25.35 USD
-0.17 (-0.67%)
Last: Jan 30, 2026, 08:00 PM
We assign a fundamental rating of 3 out of 10 to HBANL. HBANL was compared to 383 industry peers in the Banks industry. While HBANL is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, HBANL is valued expensive at the moment.
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.
- In the past 5 years HBANL has always been profitable.
- HBANL had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With a decent Return On Assets value of 1.00%, HBANL is doing good in the industry, outperforming 60.05% of the companies in the same industry.
- HBANL has a Return On Equity (9.48%) which is comparable to the rest of the industry.
| Industry Rank | Sector 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
1.3 Margins
- With a decent Profit Margin value of 26.54%, HBANL is doing good in the industry, outperforming 63.45% of the companies in the same industry.
- HBANL's Profit Margin has improved in the last couple of years.
- The Operating Margin and Gross Margin are not available for HBANL so they could not be analyzed.
| Industry Rank | Sector 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
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
- HBANL has more shares outstanding than it did 5 years ago.
- HBANL has a worse debt/assets ratio than last year.
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 69.45% of its industry peers.
- A Debt/Equity ratio of 0.59 indicates that HBANL is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.59, HBANL is doing worse than 78.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 4.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.32%
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 16.80% over the past year.
- Measured over the past years, HBANL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.84% on average per year.
- HBANL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.71%.
- 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
- The Earnings Per Share is expected to grow by 3.38% 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 2.76% yearly.
EPS Next Y15.79%
EPS Next 2Y16.81%
EPS Next 3Y2.02%
EPS Next 5Y3.38%
Revenue Next Year33.15%
Revenue Next 2Y19.82%
Revenue Next 3Y2.64%
Revenue Next 5Y2.76%
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 decreasing.
- 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 17.36, 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 77.02% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 28.30, HBANL is valued a bit cheaper.
- Based on the Price/Forward Earnings ratio of 14.99, 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 73.89% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of HBANL to the average of the S&P500 Index (25.57), we can say HBANL is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.36 | ||
| Fwd PE | 14.99 |
4.2 Price Multiples
- HBANL's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.93 | ||
| EV/EBITDA | N/A |
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)1.1
PEG (5Y)1.1
EPS Next 2Y16.81%
EPS Next 3Y2.02%
5. Dividend
5.1 Amount
- HBANL has a Yearly Dividend Yield of 3.63%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.70, HBANL pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, HBANL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.63% |
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
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.
- HBANL's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP48.51%
EPS Next 2Y16.81%
EPS Next 3Y2.02%
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 4 / 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 17.36 and the Price/Book (PB) ratio is 1.79.
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.