Hancock Whitney Corp (HWC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Hancock Whitney Corp stock $54.86, price $71.48, that is 23.3% below the price, quality 63 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Hancock Whitney Corp
HWC · USOur calculation puts a fair price 23% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $29.10 – $79.25 · fair‑value band $49.19 – $70.59 · the $71.48 price screens above the $54.86 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
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.
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The company 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, including revolving credit facilities; letters of credit and similar financial guarantees; trust and investment management services to retirement plans, corporations, and individuals; and investment advisory and brokerage products.
It also provides commercial and industrial loans, such as commercial non-real estate and real estate loans; construction and land development loans; residential mortgages; and consumer loans comprising second lien mortgage home loans, home equity lines of credit, and nonresidential consumer purpose loans, automobiles, recreational vehicles and boats, other personal purposes, deposit account secured loans, and small portfolio of credit card receivables.
In addition, the company 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; 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.
Stock analysis
Hancock Whitney Corp (HWC) currently trades at $71.48, while our model-based Fair Value estimate is $54.86, 23% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $69.64 per share, and 1 of the 6 models we run sit above the $71.48 price.
Bear case: the Asset-Based group reads lowest at $28.96, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $49.19 (bear) to $70.59 (bull), the price of $71.48 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Hancock Whitney Corp reported revenue of $2.0B in FY2025 versus $1.3B in FY2021, a compound +10.7%/yr. Reported net income was $486M in FY2025, compounding +1.2%/yr from FY2021.
Key figures
Market cap $5.8B Mid · P/E ratio 14.4 · P/S ratio 4.04 · EPS (TTM) $4.98 · Dividend yield 2.8% · Net margin 28.4% · Return on equity 9.4% · Return on assets (EBIT) 1.6% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (low confidence).
What moves the price
The share trades about 10% below its 52-week high and 31% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −23%, HWC screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 3 officers or directors sold shares worth $2.1M and none bought.
- SaleEmory L Mayfield JrChief Banking Officer4,990 shares at $76.40$381,236Aug 20, 2026
- SaleMichael M AcharyChief Financial Officer22,694 shares at $76.18$1.7MJul 24, 2026
- SaleChristine L PickeringDirector2× since Feb 10, 2026: 1,499 shares, avg. $71.40$107,024May 22, 2026
- SaleJohn M HairstonPresident & CEO, Director63,453 shares at $73.71$4.7MFeb 10, 2026
- SaleChristopher S ZilucaChief Credit Officer5,227 shares at $68.57$358,415Jan 23, 2026
- SaleDean LiollioDirector5,328 shares at $58.48$311,588Nov 14, 2025
Plus 8 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
HWC screens overvalued: fair value 23% below the price. Compare with China Merchants Bank Co →
Earlier news
- Hancock Whitney Corporation Announces Quarterly Dividend
- Hancock Whitney (HWC) Stock Slips As Q3 Earnings Trail Profit Momentum
- Hancock Whitney (HWC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
- Hancock Whitney (HWC) Q3 Earnings and Revenues Surpass Estimates
Compare Hancock Whitney Corp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- P/S ratio by industry
- EBIT margin by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs HWC |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs HWC |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs HWC |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs HWC |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs HWC |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs HWC |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs HWC |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs HWC |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs HWC |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs HWC |
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Key figures of Hancock Whitney Corp
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