F.N.B. Corporation (FNB) vs Hancock Whitney Corporation (HWC)

F.N.B. Corporation and Hancock Whitney Corporation are both Banks Regional companies. F.N.B. Corporation and Hancock Whitney Corporation are of similar size ($6.2B and $5.9B). F.N.B. Corporation trades at the lower P/E: 10.5× against 14.4×. F.N.B. Corporation grew revenue faster over the last twelve months: 3.67% against −3.07%. F.N.B. Corporation has the higher net margin (22.3% vs 21.8%) and the lower return on invested capital (6.93% vs 9.50%). Both pay a dividend; F.N.B. Corporation yields more (3.78% vs 2.88%). Across the 19 metrics below, F.N.B. Corporation leads on 14 and Hancock Whitney Corporation on 5.

Valuation

Metric FNB HWC Banks Regional median
P/E 10.51 14.37 12.15
P/S 2.32 3.05 2.37
P/B 0.92 1.34 1.21
Price to free cash flow 10.12 10.68 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.19 2.59 2.27
Earnings yield 9.52% 6.96% 8.11%
Free cash flow yield 9.88% 9.36% 8.98%

Profitability

Metric FNB HWC Banks Regional median
Gross margin 67.48% 74.95% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.30% 21.83% 18.66%
Free cash flow margin 22.96% 28.56% 21.18%
Return on equity 9.04% 9.71% 10.64%
Return on assets 1.20% 1.20% 1.13%
Return on invested capital 6.93% 9.50% 8.33%

Growth

Metric FNB HWC Banks Regional median
Revenue growth (TTM) 3.67% (3.07%) 6.61%
EPS growth (last fiscal year) 22.83% 7.39% —
Revenue growth, 5-year CAGR 13.61% 7.89% 12.30%
Net income growth, 5-year CAGR 15.24% 0.00% 9.71%

Health

Metric FNB HWC Banks Regional median
Debt to equity 0.29 0.04 0.22
Current ratio 0.92 0.82 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNB HWC Banks Regional median
Dividend yield 3.78% 2.88% 3.75%
Payout ratio 0.31 0.19 0.27

Size

Metric FNB HWC Banks Regional median
Market cap 6.16b 5.89b 921.07m

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