Logo image of HBAN

HUNTINGTON BANCSHARES INC (HBAN) Stock Fundamental Analysis

USA - NASDAQ:HBAN - US4461501045 - Common Stock

17.77 USD
+0.03 (+0.17%)
Last: 9/12/2025, 8:00:01 PM
17.76 USD
-0.01 (-0.06%)
After Hours: 9/12/2025, 8:00:01 PM
Fundamental Rating

3

Overall HBAN gets a fundamental rating of 3 out of 10. We evaluated HBAN against 392 industry peers in the Banks industry. While HBAN is still in line with the averages on profitability rating, there are concerns on its financial health. HBAN is not valued too expensively and it also shows a decent growth rate. HBAN also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

In the past year HBAN was profitable.
HBAN had a positive operating cash flow in the past year.
HBAN had positive earnings in each of the past 5 years.
In the past 5 years HBAN always reported a positive cash flow from operatings.
HBAN Yearly Net Income VS EBIT VS OCF VS FCFHBAN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

1.2 Ratios

The Return On Assets of HBAN (0.96%) is better than 60.20% of its industry peers.
HBAN has a Return On Equity of 9.50%. This is in the better half of the industry: HBAN outperforms 61.48% of its industry peers.
Industry RankSector Rank
ROA 0.96%
ROE 9.5%
ROIC N/A
ROA(3y)1%
ROA(5y)0.85%
ROE(3y)10.17%
ROE(5y)8.4%
ROIC(3y)N/A
ROIC(5y)N/A
HBAN Yearly ROA, ROE, ROICHBAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

HBAN's Profit Margin of 25.89% is fine compared to the rest of the industry. HBAN outperforms 63.78% of its industry peers.
HBAN's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for HBAN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.89%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.21%
PM growth 5Y-3.17%
GM growth 3YN/A
GM growth 5YN/A
HBAN Yearly Profit, Operating, Gross MarginsHBAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

More info and screens

0

2. Health

2.1 Basic Checks

HBAN does not have a ROIC to compare to the WACC, probably because it is not profitable.
HBAN has more shares outstanding than it did 1 year ago.
The number of shares outstanding for HBAN has been increased compared to 5 years ago.
HBAN has a worse debt/assets ratio than last year.
HBAN Yearly Shares OutstandingHBAN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B
HBAN Yearly Total Debt VS Total AssetsHBAN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

2.2 Solvency

HBAN has a debt to FCF ratio of 6.88. This is a slightly negative value and a sign of low solvency as HBAN would need 6.88 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.88, HBAN is doing worse than 71.43% of the companies in the same industry.
A Debt/Equity ratio of 0.64 indicates that HBAN is somewhat dependend on debt financing.
The Debt to Equity ratio of HBAN (0.64) is worse than 79.08% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF 6.88
Altman-Z N/A
ROIC/WACCN/A
WACC15.15%
HBAN Yearly LT Debt VS Equity VS FCFHBAN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HBAN Yearly Current Assets VS Current LiabilitesHBAN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

More info and screens

4

3. Growth

3.1 Past

HBAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.87%, which is quite good.
HBAN shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.32% yearly.
Looking at the last year, HBAN shows a small growth in Revenue. The Revenue has grown by 7.35% in the last year.
HBAN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.61% yearly.
EPS 1Y (TTM)8.87%
EPS 3Y-1.55%
EPS 5Y-0.32%
EPS Q2Q%13.33%
Revenue 1Y (TTM)7.35%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%7.6%

3.2 Future

Based on estimates for the next years, HBAN will show a small growth in Earnings Per Share. The EPS will grow by 5.35% on average per year.
Based on estimates for the next years, HBAN will show a small growth in Revenue. The Revenue will grow by 4.41% on average per year.
EPS Next Y16.92%
EPS Next 2Y13.14%
EPS Next 3Y12.05%
EPS Next 5Y5.35%
Revenue Next Year9.55%
Revenue Next 2Y8.97%
Revenue Next 3Y7.4%
Revenue Next 5Y4.41%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
HBAN Yearly Revenue VS EstimatesHBAN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2B 4B 6B 8B 10B
HBAN Yearly EPS VS EstimatesHBAN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 0.5 1 1.5

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

HBAN is valuated correctly with a Price/Earnings ratio of 13.16.
Compared to the rest of the industry, the Price/Earnings ratio of HBAN is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.30, HBAN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.11, the valuation of HBAN can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HBAN is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.73, HBAN is valued rather cheaply.
Industry RankSector Rank
PE 13.16
Fwd PE 11.11
HBAN Price Earnings VS Forward Price EarningsHBAN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as HBAN.
Industry RankSector Rank
P/FCF 13.45
EV/EBITDA N/A
HBAN Per share dataHBAN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
HBAN's earnings are expected to grow with 12.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.78
PEG (5Y)N/A
EPS Next 2Y13.14%
EPS Next 3Y12.05%

More info and screens

8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.61%, HBAN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.65, HBAN pays a better dividend. On top of this HBAN pays more dividend than 90.05% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, HBAN pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.61%

5.2 History

The dividend of HBAN has a limited annual growth rate of 2.11%.
HBAN has paid a dividend for at least 10 years, which is a reliable track record.
HBAN has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.11%
Div Incr Years0
Div Non Decr Years15
HBAN Yearly Dividends per shareHBAN Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

51.86% of the earnings are spent on dividend by HBAN. This is a bit on the high side, but may be sustainable.
HBAN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP51.86%
EPS Next 2Y13.14%
EPS Next 3Y12.05%
HBAN Yearly Income VS Free CF VS DividendHBAN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
HBAN Dividend Payout.HBAN Dividend Payout, showing the Payout Ratio.HBAN Dividend Payout.PayoutRetained Earnings

More info and screens

HUNTINGTON BANCSHARES INC

NASDAQ:HBAN (9/12/2025, 8:00:01 PM)

After market: 17.76 -0.01 (-0.06%)

17.77

+0.03 (+0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-18 2025-07-18/bmo
Earnings (Next)10-17 2025-10-17/bmo
Inst Owners88.2%
Inst Owner Change-4.63%
Ins Owners0.99%
Ins Owner Change-1.19%
Market Cap26.05B
Analysts82.22
Price Target20 (12.55%)
Short Float %5.79%
Short Ratio2.65
Dividend
Industry RankSector Rank
Dividend Yield 6.61%
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP51.86%
Div Incr Years0
Div Non Decr Years15
Ex-Date09-17 2025-09-17 (0.155)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.04%
Min EPS beat(2)-2.65%
Max EPS beat(2)6.72%
EPS beat(4)3
Avg EPS beat(4)4.8%
Min EPS beat(4)-2.65%
Max EPS beat(4)8.31%
EPS beat(8)7
Avg EPS beat(8)6.82%
EPS beat(12)10
Avg EPS beat(12)5.03%
EPS beat(16)11
Avg EPS beat(16)0.06%
Revenue beat(2)1
Avg Revenue beat(2)-1.25%
Min Revenue beat(2)-3.12%
Max Revenue beat(2)0.62%
Revenue beat(4)2
Avg Revenue beat(4)-0.24%
Min Revenue beat(4)-3.12%
Max Revenue beat(4)2.18%
Revenue beat(8)3
Avg Revenue beat(8)-0.7%
Revenue beat(12)4
Avg Revenue beat(12)-0.66%
Revenue beat(16)5
Avg Revenue beat(16)-0.96%
PT rev (1m)0.28%
PT rev (3m)9.56%
EPS NQ rev (1m)-0.37%
EPS NQ rev (3m)0.49%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)0.13%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)1.37%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)1.01%
Valuation
Industry RankSector Rank
PE 13.16
Fwd PE 11.11
P/S 3.39
P/FCF 13.45
P/OCF 12.33
P/B 1.24
P/tB 1.77
EV/EBITDA N/A
EPS(TTM)1.35
EY7.6%
EPS(NY)1.6
Fwd EY9%
FCF(TTM)1.32
FCFY7.43%
OCF(TTM)1.44
OCFY8.11%
SpS5.24
BVpS14.28
TBVpS10.04
PEG (NY)0.78
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.96%
ROE 9.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.89%
GM N/A
FCFM 25.21%
ROA(3y)1%
ROA(5y)0.85%
ROE(3y)10.17%
ROE(5y)8.4%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.21%
PM growth 5Y-3.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF 6.88
Debt/EBITDA N/A
Cap/Depr 26.86%
Cap/Sales 2.3%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 97.38%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.15%
ROIC/WACCN/A
Cap/Depr(3y)28.25%
Cap/Depr(5y)36.07%
Cap/Sales(3y)2.26%
Cap/Sales(5y)2.68%
Profit Quality(3y)136.93%
Profit Quality(5y)147.23%
High Growth Momentum
Growth
EPS 1Y (TTM)8.87%
EPS 3Y-1.55%
EPS 5Y-0.32%
EPS Q2Q%13.33%
EPS Next Y16.92%
EPS Next 2Y13.14%
EPS Next 3Y12.05%
EPS Next 5Y5.35%
Revenue 1Y (TTM)7.35%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%7.6%
Revenue Next Year9.55%
Revenue Next 2Y8.97%
Revenue Next 3Y7.4%
Revenue Next 5Y4.41%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year43.5%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-31.23%
FCF growth 3Y-2.7%
FCF growth 5Y2.65%
OCF growth 1Y-28.69%
OCF growth 3Y-4.16%
OCF growth 5Y2.89%