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

USA - Nasdaq - NASDAQ:HBANL - US4461507737

25.8 USD
0 (0%)
Last: 11/28/2025, 7:36:25 PM
25.8 USD
0 (0%)
After Hours: 11/28/2025, 7:36:25 PM
Fundamental Rating

3

Taking everything into account, HBANL scores 3 out of 10 in our fundamental rating. HBANL was compared to 387 industry peers in the Banks industry. Both the profitability and financial health of HBANL have multiple concerns. HBANL is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year HBANL was profitable.
In the past year HBANL had a positive cash flow from operations.
Each year in the past 5 years HBANL has been profitable.
Each year in the past 5 years HBANL had a positive operating cash flow.
HBANL Yearly Net Income VS EBIT VS OCF VS FCFHBANL 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

HBANL has a Return On Assets of 1.00%. This is in the better half of the industry: HBANL outperforms 60.47% of its industry peers.
The Return On Equity of HBANL (9.48%) is comparable to the rest of the industry.
Industry RankSector 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
HBANL Yearly ROA, ROE, ROICHBANL 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

HBANL has a Profit Margin of 26.54%. This is in the better half of the industry: HBANL outperforms 64.34% of its industry peers.
HBANL's Profit Margin has declined in the last couple of years.
HBANL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
HBANL Yearly Profit, Operating, Gross MarginsHBANL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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0

2. Health

2.1 Basic Checks

HBANL does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HBANL has been increased compared to 1 year ago.
The number of shares outstanding for HBANL has been increased compared to 5 years ago.
HBANL has a worse debt/assets ratio than last year.
HBANL Yearly Shares OutstandingHBANL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B
HBANL Yearly Total Debt VS Total AssetsHBANL 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 HBANL is 4.56, which is a neutral value as it means it would take HBANL, 4.56 years of fcf income to pay off all of its debts.
HBANL's Debt to FCF ratio of 4.56 is on the low side compared to the rest of the industry. HBANL is outperformed by 67.96% of its industry peers.
HBANL has a Debt/Equity ratio of 0.59. This is a neutral value indicating HBANL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.59, HBANL is doing worse than 79.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 4.56
Altman-Z N/A
ROIC/WACCN/A
WACC13.09%
HBANL Yearly LT Debt VS Equity VS FCFHBANL 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
HBANL Yearly Current Assets VS Current LiabilitesHBANL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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5

3. Growth

3.1 Past

HBANL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.18%, which is quite good.
The Earnings Per Share has been decreasing by -0.32% on average over the past years.
Looking at the last year, HBANL shows a quite strong growth in Revenue. The Revenue has grown by 11.24% in the last year.
Measured over the past years, HBANL 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

HBANL is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.48% yearly.
HBANL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.41% yearly.
EPS Next Y18.99%
EPS Next 2Y16.63%
EPS Next 3Y16.21%
EPS Next 5Y5.48%
Revenue Next Year12.14%
Revenue Next 2Y21.57%
Revenue Next 3Y16.14%
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.
HBANL Yearly Revenue VS EstimatesHBANL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2B 4B 6B 8B 10B
HBANL Yearly EPS VS EstimatesHBANL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 0.5 1 1.5

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 18.04, the valuation of HBANL can be described as rather expensive.
HBANL's Price/Earnings ratio is a bit more expensive when compared to the industry. HBANL is more expensive than 78.29% of the companies in the same industry.
HBANL is valuated rather cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 15.17, the valuation of HBANL can be described as correct.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HBANL indicates a slightly more expensive valuation: HBANL is more expensive than 74.42% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.59. HBANL is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 18.04
Fwd PE 15.17
HBANL Price Earnings VS Forward Price EarningsHBANL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, HBANL is valued a bit more expensive than 60.47% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.17
EV/EBITDA N/A
HBANL Per share dataHBANL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

HBANL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
HBANL's earnings are expected to grow with 16.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.95
PEG (5Y)N/A
EPS Next 2Y16.63%
EPS Next 3Y16.21%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.05%, HBANL is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.33, HBANL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, HBANL pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.05%

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
HBANL Yearly Dividends per shareHBANL Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

HBANL pays out 48.51% of its income as dividend. This is a bit on the high side, but may be sustainable.
HBANL's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP48.51%
EPS Next 2Y16.63%
EPS Next 3Y16.21%
HBANL Yearly Income VS Free CF VS DividendHBANL 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
HBANL Dividend Payout.HBANL Dividend Payout, showing the Payout Ratio.HBANL Dividend Payout.PayoutRetained Earnings

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HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP

NASDAQ:HBANL (11/28/2025, 7:36:25 PM)

After market: 25.8 0 (0%)

25.8

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-17 2025-10-17/bmo
Earnings (Next)01-22 2026-01-22/amc
Inst Owners88.73%
Inst Owner ChangeN/A
Ins Owners0.98%
Ins Owner ChangeN/A
Market Cap40.56B
Revenue(TTM)7.95B
Net Income(TTM)2.11B
Analysts82.22
Price Target32.76 (26.98%)
Short Float %0%
Short Ratio1.09
Dividend
Industry RankSector Rank
Dividend Yield 4.05%
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP48.51%
Div Incr Years1
Div Non Decr Years1
Ex-Date12-31 2025-12-31 (0.42975)
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)9.19%
PT rev (3m)4.24%
EPS NQ rev (1m)-5.78%
EPS NQ rev (3m)-1.85%
EPS NY rev (1m)-0.85%
EPS NY rev (3m)1.63%
Revenue NQ rev (1m)1.41%
Revenue NQ rev (3m)3.9%
Revenue NY rev (1m)0.99%
Revenue NY rev (3m)2.53%
Valuation
Industry RankSector Rank
PE 18.04
Fwd PE 15.17
P/S 5.1
P/FCF 14.17
P/OCF 13.35
P/B 1.82
P/tB 2.53
EV/EBITDA N/A
EPS(TTM)1.43
EY5.54%
EPS(NY)1.7
Fwd EY6.59%
FCF(TTM)1.82
FCFY7.06%
OCF(TTM)1.93
OCFY7.49%
SpS5.05
BVpS14.15
TBVpS10.21
PEG (NY)0.95
PEG (5Y)N/A
Graham Number21.34
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)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 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
WACC13.09%
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 Y18.99%
EPS Next 2Y16.63%
EPS Next 3Y16.21%
EPS Next 5Y5.48%
Revenue 1Y (TTM)11.24%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%13.99%
Revenue Next Year12.14%
Revenue Next 2Y21.57%
Revenue Next 3Y16.14%
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 - HBAN 6 7/8 PERP / HBANL FAQ

What is the ChartMill fundamental rating of HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL) stock?

ChartMill assigns a fundamental rating of 3 / 10 to HBANL.


What is the valuation status of HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL) stock?

ChartMill assigns a valuation rating of 3 / 10 to HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL). This can be considered as Overvalued.


How profitable is HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL) stock?

HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL) has a profitability rating of 3 / 10.


What is the valuation of HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL) is 18.04 and the Price/Book (PB) ratio is 1.82.


What is the earnings growth outlook for HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP?

The Earnings per Share (EPS) of HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL) is expected to grow by 18.99% in the next year.