Financial Services · Banks - Regional
Price
$74.61
Market Cap
$6.1B
Employees
3,497
Beta
0.98
Avg Volume
906,988
CEO
John Hairston
Business Description
Hancock Whitney Corporation, founded in 1899 and headquartered in Gulfport, Mississippi, functions as the financial holding company for Hancock Whitney Bank. This institution delivers a comprehensive range of traditional and online banking solutions to commercial entities, small businesses, and individual consumers. Its deposit product portfolio includes noninterest-bearing checking accounts, interest-bearing transaction accounts, savings accounts, money market deposit accounts, and time deposits. The company also provides diverse loan options, such as commercial and industrial financing, commercial real estate loans, construction and land development loans, residential mortgages, and consumer loans like second lien mortgage home loans, home equity lines of credit, and other consumer purpose loans. Additionally, it offers revolving credit facilities, letters of credit, and financial guarantees. Beyond core banking, Hancock Whitney furnishes investment brokerage and treasury management services, along with annuity and life insurance products. It also provides trust and investment management services for retirement plans, corporations, and individuals. The corporation further participates in new market tax credit activities and manages foreclosed assets. Operating primarily throughout the Gulf South corridor, Hancock Whitney maintains a significant physical presence with 177 banking locations and 239 automated teller machines. Its operational footprint covers southern and central Mississippi; southern and central Alabama; southern, central, and northwest Louisiana; the northern, central, and panhandle areas of Florida; and specific regions of East Texas, including Houston, Beaumont, Dallas, and San Antonio. The company also operates a loan production office in Tennessee and a dedicated trust and asset management office in Texas. Formerly known as Hancock Holding Company, the company rebranded to Hancock Whitney Corporation in May 2018.
Business History
Price Overview
Price at report time · Jul 5, 4:07am (0m ago)
$74.61
Change · Jul 5
-1.05 (-1.39%)
Day Range
$73.97 – $76.39
52-Week Range
$54.05 – $76.39
50-Day MA
$69.08
200-Day MA
$65.28
Volume
1,111,828.00
Right now · live
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Real-time — the change above is the move since the report (over 0m).
Analyst Price Targets
Low
$74.00
Consensus
$79.40
High
$84.00
(19 analysts)
Share Structure
Outstanding
81,158,000.00
Float
80,611,775.00
Free Float
99.3%
High free float
— 99.3% of shares trade freely, ~0.7% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
14.83
Stock Price: $74.61
EPS (Diluted): 5.71
EPS (Diluted): 5.71
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
1.19
Stock Price: $74.61
Total Equity: $4.46B
Shares: 84,276,510
Total Equity: $4.46B
Shares: 84,276,510
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
12.78
Market Cap: $6.06B
Total Debt: $1.22B
Cash: $563.00M
EBITDA: $655.82M
Total Debt: $1.22B
Cash: $563.00M
EBITDA: $655.82M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$6.1B
Market Cap: $6.06B
Total Debt: $1.22B
Cash: $563.00M
Total Debt: $1.22B
Cash: $563.00M
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
73.1%
Gross Profit: $1.47B
Revenue: $2.02B
Revenue: $2.02B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
31.0%
Operating Income: $625.54M
Revenue: $2.02B
Revenue: $2.02B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
24.1%
Net Income: $486.07M
Revenue: $2.02B
Revenue: $2.02B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
9.3%
Net Income: $486.07M
Total Equity: $4.46B
Total Equity: $4.46B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
1.2%
Operating Income: $625.54M
Tax Rate: 20.6%
Equity: $4.46B
Total Debt: $1.22B
Cash: $563.00M
Tax Rate: 20.6%
Equity: $4.46B
Total Debt: $1.22B
Cash: $563.00M
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.13
Current Assets: $132.27M
Current Liabilities: $1.02B
Current Liabilities: $1.02B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
0.27
Short-Term Debt: $1.02B
Long-Term Debt: $199.41M
Total Debt: $1.22B
Total Equity: $4.46B
Long-Term Debt: $199.41M
Total Debt: $1.22B
Total Equity: $4.46B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$23.95
Revenue: $2.02B
Shares: 84,276,510
Shares: 84,276,510
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$52.92
Total Equity: $4.46B
Shares: 84,276,510
Shares: 84,276,510
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$6.21
Operating CF: $541.78M
CapEx: -$18.72M
Shares: 84,276,510
CapEx: -$18.72M
Shares: 84,276,510
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
2.9%
Last Dividend: N/A
Stock Price: $74.61
Stock Price: $74.61
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $486.07M
Net Income: $486.07M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares HWC against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jul 5, 2026 4:07am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $1.3B | $1.5B | $1.9B | $2.0B | $2.0B |
| Cost of Revenue | -$28.5M | $58.7M | $582.0M | $663.2M | $543.9M |
| Gross Profit | $1.4B | $1.4B | $1.3B | $1.4B | $1.5B |
| Operating Expenses | $805.6M | $747.6M | $817.5M | $812.1M | $848.7M |
| Operating Income | $568.1M | $659.2M | $490.1M | $574.0M | $625.5M |
| Net Income | $463.2M | $524.1M | $392.6M | $460.8M | $486.1M |
| EBITDA | $613.8M | $704.8M | $536.4M | $615.7M | $655.8M |
| EPS | $5.23 | $6.00 | $4.51 | $5.30 | $5.71 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jul 5, 2026 4:07am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $4.2B | $887.8M | $1.2B | $1.5B | $563.0M |
| Total Current Assets | $11.5B | $6.6B | $6.4B | $6.9B | $132.3M |
| Total Assets | $36.5B | $35.2B | $35.6B | $35.1B | $35.5B |
| Current Liabilities | $32.1B | $31.0B | $30.9B | $30.2B | $1.0B |
| Long-Term Debt | $244.2M | $242.1M | $236.3M | $210.5M | $199.4M |
| Total Liabilities | $32.9B | $31.8B | $31.8B | $31.0B | $31.0B |
| Total Equity | $3.7B | $3.3B | $3.8B | $4.1B | $4.5B |
| Retained Earnings | $1.7B | $2.1B | $2.4B | $2.7B | $3.0B |
Cash Flow (Annual)
Last updated: Jul 5, 2026 4:07am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $585.7M | $842.0M | $495.2M | $625.7M | $541.8M |
| Capital Expenditure | -$23.5M | -$29.1M | -$25.0M | -$10.2M | -$18.7M |
| Free Cash Flow | $562.1M | $812.9M | $470.2M | $615.5M | $523.1M |
| Acquisitions (net) | $0 | $0 | $0 | $0 | -$112.1M |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$21.8M | -$58.9M | $0 | -$37.7M | -$246.9M |
| Net Change in Cash | -$125.1M | $163.3M | -$3.3M | $13.7M | -$11.9M |
Analyst Estimates (Annual)
Last updated: Jul 5, 2026 4:07am (just now)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$1.5B $1.5B – $1.5B
|
$1.6B $1.6B – $1.6B
|
$1.8B $1.7B – $1.8B
|
$1.8B $1.8B – $1.8B
|
| EBITDA |
$563.0M $559.3M – $569.9M
|
$594.5M $583.6M – $598.4M
|
$647.6M $644.0M – $651.3M
|
$656.1M $650.6M – $661.7M
|
| Net Income |
$482.3M $479.8M – $484.8M
|
$546.2M $544.1M – $548.4M
|
$616.9M $603.8M – $630.0M
|
$658.3M $642.6M – $668.8M
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jul 5, 2026 4:07am (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +8.9% | +28.9% | +8.5% | -1.5% |
| Gross Profit Growth | +2.4% | -7.1% | +6.0% | +6.4% |
| Operating Income Growth | +16.0% | -25.6% | +17.1% | +9.0% |
| Net Income Growth | +13.1% | -25.1% | +17.4% | +5.5% |
| EBITDA Growth | +14.8% | -23.9% | +14.8% | +6.5% |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-06-29 | Wilkins Carleton Richard | A-Award | 53.92 | $74.76 | $4,031 |
| 2026-06-29 | Perez Sonia | A-Award | 21.07 | $74.76 | $1,575 |
| 2026-06-29 | Little Sonya C | A-Award | 89.03 | $74.76 | $6,656 |
| 2026-06-29 | Liollio Dean | A-Award | 359.48 | $74.76 | $26,875 |
| 2026-05-22 | PICKERING CHRISTINE L | S-Sale | 417.00 | $67.16 | $28,006 |
| 2026-05-01 | Davis Stacy Jo | F-InKind | 83.00 | $67.51 | $5,603 |
| 2026-04-29 | Teofilo Joan Cahill | A-Award | 1,187.00 | $67.41 | $80,016 |
| 2026-04-29 | LANE HARRY MERRITT III | A-Award | 1,187.00 | $67.41 | $80,016 |
| 2026-04-29 | Williams Albert J | A-Award | 1,187.00 | $67.41 | $80,016 |
| 2026-04-29 | Wilkins Carleton Richard | A-Award | 1,187.00 | $67.41 | $80,016 |
| 2026-04-29 | PICKERING CHRISTINE L | A-Award | 1,187.00 | $67.41 | $80,016 |
| 2026-04-29 | Perez Sonia | A-Award | 1,187.00 | $67.41 | $80,016 |
| 2026-04-29 | Olinde Thomas H | A-Award | 1,187.00 | $67.41 | $80,016 |
| 2026-04-29 | Little Sonya C | A-Award | 1,187.00 | $67.41 | $80,016 |
| 2026-04-29 | Liollio Dean | A-Award | 1,187.00 | $67.41 | $80,016 |
| 2026-04-29 | Levens Jerry L | A-Award | 1,187.00 | $67.41 | $80,016 |
| 2026-04-29 | Kent Suzette K | A-Award | 1,187.00 | $67.41 | $80,016 |
| 2026-04-29 | Hanna Randall W | A-Award | 1,187.00 | $67.41 | $80,016 |
| 2026-04-29 | Feagin Moses H | A-Award | 1,187.00 | $67.41 | $80,016 |
| 2026-04-29 | BERTUCCI FRANK E | A-Award | 1,187.00 | $67.41 | $80,016 |
Dividend History (Last 20)
Last updated: Jul 5, 2026 4:07am (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-06-05 | $0.50 | 2026-04-30 | 2026-06-05 | 2026-06-15 |
| 2026-03-05 | $0.50 | 2026-01-29 | 2026-03-05 | 2026-03-16 |
| 2025-12-05 | $0.45 | 2025-10-23 | 2025-12-05 | 2025-12-15 |
| 2025-09-05 | $0.45 | 2025-07-24 | 2025-09-05 | 2025-09-15 |
| 2025-06-05 | $0.45 | 2025-04-24 | 2025-06-05 | 2025-06-16 |
| 2025-03-05 | $0.45 | 2025-01-30 | 2025-03-05 | 2025-03-17 |
| 2024-12-05 | $0.40 | 2024-10-24 | 2024-12-05 | 2024-12-16 |
| 2024-09-05 | $0.40 | 2024-07-25 | 2024-09-05 | 2024-09-16 |
| 2024-06-05 | $0.40 | 2024-04-25 | 2024-06-05 | 2024-06-14 |
| 2024-03-04 | $0.30 | 2024-01-25 | 2024-03-05 | 2024-03-15 |
| 2023-12-04 | $0.30 | 2023-10-26 | 2023-12-05 | 2023-12-15 |
| 2023-09-01 | $0.30 | 2023-07-27 | 2023-09-05 | 2023-09-15 |
| 2023-06-02 | $0.30 | 2023-04-27 | 2023-06-05 | 2023-06-15 |
| 2023-03-03 | $0.30 | 2023-01-26 | 2023-03-06 | 2023-03-15 |
| 2022-12-02 | $0.27 | 2022-10-27 | 2022-12-05 | 2022-12-15 |
| 2022-09-02 | $0.27 | 2022-07-28 | 2022-09-06 | 2022-09-15 |
| 2022-06-03 | $0.27 | 2022-04-28 | 2022-06-06 | 2022-06-15 |
| 2022-03-03 | $0.27 | 2022-01-27 | 2022-03-04 | 2022-03-15 |
| 2021-12-03 | $0.27 | 2021-10-29 | 2021-12-06 | 2021-12-15 |
| 2021-09-03 | $0.27 | 2021-07-30 | 2021-09-07 | 2021-09-15 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for HWC — it's generated by the pipeline (
market-narrative step).
No community reviews yet for HWC.
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My Notes
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.377 · 1648bd22 · 2026-07-04 14:36:23