HUNTINGTON BANCSHARES INC (HBAN) Stock Fundamental Analysis
USA - NASDAQ:HBAN - US4461501045 - Common Stock
15.455 USD
+0.29 (+1.95%)
Taking everything into account, HBAN scores 3 out of 10 in our fundamental rating. HBAN was compared to 390 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.
In the past 5 years HBAN always reported a positive cash flow from operatings.
1.2 Ratios
HBAN's Return On Assets of 0.96% is fine compared to the rest of the industry. HBAN outperforms 60.51% of its industry peers.
With a Return On Equity value of 9.50%, HBAN perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
HBAN has a Profit Margin of 25.89%. This is in the better half of the industry: HBAN outperforms 64.10% of its industry peers.
HBAN's Profit Margin has declined in the last couple of years.
HBAN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
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
The number of shares outstanding for HBAN has been increased compared to 5 years ago.
Compared to 1 year ago, HBAN has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of HBAN is 6.88, which is on the high side as it means it would take HBAN, 6.88 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 6.88, HBAN is not doing good in the industry: 72.82% of the companies in the same industry are doing better.
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 79.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | 6.88 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.7%
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.
The Revenue has grown by 11.24% in the past year. This is quite good.
Measured over the past years, HBAN shows a quite strong growth in Revenue. The Revenue has been growing by 9.61% on average per year.
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
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.
HBAN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.41% yearly.
EPS Next Y20.01%
EPS Next 2Y15%
EPS Next 3Y13.24%
EPS Next 5Y5.35%
Revenue Next Year11.04%
Revenue Next 2Y10.37%
Revenue Next 3Y5.4%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
HBAN is valuated reasonably with a Price/Earnings ratio of 10.81.
HBAN's Price/Earnings ratio is a bit cheaper when compared to the industry. HBAN is cheaper than 63.08% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.76. HBAN is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.35, which indicates a very decent valuation of HBAN.
HBAN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. HBAN is cheaper than 61.03% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of HBAN to the average of the S&P500 Index (22.63), we can say HBAN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.81 | ||
| Fwd PE | 9.35 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as HBAN.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.65 | ||
| 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.
A more expensive valuation may be justified as HBAN's earnings are expected to grow with 13.24% in the coming years.
PEG (NY)0.54
PEG (5Y)N/A
EPS Next 2Y15%
EPS Next 3Y13.24%
5. Dividend
5.1 Amount
HBAN has a Yearly Dividend Yield of 3.91%. Purely for dividend investing, there may be better candidates out there.
HBAN's Dividend Yield is a higher than the industry average which is at 3.50.
Compared to an average S&P500 Dividend Yield of 2.31, HBAN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.91% |
5.2 History
The dividend of HBAN has a limited annual growth rate of 2.11%.
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)2.11%
Div Incr Years0
Div Non Decr Years15
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 2Y15%
EPS Next 3Y13.24%
NASDAQ:HBAN (10/30/2025, 10:55:08 AM)
15.455
+0.29 (+1.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners88.73%
Inst Owner Change-0.01%
Ins Owners0.98%
Ins Owner Change-0.05%
Market Cap22.55B
Revenue(TTM)7.95B
Net Income(TTM)1.99B
Analysts82.22
Price Target20.29 (31.28%)
Short Float %6.73%
Short Ratio3.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.91% |
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP51.86%
Div Incr Years0
Div Non Decr Years15
Ex-Date
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)1.42%
PT rev (3m)4.18%
EPS NQ rev (1m)1%
EPS NQ rev (3m)-0.62%
EPS NY rev (1m)2.64%
EPS NY rev (3m)2.5%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)0.24%
Revenue NY rev (1m)1.37%
Revenue NY rev (3m)1.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.81 | ||
| Fwd PE | 9.35 | ||
| P/S | 2.94 | ||
| P/FCF | 11.65 | ||
| P/OCF | 10.67 | ||
| P/B | 1.08 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.43
EY9.25%
EPS(NY)1.65
Fwd EY10.7%
FCF(TTM)1.33
FCFY8.58%
OCF(TTM)1.45
OCFY9.37%
SpS5.26
BVpS14.34
TBVpS10.09
PEG (NY)0.54
PEG (5Y)N/A
Graham Number21.48
Profitability
| Industry Rank | Sector 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
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 | 0.64 | ||
| 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
WACC15.7%
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 Y20.01%
EPS Next 2Y15%
EPS Next 3Y13.24%
EPS Next 5Y5.35%
Revenue 1Y (TTM)11.24%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%13.99%
Revenue Next Year11.04%
Revenue Next 2Y10.37%
Revenue Next 3Y5.4%
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%
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.
What is the valuation status of HUNTINGTON BANCSHARES INC (HBAN) stock?
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.
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 20.01% in the next year.
Can you provide the dividend sustainability for HBAN stock?
The dividend rating of HUNTINGTON BANCSHARES INC (HBAN) is 7 / 10 and the dividend payout ratio is 51.86%.