HBANL Fundamental Analysis - HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to HBANL. HBANL was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of HBANL have multiple concerns. While showing a medium growth rate, HBANL is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

HBANL had positive earnings in the past year.

HBANL had a positive operating cash flow in the past year.

Each year in the past 5 years HBANL has been profitable.

In the past 5 years HBANL always reported a positive cash flow from operatings.

1.2 Ratios

HBANL's Return On Assets of 0.92% is in line compared to the rest of the industry. HBANL outperforms 56.89% of its industry peers.

HBANL's Return On Equity of 9.39% is in line compared to the rest of the industry. HBANL outperforms 59.69% of its industry peers.

		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

HBANL has a better Profit Margin (25.38%) than 61.48% of its industry peers.

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

The Operating Margin and Gross Margin are not available for HBANL 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

HBANL does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, HBANL has more shares outstanding

The number of shares outstanding for HBANL has been increased compared to 5 years ago.

Compared to 1 year ago, HBANL has a worse debt to assets ratio.

2.2 Solvency

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

HBANL has a worse Debt to FCF ratio (8.27) than 77.30% of its industry peers.

A Debt/Equity ratio of 0.69 indicates that HBANL is somewhat dependend on debt financing.

HBANL's Debt to Equity ratio of 0.69 is on the low side compared to the rest of the industry. HBANL is outperformed by 81.63% of its industry peers.

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

ROIC/WACCN/A

WACC13.5%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 8.87% over the past year.

The Earnings Per Share has been decreasing by -0.32% on average over the past years.

HBANL shows a small growth in Revenue. In the last year, the Revenue has grown by 7.55%.

The Revenue has been growing by 9.61% on average over the past years. This is quite good.

EPS 1Y (TTM)8.87%

EPS 3Y-1.55%

EPS 5Y-0.32%

EPS Q2Q%13.33%

Revenue 1Y (TTM)7.55%

Revenue growth 3Y7.22%

Revenue growth 5Y9.61%

Sales Q2Q%7.6%

3.2 Future

HBANL is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.00% yearly.

HBANL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.14% yearly.

EPS Next Y17.08%

EPS Next 2Y13.59%

EPS Next 3Y11.69%

EPS Next 5Y6%

Revenue Next Year9.37%

Revenue Next 2Y8.62%

Revenue Next 3Y7.1%

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.

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4. Valuation

4.1 Price/Earnings Ratio

HBANL is valuated rather expensively with a Price/Earnings ratio of 18.99.

HBANL's Price/Earnings ratio is a bit more expensive when compared to the industry. HBANL is more expensive than 79.59% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 26.82, HBANL is valued a bit cheaper.

HBANL is valuated correctly with a Price/Forward Earnings ratio of 15.89.

HBANL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HBANL is more expensive than 76.02% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 36.21. HBANL is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	18.99
Fwd PE	15.89

4.2 Price Multiples

HBANL's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. HBANL is more expensive than 75.77% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	22.11
EV/EBITDA	N/A

4.3 Compensation for Growth

HBANL's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.11

PEG (5Y)N/A

EPS Next 2Y13.59%

EPS Next 3Y11.69%

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5. Dividend

5.1 Amount

HBANL has a Yearly Dividend Yield of 6.71%, which is a nice return.

Compared to an average industry Dividend Yield of 3.50, HBANL pays a better dividend. On top of this HBANL pays more dividend than 93.11% of the companies listed in the same industry.

HBANL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	6.71%

5.2 History

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

HBANL has paid a dividend for less than 5 years, so there is no long track record yet.

Dividend Growth(5Y)2.11%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

HBANL pays out 54.07% of its income as dividend. This is a bit on the high side, but may be sustainable.

The dividend of HBANL is growing, but earnings are growing more, so the dividend growth is sustainable.

DP54.07%

EPS Next 2Y13.59%

EPS Next 3Y11.69%

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HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP

NASDAQ:HBANL (8/4/2025, 4:30:02 PM)

25.63

+0.13 (+0.53%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-18 2025-07-18/bmo

Earnings (Next)10-17 2025-10-17/bmo

Inst Owners88.32%

Inst Owner ChangeN/A

Ins Owners0.99%

Ins Owner ChangeN/A

Market Cap37.57B

Analysts80.71

Price Target29.6 (15.49%)

Short Float %0%

Short Ratio0.24

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.71%

Yearly Dividend0.72

Dividend Growth(5Y)2.11%

DP54.07%

Div Incr Years1

Div Non Decr Years1

Ex-Date10-01 2025-10-01 (0.42975)

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)2.05%

PT rev (3m)-7.14%

EPS NQ rev (1m)-1.97%

EPS NQ rev (3m)-0.92%

EPS NY rev (1m)0.02%

EPS NY rev (3m)3.13%

Revenue NQ rev (1m)0.4%

Revenue NQ rev (3m)1.26%

Revenue NY rev (1m)0.79%

Revenue NY rev (3m)1.42%

Valuation

		Industry Rank	Sector Rank
PE	18.99
Fwd PE	15.89
P/S	4.97
P/FCF	22.11
P/OCF	20.16
P/B	1.84
P/tB	2.64
EV/EBITDA	N/A

EPS(TTM)1.35

EY5.27%

EPS(NY)1.61

Fwd EY6.29%

FCF(TTM)1.16

FCFY4.52%

OCF(TTM)1.27

OCFY4.96%

SpS5.15

BVpS13.94

TBVpS9.7

PEG (NY)1.11

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

WACC13.5%

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)8.87%

EPS 3Y-1.55%

EPS 5Y-0.32%

EPS Q2Q%13.33%

EPS Next Y17.08%

EPS Next 2Y13.59%

EPS Next 3Y11.69%

EPS Next 5Y6%

Revenue 1Y (TTM)7.55%

Revenue growth 3Y7.22%

Revenue growth 5Y9.61%

Sales Q2Q%7.6%

Revenue Next Year9.37%

Revenue Next 2Y8.62%

Revenue Next 3Y7.1%

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 - HBAN 6 7/8 PERP (HBANL) 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

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