HUNTINGTON BANCSHARES INC (HBAN) Stock Fundamental Analysis
NASDAQ:HBAN - Nasdaq - US4461501045 - Common Stock - Currency: USD
Overall HBAN gets a fundamental rating of 3 out of 10. We evaluated HBAN against 396 industry peers in the Banks industry. HBAN may be in some trouble as it scores bad on both profitability and health. HBAN has a decent growth rate and is not valued too expensively. Finally HBAN also has an excellent dividend rating.
1. Profitability
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.
Each year in the past 5 years HBAN had a positive operating cash flow.
1.2 Ratios
HBAN has a Return On Assets (0.92%) which is in line with its industry peers.
HBAN has a Return On Equity of 9.39%. This is in the better half of the industry: HBAN outperforms 60.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 9.39% | ||
| 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
The Profit Margin of HBAN (25.38%) is better than 62.37% 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) | 25.38% | ||
| 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.
The number of shares outstanding for HBAN has been increased compared to 1 year ago.
HBAN has more shares outstanding than it did 5 years ago.
The debt/assets ratio for HBAN is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of HBAN is 8.27, which is on the high side as it means it would take HBAN, 8.27 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 8.27, HBAN is not doing good in the industry: 77.53% of the companies in the same industry are doing better.
HBAN has a Debt/Equity ratio of 0.69. This is a neutral value indicating HBAN is somewhat dependend on debt financing.
HBAN's Debt to Equity ratio of 0.69 is on the low side compared to the rest of the industry. HBAN is outperformed by 80.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.69 | ||
| Debt/FCF | 8.27 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.92%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
The Revenue has been growing slightly by 5.05% in the past 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
HBAN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.00% yearly.
The Revenue is expected to grow by 4.14% on average over the next years.
EPS Next Y16.76%
EPS Next 2Y13.33%
EPS Next 3Y11.92%
EPS Next 5Y6%
Revenue Next Year8.44%
Revenue Next 2Y6.63%
Revenue Next 3Y5.91%
Revenue Next 5Y4.14%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
With a Price/Earnings ratio of 11.77, the valuation of HBAN can be described as very reasonable.
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 26.03, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.61, the valuation of HBAN can be described as very reasonable.
HBAN's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 21.94. HBAN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.77 | ||
| Fwd PE | 9.61 |
4.2 Price Multiples
HBAN's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.23 | ||
| 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)0.7
PEG (5Y)N/A
EPS Next 2Y13.33%
EPS Next 3Y11.92%
5. Dividend
5.1 Amount
HBAN has a Yearly Dividend Yield of 3.85%. 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 3.34.
Compared to an average S&P500 Dividend Yield of 2.36, HBAN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.85% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.11%
Div Incr Years0
Div Non Decr Years15
5.3 Sustainability
HBAN pays out 54.07% 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.
DP54.07%
EPS Next 2Y13.33%
EPS Next 3Y11.92%
NASDAQ:HBAN (5/22/2025, 12:35:09 PM)
15.425
+0.11 (+0.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners87.29%
Inst Owner Change0.87%
Ins Owners1.07%
Ins Owner Change4.39%
Market Cap22.47B
Analysts80
Price Target17.98 (16.56%)
Short Float %3.47%
Short Ratio2.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.85% |
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP54.07%
Div Incr Years0
Div Non Decr Years15
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.77%
Min EPS beat(2)6.72%
Max EPS beat(2)6.82%
EPS beat(4)4
Avg EPS beat(4)6.68%
Min EPS beat(4)4.87%
Max EPS beat(4)8.31%
EPS beat(8)8
Avg EPS beat(8)7.38%
EPS beat(12)11
Avg EPS beat(12)5.3%
EPS beat(16)12
Avg EPS beat(16)1.51%
Revenue beat(2)2
Avg Revenue beat(2)1.4%
Min Revenue beat(2)0.62%
Max Revenue beat(2)2.18%
Revenue beat(4)2
Avg Revenue beat(4)0.14%
Min Revenue beat(4)-1.63%
Max Revenue beat(4)2.18%
Revenue beat(8)3
Avg Revenue beat(8)-0.47%
Revenue beat(12)5
Avg Revenue beat(12)-0.37%
Revenue beat(16)5
Avg Revenue beat(16)-0.91%
PT rev (1m)-4.48%
PT rev (3m)-7.4%
EPS NQ rev (1m)1.62%
EPS NQ rev (3m)2.33%
EPS NY rev (1m)2.85%
EPS NY rev (3m)2.49%
Revenue NQ rev (1m)0.9%
Revenue NQ rev (3m)1.36%
Revenue NY rev (1m)1.37%
Revenue NY rev (3m)1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.77 | ||
| Fwd PE | 9.61 | ||
| P/S | 2.97 | ||
| P/FCF | 13.23 | ||
| P/OCF | 12.06 | ||
| P/B | 1.1 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.31
EY8.49%
EPS(NY)1.61
Fwd EY10.41%
FCF(TTM)1.17
FCFY7.56%
OCF(TTM)1.28
OCFY8.29%
SpS5.19
BVpS14.02
TBVpS9.76
PEG (NY)0.7
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 9.39% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.38% | ||
| GM | N/A | ||
| FCFM | 22.49% |
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 | 0.69 | ||
| Debt/FCF | 8.27 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 25.74% | ||
| Cap/Sales | 2.18% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 88.58% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC15.92%
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 Y16.76%
EPS Next 2Y13.33%
EPS Next 3Y11.92%
EPS Next 5Y6%
Revenue 1Y (TTM)5.05%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%9.51%
Revenue Next Year8.44%
Revenue Next 2Y6.63%
Revenue Next 3Y5.91%
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-45.93%
FCF growth 3Y-2.7%
FCF growth 5Y2.65%
OCF growth 1Y-43.65%
OCF growth 3Y-4.16%
OCF growth 5Y2.89%