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HUNTINGTON BANCSHARES INC (HBAN) Stock Fundamental Analysis

NASDAQ:HBAN - Nasdaq - US4461501045 - Common Stock - Currency: USD

14.62  +0.09 (+0.62%)

After market: 14.67 +0.05 (+0.34%)

Fundamental Rating

3

Overall HBAN gets a fundamental rating of 3 out of 10. We evaluated HBAN against 398 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. HBAN also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

1.2 Ratios

With a Return On Assets value of 0.88%, HBAN perfoms like the industry average, outperforming 57.54% of the companies in the same industry.
The Return On Equity of HBAN (9.12%) is comparable to the rest of the industry.
Industry RankSector 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
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 Profit Margin value of 24.37%, HBAN perfoms like the industry average, outperforming 56.03% 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) 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
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

0

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
HBAN has more shares outstanding than it did 5 years ago.
HBAN has a worse debt/assets ratio than last year.
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

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 Debt to FCF ratio of 7.10. This is in the lower half of the industry: HBAN underperforms 75.38% 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 79.40% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 7.1
Altman-Z N/A
ROIC/WACCN/A
WACC15.93%
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

4

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.55% over the past year.
HBAN shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.32% yearly.
HBAN shows a small growth in Revenue. In the last year, the Revenue has grown by 5.05%.
The Revenue has been growing by 9.61% on average over the past years. This is quite good.
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.
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.
HBAN Yearly Revenue VS EstimatesHBAN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B
HBAN Yearly EPS VS EstimatesHBAN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0.5 1 1.5

5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.16, the valuation of HBAN can be described as very reasonable.
HBAN's Price/Earnings ratio is in line with the industry average.
HBAN is valuated cheaply when we compare the Price/Earnings ratio to 27.85, which is the current average of the S&P500 Index.
HBAN is valuated reasonably with a Price/Forward Earnings ratio of 9.30.
HBAN's Price/Forward Earnings is on the same level as the industry average.
HBAN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.77.
Industry RankSector Rank
PE 11.16
Fwd PE 9.3
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 12.74
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

HBAN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.82
PEG (5Y)N/A
EPS Next 2Y12.15%
EPS Next 3Y10.2%

8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.26%, HBAN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.51, HBAN pays a bit more dividend than its industry peers.
HBAN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
Industry RankSector 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 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

58.08% 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.
DP58.08%
EPS Next 2Y12.15%
EPS Next 3Y10.2%
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

HUNTINGTON BANCSHARES INC

NASDAQ:HBAN (5/1/2025, 9:06:49 PM)

After market: 14.67 +0.05 (+0.34%)

14.62

+0.09 (+0.62%)

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 Change0.11%
Ins Owners1.07%
Ins Owner Change4.14%
Market Cap21.30B
Analysts78.52
Price Target17.98 (22.98%)
Short Float %3.73%
Short Ratio2.19
Dividend
Industry RankSector 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)-7.84%
PT rev (3m)-5.65%
EPS NQ rev (1m)-0.71%
EPS NQ rev (3m)5.46%
EPS NY rev (1m)-0.31%
EPS NY rev (3m)3.63%
Revenue NQ rev (1m)-0.16%
Revenue NQ rev (3m)2.23%
Revenue NY rev (1m)0.47%
Revenue NY rev (3m)1.58%
Valuation
Industry RankSector Rank
PE 11.16
Fwd PE 9.3
P/S 2.88
P/FCF 12.74
P/OCF 11.74
P/B 1.08
P/tB 1.58
EV/EBITDA N/A
EPS(TTM)1.31
EY8.96%
EPS(NY)1.57
Fwd EY10.75%
FCF(TTM)1.15
FCFY7.85%
OCF(TTM)1.25
OCFY8.52%
SpS5.07
BVpS13.55
TBVpS9.27
PEG (NY)0.82
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC15.93%
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%