Hancock Whitney Corp (HWC)vsU.S. Bancorp (USB)
HWC
Hancock Whitney Corp
$69.38
+0.29%
FINANCIAL SERVICES · Cap: $5.88B
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 1824% more annual revenue ($26.65B vs $1.39B). HWC leads profitability with a 29.9% profit margin vs 29.3%. HWC appears more attractively valued with a PEG of 1.76. USB earns a higher WallStSmart Score of 71/100 (B).
HWC
Buy55
out of 100
Grade: C-
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 23.9%
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Expensive relative to growth rate
Revenue declined 21.1%
Earnings declined 58.7%
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HWC
The strongest argument for HWC centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 29.9% and operating margin at 23.9%.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : HWC
The primary concerns for HWC are PEG Ratio, Revenue Growth, EPS Growth.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
HWC profiles as a declining stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
USB is growing revenue faster at 4.6% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (71/100 vs 55/100), backed by strong 29.3% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Hancock Whitney Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Hancock Whitney Corporation is the banking holding company for Hancock Whitney Bank offering a range of banking products and services to commercial, small business and retail clients. The company is headquartered in Gulfport, Mississippi.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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