FNB vs Hancock Whitney
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KIRAβs take AI analyst
I put FNB and Hancock Whitney side by side, using each oneβs latest annual report. Here is what stands out:
- FNB is the larger business, with $1.8B of revenue in fiscal 2025 against $1.5B for Hancock Whitney.
- FNB grew revenue faster (10.6%, against 4.8%).
- Investors pay more for each dollar of Hancock Whitneyβs earnings: a P/E of 14.4x against 10.8x for FNB.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
FNB
FNB
2/5
Revenue growth5-year growth
Hancock Whitney
HWC
3/5
Net marginReturn on equityShare count change
Side by side
Best in the row
| Latest fiscal year | FNB FY25 | HWC FY25 |
|---|---|---|
| Size | ||
| Market cap | $6.6B | $6.3B |
| Revenue | $1.8B | $1.5B |
| Free cash flow | β | β |
| Net income | $565M | $486M |
| Growth | ||
| Revenue growth | 10.6% | 4.8% |
| 5-year growth | 7.7% | 3.6% |
| Share count change | β0.2% | β1.4% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 32.0% | 32.1% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 8.7% | 11.3% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $224M | $401M |
| Valuation & quality | ||
| P/E | 10.8x | 14.4x |
| Piotroski F-score | β | β |
Ten years
Revenue
FY16
FNB $813M
HWC $910M
FY17
FNB $1.1B
HWC $1.1B
FY18
FNB $1.2B
HWC $1.1B
FY19
FNB $1.2B
HWC $1.2B
FY20
FNB $1.2B
HWC $1.3B
FY21
FNB $1.2B
HWC $1.3B
FY22
FNB $1.4B
HWC $1.4B
FY23
FNB $1.6B
HWC $1.4B
FY24
FNB $1.6B
HWC $1.4B
FY25
FNB $1.8B
HWC $1.5B
FNB
HWC
Operating margin
FY16
FNB β
HWC β
FY17
FNB β
HWC β
FY18
FNB β
HWC β
FY19
FNB β
HWC β
FY20
FNB β
HWC β
FY21
FNB β
HWC β
FY22
FNB β
HWC β
FY23
FNB β
HWC β
FY24
FNB β
HWC β
FY25
FNB β
HWC β
FNB
HWC
Free cash flow
FY16
FNB β
HWC β
FY17
FNB β
HWC β
FY18
FNB β
HWC β
FY19
FNB β
HWC β
FY20
FNB β
HWC β
FY21
FNB β
HWC β
FY22
FNB β
HWC β
FY23
FNB β
HWC β
FY24
FNB β
HWC β
FY25
FNB β
HWC β
FNB
HWC
Return on capital
FY16
FNB β
HWC β
FY17
FNB β
HWC β
FY18
FNB β
HWC β
FY19
FNB β
HWC β
FY20
FNB β
HWC β
FY21
FNB β
HWC β
FY22
FNB β
HWC β
FY23
FNB β
HWC β
FY24
FNB β
HWC β
FY25
FNB β
HWC β
FNB
HWC
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.