Hancock Whitney Corp (HWC)vsPNC Financial Services Group Inc (PNC)
HWC
Hancock Whitney Corp
$69.38
+0.29%
FINANCIAL SERVICES · Cap: $5.88B
PNC
PNC Financial Services Group Inc
$228.37
+1.59%
FINANCIAL SERVICES · Cap: $88.75B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 1563% more annual revenue ($23.04B vs $1.39B). PNC leads profitability with a 31.3% profit margin vs 29.9%. PNC appears more attractively valued with a PEG of 1.66. PNC earns a higher WallStSmart Score of 75/100 (B).
HWC
Buy55
out of 100
Grade: C-
PNC
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 23.9%
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 36.7%
Large-cap with strong market position
Attractively priced relative to earnings
Generating 1.9B in free cash flow
Areas to Watch
Expensive relative to growth rate
Revenue declined 21.1%
Earnings declined 58.7%
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HWC
The strongest argument for HWC centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 29.9% and operating margin at 23.9%.
Bull Case : PNC
The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.3% and operating margin at 36.7%. Revenue growth of 13.8% demonstrates continued momentum.
Bear Case : HWC
The primary concerns for HWC are PEG Ratio, Revenue Growth, EPS Growth.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
HWC profiles as a declining stock while PNC is a mature play — different risk/reward profiles.
HWC carries more volatility with a beta of 0.98 — expect wider price swings.
PNC is growing revenue faster at 13.8% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (75/100 vs 55/100), backed by strong 31.3% margins and 13.8% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Hancock Whitney Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Hancock Whitney Corporation is the banking holding company for Hancock Whitney Bank offering a range of banking products and services to commercial, small business and retail clients. The company is headquartered in Gulfport, Mississippi.
Visit Website →PNC Financial Services Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
PNC Financial Services Group, Inc. (stylized as PNC) is a bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 21 states and the District of Columbia with 2,296 branches and 9,051 ATMs. The company also provides financial services such as asset management, wealth management, estate planning, loan servicing, and information processing.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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