HUNTINGTON BANCSHARES INC (HBAN) Fundamental Analysis & Valuation

NASDAQ:HBAN • US4461501045

Current stock price

15.94 USD
+0.15 (+0.95%)
At close:
15.95 USD
+0.01 (+0.06%)
After Hours:

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.
  • 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.
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.
  • With a Return On Equity value of 8.57%, HBAN perfoms like the industry average, outperforming 41.84% of the companies in the same industry.
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

  • HBAN has a Profit Margin (25.56%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of HBAN has grown nicely.
  • HBAN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 1 year ago, HBAN has more shares outstanding
  • Compared to 5 years ago, HBAN has more shares outstanding
  • Compared to 1 year ago, HBAN has an improved debt to assets ratio.
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.
  • Looking at the Debt to FCF ratio, with a value of 5.85, HBAN is doing worse than 72.89% of the companies in the same industry.
  • HBAN has a Debt/Equity ratio of 0.53. This is a neutral value indicating HBAN is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.53, HBAN is not doing good in the industry: 76.58% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 5.85
Altman-Z N/A
ROIC/WACCN/A
WACC12.86%
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

More info and screens

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

5

3. HBAN Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 16.80% over the past year.
  • Measured over the past years, HBAN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.84% on average per year.
  • Looking at the last year, HBAN shows a quite strong growth in Revenue. The Revenue has grown by 10.71% in the last year.
  • Measured over the past years, HBAN shows a quite strong growth in Revenue. The Revenue has been growing by 11.14% on average per year.
EPS 1Y (TTM)16.8%
EPS 3Y0.23%
EPS 5Y15.84%
EPS Q2Q%8.82%
Revenue 1Y (TTM)10.71%
Revenue growth 3Y4.03%
Revenue growth 5Y11.14%
Sales Q2Q%11.33%

3.2 Future

  • HBAN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.81% yearly.
  • HBAN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.76% yearly.
EPS Next Y11.28%
EPS Next 2Y15.43%
EPS Next 3Y11.98%
EPS Next 5Y6.81%
Revenue Next Year38.43%
Revenue Next 2Y22.82%
Revenue Next 3Y15.87%
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

More info and screens

Find the best growth stocksShow best growing peers

5

4. HBAN Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.92 indicates a reasonable valuation of HBAN.
  • HBAN's Price/Earnings ratio is a bit cheaper when compared to the industry. HBAN is cheaper than 68.68% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.21, HBAN is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.81 indicates a reasonable valuation of HBAN.
  • 62.89% of the companies in the same industry are more expensive than HBAN, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 23.13. HBAN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.92
Fwd PE 9.81
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

  • 61.58% of the companies in the same industry are cheaper than HBAN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 14.66
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.97
PEG (5Y)0.69
EPS Next 2Y15.43%
EPS Next 3Y11.98%

More info and screens

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

7

5. HBAN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.11%, HBAN is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.73, HBAN pays a better dividend. On top of this HBAN pays more dividend than 83.95% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, HBAN pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.11%

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 their dividend for at least 10 years, which is a reliable track record.
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 2Y15.43%
EPS Next 3Y11.98%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

HBAN Fundamentals: All Metrics, Ratios and Statistics

HUNTINGTON BANCSHARES INC

NASDAQ:HBAN (4/6/2026, 8:00:02 PM)

After market: 15.95 +0.01 (+0.06%)

15.94

+0.15 (+0.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners72.48%
Inst Owner Change0.01%
Ins Owners0.74%
Ins Owner Change9.54%
Market Cap32.47B
Revenue(TTM)8.17B
Net Income(TTM)2.09B
Analysts82.14
Price Target21.1 (32.37%)
Short Float %3.8%
Short Ratio2.1
Dividend
Industry RankSector Rank
Dividend Yield 4.11%
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)-0.25%
PT rev (3m)3.01%
EPS NQ rev (1m)-1.44%
EPS NQ rev (3m)0.1%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.44%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)6.48%
Revenue NY rev (1m)0.37%
Revenue NY rev (3m)5.74%
Valuation
Industry RankSector Rank
PE 10.92
Fwd PE 9.81
P/S 3.98
P/FCF 14.66
P/OCF 13.08
P/B 1.33
P/tB 1.85
EV/EBITDA N/A
EPS(TTM)1.46
EY9.16%
EPS(NY)1.62
Fwd EY10.19%
FCF(TTM)1.09
FCFY6.82%
OCF(TTM)1.22
OCFY7.64%
SpS4.01
BVpS11.95
TBVpS8.64
PEG (NY)0.97
PEG (5Y)0.69
Graham Number19.81
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
WACC12.86%
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)16.8%
EPS 3Y0.23%
EPS 5Y15.84%
EPS Q2Q%8.82%
EPS Next Y11.28%
EPS Next 2Y15.43%
EPS Next 3Y11.98%
EPS Next 5Y6.81%
Revenue 1Y (TTM)10.71%
Revenue growth 3Y4.03%
Revenue growth 5Y11.14%
Sales Q2Q%11.33%
Revenue Next Year38.43%
Revenue Next 2Y22.82%
Revenue Next 3Y15.87%
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 5 / 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 10.92 and the Price/Book (PB) ratio is 1.33.


Is the dividend of HUNTINGTON BANCSHARES INC sustainable?

The dividend rating of HUNTINGTON BANCSHARES INC (HBAN) is 7 / 10 and the dividend payout ratio is 48.68%.