HUNTINGTON BANCSHARES INC (HBAN) Fundamental Analysis & Valuation

NASDAQ:HBAN • US4461501045

16.31 USD
-0.37 (-2.22%)
At close: Mar 6, 2026
16.26 USD
-0.05 (-0.31%)
After Hours: 3/6/2026, 8:23:47 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This HBAN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Overall HBAN gets a fundamental rating of 3 out of 10. We evaluated HBAN against 379 industry peers in the Banks industry. HBAN has a bad profitability rating. Also its financial health evaluation is rather negative. HBAN has a correct valuation and a medium growth rate. HBAN also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. HBAN Profitability Analysis

1.1 Basic Checks

  • In the past year HBAN was profitable.
  • HBAN had a positive operating cash flow in the past year.
  • In the past 5 years HBAN has always been profitable.
  • HBAN had a positive operating cash flow in 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

1.2 Ratios

  • HBAN has a Return On Assets (1.00%) which is in line with its industry peers.
  • Looking at the Return On Equity, with a value of 9.48%, HBAN is in line with its industry, outperforming 56.46% of the companies in the same industry.
Industry RankSector Rank
ROA 1%
ROE 9.48%
ROIC N/A
ROA(3y)0.92%
ROA(5y)0.92%
ROE(3y)9.03%
ROE(5y)9.01%
ROIC(3y)N/A
ROIC(5y)N/A
HBAN Yearly ROA, ROE, ROICHBAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a decent Profit Margin value of 26.54%, HBAN is doing good in the industry, outperforming 62.53% of the companies in the same industry.
  • HBAN's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for HBAN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.54%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.45%
PM growth 5Y11.41%
GM growth 3YN/A
GM growth 5YN/A
HBAN Yearly Profit, Operating, Gross MarginsHBAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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0

2. HBAN Health Analysis

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.
  • Compared to 5 years ago, HBAN has more shares outstanding
  • Compared to 1 year ago, HBAN has a worse debt to assets ratio.
HBAN Yearly Shares OutstandingHBAN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
HBAN Yearly Total Debt VS Total AssetsHBAN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

2.2 Solvency

  • HBAN has a debt to FCF ratio of 4.56. This is a neutral value as HBAN would need 4.56 years to pay back of all of its debts.
  • HBAN has a Debt to FCF ratio of 4.56. This is in the lower half of the industry: HBAN underperforms 68.60% of its industry peers.
  • A Debt/Equity ratio of 0.59 indicates that HBAN is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.59, HBAN is not doing good in the industry: 78.63% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 4.56
Altman-Z N/A
ROIC/WACCN/A
WACC13.86%
HBAN Yearly LT Debt VS Equity VS FCFHBAN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. HBAN Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 16.80% over the past year.
  • Measured over the past years, HBAN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.84% on average per year.
  • HBAN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.71%.
  • HBAN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.14% yearly.
EPS 1Y (TTM)16.8%
EPS 3Y0.23%
EPS 5Y15.84%
EPS Q2Q%8.82%
Revenue 1Y (TTM)10.71%
Revenue growth 3Y4.03%
Revenue growth 5Y11.14%
Sales Q2Q%11.33%

3.2 Future

  • The Earnings Per Share is expected to grow by 3.38% on average over the next years.
  • Based on estimates for the next years, HBAN will show a small growth in Revenue. The Revenue will grow by 2.76% on average per year.
EPS Next Y12.78%
EPS Next 2Y16.16%
EPS Next 3Y12.72%
EPS Next 5Y3.38%
Revenue Next Year38.75%
Revenue Next 2Y22.98%
Revenue Next 3Y15.48%
Revenue Next 5Y2.76%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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.
HBAN Yearly Revenue VS EstimatesHBAN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2B 4B 6B 8B 10B
HBAN Yearly EPS VS EstimatesHBAN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 0.5 1 1.5 2

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5

4. HBAN Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.17, the valuation of HBAN can be described as very reasonable.
  • HBAN's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.29. HBAN is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 9.91, the valuation of HBAN can be described as very reasonable.
  • HBAN's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of HBAN to the average of the S&P500 Index (24.57), we can say HBAN is valued rather cheaply.
Industry RankSector Rank
PE 11.17
Fwd PE 9.91
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

  • HBAN's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.57
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.
  • A more expensive valuation may be justified as HBAN's earnings are expected to grow with 12.72% in the coming years.
PEG (NY)0.87
PEG (5Y)0.71
EPS Next 2Y16.16%
EPS Next 3Y12.72%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. HBAN Dividend Analysis

5.1 Amount

  • HBAN has a Yearly Dividend Yield of 3.53%.
  • Compared to an average industry Dividend Yield of 2.73, HBAN pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, HBAN pays a better dividend.
Industry RankSector 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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)2.11%
Div Incr Years0
Div Non Decr Years15
HBAN Yearly Dividends per shareHBAN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 48.51% 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.
DP48.51%
EPS Next 2Y16.16%
EPS Next 3Y12.72%
HBAN Yearly Income VS Free CF VS DividendHBAN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
HBAN Dividend Payout.HBAN Dividend Payout, showing the Payout Ratio.HBAN Dividend Payout.PayoutRetained Earnings

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HBAN Fundamentals: All Metrics, Ratios and Statistics

HUNTINGTON BANCSHARES INC

NASDAQ:HBAN (3/6/2026, 8:23:47 PM)

After market: 16.26 -0.05 (-0.31%)

16.31

-0.37 (-2.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners86.2%
Inst Owner Change8.1%
Ins Owners0.9%
Ins Owner Change3.81%
Market Cap33.10B
Revenue(TTM)8.17B
Net Income(TTM)2.11B
Analysts82.22
Price Target21.15 (29.68%)
Short Float %3.67%
Short Ratio2.23
Dividend
Industry RankSector Rank
Dividend Yield 3.53%
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP48.51%
Div Incr Years0
Div Non Decr Years15
Ex-Date03-18
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)1.57%
PT rev (3m)3.82%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.07%
EPS NY rev (1m)-2.6%
EPS NY rev (3m)-3.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.67%
Revenue NY rev (1m)4.2%
Revenue NY rev (3m)5.33%
Valuation
Industry RankSector Rank
PE 11.17
Fwd PE 9.91
P/S 4.17
P/FCF 11.57
P/OCF 10.9
P/B 1.49
P/tB 2.06
EV/EBITDA N/A
EPS(TTM)1.46
EY8.95%
EPS(NY)1.65
Fwd EY10.1%
FCF(TTM)1.41
FCFY8.65%
OCF(TTM)1.5
OCFY9.18%
SpS3.91
BVpS10.96
TBVpS7.91
PEG (NY)0.87
PEG (5Y)0.71
Graham Number18.98
Profitability
Industry RankSector 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)0.92%
ROA(5y)0.92%
ROE(3y)9.03%
ROE(5y)9.01%
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 3Y-4.45%
PM growth 5Y11.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector 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
WACC13.86%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.8%
EPS 3Y0.23%
EPS 5Y15.84%
EPS Q2Q%8.82%
EPS Next Y12.78%
EPS Next 2Y16.16%
EPS Next 3Y12.72%
EPS Next 5Y3.38%
Revenue 1Y (TTM)10.71%
Revenue growth 3Y4.03%
Revenue growth 5Y11.14%
Sales Q2Q%11.33%
Revenue Next Year38.75%
Revenue Next 2Y22.98%
Revenue Next 3Y15.48%
Revenue Next 5Y2.76%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year26.66%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y171.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y147.19%
OCF growth 3YN/A
OCF growth 5YN/A

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 11.17 and the Price/Book (PB) ratio is 1.49.


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 12.78% in the next year.