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

USA - NASDAQ:HBANL - US4461507737

25.35 USD
+0.03 (+0.12%)
Last: 10/3/2025, 8:00:01 PM
Fundamental Rating

2

Taking everything into account, HBANL scores 2 out of 10 in our fundamental rating. HBANL was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of HBANL have multiple concerns. HBANL is quite expensive at the moment. 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's Return On Assets of 0.96% is in line compared to the rest of the industry. HBANL outperforms 59.69% of its industry peers.
HBANL has a better Return On Equity (9.50%) than 60.71% of its industry peers.
Industry RankSector 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
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

Looking at the Profit Margin, with a value of 25.89%, HBANL is in the better half of the industry, outperforming 63.01% 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 RankSector 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
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.
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.
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

HBANL has a debt to FCF ratio of 6.88. This is a slightly negative value and a sign of low solvency as HBANL would need 6.88 years to pay back of all of its debts.
The Debt to FCF ratio of HBANL (6.88) is worse than 73.72% 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.
The Debt to Equity ratio of HBANL (0.64) is worse than 80.61% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF 6.88
Altman-Z N/A
ROIC/WACCN/A
WACC13.61%
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 strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.87%, 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.
Looking at the last year, HBANL shows a small growth in Revenue. The Revenue has grown by 7.35% 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)8.87%
EPS 3Y-1.55%
EPS 5Y-0.32%
EPS Q2Q%13.33%
Revenue 1Y (TTM)7.35%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%7.6%

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 Y16.93%
EPS Next 2Y13.23%
EPS Next 3Y12.13%
EPS Next 5Y5.35%
Revenue Next Year9.65%
Revenue Next 2Y9.28%
Revenue Next 3Y7.57%
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.
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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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 18.78, which indicates a rather expensive current valuation of HBANL.
77.55% of the companies in the same industry are cheaper than HBANL, based on the Price/Earnings ratio.
HBANL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.86.
A Price/Forward Earnings ratio of 15.82 indicates a correct valuation of HBANL.
Based on the Price/Forward Earnings ratio, HBANL is valued a bit more expensive than the industry average as 75.00% of the companies are valued more cheaply.
HBANL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.32.
Industry RankSector Rank
PE 18.78
Fwd PE 15.82
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of HBANL indicates a slightly more expensive valuation: HBANL is more expensive than 67.60% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 19.19
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.
A more expensive valuation may be justified as HBANL's earnings are expected to grow with 12.13% in the coming years.
PEG (NY)1.11
PEG (5Y)N/A
EPS Next 2Y13.23%
EPS Next 3Y12.13%

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5

5. Dividend

5.1 Amount

HBANL has a Yearly Dividend Yield of 3.64%.
Compared to an average industry Dividend Yield of 3.60, HBANL pays a bit more dividend than its industry peers.
HBANL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
Industry RankSector Rank
Dividend Yield 3.64%

5.2 History

The dividend of HBANL has a limited annual growth rate of 2.11%.
HBANL has been paying a dividend for less than 5 years, so it still needs to build a track record.
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

51.86% 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.
DP51.86%
EPS Next 2Y13.23%
EPS Next 3Y12.13%
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 (10/3/2025, 8:00:01 PM)

25.35

+0.03 (+0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-18 2025-07-18/bmo
Earnings (Next)10-17 2025-10-17/bmo
Inst Owners88.73%
Inst Owner ChangeN/A
Ins Owners0.98%
Ins Owner ChangeN/A
Market Cap37.16B
Analysts82.22
Price Target30 (18.34%)
Short Float %0%
Short Ratio1.86
Dividend
Industry RankSector Rank
Dividend Yield 3.64%
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP51.86%
Div Incr Years1
Div Non Decr Years1
Ex-Date10-01 2025-10-01 (0.42975)
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)-2.75%
PT rev (3m)3.45%
EPS NQ rev (1m)0.27%
EPS NQ rev (3m)0.84%
EPS NY rev (1m)0.01%
EPS NY rev (3m)-0.12%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)1.27%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)1.05%
Valuation
Industry RankSector Rank
PE 18.78
Fwd PE 15.82
P/S 4.84
P/FCF 19.19
P/OCF 17.59
P/B 1.78
P/tB 2.52
EV/EBITDA N/A
EPS(TTM)1.35
EY5.33%
EPS(NY)1.6
Fwd EY6.32%
FCF(TTM)1.32
FCFY5.21%
OCF(TTM)1.44
OCFY5.69%
SpS5.24
BVpS14.28
TBVpS10.04
PEG (NY)1.11
PEG (5Y)N/A
Profitability
Industry RankSector 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
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-Score7
Asset Turnover0.04
Health
Industry RankSector 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
WACC13.61%
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)8.87%
EPS 3Y-1.55%
EPS 5Y-0.32%
EPS Q2Q%13.33%
EPS Next Y16.93%
EPS Next 2Y13.23%
EPS Next 3Y12.13%
EPS Next 5Y5.35%
Revenue 1Y (TTM)7.35%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%7.6%
Revenue Next Year9.65%
Revenue Next 2Y9.28%
Revenue Next 3Y7.57%
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%