HWC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price

$66.02

Market Cap

$5.24B

P/E (TTM)

11.2

EPS (TTM)

$5.67

Revenue (TTM)

—

Div Yield

2.9%

ROE

11.0%

Debt/Equity

0.2

52W Range

$53 – $75

HWC Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income —

EPS $5.67

2016-12-31 → 2025-12-31

Free Cash Flow $523M

2016-12-31 → 2025-12-31

Margins 32.1%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric

5Y trend

HWC

Peer Median

P/E (TTM)

11.2

12.7

P/S (TTM)

3.5

2.9

P/B

1.2

1.1

Price / FCF

10.0

—

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric

5Y trend

HWC

Peer Median

Net Profit Margin

32.1%

32.0%

ROA

1.4%

1.2%

ROE

11.0%

10.5%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric

5Y trend

HWC

Peer Median

Debt / Equity

0.2

7.6

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric

5Y trend

HWC

Peer Median

Revenue YoY

4.8%

—

Revenue CAGR 3Y

3.1%

—

Revenue CAGR 5Y

3.6%

—

EPS YoY

7.4%

—

Net Income YoY

5.5%

—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric

5Y trend

HWC

Peer Median

EPS (Diluted)

$5.67

—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric

5Y trend

HWC

Peer Median

Payout Ratio

31.6%

—

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield

2.9%

Payout Ratio

31.6%

5Y Div CAGR

—

Ex-date	Amount
March 5, 2026	$0.5000
Dec. 5, 2025	$0.4500
Sept. 5, 2025	$0.4500
June 5, 2025	$0.4500
March 5, 2025	$0.4500
Dec. 5, 2024	$0.4000
Sept. 5, 2024	$0.4000
June 5, 2024	$0.4000
March 4, 2024	$0.3000
Dec. 4, 2023	$0.3000
Sept. 1, 2023	$0.3000
June 2, 2023	$0.3000
March 3, 2023	$0.3000
Dec. 2, 2022	$0.2700
Sept. 2, 2022	$0.2700
June 3, 2022	$0.2700
March 3, 2022	$0.2700
Dec. 3, 2021	$0.2700
Sept. 3, 2021	$0.2700
June 4, 2021	$0.2700

HWC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 13 analysts

Strong Buy 4 30.8%
Buy 6 46.2%
Hold 3 23.1%
Sell 0 0.0%
Strong Sell 0 0.0%

12-Month Price Target

8 analysts · 2026-05-19

Median $79.50

← Below all targets $66.02

Low $72.00

High $86.00

Median target $79.50 +20.4%

Mean target $78.75 +19.3%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise

0.02%

Period	EPS Actual	EPS Est	Surprise
March 31, 2026	$1.52	$1.51	0.01%
Dec. 31, 2025	$1.49	$1.50	-0.01%
Sept. 30, 2025	$1.49	$1.45	0.04%
June 30, 2025	$1.37	$1.37	-0.00%
March 31, 2025	$1.38	$1.30	0.08%

Peer Comparison Key metrics vs sector peers

Ticker	Market Cap	P/E	Rev YoY	Net Margin	ROE	Gross Margin
HWC	$5.24B	11.2	4.8%	32.1%	11.0%	—
GBCI	$5.73B	22.1	7.5%	236.5%	6.2%	—
UBSI	—	11.7	—	37.5%	8.6%	—
ABCB	—	12.4	5.7%	34.1%	10.3%	—
FLG	$5.24B	-25.2	—	-8.6%	-2.2%	—
OZK	—	—	—	—	—	—
AUB	$5.00B	17.4	68.1%	19.9%	5.6%	—
HOMB	$5.45B	11.5	7.2%	43.6%	11.3%	—
AX	$4.30B	10.2	1.8%	658.0%	16.6%	—
ASB	$4.28B	9.3	-11.1%	31.9%	9.7%	—
FFIN	$4.28B	16.9	14.7%	40.2%	13.9%	—

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 10

Annual Income Statement data for HWC
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Interest Expense	·	·	$523M	$87M	$49M	$115M	$231M	$179M	$108M	$73M	$54M	$38M
Interest Income	$1.61B	$1.69B	$1.62B	$1.14B	$982M	$1.06B	$1.13B	$1.03B	$901M	$732M	$680M	$693M
Pretax Income	$612M	$574M	$490M	$659M	$568M	$-125M	$393M	$382M	$308M	$187M	$170M	$242M
Income Tax	$126M	$113M	$98M	$135M	$105M	$-80M	$65M	$58M	$93M	$38M	$38M	$66M
Net Income	$486M	$461M	$393M	·	·	·	·	·	·	·	$131M	$176M
EPS (Basic)	$5.70	$5.30	$4.51	$6.00	$5.23	$-0.54	$3.72	$3.72	$2.49	$1.87	$1.64	$2.10
EPS (Diluted)	$5.67	$5.28	$4.50	$5.98	$5.22	$-0.54	$3.72	$3.72	$2.48	$1.87	$1.64	$2.10
Shares (Basic)	84,905,000	86,346,000	86,130,000	86,068,000	86,823,000	86,533,000	86,488,000	85,355,000	84,695,000	77,850,000	78,197,000	81,804,000
Shares (Diluted)	85,440,000	86,648,000	86,423,000	86,394,000	87,027,000	86,533,000	86,599,000	85,521,000	84,963,000	77,949,000	78,307,000	82,034,000
EBITDA	$27M	$32M	$35M	$32M	$29M	$30M	$31M	$27M	$28M	$28M	·	·

Balance Sheet 18

Annual Balance Sheet data for HWC
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
PP&E (Net)	$261M	$280M	$302M	$329M	$350M	$381M	$380M	$354M	$334M	$362M	$377M	$398M
PP&E (Gross)	$632M	$626M	$620M	$632M	$630M	$652M	$630M	$580M	$549M	$593M	$587M	$592M
Accum. Depreciation	$371M	$346M	$319M	$303M	$280M	$272M	$250M	$226M	$215M	$231M	$210M	$194M
Goodwill	$925M	$855M	$855M	$855M	$855M	$855M	$855M	$791M	$746M	$621M	$621M	$621M
Intangibles	$67M	$35M	$45M	$56M	$70M	$87M	$107M	$96M	$91M	$88M	$108M	$133M
Total Assets	$35.47B	$35.08B	$35.58B	$35.18B	$36.53B	$33.64B	$30.60B	$28.24B	$27.34B	$23.98B	$22.83B	$20.75B
Short-term Debt	$1.02B	$639M	$1.15B	$1.87B	$1.67B	$1.67B	$2.71B	$1.59B	$1.70B	$1.23B	$1.42B	$1.15B
Deferred Tax	·	·	·	·	$19M	$49M	$38M	·	·	·	·	·
Total Liabilities	$31.01B	$30.95B	$31.77B	$31.84B	$32.86B	$30.20B	$27.13B	$25.15B	$24.45B	$21.26B	$20.42B	$18.27B
Long-term Debt	$199M	$211M	$236M	$242M	$244M	$378M	$233M	$225M	$306M	$436M	$490M	$374M
Total Debt	$1.02B	$639M	$1.15B	$1.87B	$1.67B	$1.67B	$2.71B	$1.59B	$1.70B	$1.23B	$1.42B	$1.15B
Common Stock	·	·	·	·	·	·	·	·	·	·	$258M	$268M
Retained Earnings	$3.04B	$2.70B	$2.38B	$2.09B	$1.66B	$1.29B	$1.48B	$1.24B	$1.01B	$851M	$778M	$723M
Treasury Stock	·	·	·	·	·	·	·	·	·	·	$226M	$158M
AOCI	$-376M	$-606M	$-621M	$-772M	$-54M	$80M	$-55M	$-181M	$-134M	$-121M	$-81M	$-50M
Stockholders' Equity	$4.46B	$4.13B	$3.80B	$3.34B	$3.67B	$3.44B	$3.47B	$3.08B	$2.88B	$2.72B	$2.41B	$2.47B
Liabilities + Equity	$35.47B	$35.08B	$35.58B	$35.18B	$36.53B	$33.64B	$30.60B	$28.24B	$27.34B	$23.98B	$22.83B	$20.75B
Shares Outstanding	82,259,000	86,124,000	86,345,000	85,941,000	86,749,000	86,728,000	87,515,000	85,643,000	85,200,000	84,235,000	77,496,000	80,426,485

Cash Flow 19

Annual Cash Flow data for HWC
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
D&A	$27M	$32M	$35M	$32M	$29M	$30M	$31M	$27M	$28M	$28M	$29M	$30M
Stock-based Comp	$24M	$23M	$25M	$23M	$22M	$21M	$21M	$20M	$18M	$14M	$13M	$14M
Deferred Tax	$23M	$4M	$14M	$-22M	$10M	$-21M	$47M	$45M	$50M	$-8M	$17M	$24M
Amort. of Intangibles	$10M	$9M	$12M	$14M	$17M	$20M	$21M	$22M	$22M	$20M	$24M	$27M
Other Non-cash	$-19M	·	·	·	·	·	·	·	·	·	·	·
Operating Cash Flow	$542M	$626M	$495M	$842M	$586M	$355M	$352M	$449M	$411M	$344M	$236M	$352M
CapEx	$19M	$10M	$25M	$29M	$24M	$38M	$43M	$51M	$20M	$19M	$24M	$20M
Investing Cash Flow	$-314M	$275M	$-295M	$662M	$-3.22B	$-3.18B	$-459M	$-847M	$-895M	$-1.32B	$-2.28B	·
Debt Issued	·	$0	$0	$6M	$22M	$166M	$21M	$21M	$165.0K	$7M	$274M	$21M
Net Debt Issued	·	$0	$0	$5M	$-131M	$166M	$7M	$-70M	$-204M	$-14M	$116M	$-14M
Stock Issued	·	·	·	·	·	·	·	·	·	$259M	·	·
Stock Repurchased	$247M	$38M	$0	$59M	$22M	$13M	$185M	$8M	·	·	$96M	$48M
Net Stock Activity	$-247M	$-38M	$0	$-59M	$-22M	$-13M	$-185M	$-8M	·	$259M	$-96M	$-48M
Dividends Paid	$154M	$131M	$105M	$94M	$96M	$96M	$95M	$89M	$83M	$77M	$77M	$80M
Financing Cash Flow	$-239M	$-887M	$-203M	$-1.34B	$2.51B	$2.92B	$156M	$394M	$498M	$1.05B	$1.99B	·
Net Change in Cash	·	·	·	·	·	·	·	·	$14M	$69M	$-53M	$8M
Taxes Paid	$103M	$66M	$102M	·	·	·	·	·	·	·	$32M	$24M
Free Cash Flow	$523M	$616M	$470M	$813M	$562M	$317M	$309M	$399M	$391M	$321M	$209M	$332M
Levered FCF	·	·	$51M	$744M	$522M	$276M	$117M	$246M	$315M	$263M	$166M	$304M

Profitability 5

Annual Profitability data for HWC
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Net Margin	32.1%	·	·	·	·	·	·	·	·	·	15.2%	19.9%
Pretax Margin	40.4%	39.7%	35.4%	47.7%	43.8%	-9.8%	32.4%	33.7%	29.1%	20.5%	19.7%	27.4%
EBITDA Margin	1.8%	2.2%	2.5%	2.3%	2.2%	2.4%	2.5%	2.3%	2.6%	3.1%	·	·
ROA	1.4%	·	·	·	·	·	·	·	·	·	0.60%	0.88%
ROE	11.0%	·	·	·	·	·	·	·	·	·	5.4%	7.0%

Liquidity & Solvency 1

Annual Liquidity & Solvency data for HWC
Metric	Trend	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Debt / Equity		0.2	0.2	0.3	0.6	0.5	0.5	0.8	0.5	0.6	0.5	0.6	0.5

Efficiency 1

Annual Efficiency data for HWC
Metric	Trend	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Asset Turnover		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0

Per Share 6

Annual Per Share data for HWC
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Book Value / Share	$54.22	$47.93	$44.05	$38.89	$42.31	$39.65	$39.62	$35.98	$33.86	$32.29	$31.14	$30.74
Revenue / Share	$17.73	$16.69	$16.04	$15.99	$14.91	$14.64	$13.99	$13.26	$12.48	$11.67	$11.01	$10.76
Cash Flow / Share	$6.34	$7.22	$5.73	$9.75	$6.73	$4.10	$4.06	$5.25	$4.84	$4.37	$2.97	$4.30
Dividend / Share	$2	$2	$1	$1	·	·	·	·	·	·	$1	$1
Dividend Paid / Share	$2	$2	$1	$1	$1	$1	$1	$1	$1	$1	$1	$1
EPS (TTM)	$5.67	$5.28	$4.50	$5.98	$5.22	$-0.54	$3.72	$3.72	$2.48	$1.87	$1.64	$2.10

Growth Rates 7

Annual Growth Rates data for HWC
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue YoY	4.8%	4.3%	0.33%	6.5%	2.4%	·	·	·	·	·	·	·
Revenue CAGR 3Y	3.1%	3.7%	3.0%	·	·	·	·	·	·	·	·	·
Revenue CAGR 5Y	3.6%	·	·	·	·	·	·	·	·	·	·	·
EPS YoY	7.4%	17.3%	-24.8%	14.6%	·	·	·	·	·	·	·	·
EPS CAGR 3Y	-1.8%	0.38%	·	·	·	·	·	·	·	·	·	·
Net Income YoY	5.5%	17.4%	·	·	·	·	·	·	·	·	·	·
Dividend CAGR 5Y	10.0%	·	·	·	·	·	·	·	·	·	·	·

Valuation (TTM) 13

Annual Valuation (TTM) data for HWC
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue TTM	$1.52B	$1.45B	$1.39B	$1.38B	$1.30B	$1.27B	$1.21B	$1.13B	$1.06B	$910M	$862M	$883M
Net Income TTM	$486M	$461M	$393M	$120M	$120M	$120M	$120M	$120M	$120M	$120M	$131M	$176M
Market Cap	$5.24B	$4.71B	$4.20B	$4.16B	$4.34B	$2.95B	$3.84B	$2.97B	$4.22B	$3.63B	$1.95B	$2.47B
P/E	11.2	10.4	10.8	8.1	9.6	-63.0	11.8	9.3	20.0	23.0	15.3	14.6
P/S	3.5	3.3	3.0	3.0	3.3	2.3	3.2	2.6	4.0	4.0	2.3	2.8
P/B	1.2	1.1	1.1	1.2	1.2	0.9	1.1	1.0	1.5	1.3	0.8	1.0
P / Tangible Book	1.5	1.5	1.4	1.7	1.6	1.2	·	·	·	·	·	·
P / Cash Flow	9.7	7.5	8.5	4.9	7.4	8.3	10.9	6.6	10.3	10.7	8.4	7.0
P / FCF	10.0	7.7	8.9	5.1	7.7	9.3	12.4	7.4	10.8	11.3	9.4	7.4
Dividend Yield	2.9%	2.8%	2.5%	2.3%	2.2%	3.2%	2.5%	3.0%	2.0%	2.1%	4.0%	3.3%
Earnings Yield	8.9%	9.7%	9.3%	12.4%	10.4%	-1.6%	8.5%	10.7%	5.0%	4.3%	6.5%	6.8%
Payout Ratio	31.6%	·	·	·	·	·	·	·	·	·	58.6%	45.8%
Annual Payout	$154M	$131M	$105M	$94M	$96M	$96M	$95M	$89M	$83M	$77M	$77M	$80M

Income Statement 10

Quarterly Income Statement data for HWC
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Interest Expense	·	·	·	·	·	·	·	$157M	$156M	·	$147M	$131M	$88M	·	$19M	$9M
Interest Income	$401M	$408M	$409M	$403M	$395M	$414M	$429M	$428M	$422M	$427M	$416M	$405M	$373M	$346M	$300M	$255M
Pretax Income	$59M	$158M	$160M	$145M	$149M	$151M	$145M	$145M	$133M	$62M	$122M	$147M	$158M	$180M	$171M	$154M
Income Tax	$11M	$33M	$33M	$31M	$30M	$28M	$30M	$30M	$25M	$12M	$24M	$30M	$32M	$36M	$35M	$33M
Net Income	$47M	$126M	$127M	·	$120M	$122M	$116M	·	·	·	·	·	·	·	·	·
EPS (Basic)	$0.58	$1.50	$1.50	$1.32	$1.38	$1.41	$1.33	$1.31	$1.25	$0.59	$1.12	$1.35	$1.45	$1.65	$1.56	$1.39
EPS (Diluted)	$0.57	$1.48	$1.49	$1.32	$1.38	$1.40	$1.33	$1.31	$1.24	$0.58	$1.12	$1.35	$1.45	$1.65	$1.55	$1.38
Shares (Basic)	81,674,000	-171,635,000	84,871,000	85,577,000	86,092,000	-172,919,000	86,234,000	86,510,000	86,521,000	-172,115,000	86,131,000	86,096,000	86,018,000	-172,365,000	85,706,000	86,067,000
Shares (Diluted)	82,261,000	-172,418,000	85,453,000	85,943,000	86,462,000	-173,403,000	86,560,000	86,765,000	86,726,000	-172,666,000	86,437,000	86,370,000	86,282,000	-172,916,000	86,020,000	86,354,000
EBITDA	$6M	·	·	·	$8M	·	·	·	$8M	·	·	·	$9M	·	·	·

Balance Sheet 15

Quarterly Balance Sheet data for HWC
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
PP&E (Net)	$261M	$261M	$260M	$263M	$276M	$280M	$285M	$289M	$296M	·	$310M	$327M	$324M	·	$347M	$352M
PP&E (Gross)	·	$632M	·	·	·	$626M	·	·	·	·	·	·	·	·	·	·
Accum. Depreciation	$372M	$371M	$366M	$360M	$353M	$346M	$341M	$334M	$326M	·	$311M	$310M	$304M	·	$298M	$291M
Goodwill	$925M	$925M	$925M	$925M	$855M	$855M	$855M	$855M	$855M	·	$855M	$855M	$855M	·	$855M	$855M
Intangibles	$65M	$67M	$70M	$72M	$33M	$35M	$37M	$40M	$42M	·	$47M	$50M	$53M	·	$59M	$63M
Total Assets	$35.54B	$35.47B	$35.77B	$35.21B	$34.75B	$35.08B	$35.24B	$35.41B	$35.25B	·	$36.30B	$36.21B	$37.55B	·	$34.57B	$34.64B
Short-term Debt	$1.36B	$1.02B	$1.89B	$1.04B	$543M	$639M	$1.27B	$1.36B	$668M	·	$1.43B	$1.63B	$3.52B	·	$1.54B	$630M
Total Liabilities	$31.12B	$31.01B	$31.29B	$30.85B	$30.47B	$30.95B	$31.06B	$31.49B	$31.39B	·	$32.80B	$32.66B	$34.02B	·	$31.39B	$31.29B
Long-term Debt	$194M	$199M	$211M	$211M	$211M	$211M	$236M	$236M	$236M	·	$236M	$236M	$242M	·	$236M	$240M
Total Debt	$1.36B	·	$1.89B	$1.04B	$543M	·	$1.27B	$1.36B	$668M	·	$1.43B	$1.63B	$3.52B	·	$1.54B	$630M
Retained Earnings	$3.04B	$3.04B	$2.95B	$2.86B	$2.78B	$2.70B	$2.62B	$2.54B	$2.46B	·	$2.35B	$2.28B	$2.19B	·	$1.97B	$1.86B
AOCI	$-325M	$-376M	$-416M	$-470M	$-515M	$-606M	$-475M	$-658M	$-654M	·	$-895M	$-763M	$-687M	$-772M	$-813M	$-527M
Stockholders' Equity	$4.42B	$4.46B	$4.47B	$4.37B	$4.28B	$4.13B	$4.17B	$3.92B	$3.85B	$3.80B	$3.50B	$3.55B	$3.53B	$3.34B	$3.18B	$3.35B
Liabilities + Equity	$35.54B	$35.47B	$35.77B	$35.21B	$34.75B	$35.08B	$35.24B	$35.41B	$35.25B	·	$36.30B	$36.21B	$37.55B	·	$34.57B	$34.64B
Shares Outstanding	81,152,000	82,259,000	84,711,000	85,351,000	86,033,000	86,124,000	86,136,000	86,355,000	86,622,000	·	86,148,000	86,123,000	86,066,000	·	85,686,000	85,714,000

Cash Flow 14

Quarterly Cash Flow data for HWC
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
D&A	$6M	$6M	$6M	$7M	$8M	$8M	$8M	$8M	$8M	$9M	$9M	$9M	$9M	$8M	$8M	$8M
Stock-based Comp	$6M	$6M	$6M	$6M	$6M	$6M	$5M	$6M	$6M	$6M	$6M	$6M	$6M	$6M	$6M	$6M
Deferred Tax	$6M	$7M	$-857.0K	$4M	$13M	$-341.0K	$7M	$93.0K	$-2M	$11M	$-5M	$9M	$-801.0K	$-32M	$-2M	$2M
Amort. of Intangibles	$3M	$3M	$3M	$3M	$2M	$2M	$2M	$2M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$4M
Other Non-cash	$49M	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·
Operating Cash Flow	$114M	$153M	$159M	$126M	$104M	$192M	$162M	$105M	$167M	$93M	$188M	$129M	$86M	$167M	$188M	$206M
CapEx	$6M	$7M	$4M	$4M	$4M	$3M	$4M	$1M	$2M	$453.0K	$6M	$13M	$5M	$7M	$4M	$7M
Investing Cash Flow	$-123M	$334M	$-539M	$-400M	$291M	$-26M	$271M	$-91M	$120M	$856M	$-258M	$1.33B	$-2.22B	$-617M	$-270M	$1.47B
Stock Repurchased	$95M	$147M	$40M	$39M	$21M	$8M	$15M	$15M	$0	·	$0	·	·	$0	$2M	$38M
Net Stock Activity	$-95M	·	·	·	$-21M	·	·	·	·	·	·	·	·	·	·	·
Dividends Paid	$42M	$37M	$38M	$39M	$40M	$35M	$35M	$35M	$27M	$26M	$26M	$26M	$26M	$24M	$24M	$24M
Financing Cash Flow	$1M	$-438M	$382M	$277M	$-460M	$-161M	$-365M	$72M	$-433M	$-929M	$48M	$-1.49B	$2.16B	$425M	$-27M	$-1.68B
Free Cash Flow	$108M	·	·	·	$100M	·	·	·	$164M	·	·	·	$80M	·	·	·
Levered FCF	·	·	·	·	·	·	·	·	$38M	·	·	·	$10M	·	·	·

Profitability 5

Quarterly Profitability data for HWC
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Net Margin	16.2%	·	33.0%	·	·	·	·	·	·	·	·	·	·	·	·	·
Pretax Margin	20.1%	·	41.6%	38.5%	40.9%	·	39.5%	40.3%	37.7%	·	34.4%	41.3%	43.4%	·	46.7%	46.5%
EBITDA Margin	2.1%	·	·	·	2.1%	·	·	·	2.3%	·	·	·	2.3%	·	·	·
ROA	0.13%	·	0.36%	·	·	·	·	·	·	·	·	·	·	·	·	·
ROE	1.1%	·	2.9%	·	·	·	·	·	·	·	·	·	·	·	·	·

Liquidity & Solvency 1

Quarterly Liquidity & Solvency data for HWC
Metric	Trend	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Debt / Equity		0.3	·	0.4	0.2	0.1	·	0.3	0.3	0.2	·	0.4	0.5	1.0	·	0.5	0.2

Efficiency 1

Quarterly Efficiency data for HWC
Metric	Trend	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Asset Turnover		0.0	·	0.0	0.0	0.0	·	0.0	0.0	0.0	·	0.0	0.0	0.0	·	0.0	0.0

Per Share 6

Quarterly Per Share data for HWC
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Book Value / Share	$54.46	·	$52.82	$51.15	$49.73	·	$48.47	$45.40	$44.49	·	$40.64	$41.27	$41.03	·	$37.12	$39.08
Revenue / Share	$3.56	·	$4.51	$4.37	$4.22	·	$4.25	$4.14	$4.08	·	$4.11	$4.13	$4.23	·	$4.25	$3.84
Cash Flow / Share	$1.39	·	·	·	$1.20	·	·	·	$1.92	·	·	·	$1.00	·	·	·
Dividend / Share	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	·	·	·	·	·
Dividend Paid / Share	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
EPS (TTM)	$4.76	·	$5.52	$5.34	$5.26	·	$5.00	$5.02	$5.16	·	$5.47	$5.73	$5.78	·	$5.79	$5.24

Valuation (TTM) 11

Quarterly Valuation (TTM) data for HWC
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Revenue TTM	$1.42B	·	$1.49B	$1.47B	$1.45B	·	$1.44B	$1.43B	$1.43B	·	$1.44B	$1.42B	$1.37B	·	$1.34B	$1.30B
Net Income TTM	·	·	·	·	·	·	·	$120M	$120M	·	$120M	$120M	$120M	·	$120M	$120M
Market Cap	$5.16B	·	$5.30B	$4.90B	$4.51B	·	$4.41B	$4.13B	$3.99B	·	$3.19B	$3.31B	$3.13B	·	$3.93B	$3.80B
P/E	13.4	·	11.3	10.7	10.0	·	10.2	9.5	8.9	·	6.8	6.7	6.3	·	7.9	8.5
P/S	3.6	·	3.6	3.3	3.1	·	3.1	2.9	2.8	·	2.2	2.3	2.3	·	2.9	2.9
P/B	1.2	·	1.2	1.1	1.1	·	1.1	1.1	1.0	·	0.9	0.9	0.9	·	1.2	1.1
P / Tangible Book	1.5	·	1.5	1.5	1.3	·	1.3	1.4	1.3	·	1.2	1.2	1.2	·	1.7	1.6
P / Cash Flow	45.1	·	·	·	43.3	·	·	·	23.9	·	·	·	36.5	·	·	·
P / FCF	47.6	·	·	·	45.0	·	·	·	24.3	·	·	·	39.0	·	·	·
Earnings Yield	7.5%	·	8.8%	9.3%	10.0%	·	9.8%	10.5%	11.2%	·	14.8%	14.9%	15.9%	·	12.6%	11.8%
Payout Ratio	88.7%	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Net Income	$486M	$461M	$393M	—	—
Diluted EPS	$5.67	$5.28	$4.50	$5.98	$5.22

Balance Sheet

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Debt / Equity	0.2	0.2	0.3	0.6	0.5

Cash Flow

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Free Cash Flow	$523M	$616M	$470M	$813M	$562M

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HWC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

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Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

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HWC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

12-Month Price Target

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

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Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Trading Signals Recent buy/sell signals with entry price and risk/reward ratio

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