18.02 USD
+0.07 (+0.39%)
18.02 USD
0 (0%)
Taking everything into account, HBAN scores 3 out of 10 in our fundamental rating. HBAN was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of HBAN have multiple concerns. HBAN has a correct valuation and a medium growth rate. Finally 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.
- In the past 5 years HBAN has always been profitable.
- In the past 5 years HBAN always reported a positive cash flow from operatings.
1.2 Ratios
- HBAN has a Return On Assets of 1.00%. This is in the better half of the industry: HBAN outperforms 61.10% of its industry peers.
- HBAN has a Return On Equity of 9.48%. This is comparable to the rest of the industry: HBAN outperforms 57.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 9.48% | ||
| 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 (26.54%) is better than 64.23% of its industry peers.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.54% | ||
| 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.
- Compared to 5 years ago, HBAN has more shares outstanding
- The debt/assets ratio for HBAN is higher compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of HBAN is 4.56, which is a neutral value as it means it would take HBAN, 4.56 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 4.56, HBAN is doing worse than 68.93% of the companies in the same industry.
- A Debt/Equity ratio of 0.59 indicates that HBAN is somewhat dependend on debt financing.
- HBAN has a Debt to Equity ratio of 0.59. This is in the lower half of the industry: HBAN underperforms 78.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 4.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.55%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 18.18% 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.
- 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 5.48% on average per year.
- Based on estimates for the next years, HBAN will show a small growth in Revenue. The Revenue will grow by 4.41% on average per year.
EPS Next Y18.17%
EPS Next 2Y16.62%
EPS Next 3Y16.43%
EPS Next 5Y5.48%
Revenue Next Year12.1%
Revenue Next 2Y21.2%
Revenue Next 3Y16.52%
Revenue Next 5Y4.41%
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 12.60 indicates a correct valuation of HBAN.
- Compared to the rest of the industry, the Price/Earnings ratio of HBAN is on the same level as its industry peers.
- HBAN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.47.
- The Price/Forward Earnings ratio is 10.60, which indicates a very decent valuation of HBAN.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of HBAN is on the same level as its industry peers.
- HBAN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.6 | ||
| Fwd PE | 10.6 |
4.2 Price Multiples
- HBAN's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HBAN is cheaper than 68.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.9 | ||
| EV/EBITDA | N/A |
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.
- HBAN's earnings are expected to grow with 16.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.69
PEG (5Y)N/A
EPS Next 2Y16.62%
EPS Next 3Y16.43%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.45%, HBAN has a reasonable but not impressive dividend return.
- HBAN's Dividend Yield is a higher than the industry average which is at 2.88.
- Compared to an average S&P500 Dividend Yield of 1.87, HBAN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.45% |
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 48.51% of its income as dividend. This is a bit on the high side, but may be sustainable.
- The dividend of HBAN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP48.51%
EPS Next 2Y16.62%
EPS Next 3Y16.43%
18.02
+0.07 (+0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-17 2025-10-17/bmo
Earnings (Next)01-22 2026-01-22/bmo
Inst Owners86.2%
Inst Owner Change0.09%
Ins Owners0.9%
Ins Owner Change-2.28%
Market Cap28.33B
Revenue(TTM)7.95B
Net Income(TTM)2.11B
Analysts82.22
Price Target20.83 (15.59%)
Short Float %6.01%
Short Ratio3.22
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.45% |
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP48.51%
Div Incr Years0
Div Non Decr Years15
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.38%
Min EPS beat(2)-2.65%
Max EPS beat(2)7.42%
EPS beat(4)3
Avg EPS beat(4)4.58%
Min EPS beat(4)-2.65%
Max EPS beat(4)7.42%
EPS beat(8)7
Avg EPS beat(8)6.4%
EPS beat(12)11
Avg EPS beat(12)5.67%
EPS beat(16)12
Avg EPS beat(16)2.53%
Revenue beat(2)1
Avg Revenue beat(2)0.05%
Min Revenue beat(2)-3.12%
Max Revenue beat(2)3.21%
Revenue beat(4)3
Avg Revenue beat(4)0.72%
Min Revenue beat(4)-3.12%
Max Revenue beat(4)3.21%
Revenue beat(8)3
Avg Revenue beat(8)-0.5%
Revenue beat(12)4
Avg Revenue beat(12)-0.49%
Revenue beat(16)6
Avg Revenue beat(16)-0.63%
PT rev (1m)0.53%
PT rev (3m)0.96%
EPS NQ rev (1m)0.43%
EPS NQ rev (3m)-2.1%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)1.06%
Revenue NQ rev (1m)0.31%
Revenue NQ rev (3m)4.74%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)2.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.6 | ||
| Fwd PE | 10.6 | ||
| P/S | 3.57 | ||
| P/FCF | 9.9 | ||
| P/OCF | 9.33 | ||
| P/B | 1.27 | ||
| P/tB | 1.76 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.43
EY7.94%
EPS(NY)1.7
Fwd EY9.43%
FCF(TTM)1.82
FCFY10.1%
OCF(TTM)1.93
OCFY10.72%
SpS5.05
BVpS14.15
TBVpS10.21
PEG (NY)0.69
PEG (5Y)N/A
Graham Number21.34
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 9.48% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.54% | ||
| GM | N/A | ||
| FCFM | 36.02% |
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 | 0.59 | ||
| Debt/FCF | 4.56 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 25.07% | ||
| Cap/Sales | 2.21% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 135.7% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.55%
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 Y18.17%
EPS Next 2Y16.62%
EPS Next 3Y16.43%
EPS Next 5Y5.48%
Revenue 1Y (TTM)11.24%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%13.99%
Revenue Next Year12.1%
Revenue Next 2Y21.2%
Revenue Next 3Y16.52%
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-4.18%
FCF growth 3Y-2.7%
FCF growth 5Y2.65%
OCF growth 1Y-2.5%
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.
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.
What is the profitability of HBAN stock?
HUNTINGTON BANCSHARES INC (HBAN) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for HBAN stock?
The Price/Earnings (PE) ratio for HUNTINGTON BANCSHARES INC (HBAN) is 12.6 and the Price/Book (PB) ratio is 1.27.
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 18.17% in the next year.