No connection

Search Results

AX vs HWC

AX
Axos Financial, Inc.
NEUTRAL
Price
$91.75
Market Cap
$5.2B
Sector
Financial Services
AI Confidence
65%
HWC
Hancock Whitney Corporation
BULLISH
Price
$67.23
Market Cap
$5.49B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
AX
12.94
HWC
11.86
Forward P/E
AX
9.93
HWC
9.95
P/B Ratio
AX
1.86
HWC
1.24
P/S Ratio
AX
4.32
HWC
3.76
EV/EBITDA
AX
--
HWC
--

Profitability

Gross Margin
AX
0.0%
HWC
0.0%
Operating Margin
AX
50.8%
HWC
45.53%
Profit Margin
AX
36.0%
HWC
33.3%
ROE
AX
16.65%
HWC
11.32%
ROA
AX
1.7%
HWC
1.38%

Growth

Revenue Growth
AX
-0.2%
HWC
6.8%
Earnings Growth
AX
0.5%
HWC
7.3%

Financial Health

Debt/Equity
AX
--
HWC
--
Current Ratio
AX
--
HWC
--
Quick Ratio
AX
--
HWC
--

Dividends

Dividend Yield
AX
--
HWC
2.75%
Payout Ratio
AX
0.0%
HWC
31.75%

AI Verdict

AX NEUTRAL

The Advanced Deterministic Scorecard reveals a mixed financial profile: the Piotroski F-Score of 4/9 indicates borderline stable financial health, while the absence of an Altman Z-Score limits distress risk assessment. Despite strong profitability metrics like a 50.8% operating margin and consistent earnings beats, weak revenue growth and lack of key financial data constrain confidence. The stock trades above the Graham Number of $88.69 at $91.75, implying a slight premium, but remains below the analyst target of $103.25. Bearish insider activity and a weak technical trend offset solid historical performance and favorable sector-relative valuation.

Strengths
Consistently beats earnings estimates with an 88% beat rate over the last four quarters and strong average surprise of 7.2%
Exceptional operating profitability: 50.8% operating margin and 36.0% profit margin significantly outperform sector averages
Attractive valuation relative to peers: P/E of 12.94 vs sector average of 20.94
Risks
Low Piotroski F-Score of 4/9 suggests weak financial health and limited operational resilience
Revenue growth is nearly flat YoY (-0.20%), indicating stagnation in top-line expansion
Missing key financial data (Debt/Equity, Altman Z-Score, cash/debt levels) creates uncertainty in financial health and leverage risk
HWC BULLISH

HWC presents a compelling value opportunity, trading significantly below both its Graham Number ($83.17) and Intrinsic Value ($101.78). The Piotroski F-Score of 4/9 indicates stable financial health, providing a baseline of stability despite not being in the 'strong' category. While bearish technical trends and recent insider selling by the CEO create short-term psychological headwinds, the fundamental valuation gap and sustainable dividend profile offer a substantial margin of safety.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Attractive valuation multiples with a P/E of 11.86 and Forward P/E of 9.95
Sustainable dividend profile with a low payout ratio of 31.75%
Risks
Bearish insider sentiment, specifically significant selling by the CEO
Negative technical trend (0/100 score) suggesting short-term momentum weakness
Recent decline in earnings beat consistency (only 1 of last 4 quarters)

Compare Another Pair

AX vs HWC: Head-to-Head Comparison

This page compares Axos Financial, Inc. (AX) and Hancock Whitney Corporation (HWC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

Home
Terminal
AI
Markets
Profile