Hancock Whitney Financials

HWCPZ Stock  USD 23.74  0.01  0.04%   
Based on the key measurements obtained from Hancock Whitney's financial statements, Hancock Whitney may be sliding down financialy. It has an above-average likelihood of going through some form of financial trouble next quarter. At this time, Hancock Whitney's Non Currrent Assets Other are fairly stable compared to the past year. Cash And Short Term Investments is likely to rise to about 7.4 B in 2025, despite the fact that Other Assets are likely to grow to (153.3 M). Key indicators impacting Hancock Whitney's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.230.36
Way Down
Very volatile
Current Ratio0.130.14
Significantly Down
Slightly volatile
The financial analysis of Hancock Whitney is a critical element in measuring its lifeblood. Investors should not minimize Hancock Whitney's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

474.07 Million

  
Understanding current and past Hancock Whitney Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Hancock Whitney's financial statements are interrelated, with each one affecting the others. For example, an increase in Hancock Whitney's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in Hancock Whitney's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Hancock Whitney. Check Hancock Whitney's Beneish M Score to see the likelihood of Hancock Whitney's management manipulating its earnings.

Hancock Whitney Stock Summary

Hancock Whitney competes with Office Properties, Brighthouse Financial, American Financial, American Financial, and CMS Energy. Hancock Whitney is entity of United States. It is traded as Stock on NASDAQ exchange.
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
CUSIP410120406
IndustryBanking
BenchmarkDow Jones Industrial
CurrencyUSD - US Dollar

Hancock Whitney Key Financial Ratios

Hancock Whitney Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets33.6B36.5B35.2B35.6B40.9B43.0B
Other Current Liab(1.7B)(1.7B)(1.9B)11.1B12.7B13.4B
Net Debt186.2M(2.3B)1.2B328.9M378.3M397.2M
Retained Earnings1.3B1.7B2.1B2.4B2.7B2.9B
Cash1.9B4.2B887.8M1.2B1.4B1.4B
Other Assets20.1B14.5B18.7B(140.3M)(161.4M)(153.3M)
Net Receivables205.6M225.0M166.9M214.9M247.2M259.5M
Total Liab30.2B32.9B31.8B31.8B36.5B38.4B
Total Current Assets3.4B8.3B6.6B1.5B1.7B1.6B
Short Term Debt1.7B1.7B1.9B1.2B1.3B1.1B
Other Current Assets2.0B4.4B1.1B1.5B1.7B1.6B
Common Stock2.1B2.1B2.0B309.5M355.9M338.1M
Intangible Assets86.9M70.2M56.2M44.6M51.3M96.1M
Accounts Payable4.3M3.1M9.9M45M51.8M54.3M
Long Term Debt225.0M233.5M378.3M244.2M219.8M264.3M
Long Term Debt Total225.0M233.5M378.3M244.2M219.8M264.3M
Capital Surpluse1.7B1.7B1.8B1.8B2.0B1.9B

Hancock Whitney Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket.
202020212022202320242025 (projected)
Interest Expense115.5M49.0M87.1M522.9M601.3M631.4M
Total Revenue1.3B1.3B1.4B1.3B1.5B1.6B
Gross Profit1.3B1.3B1.4B1.3B1.5B1.6B
Operating Income(124.7M)568.1M777.8M604.4M695.0M729.8M
Ebit(124.7M)568.1M659.2M490.1M563.6M591.8M
Ebitda(74.7M)613.8M704.8M536.4M616.9M647.7M
Income Before Tax(124.7M)568.1M659.2M490.1M563.6M591.8M
Net Income(45.2M)463.2M524.1M392.6M451.5M474.1M
Income Tax Expense(79.6M)104.8M135.1M97.5M112.2M117.8M

Hancock Whitney Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Hancock Whitney. It measures of how well Hancock is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Hancock Whitney brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Hancock had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Hancock Whitney has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
202020212022202320242025 (projected)
Change In Cash94.2M(125.1M)163.3M(3.3M)(2.9M)(2.8M)
Free Cash Flow317.3M562.1M812.9M470.2M540.8M567.8M
Depreciation50.0M45.8M45.6M46.3M53.2M27.6M
Other Non Cash Items633.4M(36.3M)(31.1M)113.8M130.9M137.5M
Dividends Paid95.6M95.9M94.5M104.7M120.4M126.4M
Capital Expenditures37.9M23.5M29.1M25.0M28.8M23.6M
Net Income(45.2M)463.2M524.1M392.6M451.5M474.1M
End Period Cash Flow526.3M401.2M564.5M561.2M645.4M677.7M

Hancock Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Hancock Whitney's current stock value. Our valuation model uses many indicators to compare Hancock Whitney value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Hancock Whitney competition to find correlations between indicators driving Hancock Whitney's intrinsic value. More Info.
Hancock Whitney is one of the top stocks in number of shares shorted category among its peers. It also is rated as one of the top companies in revenue category among its peers totaling about  90,331  of Revenue per Number Of Shares Shorted. At this time, Hancock Whitney's Total Revenue is fairly stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Hancock Whitney's earnings, one of the primary drivers of an investment's value.

Hancock Whitney Systematic Risk

Hancock Whitney's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Hancock Whitney volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty-one with a total number of output elements of fourty. The Beta measures systematic risk based on how returns on Hancock Whitney correlated with the market. If Beta is less than 0 Hancock Whitney generally moves in the opposite direction as compared to the market. If Hancock Whitney Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Hancock Whitney is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Hancock Whitney is generally in the same direction as the market. If Beta > 1 Hancock Whitney moves generally in the same direction as, but more than the movement of the benchmark.

Steps to analyze company Financials for Investing

There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as Hancock Whitney is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of Hancock has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.
In summary, you can determine if Hancock Whitney's financials are consistent with your investment objective using the following steps:
  • Review Hancock Whitney's balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
  • Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
  • Study the cash flow inflows and outflows to understand Hancock Whitney's liquidity and solvency.
  • Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
  • Compare Hancock Whitney's financials to those of its peers to see how it stacks up and identify any potential red flags.
  • Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if Hancock Whitney's stock is overvalued or undervalued.
Remember, these are just guidelines and should not be the only basis for investment decisions. It is always important to analyze the leading stock market indicators., conduct additional research and seek professional advice if needed.
Today, most investors in Hancock Whitney Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Hancock Whitney's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Hancock Whitney growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.47)

At this time, Hancock Whitney's Price Earnings To Growth Ratio is fairly stable compared to the past year.

Hancock Whitney February 18, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Hancock Whitney help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Hancock Whitney. We use our internally-developed statistical techniques to arrive at the intrinsic value of Hancock Whitney based on widely used predictive technical indicators. In general, we focus on analyzing Hancock Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Hancock Whitney's daily price indicators and compare them against related drivers.

Additional Tools for Hancock Stock Analysis

When running Hancock Whitney's price analysis, check to measure Hancock Whitney's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Hancock Whitney is operating at the current time. Most of Hancock Whitney's value examination focuses on studying past and present price action to predict the probability of Hancock Whitney's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Hancock Whitney's price. Additionally, you may evaluate how the addition of Hancock Whitney to your portfolios can decrease your overall portfolio volatility.