HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL) Stock Fundamental Analysis
USA - NASDAQ:HBANL - US4461507737
25.38 USD
-0.1 (-0.39%)
We assign a fundamental rating of 3 out of 10 to HBANL. HBANL was compared to 388 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.
HBANL had a positive operating cash flow in the past year.
In the past 5 years HBANL has always been profitable.
HBANL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
HBANL has a Return On Assets of 1.00%. This is in the better half of the industry: HBANL outperforms 62.89% of its industry peers.
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)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 65.98% of the companies in the same industry.
HBANL's Profit Margin has declined 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 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
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.
The Debt to FCF ratio of HBANL (4.56) is worse than 65.72% 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.
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 79.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 4.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.44%
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.
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.
HBANL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.24%.
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
The Earnings Per Share is expected to grow by 5.48% 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 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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 17.75 indicates a rather expensive valuation of HBANL.
Based on the Price/Earnings ratio, HBANL is valued a bit more expensive than the industry average as 78.35% of the companies are valued more cheaply.
HBANL is valuated rather cheaply when we compare the Price/Earnings ratio to 25.91, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 14.93, the valuation of HBANL can be described as correct.
74.23% of the companies in the same industry are cheaper than HBANL, based on the Price/Forward Earnings ratio.
HBANL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.75 | ||
| Fwd PE | 14.93 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as HBANL.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.94 | ||
| 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.
A more expensive valuation may be justified as HBANL's earnings are expected to grow with 16.21% in the coming years.
PEG (NY)0.93
PEG (5Y)N/A
EPS Next 2Y16.63%
EPS Next 3Y16.21%
5. Dividend
5.1 Amount
HBANL has a Yearly Dividend Yield of 4.02%, which is a nice return.
HBANL's Dividend Yield is a higher than the industry average which is at 3.38.
Compared to an average S&P500 Dividend Yield of 2.36, HBANL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.02% |
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 2Y16.63%
EPS Next 3Y16.21%
HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP
NASDAQ:HBANL (11/13/2025, 8:00:02 PM)
25.38
-0.1 (-0.39%)
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 Cap37.04B
Revenue(TTM)7.95B
Net Income(TTM)2.11B
Analysts82.22
Price Target32.62 (28.53%)
Short Float %0%
Short Ratio1.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.02% |
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)0.1%
Min Revenue beat(2)-3.12%
Max Revenue beat(2)3.31%
Revenue beat(4)3
Avg Revenue beat(4)0.75%
Min Revenue beat(4)-3.12%
Max Revenue beat(4)3.31%
Revenue beat(8)3
Avg Revenue beat(8)-0.49%
Revenue beat(12)4
Avg Revenue beat(12)-0.49%
Revenue beat(16)6
Avg Revenue beat(16)-0.63%
PT rev (1m)8.74%
PT rev (3m)10.22%
EPS NQ rev (1m)-0.81%
EPS NQ rev (3m)-3.73%
EPS NY rev (1m)1.76%
EPS NY rev (3m)1.63%
Revenue NQ rev (1m)3.95%
Revenue NQ rev (3m)4.43%
Revenue NY rev (1m)2.26%
Revenue NY rev (3m)2.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.75 | ||
| Fwd PE | 14.93 | ||
| P/S | 4.66 | ||
| P/FCF | 12.94 | ||
| P/OCF | 12.19 | ||
| P/B | 1.66 | ||
| P/tB | 2.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.43
EY5.63%
EPS(NY)1.7
Fwd EY6.7%
FCF(TTM)1.96
FCFY7.73%
OCF(TTM)2.08
OCFY8.2%
SpS5.44
BVpS15.24
TBVpS11
PEG (NY)0.93
PEG (5Y)N/A
Graham Number22.15
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
WACC13.44%
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 17.75 and the Price/Book (PB) ratio is 1.66.
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.