Hancock WhitneyHWC -0.13%75 ROA % is 0.53% as of Mar. 2026, which is 54% below its 10-year median of 1.14. GuruFocus rates HWC with a GF Score™ of 75/100 and a GF Value™ of $57.21 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,532 Banks companies, Hancock Whitney ranks better than 62.21% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Hancock Whitney's annualizedNet Income for the quarter that ended in Mar. 2026 was $190 Mil.
Hancock Whitney's average Total Assets over the quarter that ended in Mar. 2026 was $35,507 Mil. Therefore, Hancock Whitney's annualized ROA % for the quarter that ended in Mar. 2026 was 0.53%.
The historical rank and industry rank for Hancock Whitney's ROA % or its related term are showing as below:
HWC'
s ROA % Range Over the Past 10 Years
Min: -0.14 Med: 1.14 Max: 1.46
Current: 1.17
During the past 13 years, Hancock Whitney's highest ROA % was 1.46%. The lowest was -0.14%. And the median was 1.14%.
HWC's ROA % is ranked better than 62.21% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs HWC: 1.17
Hancock Whitney (NAS:HWC) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Hancock Whitney ROA % Related Terms
Hancock Whitney ROA % Historical Data
* Premium members only.
The historical data trend for Hancock Whitney's ROA % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Hancock Whitney's ROA %, along with its competitors' market caps and ROA % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Hancock Whitney ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Hancock Whitney's ROA % distribution charts can be found below:
* The bar in red indicates where Hancock Whitney's ROA % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Hancock Whitney (HWC) has a ROA % of 0.53% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Hancock Whitney and its competitors. This is 54% below median its historical median of 1.14. According to the industry distribution chart, Hancock Whitney ranks #579 out of 1532 companies in the Banks industry, placing it in the top 37.8%.
Is Hancock Whitney's ROA % too high?
Hancock Whitney's current ROA % of 0.53% is 54% below median its 10-year median of 1.14. The Banks industry median ROA % is 0.98. Hancock Whitney's value of 0.53% is 45.9% below this industry median. Based on the distribution chart, Hancock Whitney ranks #579 out of 1532 companies in the Banks industry, which is above the industry midpoint. Overall, Hancock Whitney has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hancock Whitney's ROA % compare to AUB and ABCB?
According to the Banks industry distribution chart, Hancock Whitney ranks #579 out of 1532 companies for ROA %. This puts Hancock Whitney in the upper half of its industry. The industry median ROA % is 0.98. Hancock Whitney's value of 0.53% is 45.9% below this benchmark. While the company's 10-year median is 1.14 vs. the industry median of 0.98, Hancock Whitney has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hancock Whitney's current ROA % of 0.53% is 45.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Hancock Whitney and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hancock Whitney's current ROA % is 0.53%, which is 54% below median its own 10-year median of 1.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hancock Whitney stock overvalued right now?
Based on GuruFocus' analysis, Hancock Whitney (HWC) is currently considered Modestly Overvalued. The stock's GF Value™ is $57.21, compared to a current price of $74.34 — trading 29.9% above its estimated fair value. The current ROA % is 0.53%, which is 54% below median its 10-year median of 1.14 and 45.9% below the Banks industry median of 0.98. Hancock Whitney's overall GF Score™ is 75/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Hancock Whitney (HWC), the current ROA % is 0.53% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Hancock Whitney (HWC) Overvalued in 2026?
Based on GuruFocus' analysis, Hancock Whitney stock appears to be overvalued.
The current stock price of $74.34 is trading 29.9% above its estimated GF Value™ of $57.21.
GuruFocus considers Hancock Whitney to be Modestly Overvalued.
Key valuation signals for HWC:
ROA %: 0.53% (54% below median its 10-year median of 1.14)
GF Value™: $57.21 vs. price of $74.34 (29.9% above fair value)
Industry Position: 45.9% below the Banks median (#579 of 1532)
No single metric tells the full story. See the HWC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hancock Whitney Corp operates bank offices and financial centers. The company offers a range of traditional and online banking services to commercial, small business, and retail customers, providing a variety of transaction and savings deposit products, treasury management services, secured and unsecured loan products (including revolving credit facilities), letters of credit, and similar financial guarantees. The Bank provides trust and investment management services to retirement plans, corporations, and individuals and provides its customers access to investment advisory and brokerage products.
75GF Score
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