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HWC vs UBSI

HWC
Hancock Whitney Corporation
BULLISH
Price
$69.35
Market Cap
$5.66B
Sector
Financial Services
AI Confidence
80%
UBSI
United Bankshares, Inc.
BULLISH
Price
$43.61
Market Cap
$6.09B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
HWC
12.23
UBSI
13.34
Forward P/E
HWC
10.26
UBSI
11.63
P/B Ratio
HWC
1.28
UBSI
1.11
P/S Ratio
HWC
3.88
UBSI
5.07
EV/EBITDA
HWC
--
UBSI
--

Profitability

Gross Margin
HWC
0.0%
UBSI
0.0%
Operating Margin
HWC
45.53%
UBSI
56.45%
Profit Margin
HWC
33.3%
UBSI
38.65%
ROE
HWC
11.32%
UBSI
8.86%
ROA
HWC
1.38%
UBSI
1.46%

Growth

Revenue Growth
HWC
6.8%
UBSI
29.4%
Earnings Growth
HWC
7.3%
UBSI
32.0%

Financial Health

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

Dividends

Dividend Yield
HWC
2.69%
UBSI
3.44%
Payout Ratio
HWC
31.75%
UBSI
45.57%

AI Verdict

HWC BULLISH

HWC presents a compelling value opportunity, trading significantly below both its Graham Number ($83.17) and Intrinsic Value ($101.78). While the Piotroski F-Score of 4/9 indicates stable but mediocre financial health, the company maintains a very sustainable dividend payout ratio of 31.75% and a low P/E of 12.23. Despite bearish insider activity and a weak technical trend, the fundamental valuation gap and positive analyst consensus suggest a strong margin of safety.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Low P/E ratio (12.23) compared to sector averages
Highly sustainable dividend payout ratio (31.75%)
Risks
Bearish insider sentiment, specifically significant selling by the CEO
Weak technical trend (10/100) indicating short-term momentum loss
Declining earnings beat rate (only 1 of the last 4 quarters beat estimates)
UBSI BULLISH

UBSI presents a compelling value opportunity, trading significantly below both its Graham Number ($53.83) and Intrinsic Value ($96.47). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company exhibits powerful growth metrics with YoY revenue and earnings growth exceeding 29%. Despite a very bearish technical trend (10/100), the fundamental disconnect between the current price ($43.61) and its valuation benchmarks suggests a strong margin of safety.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong YoY growth in both revenue (29.40%) and earnings (32.00%)
Consistent track record of earnings beats over the last 25 quarters
Risks
Extremely bearish technical trend (10/100) indicating strong short-term selling pressure
Moderate Piotroski F-Score (4/9) suggests room for improvement in operational efficiency
Neutral insider sentiment with zero buy/sell activity in the last 6 months

Compare Another Pair

HWC vs UBSI: Head-to-Head Comparison

This page compares Hancock Whitney Corporation (HWC) and United Bankshares, Inc. (UBSI) 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.

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