22 USD
-0.06 (-0.27%)
We assign a fundamental rating of 3 out of 10 to HBANM. HBANM was compared to 385 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.
1. Profitability
1.1 Basic Checks
In the past year HBANM was profitable.
HBANM had a positive operating cash flow in the past year.
HBANM had positive earnings in each of the past 5 years.
Each year in the past 5 years HBANM had a positive operating cash flow.
1.2 Ratios
HBANM has a better Return On Assets (1.00%) than 60.78% of its industry peers.
HBANM 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
The Profit Margin of HBANM (26.54%) is better than 64.16% of its industry peers.
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 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
HBANM does not have a ROIC to compare to the WACC, probably because it is not profitable.
HBANM has more shares outstanding than it did 1 year ago.
The number of shares outstanding for HBANM has been increased compared to 5 years ago.
HBANM has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of HBANM is 4.56, which is a neutral value as it means it would take HBANM, 4.56 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 4.56, HBANM is not doing good in the industry: 68.83% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.59 indicates that HBANM is somewhat dependend on debt financing.
The Debt to Equity ratio of HBANM (0.59) is worse than 78.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 4.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.75%
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, HBANM shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.32% on average per year.
Looking at the last year, HBANM shows a quite strong growth in Revenue. The Revenue has grown by 11.24% in the last year.
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)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
Based on estimates for the next years, HBANM will show a small growth in Earnings Per Share. The EPS will grow by 5.48% on average per year.
Based on estimates for the next years, HBANM will show a small growth in Revenue. The Revenue will grow by 4.41% on average per year.
EPS Next Y18.42%
EPS Next 2Y16.12%
EPS Next 3Y16.44%
EPS Next 5Y5.48%
Revenue Next Year12.12%
Revenue Next 2Y21.07%
Revenue Next 3Y16.21%
Revenue Next 5Y4.41%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 15.38, which indicates a correct valuation of HBANM.
69.35% of the companies in the same industry are cheaper than HBANM, based on the Price/Earnings ratio.
HBANM's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.55.
HBANM is valuated correctly with a Price/Forward Earnings ratio of 13.05.
68.05% of the companies in the same industry are cheaper than HBANM, based on the Price/Forward Earnings ratio.
HBANM is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.38 | ||
| Fwd PE | 13.05 |
4.2 Price Multiples
HBANM's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.09 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
HBANM's earnings are expected to grow with 16.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.84
PEG (5Y)N/A
EPS Next 2Y16.12%
EPS Next 3Y16.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.46%, HBANM has a reasonable but not impressive dividend return.
HBANM's Dividend Yield is a higher than the industry average which is at 2.70.
Compared to an average S&P500 Dividend Yield of 1.87, HBANM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
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
48.51% of the earnings are spent on dividend by HBANM. 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.
DP48.51%
EPS Next 2Y16.12%
EPS Next 3Y16.44%
HUNTINGTON BANCSHARES - HBAN 5.7 PERP
NASDAQ:HBANM (12/15/2025, 8:00:02 PM)
22
-0.06 (-0.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners85.97%
Inst Owner ChangeN/A
Ins Owners0.91%
Ins Owner ChangeN/A
Market Cap34.59B
Revenue(TTM)7.95B
Net Income(TTM)2.11B
Analysts82.22
Price Target26.38 (19.91%)
Short Float %0%
Short Ratio0.22
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP48.51%
Div Incr Years0
Div Non Decr Years3
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)0.05%
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)-11.9%
PT rev (3m)-0.65%
EPS NQ rev (1m)-1.73%
EPS NQ rev (3m)-2.48%
EPS NY rev (1m)-0.48%
EPS NY rev (3m)1.28%
Revenue NQ rev (1m)0.45%
Revenue NQ rev (3m)4.17%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)2.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.38 | ||
| Fwd PE | 13.05 | ||
| P/S | 4.35 | ||
| P/FCF | 12.09 | ||
| P/OCF | 11.39 | ||
| P/B | 1.55 | ||
| P/tB | 2.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.43
EY6.5%
EPS(NY)1.69
Fwd EY7.66%
FCF(TTM)1.82
FCFY8.27%
OCF(TTM)1.93
OCFY8.78%
SpS5.05
BVpS14.15
TBVpS10.21
PEG (NY)0.84
PEG (5Y)N/A
Graham Number21.34
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
WACC13.75%
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 Y18.42%
EPS Next 2Y16.12%
EPS Next 3Y16.44%
EPS Next 5Y5.48%
Revenue 1Y (TTM)11.24%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%13.99%
Revenue Next Year12.12%
Revenue Next 2Y21.07%
Revenue Next 3Y16.21%
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 5.7 PERP / HBANM FAQ
Can you provide the ChartMill fundamental rating for HUNTINGTON BANCSHARES - HBAN 5.7 PERP?
ChartMill assigns a fundamental rating of 3 / 10 to HBANM.
What is the valuation status for HBANM stock?
ChartMill assigns a valuation rating of 3 / 10 to HUNTINGTON BANCSHARES - HBAN 5.7 PERP (HBANM). This can be considered as Overvalued.
Can you provide the profitability details for HUNTINGTON BANCSHARES - HBAN 5.7 PERP?
HUNTINGTON BANCSHARES - HBAN 5.7 PERP (HBANM) has a profitability rating of 3 / 10.
What are the PE and PB ratios of HUNTINGTON BANCSHARES - HBAN 5.7 PERP (HBANM) stock?
The Price/Earnings (PE) ratio for HUNTINGTON BANCSHARES - HBAN 5.7 PERP (HBANM) is 15.38 and the Price/Book (PB) ratio is 1.55.
Can you provide the dividend sustainability for HBANM stock?
The dividend rating of HUNTINGTON BANCSHARES - HBAN 5.7 PERP (HBANM) is 6 / 10 and the dividend payout ratio is 48.51%.