Hancock Whitney (NASDAQ:HWC) versus Bankinter (OTCMKTS:BKNIY) Financial Contrast

Bankinter (OTCMKTS:BKNIY) and Hancock Whitney (NASDAQ:HWC) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their risk, dividends, profitability, earnings, analyst recommendations, valuation and institutional ownership.

Profitability

This table compares Bankinter and Hancock Whitney’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bankinter	24.27%	18.20%	0.90%
Hancock Whitney	21.81%	11.36%	1.41%

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Bankinter and Hancock Whitney, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bankinter	1	3	2	0	2.17
Hancock Whitney	0	3	7	1	2.82

Hancock Whitney has a consensus price target of $83.78, suggesting a potential upside of 10.47%. Given Hancock Whitney’s stronger consensus rating and higher possible upside, analysts plainly believe Hancock Whitney is more favorable than Bankinter.

Valuation and Earnings

This table compares Bankinter and Hancock Whitney”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bankinter	$5.27 billion	3.37	$1.23 billion	$1.46	13.52
Hancock Whitney	$2.02 billion	3.01	$486.07 million	$5.10	14.87

Bankinter has higher revenue and earnings than Hancock Whitney. Bankinter is trading at a lower price-to-earnings ratio than Hancock Whitney, indicating that it is currently the more affordable of the two stocks.

Volatility & Risk

Bankinter has a beta of -0.18, meaning that its share price is 118% less volatile than the S&P 500. Comparatively, Hancock Whitney has a beta of 0.94, meaning that its share price is 6% less volatile than the S&P 500.

Dividends

Bankinter pays an annual dividend of $0.45 per share and has a dividend yield of 2.3%. Hancock Whitney pays an annual dividend of $2.00 per share and has a dividend yield of 2.6%. Bankinter pays out 30.8% of its earnings in the form of a dividend. Hancock Whitney pays out 39.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Hancock Whitney has raised its dividend for 3 consecutive years. Hancock Whitney is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Insider & Institutional Ownership

81.2% of Hancock Whitney shares are owned by institutional investors. 0.9% of Hancock Whitney shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

Hancock Whitney beats Bankinter on 12 of the 18 factors compared between the two stocks.

About Bankinter

Bankinter, S.A. provides various banking products and services to individuals and corporate customers, and small- and medium-sized enterprises in Spain. It offers payroll, pension, business, salary, non-salary, youth salary, current, currency, professional, basic, and management accounts; deposit products; and mortgages and loan products, as well as financing services. The company also provides saving and investment products, including profiled funds, sustainable investment funds, other managers funds, pension funds, and themed funds, as well as funds for beginners; regular investment plans; and advisory, customized investment, wealth management, and alternative investment products and services. In addition, it offers accident, home, life, funeral, health, mortgage payment protection, property, personal, and motor insurance products, as well as business insurance products. Further, the company provides various services, such as estate administration, switch, asset management, accounts management, and transfer services, as well as real estate and brokerage services. Additionally, it offers retail, personal, private, commercial, and corporate banking products, as well as remote banking services. The company was formerly known as Banco Intercontinental Español, S.A. and changed its name to Bankinter, S.A. in July 1990. Bankinter, S.A. was incorporated in 1965 and is based in Madrid, Spain.

About Hancock Whitney

Hancock Whitney Corporation operates as the financial holding company for Hancock Whitney Bank that provides traditional and online banking services to commercial, small business, and retail customers. It offers various transaction and savings deposit products consisting of brokered deposits, time deposits, and money market accounts; treasury management services, secured and unsecured loan products including revolving credit facilities, and letters of credit and similar financial guarantees; and trust and investment management services to retirement plans, corporations, and individuals, and investment advisory and brokerage products. The company also provides commercial and industrial loans including real and non-real estate loans; construction and land development loans; and residential mortgages, as well as consumer loans. In addition, it offers commercial finance products to middle market and corporate clients, including leases and related structures; facilitates investments in new market tax credit activities and holding certain foreclosed assets; provides customers access to fixed annuity and life insurance products; and underwriting transactions products, as well as debt and mortgage-related securities. The company was founded in 1899 and is headquartered in Gulfport, Mississippi.