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

NASDAQ:HBANM - US4461507810

23.55 USD
+0.07 (+0.3%)
Last: 9/11/2025, 8:00:01 PM
Fundamental Rating

2

Overall HBANM gets a fundamental rating of 2 out of 10. We evaluated HBANM against 391 industry peers in the Banks industry. HBANM may be in some trouble as it scores bad on both profitability and health. HBANM is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year HBANM was profitable.
In the past year HBANM had a positive cash flow from operations.
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.
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 59.59% of its industry peers.
The Return On Equity of HBANM (9.50%) is better than 60.87% 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

HBANM has a better Profit Margin (25.89%) than 63.17% of its industry peers.
In the last couple of years the Profit Margin of HBANM has declined.
The Operating Margin and Gross Margin are not available for HBANM so they could not be analyzed.
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

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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.
HBANM has more shares outstanding than it did 5 years ago.
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

The Debt to FCF ratio of HBANM is 6.88, which is on the high side as it means it would take HBANM, 6.88 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.88, HBANM is doing worse than 72.12% of the companies in the same industry.
A Debt/Equity ratio of 0.64 indicates that HBANM is somewhat dependend on debt financing.
HBANM has a Debt to Equity ratio of 0.64. This is in the lower half of the industry: HBANM underperforms 79.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF 6.88
Altman-Z N/A
ROIC/WACCN/A
WACC13.86%
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

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4

3. Growth

3.1 Past

HBANM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.87%, which is quite good.
HBANM shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.32% yearly.
Looking at the last year, HBANM shows a small growth in Revenue. The Revenue has grown by 7.35% 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)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

Based on estimates for the next years, HBANM will show a small growth in Earnings Per Share. The EPS will grow by 5.35% on average per year.
The Revenue is expected to grow by 4.41% on average over the next years.
EPS Next Y16.92%
EPS Next 2Y13.14%
EPS Next 3Y12.05%
EPS Next 5Y5.35%
Revenue Next Year9.51%
Revenue Next 2Y8.86%
Revenue Next 3Y7.34%
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

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 17.44, the valuation of HBANM can be described as rather expensive.
Based on the Price/Earnings ratio, HBANM is valued a bit more expensive than 74.68% of the companies in the same industry.
When comparing the Price/Earnings ratio of HBANM to the average of the S&P500 Index (27.43), we can say HBANM is valued slightly cheaper.
A Price/Forward Earnings ratio of 14.72 indicates a correct valuation of HBANM.
HBANM's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HBANM is more expensive than 72.38% of the companies in the same industry.
HBANM is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 17.44
Fwd PE 14.72
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

Based on the Price/Free Cash Flow ratio, HBANM is valued a bit more expensive than the industry average as 64.71% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 17.83
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 12.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.03
PEG (5Y)N/A
EPS Next 2Y13.14%
EPS Next 3Y12.05%

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5

5. Dividend

5.1 Amount

HBANM has a Yearly Dividend Yield of 3.47%. Purely for dividend investing, there may be better candidates out there.
HBANM's Dividend Yield is a higher than the industry average which is at 3.56.
Compared to an average S&P500 Dividend Yield of 2.45, HBANM pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.47%

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

HBANM pays out 51.86% of its income as dividend. 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 2Y13.14%
EPS Next 3Y12.05%
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

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HUNTINGTON BANCSHARES - HBAN 5.7 PERP

NASDAQ:HBANM (9/11/2025, 8:00:01 PM)

23.55

+0.07 (+0.3%)

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 Owners88.2%
Inst Owner ChangeN/A
Ins Owners0.99%
Ins Owner ChangeN/A
Market Cap34.52B
Analysts82.22
Price Target27.55 (16.99%)
Short Float %0%
Short Ratio0.45
Dividend
Industry RankSector Rank
Dividend Yield 3.47%
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP51.86%
Div Incr Years0
Div Non Decr Years3
Ex-Date08-15 2025-08-15 (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)5.29%
PT rev (3m)-0.74%
EPS NQ rev (1m)-0.45%
EPS NQ rev (3m)2.79%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)0.13%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)2.16%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)0.99%
Valuation
Industry RankSector Rank
PE 17.44
Fwd PE 14.72
P/S 4.5
P/FCF 17.83
P/OCF 16.34
P/B 1.65
P/tB 2.35
EV/EBITDA N/A
EPS(TTM)1.35
EY5.73%
EPS(NY)1.6
Fwd EY6.79%
FCF(TTM)1.32
FCFY5.61%
OCF(TTM)1.44
OCFY6.12%
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
WACC13.86%
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 Y16.92%
EPS Next 2Y13.14%
EPS Next 3Y12.05%
EPS Next 5Y5.35%
Revenue 1Y (TTM)7.35%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%7.6%
Revenue Next Year9.51%
Revenue Next 2Y8.86%
Revenue Next 3Y7.34%
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%