HUNTINGTON BANCSHARES INC(NASDAQ:HBAN) stock Fundamental Analysis

Fundamental Rating

Overall HBAN gets a fundamental rating of 3 out of 10. We evaluated HBAN against 398 industry peers in the Banks industry. Both the profitability and financial health of HBAN have multiple concerns. HBAN has a correct valuation and a medium growth rate. Finally HBAN also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year HBAN was profitable.

HBAN had a positive operating cash flow in the past year.

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.

1.2 Ratios

HBAN has a Return On Assets (0.88%) which is in line with its industry peers.

HBAN has a Return On Equity (9.12%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.88%
ROE	9.12%
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 24.37% is in line compared to the rest of the industry. HBAN outperforms 55.78% of its industry peers.

In the last couple of years the Profit Margin of HBAN has declined.

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)	24.37%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

HBAN does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for HBAN has been increased compared to 1 year ago.

Compared to 5 years ago, HBAN has more shares outstanding

Compared to 1 year ago, HBAN has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of HBAN is 7.10, which is on the high side as it means it would take HBAN, 7.10 years of fcf income to pay off all of its debts.

HBAN has a worse Debt to FCF ratio (7.10) than 73.87% of its industry peers.

HBAN has a Debt/Equity ratio of 0.60. This is a neutral value indicating HBAN is somewhat dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.60, HBAN is doing worse than 78.64% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.6
Debt/FCF	7.1
Altman-Z	N/A

ROIC/WACCN/A

WACC16.03%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

HBAN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.55%.

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 small growth in Revenue. The Revenue has grown by 5.05% 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)1.55%

EPS 3Y-1.55%

EPS 5Y-0.32%

EPS Q2Q%21.43%

Revenue 1Y (TTM)5.05%

Revenue growth 3Y7.22%

Revenue growth 5Y9.61%

Sales Q2Q%9.51%

3.2 Future

The Earnings Per Share is expected to grow by 6.00% on average over the next years.

HBAN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.14% yearly.

EPS Next Y13.53%

EPS Next 2Y12.15%

EPS Next 3Y10.2%

EPS Next 5Y6%

Revenue Next Year7.84%

Revenue Next 2Y6.43%

Revenue Next 3Y5.58%

Revenue Next 5Y4.14%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.99 indicates a reasonable valuation of HBAN.

The rest of the industry has a similar Price/Earnings ratio as HBAN.

When comparing the Price/Earnings ratio of HBAN to the average of the S&P500 Index (28.79), we can say HBAN is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 9.16, the valuation of HBAN can be described as reasonable.

HBAN's Price/Forward Earnings ratio is in line with the industry average.

HBAN is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.99
Fwd PE	9.16

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of HBAN is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	12.55
EV/EBITDA	N/A

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.

PEG (NY)0.81

PEG (5Y)N/A

EPS Next 2Y12.15%

EPS Next 3Y10.2%

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5. Dividend

5.1 Amount

HBAN has a Yearly Dividend Yield of 4.26%, which is a nice return.

HBAN's Dividend Yield is a higher than the industry average which is at 3.54.

Compared to an average S&P500 Dividend Yield of 2.47, HBAN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.26%

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

HBAN pays out 58.08% of its income as dividend. 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.

DP58.08%

EPS Next 2Y12.15%

EPS Next 3Y10.2%

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HUNTINGTON BANCSHARES INC

NASDAQ:HBAN (4/25/2025, 8:12:45 PM)

After market: 14.4 0 (0%)

14.4

-0.15 (-1.03%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-17 2025-04-17/bmo

Earnings (Next)07-18 2025-07-18/bmo

Inst Owners87.29%

Inst Owner Change0.27%

Ins Owners1.07%

Ins Owner Change4.58%

Market Cap20.98B

Analysts78.52

Price Target17.98 (24.86%)

Short Float %3.5%

Short Ratio2.05

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.26%

Yearly Dividend0.72

Dividend Growth(5Y)2.11%

DP58.08%

Div Incr Years0

Div Non Decr Years15

Ex-Date06-17 2025-06-17 (0.155)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)7.56%

Min EPS beat(2)6.82%

Max EPS beat(2)8.31%

EPS beat(4)4

Avg EPS beat(4)7.48%

Min EPS beat(4)4.87%

Max EPS beat(4)9.94%

EPS beat(8)8

Avg EPS beat(8)6.91%

EPS beat(12)10

Avg EPS beat(12)4.19%

EPS beat(16)12

Avg EPS beat(16)3.32%

Revenue beat(2)1

Avg Revenue beat(2)0.77%

Min Revenue beat(2)-0.63%

Max Revenue beat(2)2.18%

Revenue beat(4)1

Avg Revenue beat(4)-0.19%

Min Revenue beat(4)-1.63%

Max Revenue beat(4)2.18%

Revenue beat(8)2

Avg Revenue beat(8)-0.66%

Revenue beat(12)4

Avg Revenue beat(12)-0.51%

Revenue beat(16)5

Avg Revenue beat(16)-0.33%

PT rev (1m)-3.49%

PT rev (3m)-1.19%

EPS NQ rev (1m)-1%

EPS NQ rev (3m)5.46%

EPS NY rev (1m)-0.34%

EPS NY rev (3m)3.63%

Revenue NQ rev (1m)-0.16%

Revenue NQ rev (3m)2.23%

Revenue NY rev (1m)-0.34%

Revenue NY rev (3m)1.1%

Valuation

		Industry Rank	Sector Rank
PE	10.99
Fwd PE	9.16
P/S	2.84
P/FCF	12.55
P/OCF	11.56
P/B	1.06
P/tB	1.55
EV/EBITDA	N/A

EPS(TTM)1.31

EY9.1%

EPS(NY)1.57

Fwd EY10.92%

FCF(TTM)1.15

FCFY7.97%

OCF(TTM)1.25

OCFY8.65%

SpS5.07

BVpS13.55

TBVpS9.27

PEG (NY)0.81

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.88%
ROE	9.12%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.37%
GM	N/A
FCFM	22.63%

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-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.6
Debt/FCF	7.1
Debt/EBITDA	N/A
Cap/Depr	22.99%
Cap/Sales	1.94%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	92.84%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC16.03%

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)1.55%

EPS 3Y-1.55%

EPS 5Y-0.32%

EPS Q2Q%21.43%

EPS Next Y13.53%

EPS Next 2Y12.15%

EPS Next 3Y10.2%

EPS Next 5Y6%

Revenue 1Y (TTM)5.05%

Revenue growth 3Y7.22%

Revenue growth 5Y9.61%

Sales Q2Q%9.51%

Revenue Next Year7.84%

Revenue Next 2Y6.43%

Revenue Next 3Y5.58%

Revenue Next 5Y4.14%

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-33.57%

FCF growth 3Y-2.7%

FCF growth 5Y2.65%

OCF growth 1Y-31.69%

OCF growth 3Y-4.16%

OCF growth 5Y2.89%

HUNTINGTON BANCSHARES INC (HBAN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens