the need to invest in technology.
Positioning
Hancock Whitney Corp is a regional bank focused on the Gulf South, offering a blend of traditional banking services and technology-driven solutions. Its competitive advantages include strong local relationships and a focus on customer service.
Total Addressable Market (TAM)
The total addressable market for banking services in the Gulf South is estimated to be several billion dollars. Hancock Whitney Corp is positioned to capture a share of this market through its branch network, digital offerings, and relationship-based approach.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Gulf South
- Experienced management team
- Diversified revenue streams
- Solid capital base
- Customer-focused approach
Weaknesses
- Geographic concentration
- Limited international presence
- Smaller scale compared to national banks
- Potential for credit quality deterioration in economic downturns
- Dependence on net interest income
Opportunities
- Expanding into new markets within the Gulf South
- Increasing digital banking adoption
- Acquiring smaller community banks
- Growing wealth management business
- Leveraging technology to improve efficiency
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic slowdown in the Gulf South
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- RF
- CADE
- IBOC
Competitive Landscape
Hancock Whitney Corp competes with larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantage lies in its strong local presence and customer relationships.
Major Acquisitions
Peoples First Bancshares
- Year: 2021
- Acquisition Price (USD millions): 482
- Strategic Rationale: Expanded market presence in Florida Panhandle and Southeast Alabama.
Growth Trajectory and Initiatives
Historical Growth: Hancock Whitney Corp's growth has been driven by both organic expansion and acquisitions.
Future Projections: Analyst estimates project moderate growth in revenue and earnings per share over the next few years, driven by loan growth and efficiency improvements.
Recent Initiatives: Recent strategic initiatives may include branch optimization, investments in digital banking technology, and expansion into new markets.
Summary
Hancock Whitney Corp is a stable regional bank with a strong presence in the Gulf South. It benefits from experienced management and a diversified business model. However, it faces challenges from larger competitors and economic uncertainties. Recent acquisitions are strengthening their footprint, but digital transformation is essential for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Investor Relations Materials
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise.
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 3497 | Website https://www.hancockwhitney.com |
Full time employees 3497 | 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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