HBAN Fundamental Analysis - HUNTINGTON BANCSHARES INC

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to HBAN. HBAN was compared to 397 industry peers in the Banks industry. Both the profitability and financial health of HBAN have multiple concerns. HBAN has a decent growth rate and is not valued too expensively. Finally HBAN also has an excellent dividend rating.

Quickly go to:

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.

In the past 5 years HBAN has always 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 of 0.92%. This is comparable to the rest of the industry: HBAN outperforms 57.43% of its industry peers.

Looking at the Return On Equity, with a value of 9.39%, HBAN is in line with its industry, outperforming 59.70% of the companies in the same industry.

		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 61.71% of its industry peers.

In the last couple of years the Profit Margin of HBAN has declined.

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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

2.2 Solvency

HBAN has a debt to FCF ratio of 8.27. This is a slightly negative value and a sign of low solvency as HBAN would need 8.27 years to pay back of all of its debts.

HBAN has a worse Debt to FCF ratio (8.27) than 76.57% of its industry peers.

A Debt/Equity ratio of 0.69 indicates that 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 80.86% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.69
Debt/FCF	8.27
Altman-Z	N/A

ROIC/WACCN/A

WACC15.35%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.55% 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.

Looking at the last year, HBAN shows a small growth in Revenue. The Revenue has grown by 5.05% in the last year.

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.

The Revenue is expected to grow by 4.14% on average over the next years.

EPS Next Y17.08%

EPS Next 2Y13.59%

EPS Next 3Y11.69%

EPS Next 5Y6%

Revenue Next Year8.95%

Revenue Next 2Y7.1%

Revenue Next 3Y6.23%

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.27, HBAN is valued correctly.

The rest of the industry has a similar Price/Earnings ratio as HBAN.

When comparing the Price/Earnings ratio of HBAN to the average of the S&P500 Index (27.30), we can say HBAN is valued rather cheaply.

With a Price/Forward Earnings ratio of 10.78, the valuation of HBAN can be described as very reasonable.

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 21.76.

		Industry Rank	Sector Rank
PE	13.27
Fwd PE	10.78

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	14.91
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)0.78

PEG (5Y)N/A

EPS Next 2Y13.59%

EPS Next 3Y11.69%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

HBAN has a Yearly Dividend Yield of 3.53%.

Compared to an average industry Dividend Yield of 3.31, HBAN pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.35, HBAN pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.53%

5.2 History

The dividend of HBAN has a limited annual growth rate of 2.11%.

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)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 2Y13.59%

EPS Next 3Y11.69%

More info and screens

Find the best dividend stocks

Show peers with best dividend

HUNTINGTON BANCSHARES INC

NASDAQ:HBAN (7/11/2025, 8:20:06 PM)

After market: 17.39 0 (0%)

17.39

-0.17 (-0.97%)

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 Owners88.32%

Inst Owner Change0.02%

Ins Owners0.99%

Ins Owner Change4.88%

Market Cap25.34B

Analysts80.71

Price Target18.21 (4.72%)

Short Float %4.64%

Short Ratio2.82

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.53%

Yearly Dividend0.72

Dividend Growth(5Y)2.11%

DP54.07%

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)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)-0.26%

PT rev (3m)-3.27%

EPS NQ rev (1m)-2.22%

EPS NQ rev (3m)0.61%

EPS NY rev (1m)0.28%

EPS NY rev (3m)2.81%

Revenue NQ rev (1m)0.15%

Revenue NQ rev (3m)1.56%

Revenue NY rev (1m)0.46%

Revenue NY rev (3m)1.85%

Valuation

		Industry Rank	Sector Rank
PE	13.27
Fwd PE	10.78
P/S	3.35
P/FCF	14.91
P/OCF	13.59
P/B	1.24
P/tB	1.78
EV/EBITDA	N/A

EPS(TTM)1.31

EY7.53%

EPS(NY)1.61

Fwd EY9.27%

FCF(TTM)1.17

FCFY6.71%

OCF(TTM)1.28

OCFY7.36%

SpS5.19

BVpS14.02

TBVpS9.76

PEG (NY)0.78

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

WACC15.35%

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 Y17.08%

EPS Next 2Y13.59%

EPS Next 3Y11.69%

EPS Next 5Y6%

Revenue 1Y (TTM)5.05%

Revenue growth 3Y7.22%

Revenue growth 5Y9.61%

Sales Q2Q%9.51%

Revenue Next Year8.95%

Revenue Next 2Y7.1%

Revenue Next 3Y6.23%

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%

HUNTINGTON BANCSHARES INC (HBAN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens