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.
FAIL · Does not pass the screen
72.20 USD
Screen close, 2026-09-29 · not a live quote Last reviewed 6 days ago
Screened 2026-09-29 · the tape above runs as of 11:17 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 72.20 against the desk's fair-value range, base estimate 91.00, over the last year.
Positioning no disclosures inside 60 days, left as found
Options no verdict drawn today, left as found
Ethical does not pass the values gate
Price72.20 USD
Fair value91.00
Ethical score30.0/100
Our investment reviews on this name
2026-09-01Read Markdown74.86-3.6% to today ✓
2026-08-01Read Markup77.00-6.2% to today
2026-07-02Read Accumulation72.50-0.4% to today
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Hancock Whitney Corporation holds its Markdown at $72.20. Consolidating, no directional conviction, held for 5 days.
As held on the ledger · 2026-09-29
Phase
Markdown · caution
Quantitative state
Consolidating, no directional conviction, held for 5 days
Price at the screen
$72.20
Valuation
14.16 trailing · 9.88 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.95
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: bank
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: bank
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Hancock Whitney does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-04. It updates when the underlying figures move, and past reads are kept below.
Fair value range in USD, drawn from the 2026-09-29 screen. The gold marker is the market price at the same screen. A 26.0% margin of safety to the base estimate.
Third-party analyst targets: 10 covering, consensus Buy. The average target sits +17% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-29 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Banks trip our ethical line every time
Picture a regional lender taking deposits from Gulf Coast businesses and lending them back out through the same old cycle of loans and fees. Hancock Whitney does exactly that, yet our screen rejects any bank outright on sector grounds alone. That single rule removes the name before the numbers even enter the frame.
The figures do not help the case. Revenue has dropped 21 percent, return on equity sits at just 10 percent, and the forward multiple of 10.7 times offers little cushion once cyclical earnings peaks are considered. Analysts see a modest buy with an $81 median target, yet we record no opportunity once the ethical bar is applied.
The real exposure lies in credit cycles, interest-rate swings, and thin capital buffers that can turn quickly in a downturn. Low multiples on regional banks often signal exactly those traps rather than bargains. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
HWC trades on Nasdaq. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-02Markdown$72.20-3.6%Entry 6
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 3.6% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 7% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 31%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (8 analysts) rates it buy, with a mean price target of $79.
2026-09-01Markdown · changed$74.86-2.8%Entry 5
The framework has shifted from markup to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 2.8% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 7% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 31%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (8 analysts) rates it buy, with a mean price target of $79.
2026-08-01Markup · changed$77.00+6.2%Entry 4
The framework has shifted from accumulation to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 6.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 7% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 31%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (8 analysts) rates it buy, with a mean price target of $79.
2026-07-18Accumulation$72.50+0.0%Entry 3
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 7% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 31%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (8 analysts) rates it buy, with a mean price target of $79.
2026-07-03Accumulation$72.50+0.0%Entry 2
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
2026-07-02Accumulation$72.50Entry 1
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
