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

NASDAQ:HBANL • US4461507737

25.65 USD
+0.01 (+0.04%)
Last: Feb 20, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

HBANL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. HBANL has a bad profitability rating. Also its financial health evaluation is rather negative. HBANL is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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.
  • Of the past 5 years HBANL 4 years 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

1.2 Ratios

  • With a Return On Assets value of 1.00%, HBANL perfoms like the industry average, outperforming 59.32% of the companies in the same industry.
  • HBANL has a Return On Equity (9.48%) which is in line with its industry peers.
Industry RankSector Rank
ROA 1%
ROE 9.48%
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

  • HBANL's Profit Margin of 26.54% is fine compared to the rest of the industry. HBANL outperforms 62.73% of its industry peers.
  • In the last couple of years the Profit Margin of HBANL has grown nicely.
  • 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) 26.54%
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

0

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
  • The number of shares outstanding for HBANL has been increased compared to 5 years ago.
  • The debt/assets ratio for HBANL is higher compared to a year ago.
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 4.56. This is a neutral value as HBANL would need 4.56 years to pay back of all of its debts.
  • HBANL's Debt to FCF ratio of 4.56 is on the low side compared to the rest of the industry. HBANL is outperformed by 69.29% of its industry peers.
  • A Debt/Equity ratio of 0.59 indicates that HBANL is somewhat dependend on debt financing.
  • HBANL's Debt to Equity ratio of 0.59 is on the low side compared to the rest of the industry. HBANL is outperformed by 77.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 4.56
Altman-Z N/A
ROIC/WACCN/A
WACC12.38%
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

5

3. Growth

3.1 Past

  • HBANL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.80%, which is quite good.
  • 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 10.71% 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 11.14% on average per year.
EPS 1Y (TTM)16.8%
EPS 3Y0.23%
EPS 5Y15.84%
EPS Q2Q%8.82%
Revenue 1Y (TTM)10.71%
Revenue growth 3Y4.03%
Revenue growth 5Y11.14%
Sales Q2Q%11.33%

3.2 Future

  • HBANL is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.38% 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 Y12.78%
EPS Next 2Y16.16%
EPS Next 3Y12.72%
EPS Next 5Y3.38%
Revenue Next Year37.27%
Revenue Next 2Y22.08%
Revenue Next 3Y15.55%
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.
  • 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 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

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 17.57, 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 78.22% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 26.99, HBANL is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 15.58 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 73.75% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, HBANL is valued a bit cheaper.
Industry RankSector Rank
PE 17.57
Fwd PE 15.58
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 69.82% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 18.19
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.
  • HBANL's earnings are expected to grow with 12.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.37
PEG (5Y)1.11
EPS Next 2Y16.16%
EPS Next 3Y12.72%

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.58%, HBANL has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.78, HBANL pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.85, HBANL pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.58%

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 2026 0.5 1 1.5

5.3 Sustainability

  • HBANL pays out 48.51% of its income as dividend. 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.
DP48.51%
EPS Next 2Y16.16%
EPS Next 3Y12.72%
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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HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP

NASDAQ:HBANL (2/20/2026, 8:00:01 PM)

25.65

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners86.2%
Inst Owner ChangeN/A
Ins Owners0.9%
Ins Owner ChangeN/A
Market Cap52.06B
Revenue(TTM)8.17B
Net Income(TTM)2.11B
Analysts82.22
Price Target30.09 (17.31%)
Short Float %0%
Short Ratio1.04
Dividend
Industry RankSector Rank
Dividend Yield 3.58%
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP48.51%
Div Incr Years1
Div Non Decr Years1
Ex-Date04-01
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)1.11%
PT rev (3m)-7.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.96%
EPS NY rev (1m)-2.6%
EPS NY rev (3m)-3.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.63%
Revenue NY rev (1m)4.25%
Revenue NY rev (3m)4.21%
Valuation
Industry RankSector Rank
PE 17.57
Fwd PE 15.58
P/S 6.55
P/FCF 18.19
P/OCF 17.14
P/B 2.34
P/tB 3.24
EV/EBITDA N/A
EPS(TTM)1.46
EY5.69%
EPS(NY)1.65
Fwd EY6.42%
FCF(TTM)1.41
FCFY5.5%
OCF(TTM)1.5
OCFY5.84%
SpS3.91
BVpS10.96
TBVpS7.91
PEG (NY)1.37
PEG (5Y)1.11
Graham Number18.98
Profitability
Industry RankSector 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)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-Score7
Asset Turnover0.04
Health
Industry RankSector 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
WACC12.38%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.8%
EPS 3Y0.23%
EPS 5Y15.84%
EPS Q2Q%8.82%
EPS Next Y12.78%
EPS Next 2Y16.16%
EPS Next 3Y12.72%
EPS Next 5Y3.38%
Revenue 1Y (TTM)10.71%
Revenue growth 3Y4.03%
Revenue growth 5Y11.14%
Sales Q2Q%11.33%
Revenue Next Year37.27%
Revenue Next 2Y22.08%
Revenue Next 3Y15.55%
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 1Y171.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y147.19%
OCF growth 3YN/A
OCF growth 5YN/A

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.


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.


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 are the PE and PB ratios of HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL) stock?

The Price/Earnings (PE) ratio for HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL) is 17.57 and the Price/Book (PB) ratio is 2.34.


Can you provide the financial health for HBANL stock?

The financial health rating of HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL) is 0 / 10.