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

NASDAQ:HBANL • US4461507737

Current stock price

25.55 USD
-0.05 (-0.2%)
Last:

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

3

1. HBANL Profitability Analysis

1.1 Basic Checks

  • In the past year HBANL was profitable.
  • In the past year HBANL had a positive cash flow from operations.
  • HBANL had positive earnings in each of the past 5 years.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

1.2 Ratios

  • HBANL's Return On Assets of 0.93% is in line compared to the rest of the industry. HBANL outperforms 44.95% of its industry peers.
  • HBANL has a Return On Equity (8.57%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.93%
ROE 8.57%
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
HBANL Yearly ROA, ROE, ROICHBANL 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

  • Looking at the Profit Margin, with a value of 25.56%, HBANL is in line with its industry, outperforming 48.40% of the companies in the same industry.
  • In the last couple of years the Profit Margin of HBANL has grown nicely.
  • 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) 25.56%
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
HBANL Yearly Profit, Operating, Gross MarginsHBANL 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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. HBANL Health Analysis

2.1 Basic Checks

  • HBANL does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • HBANL has more shares outstanding than it did 1 year ago.
  • HBANL has more shares outstanding than it did 5 years ago.
  • HBANL has a better debt/assets ratio than last year.
HBANL Yearly Shares OutstandingHBANL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
HBANL Yearly Total Debt VS Total AssetsHBANL 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

  • HBANL has a debt to FCF ratio of 5.85. This is a neutral value as HBANL would need 5.85 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 5.85, HBANL is not doing good in the industry: 75.53% of the companies in the same industry are doing better.
  • HBANL has a Debt/Equity ratio of 0.53. This is a neutral value indicating HBANL is somewhat dependend on debt financing.
  • The Debt to Equity ratio of HBANL (0.53) is worse than 78.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 5.85
Altman-Z N/A
ROIC/WACCN/A
WACC11.8%
HBANL Yearly LT Debt VS Equity VS FCFHBANL 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
HBANL Yearly Current Assets VS Current LiabilitesHBANL 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

4

3. HBANL Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 4.58% over the past year.
  • HBANL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.84% yearly.
  • The Revenue has grown by 16.93% in the past year. This is quite good.
  • HBANL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.14% yearly.
EPS 1Y (TTM)4.58%
EPS 3Y0.23%
EPS 5Y15.84%
EPS Q2Q%-26.47%
Revenue 1Y (TTM)16.93%
Revenue growth 3Y4.03%
Revenue growth 5Y11.14%
Sales Q2Q%33.95%

3.2 Future

  • HBANL is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.81% yearly.
  • HBANL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.76% yearly.
EPS Next Y10.76%
EPS Next 2Y15.35%
EPS Next 3Y11.87%
EPS Next 5Y6.81%
Revenue Next Year38.07%
Revenue Next 2Y22.83%
Revenue Next 3Y15.99%
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.
HBANL Yearly Revenue VS EstimatesHBANL 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
HBANL Yearly EPS VS EstimatesHBANL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 0.5 1 1.5 2 2.5

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2

4. HBANL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 18.65, HBANL is valued on the expensive side.
  • Based on the Price/Earnings ratio, HBANL is valued expensively inside the industry as 83.51% of the companies are valued cheaper.
  • The average S&P500 Price/Earnings ratio is at 26.64. HBANL is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 13.15, 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 73.14% of the companies listed in the same industry.
  • HBANL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.65
Fwd PE 13.15
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 77.66% of the companies in the same industry.
Industry RankSector Rank
P/FCF 23.5
EV/EBITDA N/A
HBANL Per share dataHBANL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 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)1.73
PEG (5Y)1.18
EPS Next 2Y15.35%
EPS Next 3Y11.87%

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

4

5. HBANL Dividend Analysis

5.1 Amount

  • HBANL has a Yearly Dividend Yield of 3.80%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.57, HBANL pays a better dividend. On top of this HBANL pays more dividend than 81.91% 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 1.82.
Industry RankSector Rank
Dividend Yield 3.8%

5.2 History

  • The dividend of HBANL decreases each year by -0.38%.
  • HBANL has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)-0.38%
Div Incr Years0
Div Non Decr Years2
HBANL Yearly Dividends per shareHBANL Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 48.68% of the earnings are spent on dividend by HBANL. This is a bit on the high side, but may be sustainable.
DP48.68%
EPS Next 2Y15.35%
EPS Next 3Y11.87%
HBANL Yearly Income VS Free CF VS DividendHBANL 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
HBANL Dividend Payout.HBANL Dividend Payout, showing the Payout Ratio.HBANL Dividend Payout.PayoutRetained Earnings

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HBANL Fundamentals: All Metrics, Ratios and Statistics

HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP

NASDAQ:HBANL (5/1/2026, 8:00:01 PM)

25.55

-0.05 (-0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-23
Earnings (Next)07-23
Inst Owners72.47%
Inst Owner ChangeN/A
Ins Owners0.75%
Ins Owner ChangeN/A
Market Cap52.05B
Revenue(TTM)8.82B
Net Income(TTM)2.09B
Analysts82.14
Price Target31.28 (22.43%)
Short Float %0%
Short Ratio1.22
Dividend
Industry RankSector Rank
Dividend Yield 3.8%
Yearly Dividend0.67
Dividend Growth(5Y)-0.38%
DP48.68%
Div Incr Years0
Div Non Decr Years2
Ex-Date04-01
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.37%
Min EPS beat(2)-0.67%
Max EPS beat(2)7.42%
EPS beat(4)2
Avg EPS beat(4)2.7%
Min EPS beat(4)-2.65%
Max EPS beat(4)7.42%
EPS beat(8)6
Avg EPS beat(8)5.09%
EPS beat(12)10
Avg EPS beat(12)5.51%
EPS beat(16)12
Avg EPS beat(16)3.82%
Revenue beat(2)1
Avg Revenue beat(2)0.25%
Min Revenue beat(2)-2.71%
Max Revenue beat(2)3.21%
Revenue beat(4)2
Avg Revenue beat(4)-0.5%
Min Revenue beat(4)-3.12%
Max Revenue beat(4)3.21%
Revenue beat(8)3
Avg Revenue beat(8)-0.34%
Revenue beat(12)4
Avg Revenue beat(12)-0.61%
Revenue beat(16)6
Avg Revenue beat(16)-0.51%
PT rev (1m)-0.53%
PT rev (3m)7.3%
EPS NQ rev (1m)-3.31%
EPS NQ rev (3m)-3.96%
EPS NY rev (1m)-0.47%
EPS NY rev (3m)-4.35%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)3.51%
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)3.69%
Valuation
Industry RankSector Rank
PE 18.65
Fwd PE 13.15
P/S 6.37
P/FCF 23.5
P/OCF 20.97
P/B 2.14
P/tB 2.96
EV/EBITDA N/A
EPS(TTM)1.37
EY5.36%
EPS(NY)1.94
Fwd EY7.6%
FCF(TTM)1.09
FCFY4.26%
OCF(TTM)1.22
OCFY4.77%
SpS4.01
BVpS11.95
TBVpS8.64
PEG (NY)1.73
PEG (5Y)1.18
Graham Number19.192 (-24.88%)
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 8.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.56%
GM N/A
FCFM 27.12%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 5.85
Debt/EBITDA N/A
Cap/Depr 35.04%
Cap/Sales 3.27%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 106.13%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC11.8%
ROIC/WACCN/A
Cap/Depr(3y)25.19%
Cap/Depr(5y)36.59%
Cap/Sales(3y)2.37%
Cap/Sales(5y)2.84%
Profit Quality(3y)112.5%
Profit Quality(5y)134.87%
High Growth Momentum
Growth
EPS 1Y (TTM)4.58%
EPS 3Y0.23%
EPS 5Y15.84%
EPS Q2Q%-26.47%
EPS Next Y10.76%
EPS Next 2Y15.35%
EPS Next 3Y11.87%
EPS Next 5Y6.81%
Revenue 1Y (TTM)16.93%
Revenue growth 3Y4.03%
Revenue growth 5Y11.14%
Sales Q2Q%33.95%
Revenue Next Year38.07%
Revenue Next 2Y22.83%
Revenue Next 3Y15.99%
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 1Y32.48%
FCF growth 3Y-16.56%
FCF growth 5Y12.97%
OCF growth 1Y36.75%
OCF growth 3Y-14.9%
OCF growth 5Y13.41%

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


Can you provide the valuation status for HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP?

ChartMill assigns a valuation rating of 2 / 10 to HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL). This can be considered as Overvalued.


Can you provide the profitability details for HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP?

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


Can you provide the expected EPS growth for HBANL stock?

The Earnings per Share (EPS) of HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL) is expected to grow by 10.76% in the next year.


How sustainable is the dividend of HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL) stock?

The dividend rating of HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL) is 4 / 10 and the dividend payout ratio is 48.68%.