Back to Dashboard
70

HWC

🏦 Financial Services

Hancock Whitney Corporation

Conservative #91Aggressive #530Low RiskHigh 100
$69.09+2.10%
Day High$69.43
Day Low$68.10
Volume0.5M
Mkt Cap$5.8B
52W Low $4452W High $75
Market Cap
$6.0B
P/E Ratio
12.2
Sector avg: 49.4
Rev Growth
-1.5%
Sector avg: 13.4%
Earnings Growth
5.5%
Profit Margin
24.1%
Sector avg: -2.8%
Debt/Equity
0.27

Why This Score

HWC scores 70.8 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • High net margin of 24.1%, indicating pricing power and operational efficiency.
  • Attractively valued at 12.2x earnings, below the market average.
  • Low volatility (5.2% annualized) — well-suited for risk-averse portfolios.
  • Positive but moderate momentum (28%) — steady appreciation without overheating.
  • High conviction (100/100) — fundamental and ML signals agree on this stock.
Risk Factors
  • Signal divergence: Fundamental and ML signals disagree by a significant margin, reducing confidence.

Minor adjustments (-1.1 points) applied. HWC's rank of #91 primarily reflects its factor profile relative to the conservative weight vector.

Score Breakdown

Overall Score70.8
Fundamental Score72.3
ML Score50.0

Score by Horizon

3 Month
61.7
6 Month
69.0
Primary
1 Year
72.6

Quality Assessment

B
Earnings Grade
Solid fundamentals with minor quality concerns
Quality Flags
False stability: 0.052 vol with only -1.5% revenue growth — stagnation, not safety (declining revenue overrides sector exemption)

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
100
Advancing
Sentiment (2.5%)
59
Neutral
Analyst (6.4%)
61
Favorable
Tradability (post-hoc)
91
Grade A
Base
67.9
SHAP
+2.0
Factors
+0.4
Conviction
+1.7
Divergence
-1.1
Final
70.8
Positive adjustment
Negative adjustment
Base blend
Final score

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)64.0
Technical (Momentum, Weinstein, Volatility)83.0
External (Sentiment, Analyst, Macro)80.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
-2.7% to +3.3%
Medium-term
-3.8% to +5.4%
Long-term
-4.9% to +7.4%

ML Model Core Features100 trained inputs → ML Score: 50

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score60.9/100
Target Upside+14.8%
Coverage23 analysts
Market Sentiment
Sentiment Score59.3/100
News Volume1 articles
Technical Stage
Weinstein Stage2 — Advancing
12M Momentum+0.3%
6M Momentum+0.1%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration+13.7%
Momentum ConsistencyModerate (0.52)
Relative Strength vs Sector+19.6%
Trend Strength (ADX Proxy)Strong (5.0)
Momentum Quality+0.260
Momentum BreadthBroad ✓
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
24%
Moderate — watch growth
Sector RevGr Rank
P17
Revenue growth vs Financial Services peers
Sector PE Rank
P55
Valuation vs Financial Services peers
Sector FCF Rank
P52
Free cash flow vs Financial Services peers
Growth Deviation
-0.1σ
Z-score vs sector median
Stagnation Flag
YES
Below-sector growth + cheap PE

Analysis Signals

Scoring Factors
Fundamental score of 71 relative to sector peers71/100
Machine learning model ranks this stock at the 72th percentileP72
ML model weight reduced to 9% due to macro conditions: market in extended rally phase; yield curve inverted (recession indicator); late-cycle economic indicators detected9% ML weight
SHAP feature alignment: +4.3pt (features align with model priorities)
Blend: 91% fund (70.7) + 9% ML (71.9) + SHAP(+4.3) = 75.2
Factor quality: +0.8pt (multi-factor composite)
Risk assessment: low. Annualized volatility 5.2%. Stability bonus of +11.5 points. Max drawdown 9% (-0.2 pts)Low
Market cap adjustment: +0.5 points ($6.0B market cap)+0.5 pts
Conviction bonus: +3.6pt (conviction=100)
Risk Factors
Earnings quality grade B: adequate earnings quality with minor concerns. Score adjusted by -24 pointsGrade B
Quality concern: High accrual ratio (20.0%) — earnings quality concern; False stability: 0.1 vol with only -1.5% revenue growth — stagnation, not safety (declining revenue overrides sector exemption); CRE concentration risk: regional bank with likely elevated commercial real estate exposure — forward-looking impairment risk not captured by trailing fundamentalsFlag

Sector Peer Comparison(Financial Services — Rank #23 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
HWC70.812.2-1.5%24.1%$6.0B
CME84.927.29.9%57.5%$109.0B
CINF82.310.711.4%18.9%$25.4B
ACT82.08.92.4%54.6%$6.0B
SEIC80.914.010.7%27.3%$9.6B
TROW79.310.13.1%28.5%$20.5B
FHB78.311.83.2%24.2%$3.3B
MCHB77.70.0123.7%23.2%$3.4B
TRMK75.611.934.8%19.3%$2.7B
BCAL74.39.926.2%27.1%$613M
NMIH73.97.78.4%55.1%$3.0B
FFIN73.218.811.7%30.7%$4.8B
TW73.130.018.9%39.6%$24.8B
VCTR73.118.38.8%32.3%$4.9B
VLY72.412.5-2.2%17.1%$7.5B
QQQX72.310.448.6%257.3%$1.4B
Sector Average45.849.413.4%-2.8%

Market Sentimentvia FMP

Analyst Consensus
Buy23 analysts
Strong Buy: 1Buy: 10Hold: 10Sell: 2
Price Target
$78consensus
Low $76Median $78High $79
+12.5% to consensus target

Company Overviewvia FMP

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.

CEO
John Hairston
Employees
3,497
Beta
1.05
Industry
Banks - Regional
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
30.7
Neutral
Trend
Bullish
10-day vs 50-day MA
From 52W High
-8.4%
High: $75.43
From 52W Low
+57.4%
Low: $43.9
Moving Averages
10-Day
$70.10
Below
20-Day
$70.70
Below
50-Day
$68.20
Above
200-Day
$61.60
Above
60-Day Support
$59.74
60-Day Resistance
$75.43
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 2 — AdvancingScore: 75/100

Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.

Favorable technical position; 50-day SMA acts as support
Price vs 200 SMA
+12.2%
200 SMA Slope (60d)
+7.77%
Rising
Volume Ratio
0.78x
10d avg vs 50d avg
Days in Stage
64
Confidence: 90%

Financial Statementslast 4 quarters via FMP

MetricQ4 2025Q3 2025Q2 2025Q1 2025
Revenue$515M$515M$500M$488M
Gross Profit$389M$373M$360M$352M
Operating Income$171M$160M$145M$149M
Net Income$126M$127M$114M$120M
EPS (Diluted)$1.49$1.49$1.32$1.38
Gross Margin75.6%72.4%71.9%72.2%
Operating Margin33.3%31.1%28.9%30.6%
Net Margin24.4%24.7%22.7%24.5%

Why This Stock

Financial ServicesP/E ratio of 12.2Profit margin 24.1%

Tradability FilterGrade A — 91/100Score impact: +4.1pt

Volume
91
775K avg/day
Dollar Vol
100
$53M/day
Float
93
82M shares
Mkt Cap
69
$6.0B
Range
96
72% spread
Composite Liquidity Score91/100
FDCBA

Multi-Year Range Analysis

Sideways: 2/100
YearLowHighRangeStatus
2021$36.80$53.6137.2%Wide
2022$41.62$59.8235.9%Wide
2023$31.02$54.3854.7%Wide
2024$41.19$62.4040.9%Wide
2025$43.90$67.1041.8%Wide
3-Year Range
73.5%
Narrow Years
0 / 5
Sideways Penalty
None

Growth Projection Adjustment

0.49x dampening
slight revenue declinestagnation flag

Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.

Free Float
97.5%
Outstanding Shares
84M
Bid-Ask Spread
72.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.