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HUNTINGTON BANCSHARES INC (HBAN) Stock Fundamental Analysis

USA - NASDAQ:HBAN - US4461501045 - Common Stock

15.5 USD
+0.13 (+0.85%)
Last: 10/17/2025, 8:17:52 PM
15.5101 USD
+0.01 (+0.07%)
After Hours: 10/17/2025, 8:17:52 PM
Fundamental Rating

3

HBAN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. HBAN has a medium profitability rating, but doesn't score so well on its financial health evaluation. HBAN has a correct valuation and a medium growth rate. Finally HBAN also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

HBAN had positive earnings in the past year.
In the past year HBAN had a positive cash flow from operations.
In the past 5 years HBAN has always been profitable.
HBAN had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

1.2 Ratios

HBAN's Return On Assets of 0.96% is fine compared to the rest of the industry. HBAN outperforms 60.61% of its industry peers.
HBAN's Return On Equity of 9.50% is fine compared to the rest of the industry. HBAN outperforms 61.38% of its industry peers.
Industry RankSector 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
HBAN Yearly ROA, ROE, ROICHBAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a decent Profit Margin value of 25.89%, HBAN is doing good in the industry, outperforming 63.94% of the companies in the same industry.
In the last couple of years the Profit Margin of HBAN has declined.
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) 25.89%
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
HBAN Yearly Profit, Operating, Gross MarginsHBAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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0

2. Health

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.
Compared to 1 year ago, HBAN has a worse debt to assets ratio.
HBAN Yearly Shares OutstandingHBAN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B
HBAN Yearly Total Debt VS Total AssetsHBAN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

2.2 Solvency

HBAN has a debt to FCF ratio of 6.88. This is a slightly negative value and a sign of low solvency as HBAN would need 6.88 years to pay back of all of its debts.
With a Debt to FCF ratio value of 6.88, HBAN is not doing good in the industry: 73.15% 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 79.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF 6.88
Altman-Z N/A
ROIC/WACCN/A
WACC15.6%
HBAN Yearly LT Debt VS Equity VS FCFHBAN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.36% over the past year.
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.
HBAN shows a small growth in Revenue. In the last year, the Revenue has grown by 0.34%.
The Revenue has been growing by 9.61% on average over the past years. This is quite good.
EPS 1Y (TTM)17.36%
EPS 3Y-1.55%
EPS 5Y-0.32%
EPS Q2Q%21.21%
Revenue 1Y (TTM)0.34%
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.
The Revenue is expected to grow by 4.41% on average over the next years.
EPS Next Y16.93%
EPS Next 2Y13.23%
EPS Next 3Y12.13%
EPS Next 5Y5.35%
Revenue Next Year9.65%
Revenue Next 2Y9.28%
Revenue Next 3Y7.57%
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.
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.
HBAN Yearly Revenue VS EstimatesHBAN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2B 4B 6B 8B 10B
HBAN Yearly EPS VS EstimatesHBAN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 0.5 1 1.5

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5

4. Valuation

4.1 Price/Earnings Ratio

HBAN is valuated reasonably with a Price/Earnings ratio of 10.92.
Based on the Price/Earnings ratio, HBAN is valued a bit cheaper than 62.40% of the companies in the same industry.
HBAN is valuated cheaply when we compare the Price/Earnings ratio to 27.40, which is the current average of the S&P500 Index.
HBAN is valuated reasonably with a Price/Forward Earnings ratio of 9.67.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HBAN is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.94. HBAN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.92
Fwd PE 9.67
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

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 RankSector Rank
P/FCF 11.74
EV/EBITDA N/A
HBAN Per share dataHBAN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

HBAN's 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 12.13% in the coming years.
PEG (NY)0.64
PEG (5Y)N/A
EPS Next 2Y13.23%
EPS Next 3Y12.13%

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8

5. Dividend

5.1 Amount

HBAN has a Yearly Dividend Yield of 4.03%, which is a nice return.
Compared to an average industry Dividend Yield of 3.63, HBAN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, HBAN pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.03%

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
HBAN Yearly Dividends per shareHBAN Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

HBAN pays out 51.86% 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.
DP51.86%
EPS Next 2Y13.23%
EPS Next 3Y12.13%
HBAN Yearly Income VS Free CF VS DividendHBAN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
HBAN Dividend Payout.HBAN Dividend Payout, showing the Payout Ratio.HBAN Dividend Payout.PayoutRetained Earnings

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HUNTINGTON BANCSHARES INC

NASDAQ:HBAN (10/17/2025, 8:17:52 PM)

After market: 15.5101 +0.01 (+0.07%)

15.5

+0.13 (+0.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-17 2025-10-17/bmo
Earnings (Next)01-22 2026-01-22/amc
Inst Owners88.73%
Inst Owner Change0.02%
Ins Owners0.98%
Ins Owner Change-0.57%
Market Cap22.72B
Analysts82.22
Price Target20.29 (30.9%)
Short Float %6.01%
Short Ratio2.98
Dividend
Industry RankSector Rank
Dividend Yield 4.03%
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP51.86%
Div Incr Years0
Div Non Decr Years15
Ex-Date09-17 2025-09-17 (0.155)
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)0.86%
EPS NQ rev (3m)-1.18%
EPS NY rev (1m)0.01%
EPS NY rev (3m)-0.13%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)0.29%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.65%
Valuation
Industry RankSector Rank
PE 10.92
Fwd PE 9.67
P/S 2.96
P/FCF 11.74
P/OCF 10.75
P/B 1.09
P/tB 1.54
EV/EBITDA N/A
EPS(TTM)1.42
EY9.16%
EPS(NY)1.6
Fwd EY10.34%
FCF(TTM)1.32
FCFY8.52%
OCF(TTM)1.44
OCFY9.3%
SpS5.24
BVpS14.28
TBVpS10.04
PEG (NY)0.64
PEG (5Y)N/A
Profitability
Industry RankSector 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
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-Score7
Asset Turnover0.04
Health
Industry RankSector 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
WACC15.6%
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)17.36%
EPS 3Y-1.55%
EPS 5Y-0.32%
EPS Q2Q%21.21%
EPS Next Y16.93%
EPS Next 2Y13.23%
EPS Next 3Y12.13%
EPS Next 5Y5.35%
Revenue 1Y (TTM)0.34%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%13.99%
Revenue Next Year9.65%
Revenue Next 2Y9.28%
Revenue Next 3Y7.57%
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%