Hancock Whitney Corporation (HWC) vs Bank OZK (OZK)

Hancock Whitney Corporation and Bank OZK are both Banks Regional companies. Hancock Whitney Corporation and Bank OZK are of similar size ($5.7B and $5.6B). Bank OZK trades at the lower P/E: 8.6× against 14.3×. Hancock Whitney Corporation grew revenue faster over the last twelve months: −0.64% against −2.26%. Bank OZK has the higher net margin (24.1% vs 20.5%) and the higher return on invested capital (8.73% vs 8.54%). Both pay a dividend; Bank OZK yields more (3.71% vs 2.73%). Across the 18 metrics below, Bank OZK leads on 14 and Hancock Whitney Corporation on 4.

Valuation

Metric HWC OZK Banks Regional median
P/E 14.25 8.57 12.02
P/S 2.88 2.05 2.36
P/B 1.36 0.96 1.23
Price to free cash flow 10.27 7.35 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.02% 11.67% 8.21%
Free cash flow yield 9.74% 13.60% 9.23%

Profitability

Metric HWC OZK Banks Regional median
Gross margin 75.22% 63.22% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.53% 24.10% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 9.42% 11.40% 10.28%
Return on assets 1.10% 1.55% 1.13%
Return on invested capital 8.54% 8.73% 8.45%

Growth

Metric HWC OZK Banks Regional median
Revenue growth (TTM) (0.64%) (2.26%) 6.37%
EPS growth (last fiscal year) 7.39% 0.65% 18.85%
Revenue growth, 5-year CAGR 7.89% 18.81% 12.65%
Net income growth, 5-year CAGR 0.00% 19.09% 9.81%

Health

Metric HWC OZK Banks Regional median
Debt to equity 0.05 0.20 0.17
Current ratio 0.80 0.98 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HWC OZK Banks Regional median
Dividend yield 2.73% 3.71% 2.49%
Payout ratio 0.39 0.32 0.29

Size

Metric HWC OZK Banks Regional median
Market cap 5.73b 5.58b 934.85m

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