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Intrinsic value of Hancock Whitney Corporation (HWC)

Previous Close$48.22
Intrinsic Value
Upside potential
Previous Close
$48.22
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.
Use floor (the cash flow based valuation has rendered a result, which is lower than an estimated minimum value derived from the company’s balance sheet analysis)

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh41.96 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Hancock Whitney Corporation operates as the bank holding company for Hancock Whitney Bank that provides a range of banking products and services to commercial, small business, and retail customers. The company accepts various deposit products, such as noninterest-bearing demand deposits, interest-bearing transaction accounts, savings accounts, money market deposit accounts, and time deposit accounts. Its loan products include commercial and industrial; commercial real estate; construction and land development; residential mortgages, including fixed and adjustable rate loans; 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. The company also offers investment brokerage services, and annuity and life insurance products; trust and investment management services to retirement plans, corporations, and individuals; and treasury management services, as well as operates and sells foreclosed assets. It operates approximately 217 full service banking and financial services offices and 288 automated teller machines in Gulf south corridor, including south Mississippi; southern and central Alabama; southern, central, and northwest Louisiana; the northern, central, and Panhandle regions of Florida; and east Texas, including Houston, Beaumont, and Dallas, as well as operates a loan production office in Nashville, Tennessee. 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 1883 and is headquartered in Gulfport, Mississippi.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %3.2NaN
Revenue, $1284NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m716NaN
Operating income, $m568NaN
EBITDA, $m664NaN
Interest expense (income), $mNaN
Earnings before tax, $m559NaN
Tax expense, $m105NaN
Net income, $m454NaN

BALANCE SHEET

Cash and short-term investments, $m4232NaN
Total assets, $m36658NaN
Adjusted assets (=assets-cash), $m32426NaN
Average production assets, $m1406NaN
Working capital, $m-6920NaN
Total debt, $m2032NaN
Total liabilities, $m32988NaN
Total equity, $m3670NaN
Debt-to-equity ratio0.554NaN
Adjusted equity ratio0.035NaN

CASH FLOW

Net income, $m454NaN
Depreciation, amort., depletion, $m96NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m545NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-24NaN
Free cash flow, $m568NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-6920
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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