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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.59
HBHC's Cash to Debt is ranked higher than
68% of the 1274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HBHC: 0.59 )
HBHC' s 10-Year Cash to Debt Range
Min: 0.59   Max: No Debt
Current: 0.59

Equity to Asset 0.13
HBHC's Equity to Asset is ranked higher than
82% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HBHC: 0.13 )
HBHC' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.13
Current: 0.13

0.08
0.13
Interest Coverage 5.20
HBHC's Interest Coverage is ranked higher than
93% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HBHC: 5.20 )
HBHC' s 10-Year Interest Coverage Range
Min: 0.54   Max: 5.2
Current: 5.2

0.54
5.2
F-Score: 6
Z-Score: 0.23
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 23.29
HBHC's Operating margin (%) is ranked higher than
65% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. HBHC: 23.29 )
HBHC' s 10-Year Operating margin (%) Range
Min: 13.03   Max: 45.19
Current: 23.29

13.03
45.19
Net-margin (%) 17.62
HBHC's Net-margin (%) is ranked higher than
67% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.45 vs. HBHC: 17.62 )
HBHC' s 10-Year Net-margin (%) Range
Min: 10.55   Max: 31.01
Current: 17.62

10.55
31.01
ROE (%) 6.74
HBHC's ROE (%) is ranked higher than
68% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.96 vs. HBHC: 6.74 )
HBHC' s 10-Year ROE (%) Range
Min: 3.24   Max: 18.23
Current: 6.74

3.24
18.23
ROA (%) 0.86
HBHC's ROA (%) is ranked higher than
77% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. HBHC: 0.86 )
HBHC' s 10-Year ROA (%) Range
Min: 0.39   Max: 1.71
Current: 0.86

0.39
1.71
ROC (Joel Greenblatt) (%) 45.48
HBHC's ROC (Joel Greenblatt) (%) is ranked higher than
63% of the 1430 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. HBHC: 45.48 )
HBHC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 18.76   Max: 115.59
Current: 45.48

18.76
115.59
Revenue Growth (%) 0.50
HBHC's Revenue Growth (%) is ranked higher than
71% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. HBHC: 0.50 )
HBHC' s 10-Year Revenue Growth (%) Range
Min: -1.3   Max: 11.3
Current: 0.5

-1.3
11.3
EBITDA Growth (%) 16.50
HBHC's EBITDA Growth (%) is ranked higher than
82% of the 1123 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. HBHC: 16.50 )
HBHC' s 10-Year EBITDA Growth (%) Range
Min: -16.5   Max: 16.7
Current: 16.5

-16.5
16.7
EPS Growth (%) 11.00
HBHC's EPS Growth (%) is ranked higher than
75% of the 1105 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 vs. HBHC: 11.00 )
HBHC' s 10-Year EPS Growth (%) Range
Min: -17.3   Max: 22.9
Current: 11

-17.3
22.9
» HBHC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

HBHC Guru Trades in Q1 2013

Paul Tudor Jones 15,200 sh (New)
Jim Simons Sold Out
David Dreman 963,180 sh (-1.05%)
Columbia Wanger 2,974,175 sh (-1.66%)
» More
Q2 2013

HBHC Guru Trades in Q2 2013

Joel Greenblatt 11,202 sh (New)
RS Investment Management 255,266 sh (New)
Paul Tudor Jones Sold Out
David Dreman 886,615 sh (-7.95%)
Columbia Wanger 2,536,862 sh (-14.7%)
» More
Q3 2013

HBHC Guru Trades in Q3 2013

Steven Cohen 10,353 sh (New)
Ken Fisher 330,810 sh (New)
Paul Tudor Jones 7,300 sh (New)
Joel Greenblatt 11,410 sh (+1.86%)
RS Investment Management 255,336 sh (+0.03%)
Columbia Wanger 2,536,862 sh (unchged)
David Dreman 253,635 sh (-71.39%)
» More
Q4 2013

HBHC Guru Trades in Q4 2013

Jim Simons 101,750 sh (New)
Ken Fisher 437,545 sh (+32.26%)
David Dreman 290,120 sh (+14.38%)
Paul Tudor Jones Sold Out
Steven Cohen Sold Out
Columbia Wanger 2,530,944 sh (-0.23%)
RS Investment Management 254,036 sh (-0.51%)
Joel Greenblatt 11,176 sh (-2.05%)
» More
» Details

Insider Trades

Latest Guru Trades with HBHC

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
David Dreman 2013-09-30 Reduce -71.39%0.56%$31.2 - $33.7 $ 35.6410%253635
Joel Greenblatt 2013-06-30 New Buy0.01%$26.76 - $30.07 $ 35.6425%11202
David Dreman 2011-03-31 New Buy0.52%$30.95 - $35.38 $ 35.647%849602
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.80
HBHC's P/E(ttm) is ranked higher than
50% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. HBHC: 18.80 )
HBHC' s 10-Year P/E(ttm) Range
Min: 11.8   Max: 35.37
Current: 18.8

11.8
35.37
P/B 1.21
HBHC's P/B is ranked higher than
56% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HBHC: 1.21 )
HBHC' s 10-Year P/B Range
Min: 0.92   Max: 3.7
Current: 1.21

0.92
3.7
P/S 3.20
HBHC's P/S is ranked higher than
50% of the 1640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. HBHC: 3.20 )
HBHC' s 10-Year P/S Range
Min: 2.28   Max: 5.96
Current: 3.2

2.28
5.96
PFCF 6.74
HBHC's PFCF is ranked higher than
63% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HBHC: 6.74 )
HBHC' s 10-Year PFCF Range
Min: 4.24   Max: 168.59
Current: 6.74

4.24
168.59
EV-to-EBIT 18.42
HBHC's EV-to-EBIT is ranked higher than
55% of the 1410 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.82 vs. HBHC: 18.42 )
HBHC' s 10-Year EV-to-EBIT Range
Min: 3.4   Max: 29.6
Current: 18.42

3.4
29.6
PEG 6.45
HBHC's PEG is ranked lower than
62% of the 849 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. HBHC: 6.45 )
HBHC' s 10-Year PEG Range
Min: 0.94   Max: 19.87
Current: 6.45

0.94
19.87
Shiller P/E 19.28
HBHC's Shiller P/E is ranked higher than
57% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.04 vs. HBHC: 19.28 )
HBHC' s 10-Year Shiller P/E Range
Min: 10.65   Max: 32.29
Current: 19.28

10.65
32.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.70
HBHC's Dividend Yield is ranked higher than
58% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. HBHC: 2.70 )
HBHC' s 10-Year Dividend Yield Range
Min: 1.37   Max: 4.04
Current: 2.7

1.37
4.04
Dividend Payout 0.48
HBHC's Dividend Payout is ranked lower than
51% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. HBHC: 0.48 )
HBHC' s 10-Year Dividend Payout Range
Min: 0.27   Max: 0.84
Current: 0.48

0.27
0.84
Yield on cost (5-Year) 2.70
HBHC's Yield on cost (5-Year) is ranked higher than
53% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. HBHC: 2.70 )
HBHC' s 10-Year Yield on cost (5-Year) Range
Min: 1.37   Max: 4.04
Current: 2.7

1.37
4.04
Share Buyback Rate -30.90
HBHC's Share Buyback Rate is ranked lower than
51% of the 1172 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.60 vs. HBHC: -30.90 )
HBHC' s 10-Year Share Buyback Rate Range
Min: 1.1   Max: -37.5
Current: -30.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.79
HBHC's Price/Tangible Book is ranked lower than
51% of the 1362 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. HBHC: 1.79 )
HBHC' s 10-Year Price/Tangible Book Range
Min: 1.34   Max: 3.55
Current: 1.79

1.34
3.55
Price/DCF (Projected) 0.74
HBHC's Price/DCF (Projected) is ranked higher than
58% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. HBHC: 0.74 )
HBHC' s 10-Year Price/DCF (Projected) Range
Min: 0.55   Max: 1.14
Current: 0.74

0.55
1.14
Price/Median PS Value 0.89
HBHC's Price/Median PS Value is ranked higher than
83% of the 1478 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. HBHC: 0.89 )
HBHC' s 10-Year Price/Median PS Value Range
Min: 0.63   Max: 1.5
Current: 0.89

0.63
1.5
Price/Graham Number 1.20
HBHC's Price/Graham Number is ranked lower than
52% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. HBHC: 1.20 )
HBHC' s 10-Year Price/Graham Number Range
Min: 0.79   Max: 1.74
Current: 1.2

0.79
1.74
Earnings Yield (Greenblatt) 5.40
HBHC's Earnings Yield (Greenblatt) is ranked higher than
61% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. HBHC: 5.40 )
HBHC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.4   Max: 29.1
Current: 5.4

3.4
29.1
Forward Rate of Return (Yacktman) 10.85
HBHC's Forward Rate of Return (Yacktman) is ranked higher than
68% of the 1095 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.48 vs. HBHC: 10.85 )
HBHC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -8.6   Max: 24
Current: 10.85

-8.6
24

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Hancock Holding Company or Hancock, organized in 1984 as a bank holding company registered under the Bank Holding Company Act of 1956. The Company is the parent company of two wholly-owned bank subsidiaries, Hancock Bank, headquartered in Gulfport, Mississippi and Whitney Bank, headquartered in New Orleans, Louisiana. The Banks are community oriented and offer commercial, consumer and mortgage loans and deposit services to individuals and small to middle market businesses in their respective market areas. The Banks' main lending focus is to provide commercial, consumer, commercial leasing and real estate loans to consumers and to small and middle market businesses in their respective market areas. The Company maintains portfolios of securities consisting mainly of U.S. Treasury securities, U.S. government agency issues, agency mortgage-backed securities, agency CMOs and tax-exempt obligations of states and political subdivisions. The portfolios are designed to provide liquidity to fund loan growth and deposit outflows while maximizing interest income within pre-defined risk parameters. The Banks have several programs designed to attract depository accounts offered to consumers and to small and middle market businesses at interest rates generally consistent with market conditions. The Banks, through their respective Trust Departments, offer trust services on a fee basis. In their trust capacities, the Banks provide investment management services on an agency basis and act as trustee for pension plans, profit sharing plans, corporate and municipal bond issues, living trusts, life insurance trusts and other types of trusts created by or for individuals, businesses and charitable and religious organizations. Through its subsidiaries, it engages in the following activities: providing consumer financing services; owning, managing and maintaining certain real property; providing general insurance agency services; holding investment securities; marketing credit life insurance; and providing discount investment brokerage services.

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