HWC · NASDAQ · STOCK
Hancock Whitney (HWC) Stock Analysis
$76.13
52W $54.05 – $80.13
71/100
$6.35B
15.2
0.96
Is HWC Bullish or Bearish?
Bullish.
Innellis AI committee rates Hancock Whitney (HWC) Buy with a composite score of 71/100
, based on 6 analysts with 83% agreement.
Last updated August 19, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +3.89 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -16.11 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is vix regime is low -- calm backdrop supports risk-taking. The main limiting factor is eps declining -5.9% yoy despite any revenue growth. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 14.9 is inexpensive for the broad market — Value
- Price-to-book of 1.2x is a discount to asset value — Value
- Dividend yield of 2.9% pays you to wait — Value
- Revenue growing 49.4% YoY -- genuine top-line momentum — Growth
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- EPS declining -5.9% YoY despite any revenue growth — Growth
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 19, 2026
Overall Committee Score
71/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 19%
of 211 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 14.9 is inexpensive for the broad market
Growth Analyst
neutral
52
/ 100 · Moderate confidence
Moderate growth -- present but not remarkable
+ Revenue growing 49.4% YoY -- genuine top-line momentum
− EPS declining -5.9% YoY despite any revenue growth
Technical Analyst
bullish
69
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
Risk Analyst
bullish
75
/ 100 · Moderate confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.18) -- balance sheet can absorb a shock
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
74
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.50 across 2 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2974.99)
Investment Thesis Evolution
Committee score moved marginally from 71.1 to 71.1.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- Value Analyst: +1 bullish signal(s).
Comparing 2026-08-18 to 2026-08-19 (1 day apart).
Technical Analysis
RSI (14)
51.2
Neutral
MACD Histogram
-0.052
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.64
Inside Bands
Price vs Moving Averages
EMA 9
$78.52
Below
EMA 21
$77.67
Below
EMA 50
$75.37
Above
EMA 200
$68.76
Above
Fundamental Analysis
Valuation
100
Growth
57
Profitability
67
Financial Health
55
Cash Flow
70
Valuation
P/E Ratio
15.2×
P/B Ratio
1.43×
PEG Ratio
-2.85
Dividend Yield
2.43%
52W High
$80.13
52W Low
$54.05
Quality & Growth
ROE
1089.8%
ROA
137.0%
Gross Margin
7293.3%
Operating Margin
2819.8%
Revenue Growth YoY
—
Debt / Equity
0.42
AI Fundamental Assessment
P/E ratio of 15.2 (inexpensive relative to a 15-40x range); Price-to-book of 1.4x; PEG ratio of -2.9 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 10.9%; Return on assets of 1.4%; Net margin of 21.8%; Gross margin of 72.9%; Current ratio of 0.91 (tight short-term liquidity); Debt-to-equity of 0.42; Free cash flow per share is positive (6.87); Most recent quarter missed estimates by 1.0%; EPS growth roughly steady (+2.0% -> +2.0% QoQ); Average YoY EPS growth of 13.1%; Analyst estimates rising over recent quarters
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