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HWC

Hancock WhitneyB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
The Q2 print showed strong organic loan and deposit growth, improving profitability, stable credit metrics, and robust ACL coverage. Post-print analyst actions were mixed but generally supportive: Benchmark raised its target from $84 to $91 while maintaining Buy, KBW raised $78 to $80 while maintaining Market Perform, and Stephens trimmed $86 to $85 while maintaining Overweight.
Posture
Constructive
Lead driver
Sentiment
What changed
3 setup hits (3d) with net bullish as of 2026-09-07.
What can break
Competitive loan pricing may constrain yields and operating leverage.
Momentum
47
Value
64
Sentiment
69
Setup hits (3d)
3 · Net Bullish
AI TargetsBase $82.30 · Bull $90.00 · Bear $67.00Analysis 2026-07-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-24 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $82.45
Why
Momentum47 · Δ7d -2.0
Value64 · Δ7d +8.3
Sentiment69 · Δ7d +4.4
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • 3 setup hits (3d) with net bullish as of 2026-09-07.
  • • Sentiment remains the lead driver in the composite, 7D delta +4.4.

Contradictions & invalidation

  • • Competitive loan pricing may constrain yields and operating leverage.
  • • Credit quality could deteriorate if loan growth weakens or criticized and nonaccrual loans rise.
  • • EPS was in line rather than a clear beat, NIM expansion was modest, and the stock fell 8.66% after hours.

Catalyst clock

2026-07-21

Q2 earnings met consensus but triggered a sharp negative market reaction

Lead driver: Sentiment · See AI snapshot
Momentum
47
9% active weight
Current posture
7d trendFlat
Δ7d
-2.0
Δ21d
-14.3
Value
64
28% active weight
Current posture
7d trendImproving
Δ7d
+8.3
Δ21d
+8.3
Sentiment
69
62% active weight
Current posture
7d trendImproving
Δ7d
+4.4
Δ21d
+8.6
Why this grade

Composite grade B. Momentum 46.7 / Value 63.9 / Sentiment 69.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-24. Scenario method

B+
Bull case
25%
Probability
Target price
$90.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$82.30
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$67.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$6.32B
Beta
1.06
Shares Out
80.22M
P/E (TTM)
11.9
P/S (TTM)
3.72
P/FCF (TTM)
13.38
Rev YoY
+4.4%
EPS YoY
+18.1%
Gross Margin
-
Op Margin
+27.4%
Net Debt
$775.21M
Current Ratio
0.11
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data