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

NASDAQ:HBANL - Nasdaq - US4461507737 - Currency: USD

24.99  +0.01 (+0.04%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to HBANL. HBANL was compared to 395 industry peers in the Banks industry. HBANL may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, HBANL is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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3

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.
In the past 5 years HBANL has always been profitable.
In the past 5 years HBANL always reported a positive cash flow from operatings.
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 0.92%. This is comparable to the rest of the industry: HBANL outperforms 56.71% of its industry peers.
HBANL has a Return On Equity (9.39%) which is comparable to the rest of the industry.
Industry RankSector 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
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 better Profit Margin (25.38%) than 61.27% 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 RankSector 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
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.
HBANL has more shares outstanding than it did 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 8.27, which is on the high side as it means it would take HBANL, 8.27 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 8.27, HBANL is not doing good in the industry: 77.72% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.69 indicates that HBANL is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.69, HBANL is not doing good in the industry: 81.52% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.69
Debt/FCF 8.27
Altman-Z N/A
ROIC/WACCN/A
WACC14.28%
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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4

3. Growth

3.1 Past

HBANL shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.55%.
HBANL shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.32% yearly.
HBANL shows a small growth in Revenue. In the last year, the Revenue has grown by 5.05%.
HBANL 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.
HBANL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.14% yearly.
EPS Next Y16.76%
EPS Next 2Y13.33%
EPS Next 3Y11.92%
EPS Next 5Y6%
Revenue Next Year8.45%
Revenue Next 2Y6.63%
Revenue Next 3Y5.89%
Revenue Next 5Y4.14%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B
HBANL Yearly EPS VS EstimatesHBANL 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

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 19.08, HBANL is valued on the expensive side.
Based on the Price/Earnings ratio, HBANL is valued a bit more expensive than the industry average as 78.99% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.32, HBANL is valued a bit cheaper.
HBANL is valuated correctly with a Price/Forward Earnings ratio of 15.57.
HBANL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HBANL is more expensive than 75.44% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.19. HBANL is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 19.08
Fwd PE 15.57
HBANL Price Earnings VS Forward Price EarningsHBANL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, HBANL is valued a bit more expensive than 75.70% of the companies in the same industry.
Industry RankSector Rank
P/FCF 21.43
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.14
PEG (5Y)N/A
EPS Next 2Y13.33%
EPS Next 3Y11.92%

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5

5. Dividend

5.1 Amount

HBANL has a Yearly Dividend Yield of 3.88%. Purely for dividend investing, there may be better candidates out there.
HBANL's Dividend Yield is a higher than the industry average which is at 3.46.
Compared to an average S&P500 Dividend Yield of 2.40, HBANL pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.88%

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

54.07% of the earnings are spent on dividend by HBANL. 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.
DP54.07%
EPS Next 2Y13.33%
EPS Next 3Y11.92%
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 (6/17/2025, 8:00:01 PM)

24.99

+0.01 (+0.04%)

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 ChangeN/A
Ins Owners0.99%
Ins Owner ChangeN/A
Market Cap36.41B
Analysts80
Price Target28.92 (15.73%)
Short Float %0%
Short Ratio1.09
Dividend
Industry RankSector Rank
Dividend Yield 3.88%
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP54.07%
Div Incr Years1
Div Non Decr Years1
Ex-Date07-01 2025-07-01 (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)-5.7%
PT rev (3m)-5.48%
EPS NQ rev (1m)0.11%
EPS NQ rev (3m)1.45%
EPS NY rev (1m)0%
EPS NY rev (3m)2.49%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)1.16%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)1.05%
Valuation
Industry RankSector Rank
PE 19.08
Fwd PE 15.57
P/S 4.82
P/FCF 21.43
P/OCF 19.53
P/B 1.78
P/tB 2.56
EV/EBITDA N/A
EPS(TTM)1.31
EY5.24%
EPS(NY)1.61
Fwd EY6.42%
FCF(TTM)1.17
FCFY4.67%
OCF(TTM)1.28
OCFY5.12%
SpS5.19
BVpS14.02
TBVpS9.76
PEG (NY)1.14
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC14.28%
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 Y16.76%
EPS Next 2Y13.33%
EPS Next 3Y11.92%
EPS Next 5Y6%
Revenue 1Y (TTM)5.05%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%9.51%
Revenue Next Year8.45%
Revenue Next 2Y6.63%
Revenue Next 3Y5.89%
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%