HUNTINGTON BANCSHARES INC (HBAN) Fundamental Analysis & Valuation

NASDAQ:HBAN • US4461501045

Current stock price

16.21 USD
-0.34 (-2.05%)
Last:

This HBAN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. HBAN Profitability Analysis

1.1 Basic Checks

  • HBAN had positive earnings in the past year.
  • In the past year HBAN had a positive cash flow from operations.
  • Each year in the past 5 years HBAN has been profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

1.2 Ratios

  • HBAN has a Return On Assets (0.93%) which is in line with its industry peers.
  • HBAN has a Return On Equity (8.57%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.93%
ROE 8.57%
ROIC N/A
ROA(3y)0.92%
ROA(5y)0.92%
ROE(3y)9.03%
ROE(5y)9.01%
ROIC(3y)N/A
ROIC(5y)N/A
HBAN Yearly ROA, ROE, ROICHBAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a Profit Margin value of 25.56%, HBAN perfoms like the industry average, outperforming 49.47% of the companies in the same industry.
  • HBAN's Profit Margin has improved 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) 25.56%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.45%
PM growth 5Y11.41%
GM growth 3YN/A
GM growth 5YN/A
HBAN Yearly Profit, Operating, Gross MarginsHBAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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1

2. HBAN Health Analysis

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 better debt/assets ratio than last year.
HBAN Yearly Shares OutstandingHBAN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
HBAN Yearly Total Debt VS Total AssetsHBAN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

2.2 Solvency

  • HBAN has a debt to FCF ratio of 5.85. This is a neutral value as HBAN would need 5.85 years to pay back of all of its debts.
  • HBAN has a Debt to FCF ratio of 5.85. This is in the lower half of the industry: HBAN underperforms 74.47% of its industry peers.
  • HBAN has a Debt/Equity ratio of 0.53. This is a neutral value indicating HBAN is somewhat dependend on debt financing.
  • HBAN has a Debt to Equity ratio of 0.53. This is in the lower half of the industry: HBAN underperforms 77.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 5.85
Altman-Z N/A
ROIC/WACCN/A
WACC12.76%
HBAN Yearly LT Debt VS Equity VS FCFHBAN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. HBAN Growth Analysis

3.1 Past

  • HBAN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.58%.
  • HBAN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.84% yearly.
  • Looking at the last year, HBAN shows a quite strong growth in Revenue. The Revenue has grown by 16.93% in the last year.
  • HBAN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.14% yearly.
EPS 1Y (TTM)4.58%
EPS 3Y0.23%
EPS 5Y15.84%
EPS Q2Q%-26.47%
Revenue 1Y (TTM)16.93%
Revenue growth 3Y4.03%
Revenue growth 5Y11.14%
Sales Q2Q%33.95%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.81% on average over the next years.
  • The Revenue is expected to grow by 2.76% on average over the next years.
EPS Next Y10.76%
EPS Next 2Y15.35%
EPS Next 3Y11.87%
EPS Next 5Y6.81%
Revenue Next Year38.07%
Revenue Next 2Y22.83%
Revenue Next 3Y15.99%
Revenue Next 5Y2.76%

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 decreasing.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
HBAN Yearly Revenue VS EstimatesHBAN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2B 4B 6B 8B 10B
HBAN Yearly EPS VS EstimatesHBAN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 0.5 1 1.5 2 2.5

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4

4. HBAN Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.83 indicates a reasonable valuation of HBAN.
  • The rest of the industry has a similar Price/Earnings ratio as HBAN.
  • HBAN is valuated cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
  • HBAN is valuated reasonably with a Price/Forward Earnings ratio of 8.34.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of HBAN indicates a rather cheap valuation: HBAN is cheaper than 80.32% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 21.99. HBAN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.83
Fwd PE 8.34
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

  • Based on the Price/Free Cash Flow ratio, HBAN is valued a bit more expensive than 61.17% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.91
EV/EBITDA N/A
HBAN Per share dataHBAN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • HBAN's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.1
PEG (5Y)0.75
EPS Next 2Y15.35%
EPS Next 3Y11.87%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. HBAN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.75%, HBAN has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.53, HBAN pays a better dividend. On top of this HBAN pays more dividend than 84.04% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, HBAN pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.75%

5.2 History

  • The dividend of HBAN decreases each year by -0.38%.
  • HBAN has been paying a dividend for at least 10 years, so it has 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)-0.38%
Div Incr Years0
Div Non Decr Years16
HBAN Yearly Dividends per shareHBAN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 48.68% of the earnings are spent on dividend by HBAN. This is a bit on the high side, but may be sustainable.
DP48.68%
EPS Next 2Y15.35%
EPS Next 3Y11.87%
HBAN Yearly Income VS Free CF VS DividendHBAN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
HBAN Dividend Payout.HBAN Dividend Payout, showing the Payout Ratio.HBAN Dividend Payout.PayoutRetained Earnings

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HBAN Fundamentals: All Metrics, Ratios and Statistics

HUNTINGTON BANCSHARES INC

NASDAQ:HBAN (4/29/2026, 2:44:08 PM)

16.21

-0.34 (-2.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength73.91
Industry Growth92.55
Earnings (Last)04-23
Earnings (Next)07-23
Inst Owners72.47%
Inst Owner Change0.65%
Ins Owners0.75%
Ins Owner Change9.47%
Market Cap33.02B
Revenue(TTM)8.82B
Net Income(TTM)2.09B
Analysts82.14
Price Target20.21 (24.68%)
Short Float %3.45%
Short Ratio2.69
Dividend
Industry RankSector Rank
Dividend Yield 3.75%
Yearly Dividend0.67
Dividend Growth(5Y)-0.38%
DP48.68%
Div Incr Years0
Div Non Decr Years16
Ex-Date03-18
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.37%
Min EPS beat(2)-0.67%
Max EPS beat(2)7.42%
EPS beat(4)2
Avg EPS beat(4)2.7%
Min EPS beat(4)-2.65%
Max EPS beat(4)7.42%
EPS beat(8)6
Avg EPS beat(8)5.09%
EPS beat(12)10
Avg EPS beat(12)5.51%
EPS beat(16)12
Avg EPS beat(16)3.82%
Revenue beat(2)1
Avg Revenue beat(2)0.25%
Min Revenue beat(2)-2.71%
Max Revenue beat(2)3.21%
Revenue beat(4)2
Avg Revenue beat(4)-0.5%
Min Revenue beat(4)-3.12%
Max Revenue beat(4)3.21%
Revenue beat(8)3
Avg Revenue beat(8)-0.34%
Revenue beat(12)4
Avg Revenue beat(12)-0.61%
Revenue beat(16)6
Avg Revenue beat(16)-0.51%
PT rev (1m)-1.95%
PT rev (3m)-0.41%
EPS NQ rev (1m)-3.31%
EPS NQ rev (3m)-3.96%
EPS NY rev (1m)-0.47%
EPS NY rev (3m)-4.35%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)3.51%
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)3.69%
Valuation
Industry RankSector Rank
PE 11.83
Fwd PE 8.34
P/S 4.04
P/FCF 14.91
P/OCF 13.3
P/B 1.36
P/tB 1.88
EV/EBITDA N/A
EPS(TTM)1.37
EY8.45%
EPS(NY)1.94
Fwd EY11.98%
FCF(TTM)1.09
FCFY6.71%
OCF(TTM)1.22
OCFY7.52%
SpS4.01
BVpS11.95
TBVpS8.64
PEG (NY)1.1
PEG (5Y)0.75
Graham Number19.192 (18.4%)
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 8.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.56%
GM N/A
FCFM 27.12%
ROA(3y)0.92%
ROA(5y)0.92%
ROE(3y)9.03%
ROE(5y)9.01%
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 3Y-4.45%
PM growth 5Y11.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 5.85
Debt/EBITDA N/A
Cap/Depr 35.04%
Cap/Sales 3.27%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 106.13%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC12.76%
ROIC/WACCN/A
Cap/Depr(3y)25.19%
Cap/Depr(5y)36.59%
Cap/Sales(3y)2.37%
Cap/Sales(5y)2.84%
Profit Quality(3y)112.5%
Profit Quality(5y)134.87%
High Growth Momentum
Growth
EPS 1Y (TTM)4.58%
EPS 3Y0.23%
EPS 5Y15.84%
EPS Q2Q%-26.47%
EPS Next Y10.76%
EPS Next 2Y15.35%
EPS Next 3Y11.87%
EPS Next 5Y6.81%
Revenue 1Y (TTM)16.93%
Revenue growth 3Y4.03%
Revenue growth 5Y11.14%
Sales Q2Q%33.95%
Revenue Next Year38.07%
Revenue Next 2Y22.83%
Revenue Next 3Y15.99%
Revenue Next 5Y2.76%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year26.66%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y32.48%
FCF growth 3Y-16.56%
FCF growth 5Y12.97%
OCF growth 1Y36.75%
OCF growth 3Y-14.9%
OCF growth 5Y13.41%

HUNTINGTON BANCSHARES INC / HBAN Fundamental Analysis 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 4 / 10 to HUNTINGTON BANCSHARES INC (HBAN). This can be considered as Fairly Valued.


How profitable is HUNTINGTON BANCSHARES INC (HBAN) stock?

HUNTINGTON BANCSHARES INC (HBAN) has a profitability rating of 3 / 10.


What is the valuation of HUNTINGTON BANCSHARES INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for HUNTINGTON BANCSHARES INC (HBAN) is 11.83 and the Price/Book (PB) ratio is 1.36.


Is the dividend of HUNTINGTON BANCSHARES INC sustainable?

The dividend rating of HUNTINGTON BANCSHARES INC (HBAN) is 6 / 10 and the dividend payout ratio is 48.68%.