United Bankshares vs Hancock Whitney

This page compares United Bankshares and Hancock Whitney Corporation, examining their business models, financial performance, and market context in a clear, neutral way. It highlights how each organisation approaches customers, growth, and risk, providing context to help readers understand the landscape without personalised guidance. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

UBSI

Metric

HWC

$5.68B

Market Cap

$5.65B

-4.39%

Potential Profit

0.92%

Hold

Analyst Rating

Buy

Investment Analysis

United Bankshares

UBSI

Pros

United Bankshares reported record earnings for the third quarter of 2025, reflecting strong profitability and organic growth.
The company achieved annualized returns on average assets, equity, and tangible equity above industry averages, indicating efficient capital use.
Recent acquisition activity has expanded United Bankshares' balance sheet and income base, supporting future growth prospects.

Considerations

Earnings growth is partly driven by acquisitions, which may introduce integration risks and increased expenses.
Regional banks like United Bankshares face ongoing pressure from fintech competition and deposit outflows to higher-yielding alternatives.
Commercial real estate exposure and regulatory compliance costs remain potential headwinds for future performance.

Hancock Whitney

HWC

Pros

Hancock Whitney maintains a strong financial health profile with robust capital ratios and stable asset quality.
The company offers a diversified suite of banking services across commercial, small business, and retail segments.
Hancock Whitney has demonstrated consistent dividend payments, reflecting shareholder-friendly capital management.

Considerations

Future growth prospects are rated as limited, with modest expectations for revenue expansion in the near term.
The bank operates in a competitive regional landscape, facing pressure on net interest margins from rate volatility.
Economic slowdowns or credit deterioration could impact loan performance and profitability.

About The Companies

United Bankshares (UBSI)

United Bankshares, Inc. (UBSI) is a financial holding company operating primarily through its subsidiary, United Bank. It is a significant player in the community banking space, offering a comprehensive suite of financial services to individuals and businesses. These services include standard deposit accounts, personal and commercial loans, real estate and construction lending, and brokerage and trust services. With a network of over 240 locations, the bank has a substantial presence across several US states, including Virginia, Maryland, and the Carolinas. For investors, UBSI represents a regional banking institution with diversified revenue streams. However, like any financial stock, its performance can be influenced by economic cycles, interest rate changes, and regulatory shifts. It's important to remember that past performance is not indicative of future returns, and the value of investments can go down as well as up.

Hancock Whitney (HWC)

Hancock Whitney Corporation is a bank holding company that delivers a wide array of financial services through its main subsidiary, Hancock Whitney Bank. It serves a diverse client base, including commercial entities, small businesses, and individual retail customers. The bank's offerings include traditional banking products like transaction and savings accounts, treasury management services, and various types of loans. Beyond standard banking, Hancock Whitney provides trust and investment management services for retirement plans, corporations, and private individuals, giving customers access to investment advisory and brokerage products. It aims to be a comprehensive financial partner for its clients, offering a blend of traditional and online services. As with any financial institution, its performance can be influenced by economic conditions, interest rates, and regulatory changes. Potential investors should consider that the value of shares can go down as well as up.

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Comparison Snapshot