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HUNTINGTON BANCSHARES INC (HBAN) Stock Fundamental Analysis

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

14.4  -0.15 (-1.03%)

After market: 14.4 0 (0%)

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. 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.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

In the past year HBAN was profitable.
HBAN had a positive operating cash flow in the past year.
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

HBAN has a Return On Assets (0.88%) which is in line with its industry peers.
HBAN has a Return On Equity (9.12%) which 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

HBAN's Profit Margin of 24.37% is in line compared to the rest of the industry. HBAN outperforms 55.78% 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 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.
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
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

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 worse Debt to FCF ratio (7.10) than 73.87% 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 78.64% 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
WACC16.03%
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

HBAN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.55%.
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.
HBAN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.61% yearly.
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

The Earnings Per Share is expected to grow by 6.00% on average over the next years.
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

A Price/Earnings ratio of 10.99 indicates a reasonable valuation of HBAN.
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 (28.79), we can say HBAN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.16, the valuation of HBAN can be described as reasonable.
HBAN's Price/Forward Earnings ratio is in line with the industry average.
HBAN is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.99
Fwd PE 9.16
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 12.55
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.81
PEG (5Y)N/A
EPS Next 2Y12.15%
EPS Next 3Y10.2%

8

5. Dividend

5.1 Amount

HBAN has a Yearly Dividend Yield of 4.26%, which is a nice return.
HBAN's Dividend Yield is a higher than the industry average which is at 3.54.
Compared to an average S&P500 Dividend Yield of 2.47, HBAN pays a better dividend.
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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

HBAN pays out 58.08% 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.
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 (4/25/2025, 8:12:45 PM)

After market: 14.4 0 (0%)

14.4

-0.15 (-1.03%)

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 Change0.27%
Ins Owners1.07%
Ins Owner Change4.58%
Market Cap20.98B
Analysts78.52
Price Target17.98 (24.86%)
Short Float %3.5%
Short Ratio2.05
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)-3.49%
PT rev (3m)-1.19%
EPS NQ rev (1m)-1%
EPS NQ rev (3m)5.46%
EPS NY rev (1m)-0.34%
EPS NY rev (3m)3.63%
Revenue NQ rev (1m)-0.16%
Revenue NQ rev (3m)2.23%
Revenue NY rev (1m)-0.34%
Revenue NY rev (3m)1.1%
Valuation
Industry RankSector Rank
PE 10.99
Fwd PE 9.16
P/S 2.84
P/FCF 12.55
P/OCF 11.56
P/B 1.06
P/tB 1.55
EV/EBITDA N/A
EPS(TTM)1.31
EY9.1%
EPS(NY)1.57
Fwd EY10.92%
FCF(TTM)1.15
FCFY7.97%
OCF(TTM)1.25
OCFY8.65%
SpS5.07
BVpS13.55
TBVpS9.27
PEG (NY)0.81
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
WACC16.03%
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%