17.35 USD
-0.12 (-0.69%)
17.34 USD
-0.01 (-0.06%)
We assign a fundamental rating of 3 out of 10 to HBAN. HBAN was compared to 388 industry peers in the Banks industry. HBAN has a bad profitability rating. Also its financial health evaluation is rather negative. HBAN has a correct valuation and a medium growth rate. HBAN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year HBAN was profitable.
In the past year HBAN had a positive cash flow from operations.
HBAN had positive earnings in each of the past 5 years.
HBAN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
HBAN has a better Return On Assets (1.00%) than 60.57% of its industry peers.
HBAN's Return On Equity of 9.48% is in line compared to the rest of the industry. HBAN outperforms 57.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 9.48% | ||
| 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
1.3 Margins
HBAN's Profit Margin of 26.54% is fine compared to the rest of the industry. HBAN outperforms 63.92% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.54% | ||
| 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
2. Health
2.1 Basic Checks
HBAN does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, HBAN has more shares outstanding
HBAN has more shares outstanding than it did 5 years ago.
HBAN has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of HBAN is 4.56, which is a neutral value as it means it would take HBAN, 4.56 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 4.56, HBAN is not doing good in the industry: 68.81% of the companies in the same industry are doing better.
HBAN has a Debt/Equity ratio of 0.59. This is a neutral value indicating HBAN is somewhat dependend on debt financing.
HBAN has a worse Debt to Equity ratio (0.59) than 78.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 4.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HBAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.18%, which is quite good.
Measured over the past years, HBAN shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.32% on average per year.
Looking at the last year, HBAN shows a quite strong growth in Revenue. The Revenue has grown by 11.24% in the last year.
The Revenue has been growing by 9.61% on average over the past years. This is quite good.
EPS 1Y (TTM)18.18%
EPS 3Y-1.55%
EPS 5Y-0.32%
EPS Q2Q%24.24%
Revenue 1Y (TTM)11.24%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%13.99%
3.2 Future
HBAN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.48% yearly.
The Revenue is expected to grow by 4.41% on average over the next years.
EPS Next Y18.17%
EPS Next 2Y16.62%
EPS Next 3Y16.43%
EPS Next 5Y5.48%
Revenue Next Year12.1%
Revenue Next 2Y21.2%
Revenue Next 3Y16.52%
Revenue Next 5Y4.41%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.13, HBAN is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as HBAN.
HBAN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.
A Price/Forward Earnings ratio of 10.20 indicates a reasonable valuation of HBAN.
HBAN's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.13. HBAN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.13 | ||
| Fwd PE | 10.2 |
4.2 Price Multiples
HBAN's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HBAN is cheaper than 68.30% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.53 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
HBAN's 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 16.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.67
PEG (5Y)N/A
EPS Next 2Y16.62%
EPS Next 3Y16.43%
5. Dividend
5.1 Amount
HBAN has a Yearly Dividend Yield of 3.49%.
Compared to an average industry Dividend Yield of 2.74, HBAN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, HBAN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.49% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)2.11%
Div Incr Years0
Div Non Decr Years15
5.3 Sustainability
48.51% 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.
DP48.51%
EPS Next 2Y16.62%
EPS Next 3Y16.43%
17.35
-0.12 (-0.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners85.97%
Inst Owner Change7.56%
Ins Owners0.91%
Ins Owner Change-2.23%
Market Cap27.28B
Revenue(TTM)7.95B
Net Income(TTM)2.11B
Analysts82.22
Price Target20.48 (18.04%)
Short Float %6.01%
Short Ratio3.22
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.49% |
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP48.51%
Div Incr Years0
Div Non Decr Years15
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.38%
Min EPS beat(2)-2.65%
Max EPS beat(2)7.42%
EPS beat(4)3
Avg EPS beat(4)4.58%
Min EPS beat(4)-2.65%
Max EPS beat(4)7.42%
EPS beat(8)7
Avg EPS beat(8)6.4%
EPS beat(12)11
Avg EPS beat(12)5.67%
EPS beat(16)12
Avg EPS beat(16)2.53%
Revenue beat(2)1
Avg Revenue beat(2)0.05%
Min Revenue beat(2)-3.12%
Max Revenue beat(2)3.21%
Revenue beat(4)3
Avg Revenue beat(4)0.72%
Min Revenue beat(4)-3.12%
Max Revenue beat(4)3.21%
Revenue beat(8)3
Avg Revenue beat(8)-0.5%
Revenue beat(12)4
Avg Revenue beat(12)-0.49%
Revenue beat(16)6
Avg Revenue beat(16)-0.63%
PT rev (1m)0.53%
PT rev (3m)2.39%
EPS NQ rev (1m)-0.42%
EPS NQ rev (3m)-2.06%
EPS NY rev (1m)-0.69%
EPS NY rev (3m)1.06%
Revenue NQ rev (1m)0.8%
Revenue NQ rev (3m)4.49%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)2.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.13 | ||
| Fwd PE | 10.2 | ||
| P/S | 3.43 | ||
| P/FCF | 9.53 | ||
| P/OCF | 8.98 | ||
| P/B | 1.23 | ||
| P/tB | 1.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.43
EY8.24%
EPS(NY)1.7
Fwd EY9.8%
FCF(TTM)1.82
FCFY10.49%
OCF(TTM)1.93
OCFY11.14%
SpS5.05
BVpS14.15
TBVpS10.21
PEG (NY)0.67
PEG (5Y)N/A
Graham Number21.34
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 9.48% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.54% | ||
| GM | N/A | ||
| FCFM | 36.02% |
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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 4.56 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 25.07% | ||
| Cap/Sales | 2.21% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 135.7% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.75%
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)18.18%
EPS 3Y-1.55%
EPS 5Y-0.32%
EPS Q2Q%24.24%
EPS Next Y18.17%
EPS Next 2Y16.62%
EPS Next 3Y16.43%
EPS Next 5Y5.48%
Revenue 1Y (TTM)11.24%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%13.99%
Revenue Next Year12.1%
Revenue Next 2Y21.2%
Revenue Next 3Y16.52%
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-4.18%
FCF growth 3Y-2.7%
FCF growth 5Y2.65%
OCF growth 1Y-2.5%
OCF growth 3Y-4.16%
OCF growth 5Y2.89%
HUNTINGTON BANCSHARES INC / HBAN FAQ
What is the ChartMill fundamental rating of HUNTINGTON BANCSHARES INC (HBAN) stock?
ChartMill assigns a fundamental rating of 3 / 10 to HBAN.
Can you provide the valuation status for HUNTINGTON BANCSHARES INC?
ChartMill assigns a valuation rating of 5 / 10 to HUNTINGTON BANCSHARES INC (HBAN). This can be considered as Fairly Valued.
What is the profitability of HBAN stock?
HUNTINGTON BANCSHARES INC (HBAN) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for HBAN stock?
The Price/Earnings (PE) ratio for HUNTINGTON BANCSHARES INC (HBAN) is 12.13 and the Price/Book (PB) ratio is 1.23.
What is the expected EPS growth for HUNTINGTON BANCSHARES INC (HBAN) stock?
The Earnings per Share (EPS) of HUNTINGTON BANCSHARES INC (HBAN) is expected to grow by 18.17% in the next year.