Logo image of HBANM

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

USA - NASDAQ:HBANM - US4461507810

23.5 USD
0 (0%)
Last: 10/1/2025, 8:55:38 PM
Fundamental Rating

3

Overall HBANM gets a fundamental rating of 3 out of 10. We evaluated HBANM against 392 industry peers in the Banks industry. HBANM has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, HBANM is valued expensive at the moment. HBANM also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

In the past year HBANM was profitable.
HBANM had a positive operating cash flow in the past year.
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.
HBANM Yearly Net Income VS EBIT VS OCF VS FCFHBANM 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

HBANM's Return On Assets of 0.96% is in line compared to the rest of the industry. HBANM outperforms 59.69% of its industry peers.
The Return On Equity of HBANM (9.50%) is better than 60.97% 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
HBANM Yearly ROA, ROE, ROICHBANM 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%, HBANM is in the better half of the industry, outperforming 63.27% of the companies in the same industry.
In the last couple of years the Profit Margin of HBANM has declined.
HBANM 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
HBANM Yearly Profit, Operating, Gross MarginsHBANM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

More info and screens

0

2. Health

2.1 Basic Checks

HBANM does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HBANM has been increased compared to 1 year ago.
Compared to 5 years ago, HBANM has more shares outstanding
Compared to 1 year ago, HBANM has a worse debt to assets ratio.
HBANM Yearly Shares OutstandingHBANM Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B
HBANM Yearly Total Debt VS Total AssetsHBANM 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

HBANM has a debt to FCF ratio of 6.88. This is a slightly negative value and a sign of low solvency as HBANM would need 6.88 years to pay back of all of its debts.
HBANM has a Debt to FCF ratio of 6.88. This is in the lower half of the industry: HBANM underperforms 72.45% of its industry peers.
HBANM has a Debt/Equity ratio of 0.64. This is a neutral value indicating HBANM is somewhat dependend on debt financing.
The Debt to Equity ratio of HBANM (0.64) is worse than 80.10% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF 6.88
Altman-Z N/A
ROIC/WACCN/A
WACC13.95%
HBANM Yearly LT Debt VS Equity VS FCFHBANM 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
HBANM Yearly Current Assets VS Current LiabilitesHBANM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

More info and screens

4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 8.87% over the past year.
The Earnings Per Share has been decreasing by -0.32% on average over the past years.
HBANM shows a small growth in Revenue. In the last year, the Revenue has grown by 7.35%.
HBANM shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.61% yearly.
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

HBANM is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.35% yearly.
HBANM 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 Year9.55%
Revenue Next 2Y8.97%
Revenue Next 3Y7.4%
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.
HBANM Yearly Revenue VS EstimatesHBANM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2B 4B 6B 8B 10B
HBANM Yearly EPS VS EstimatesHBANM Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 0.5 1 1.5

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 17.41, HBANM is valued on the expensive side.
HBANM's Price/Earnings ratio is a bit more expensive when compared to the industry. HBANM is more expensive than 75.26% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.79, HBANM is valued a bit cheaper.
A Price/Forward Earnings ratio of 14.66 indicates a correct valuation of HBANM.
Based on the Price/Forward Earnings ratio, HBANM is valued a bit more expensive than 73.21% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.21. HBANM is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 17.41
Fwd PE 14.66
HBANM Price Earnings VS Forward Price EarningsHBANM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

65.31% of the companies in the same industry are cheaper than HBANM, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 17.79
EV/EBITDA N/A
HBANM Per share dataHBANM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

HBANM's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
HBANM's earnings are expected to grow with 12.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.03
PEG (5Y)N/A
EPS Next 2Y13.23%
EPS Next 3Y12.13%

More info and screens

7

5. Dividend

5.1 Amount

HBANM has a Yearly Dividend Yield of 6.08%, which is a nice return.
HBANM's Dividend Yield is rather good when compared to the industry average which is at 3.52. HBANM pays more dividend than 90.05% of the companies in the same industry.
HBANM's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
Industry RankSector Rank
Dividend Yield 6.08%

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
HBANM Yearly Dividends per shareHBANM Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

51.86% of the earnings are spent on dividend by HBANM. This is a bit on the high side, but may be sustainable.
The dividend of HBANM is growing, but earnings are growing more, so the dividend growth is sustainable.
DP51.86%
EPS Next 2Y13.23%
EPS Next 3Y12.13%
HBANM Yearly Income VS Free CF VS DividendHBANM 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
HBANM Dividend Payout.HBANM Dividend Payout, showing the Payout Ratio.HBANM Dividend Payout.PayoutRetained Earnings

More info and screens

HUNTINGTON BANCSHARES - HBAN 5.7 PERP

NASDAQ:HBANM (10/1/2025, 8:55:38 PM)

23.5

0 (0%)

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 Cap34.45B
Analysts82.22
Price Target26.55 (12.98%)
Short Float %0%
Short Ratio0.33
Dividend
Industry RankSector Rank
Dividend Yield 6.08%
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP51.86%
Div Incr Years0
Div Non Decr Years3
Ex-Date11-14 2025-11-14 (0.35625)
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)-3.6%
PT rev (3m)4.69%
EPS NQ rev (1m)-0.08%
EPS NQ rev (3m)0.49%
EPS NY rev (1m)0.01%
EPS NY rev (3m)-0.12%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)1.37%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.95%
Valuation
Industry RankSector Rank
PE 17.41
Fwd PE 14.66
P/S 4.49
P/FCF 17.79
P/OCF 16.3
P/B 1.65
P/tB 2.34
EV/EBITDA N/A
EPS(TTM)1.35
EY5.74%
EPS(NY)1.6
Fwd EY6.82%
FCF(TTM)1.32
FCFY5.62%
OCF(TTM)1.44
OCFY6.13%
SpS5.24
BVpS14.28
TBVpS10.04
PEG (NY)1.03
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
WACC13.95%
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 Year9.55%
Revenue Next 2Y8.97%
Revenue Next 3Y7.4%
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%