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HWC

Hancock WhitneyB
Nasdaq / Banks
Last Price
At close
2026-07-18
View Chart
Current thesis
The constructive case is that HWC enters 2026 with strong capital, a still-solid Gulf South deposit franchise, stable deposit balances, and a self-help securities repositioning that management says should lift annual NII and NIM after the first-quarter charge. If the April 21 print shows the earnings hit is contained and the margin benefit is already visible, valuation can move closer to the roughly $77.3 median target.
Posture
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-07-21 · AMC.
What can break
Credit conditions remain a live risk; the 2025 10-K shows net charge-offs of 0.22% of average loans and ACL assumptions that still gave a 50% weight to a downside mild-recession scenario.
Momentum
64
Value
55
Sentiment
46
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $73.00 · Bull $80.00 · Bear $60.00
Earnings
2026-07-21 · AMC
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-21 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $79.55
Why
Momentum64 · Δ7d +0.5
Value55 · Δ7d -1.3
Sentiment46 · Δ7d -6.6
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
64
26% active weight
Current posture
7d trendImproving
Δ7d
+0.5
Δ21d
+3.9
Value
55
39% active weight
Current posture
7d trendSoftening
Δ7d
-1.3
Δ21d
-2.5
Sentiment
46
34% active weight
Current posture
7d trendSoftening
Δ7d
-6.6
Δ21d
-6.5
Why this grade

Composite grade B. Momentum 64.1 / Value 54.8 / Sentiment 46.4

Fundamentals (TTM)
As of 2026-07-17
Market Cap
$6.37B
Beta
1.06
Shares Out
81.16M
P/E (TTM)
11.9
P/S (TTM)
3.72
P/FCF (TTM)
13.38
Rev YoY
-16.7%
EPS YoY
-58.2%
Gross Margin
-
Op Margin
+40.6%
Net Debt
$775.21M
Current Ratio
0.08
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology