HUNTINGTON BANCSHARES - HBAN 5.7 PERP(NASDAQ:HBANM) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to HBANM. HBANM was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of HBANM have multiple concerns. While showing a medium growth rate, HBANM is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

HBANM had positive earnings in the past year.

In the past year HBANM had a positive cash flow from operations.

Each year in the past 5 years HBANM has been profitable.

Each year in the past 5 years HBANM had a positive operating cash flow.

1.2 Ratios

HBANM has a Return On Assets (0.92%) which is in line with its industry peers.

HBANM has a Return On Equity (9.39%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.92%
ROE	9.39%
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

HBANM has a better Profit Margin (25.38%) than 61.87% of its industry peers.

HBANM's Profit Margin has declined in the last couple of years.

HBANM 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)	25.38%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

HBANM does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, HBANM has more shares outstanding

The number of shares outstanding for HBANM has been increased compared to 5 years ago.

Compared to 1 year ago, HBANM has a worse debt to assets ratio.

2.2 Solvency

HBANM has a debt to FCF ratio of 8.27. This is a slightly negative value and a sign of low solvency as HBANM would need 8.27 years to pay back of all of its debts.

HBANM has a Debt to FCF ratio of 8.27. This is in the lower half of the industry: HBANM underperforms 78.03% of its industry peers.

HBANM has a Debt/Equity ratio of 0.69. This is a neutral value indicating HBANM is somewhat dependend on debt financing.

HBANM has a Debt to Equity ratio of 0.69. This is amonst the worse of the industry: HBANM underperforms 81.06% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.69
Debt/FCF	8.27
Altman-Z	N/A

ROIC/WACCN/A

WACC14.33%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

HBANM shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.55%.

HBANM shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.32% yearly.

HBANM shows a small growth in Revenue. In the last year, the Revenue has grown by 5.05%.

The Revenue has been growing by 9.61% on average over the past years. This is quite good.

EPS 1Y (TTM)1.55%

EPS 3Y-1.55%

EPS 5Y-0.32%

EPS Q2Q%21.43%

Revenue 1Y (TTM)5.05%

Revenue growth 3Y7.22%

Revenue growth 5Y9.61%

Sales Q2Q%9.51%

3.2 Future

The Earnings Per Share is expected to grow by 6.00% on average over the next years.

HBANM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.14% yearly.

EPS Next Y16.76%

EPS Next 2Y13.33%

EPS Next 3Y11.92%

EPS Next 5Y6%

Revenue Next Year8.44%

Revenue Next 2Y6.63%

Revenue Next 3Y5.91%

Revenue Next 5Y4.14%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 16.71, the valuation of HBANM can be described as correct.

Based on the Price/Earnings ratio, HBANM is valued a bit more expensive than 74.24% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 25.91, HBANM is valued a bit cheaper.

The Price/Forward Earnings ratio is 13.63, which indicates a correct valuation of HBANM.

Based on the Price/Forward Earnings ratio, HBANM is valued a bit more expensive than the industry average as 71.97% of the companies are valued more cheaply.

The average S&P500 Price/Forward Earnings ratio is at 21.85. HBANM is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	16.71
Fwd PE	13.63

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of HBANM indicates a slightly more expensive valuation: HBANM is more expensive than 72.98% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	18.77
EV/EBITDA	N/A

4.3 Compensation for Growth

HBANM's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)1

PEG (5Y)N/A

EPS Next 2Y13.33%

EPS Next 3Y11.92%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.85%, HBANM has a reasonable but not impressive dividend return.

HBANM's Dividend Yield is a higher than the industry average which is at 3.34.

Compared to an average S&P500 Dividend Yield of 2.36, HBANM pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.85%

5.2 History

The dividend of HBANM has a limited annual growth rate of 2.11%.

HBANM has been paying a dividend for over 5 years, so it has already some track record.

HBANM has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)2.11%

Div Incr Years0

Div Non Decr Years3

5.3 Sustainability

HBANM pays out 54.07% of its income as dividend. This is a bit on the high side, but may be sustainable.

HBANM's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP54.07%

EPS Next 2Y13.33%

EPS Next 3Y11.92%

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HUNTINGTON BANCSHARES - HBAN 5.7 PERP

NASDAQ:HBANM (5/22/2025, 8:09:52 PM)

21.8849

+0.35 (+1.65%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-17 2025-04-17/bmo

Earnings (Next)07-18 2025-07-18/bmo

Inst Owners87.29%

Inst Owner ChangeN/A

Ins Owners1.07%

Ins Owner ChangeN/A

Market Cap31.89B

Analysts80

Price Target27.75 (26.8%)

Short Float %0%

Short Ratio0.41

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.85%

Yearly Dividend0.72

Dividend Growth(5Y)2.11%

DP54.07%

Div Incr Years0

Div Non Decr Years3

Ex-Date05-15 2025-05-15 (0.35625)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)6.77%

Min EPS beat(2)6.72%

Max EPS beat(2)6.82%

EPS beat(4)4

Avg EPS beat(4)6.68%

Min EPS beat(4)4.87%

Max EPS beat(4)8.31%

EPS beat(8)8

Avg EPS beat(8)7.38%

EPS beat(12)11

Avg EPS beat(12)5.3%

EPS beat(16)12

Avg EPS beat(16)1.51%

Revenue beat(2)2

Avg Revenue beat(2)1.4%

Min Revenue beat(2)0.62%

Max Revenue beat(2)2.18%

Revenue beat(4)2

Avg Revenue beat(4)0.14%

Min Revenue beat(4)-1.63%

Max Revenue beat(4)2.18%

Revenue beat(8)3

Avg Revenue beat(8)-0.47%

Revenue beat(12)5

Avg Revenue beat(12)-0.37%

Revenue beat(16)5

Avg Revenue beat(16)-0.91%

PT rev (1m)-4.29%

PT rev (3m)4.95%

EPS NQ rev (1m)1.62%

EPS NQ rev (3m)2.33%

EPS NY rev (1m)2.85%

EPS NY rev (3m)2.49%

Revenue NQ rev (1m)0.9%

Revenue NQ rev (3m)1.36%

Revenue NY rev (1m)1.37%

Revenue NY rev (3m)1.12%

Valuation

		Industry Rank	Sector Rank
PE	16.71
Fwd PE	13.63
P/S	4.22
P/FCF	18.77
P/OCF	17.11
P/B	1.56
P/tB	2.24
EV/EBITDA	N/A

EPS(TTM)1.31

EY5.99%

EPS(NY)1.61

Fwd EY7.34%

FCF(TTM)1.17

FCFY5.33%

OCF(TTM)1.28

OCFY5.85%

SpS5.19

BVpS14.02

TBVpS9.76

PEG (NY)1

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.92%
ROE	9.39%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.38%
GM	N/A
FCFM	22.49%

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-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.69
Debt/FCF	8.27
Debt/EBITDA	N/A
Cap/Depr	25.74%
Cap/Sales	2.18%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	88.58%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC14.33%

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)1.55%

EPS 3Y-1.55%

EPS 5Y-0.32%

EPS Q2Q%21.43%

EPS Next Y16.76%

EPS Next 2Y13.33%

EPS Next 3Y11.92%

EPS Next 5Y6%

Revenue 1Y (TTM)5.05%

Revenue growth 3Y7.22%

Revenue growth 5Y9.61%

Sales Q2Q%9.51%

Revenue Next Year8.44%

Revenue Next 2Y6.63%

Revenue Next 3Y5.91%

Revenue Next 5Y4.14%

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-45.93%

FCF growth 3Y-2.7%

FCF growth 5Y2.65%

OCF growth 1Y-43.65%

OCF growth 3Y-4.16%

OCF growth 5Y2.89%

HUNTINGTON BANCSHARES - HBAN 5.7 PERP (HBANM) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens