HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL) Stock Fundamental Analysis
USA - NASDAQ:HBANL - US4461507737
25.41 USD
+0.03 (+0.12%)
HBANL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. HBANL may be in some trouble as it scores bad on both profitability and health. HBANL is valied quite expensively at the moment, while it does show a decent growth rate.
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.
HBANL had positive earnings in each of the past 5 years.
Each year in the past 5 years HBANL had a positive operating cash flow.
1.2 Ratios
HBANL's Return On Assets of 0.96% is in line compared to the rest of the industry. HBANL outperforms 59.74% of its industry peers.
HBANL has a Return On Equity (9.50%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.96% | ||
| ROE | 9.5% | ||
| 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 (25.89%) than 63.33% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.89% | ||
| 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
2. Health
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 worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of HBANL is 6.88, which is on the high side as it means it would take HBANL, 6.88 years of fcf income to pay off all of its debts.
HBANL's Debt to FCF ratio of 6.88 is on the low side compared to the rest of the industry. HBANL is outperformed by 73.85% of its industry peers.
HBANL has a Debt/Equity ratio of 0.64. This is a neutral value indicating HBANL is somewhat dependend on debt financing.
HBANL has a Debt to Equity ratio of 0.64. This is amonst the worse of the industry: HBANL underperforms 80.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | 6.88 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.39%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
Measured over the past years, HBANL shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.32% on average per year.
The Revenue has grown by 11.24% in the past year. This is quite good.
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
The Earnings Per Share is expected to grow by 5.35% 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 4.41% yearly.
EPS Next Y20.01%
EPS Next 2Y15%
EPS Next 3Y13.24%
EPS Next 5Y5.35%
Revenue Next Year11.04%
Revenue Next 2Y10.37%
Revenue Next 3Y5.4%
Revenue Next 5Y4.41%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 17.77, which indicates a rather expensive current valuation of HBANL.
Based on the Price/Earnings ratio, HBANL is valued a bit more expensive than the industry average as 76.41% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of HBANL to the average of the S&P500 Index (27.08), we can say HBANL is valued slightly cheaper.
With a Price/Forward Earnings ratio of 15.37, HBANL is valued correctly.
Based on the Price/Forward Earnings ratio, HBANL is valued a bit more expensive than 74.62% of the companies in the same industry.
HBANL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.09, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.77 | ||
| Fwd PE | 15.37 |
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 67.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.15 | ||
| EV/EBITDA | N/A |
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 13.24% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.89
PEG (5Y)N/A
EPS Next 2Y15%
EPS Next 3Y13.24%
5. Dividend
5.1 Amount
HBANL has a Yearly Dividend Yield of 3.91%.
HBANL's Dividend Yield is a higher than the industry average which is at 3.50.
HBANL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.91% |
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
51.86% of the earnings are spent on dividend by HBANL. 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.
DP51.86%
EPS Next 2Y15%
EPS Next 3Y13.24%
HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP
NASDAQ:HBANL (10/27/2025, 8:25:21 PM)
25.41
+0.03 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners88.73%
Inst Owner ChangeN/A
Ins Owners0.98%
Ins Owner ChangeN/A
Market Cap37.08B
Revenue(TTM)7.95B
Net Income(TTM)1.99B
Analysts82.22
Price Target30 (18.06%)
Short Float %0%
Short Ratio1.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.91% |
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP51.86%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.04%
Min EPS beat(2)-2.65%
Max EPS beat(2)6.72%
EPS beat(4)3
Avg EPS beat(4)4.8%
Min EPS beat(4)-2.65%
Max EPS beat(4)8.31%
EPS beat(8)7
Avg EPS beat(8)6.82%
EPS beat(12)10
Avg EPS beat(12)5.03%
EPS beat(16)11
Avg EPS beat(16)0.06%
Revenue beat(2)1
Avg Revenue beat(2)-1.25%
Min Revenue beat(2)-3.12%
Max Revenue beat(2)0.62%
Revenue beat(4)2
Avg Revenue beat(4)-0.24%
Min Revenue beat(4)-3.12%
Max Revenue beat(4)2.18%
Revenue beat(8)3
Avg Revenue beat(8)-0.7%
Revenue beat(12)4
Avg Revenue beat(12)-0.66%
Revenue beat(16)5
Avg Revenue beat(16)-0.96%
PT rev (1m)2.29%
PT rev (3m)1.36%
EPS NQ rev (1m)1%
EPS NQ rev (3m)-1.04%
EPS NY rev (1m)2.64%
EPS NY rev (3m)2.5%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)0.39%
Revenue NY rev (1m)1.37%
Revenue NY rev (3m)1.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.77 | ||
| Fwd PE | 15.37 | ||
| P/S | 4.83 | ||
| P/FCF | 19.15 | ||
| P/OCF | 17.55 | ||
| P/B | 1.77 | ||
| P/tB | 2.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.43
EY5.63%
EPS(NY)1.65
Fwd EY6.51%
FCF(TTM)1.33
FCFY5.22%
OCF(TTM)1.45
OCFY5.7%
SpS5.26
BVpS14.34
TBVpS10.09
PEG (NY)0.89
PEG (5Y)N/A
Graham Number21.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.96% | ||
| ROE | 9.5% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.89% | ||
| GM | N/A | ||
| FCFM | 25.21% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | 6.88 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 26.86% | ||
| Cap/Sales | 2.3% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 97.38% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC13.39%
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 Y20.01%
EPS Next 2Y15%
EPS Next 3Y13.24%
EPS Next 5Y5.35%
Revenue 1Y (TTM)11.24%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%13.99%
Revenue Next Year11.04%
Revenue Next 2Y10.37%
Revenue Next 3Y5.4%
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-31.23%
FCF growth 3Y-2.7%
FCF growth 5Y2.65%
OCF growth 1Y-28.69%
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 2 / 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 17.77 and the Price/Book (PB) ratio is 1.77.
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 20.01% in the next year.