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Hancock Whitney Corporation (HWC) vs United Bankshares, Inc. (UBSI)

Hancock Whitney Corporation and United Bankshares, Inc. are both Banks Regional companies. Hancock Whitney Corporation and United Bankshares, Inc. are of similar size ($6.4B and $5.9B). United Bankshares, Inc. trades at the lower P/E: 12.7× against 14.2×. United Bankshares, Inc. grew revenue faster over the last twelve months: 7.97% against −3.07%. United Bankshares, Inc. has the higher net margin (28.0% vs 21.8%) and the higher return on invested capital (10.2% vs 9.50%). Both pay a dividend; United Bankshares, Inc. yields more (3.26% vs 2.67%). Across the 19 metrics below, United Bankshares, Inc. leads on 13 and Hancock Whitney Corporation on 6.

Valuation

Metric HWC UBSI Banks Regional median
P/E 14.22 12.69 11.98
P/S 3.02 3.50 2.34
P/B 1.33 1.17 1.19
Price to free cash flow 10.57 11.77 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.03% 7.88% 8.23%
Free cash flow yield 9.46% 8.50% 9.08%

Profitability

Metric HWC UBSI Banks Regional median
Gross margin 74.95% 69.61% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.83% 27.97% 18.66%
Free cash flow margin 28.56% 29.05% 21.11%
Return on equity 9.71% 9.47% 10.65%
Return on assets 1.20% 1.55% 1.13%
Return on invested capital 9.50% 10.17% 8.35%

Growth

Metric HWC UBSI Banks Regional median
Revenue growth (TTM) (3.07%) 7.97% 6.98%
EPS growth (last fiscal year) 7.39% 18.91% 18.88%
Revenue growth, 5-year CAGR 7.89% 9.57% 12.38%
Net income growth, 5-year CAGR 0.00% 9.96% 9.71%

Health

Metric HWC UBSI Banks Regional median
Debt to equity 0.04 0.10 0.22
Current ratio 0.82 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HWC UBSI Banks Regional median
Dividend yield 2.67% 3.26% 2.57%
Payout ratio 0.38 0.41 0.30

Size

Metric HWC UBSI Banks Regional median
Market cap 5.86b 6.35b 913.33m

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