25.8 USD
0 (0%)
25.8 USD
0 (0%)
Overall HBANL gets a fundamental rating of 3 out of 10. We evaluated HBANL against 387 industry peers in the Banks industry. HBANL may be in some trouble as it scores bad on both profitability and health. HBANL is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
HBANL had positive earnings in the past year.
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.
1.2 Ratios
With a decent Return On Assets value of 1.00%, HBANL is doing good in the industry, outperforming 60.47% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.48%, HBANL is in line with its industry, outperforming 57.62% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
With a decent Profit Margin value of 26.54%, HBANL is doing good in the industry, outperforming 64.34% of the companies in the same industry.
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) | 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
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
Compared to 5 years ago, HBANL has more shares outstanding
Compared to 1 year ago, HBANL has a worse debt to assets ratio.
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 has a Debt to FCF ratio of 4.56. This is in the lower half of the industry: HBANL underperforms 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.
With a Debt to Equity ratio value of 0.59, HBANL is not doing good in the industry: 79.33% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 4.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.09%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 18.18% over the past year.
HBANL shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.32% yearly.
The Revenue has grown by 11.24% in the past year. This is quite good.
The Revenue has been growing by 9.61% on average over the past years. This is quite good.
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
Based on estimates for the next years, HBANL will show a small growth in Earnings Per Share. The EPS will grow by 5.48% on average per year.
Based on estimates for the next years, HBANL will show a small growth in Revenue. The Revenue will grow by 4.41% on average per year.
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
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
With a Price/Earnings ratio of 18.04, HBANL is valued on the expensive side.
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.
When comparing the Price/Earnings ratio of HBANL to the average of the S&P500 Index (26.31), we can say HBANL is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 15.17, the valuation of HBANL can be described as correct.
Based on the Price/Forward Earnings ratio, HBANL is valued a bit more expensive than 74.42% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of HBANL to the average of the S&P500 Index (36.59), we can say HBANL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.04 | ||
| Fwd PE | 15.17 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.17 | ||
| 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 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%
5. Dividend
5.1 Amount
HBANL has a Yearly Dividend Yield of 3.81%.
Compared to an average industry Dividend Yield of 3.23, HBANL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, HBANL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.81% |
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
48.51% 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.
DP48.51%
EPS Next 2Y16.63%
EPS Next 3Y16.21%
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)
Earnings (Next)
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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.81% |
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP48.51%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)6.19%
EPS NQ rev (1m)-1.75%
EPS NQ rev (3m)-1.85%
EPS NY rev (1m)-0.85%
EPS NY rev (3m)1.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.76%
Revenue NY rev (1m)0.99%
Revenue NY rev (3m)2.4%
Valuation
| Industry Rank | Sector 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 Rank | Sector 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 Rank | Sector 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.