B

Hancock Whitney Corporation — Earnings Quality Grade B

HWC · Financial Services

Generally healthy

Revenue
$1.5B
2025
Net Income
$486M
2025
Gross Margin
Free Cash Flow
$523M
01

Screening Summary

10
Passed
2
Watch
0
Failed
M-Score

管理层信号

最近 SEC 8-K 文件中未发现 CEO、CFO、董事会或审计负责人变动信号。
02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

DSO 34 days, change -3 days YoY

A2AR vs Revenue Growth

AR growth -3.3% vs revenue growth 4.9%

A3Revenue vs CFFO

Revenue 4.9%, CFFO -13.4%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

!
B2CapEx vs Revenue

CapEx growth 82.9% is >2x revenue growth 4.9%

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 1.11. Profits backed by cash

C2Free Cash Flow

FCF $0.5B, FCF/NI = 1.08

C3Accruals Ratio

Accruals ratio = -0.2%. Low accruals

!
C4Cash vs Debt

Cash $0.7B covers 52% of debt $1.3B

04

Balance Sheet Health

D1Goodwill + Intangibles

Goodwill+Intangibles $1.0B = 22% of equity. Manageable

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

E2Goodwill Surge

Goodwill+Intangibles change 11% YoY. Normal

06

Manipulation Score

F1Beneish M-Score

Insufficient data

Altman Z-Score — Not Applicable

Hancock Whitney Corporation is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25