Logo image of HBANM

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

NASDAQ:HBANM - Nasdaq - US4461507810 - Currency: USD

23.1  0 (0%)

Fundamental Rating

3

Taking everything into account, HBANM scores 3 out of 10 in our fundamental rating. HBANM was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of HBANM have multiple concerns. HBANM is quite expensive at the moment. It does show a decent growth rate. HBANM also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

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.
HBANM had a positive operating cash flow in each of the past 5 years.
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

The Return On Assets of HBANM (0.92%) is comparable to the rest of the industry.
HBANM has a Return On Equity (9.39%) which is comparable to the rest of the industry.
Industry RankSector 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
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 (25.38%) than 61.73% 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 RankSector 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
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.
Compared to 1 year ago, HBANM has more shares outstanding
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

The Debt to FCF ratio of HBANM is 8.27, which is on the high side as it means it would take HBANM, 8.27 years of fcf income to pay off all of its debts.
HBANM's Debt to FCF ratio of 8.27 is on the low side compared to the rest of the industry. HBANM is outperformed by 76.02% of its industry peers.
A Debt/Equity ratio of 0.69 indicates that HBANM is somewhat dependend on debt financing.
HBANM's Debt to Equity ratio of 0.69 is on the low side compared to the rest of the industry. HBANM is outperformed by 81.38% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.69
Debt/FCF 8.27
Altman-Z N/A
ROIC/WACCN/A
WACC13.85%
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.
HBANM shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.32% yearly.
The Revenue has been growing slightly by 7.55% in the past year.
The Revenue has been growing by 9.61% on average over the past years. This is quite good.
EPS 1Y (TTM)8.87%
EPS 3Y-1.55%
EPS 5Y-0.32%
EPS Q2Q%13.33%
Revenue 1Y (TTM)7.55%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%7.6%

3.2 Future

The Earnings Per Share is expected to grow by 6.00% on average over the next years.
Based on estimates for the next years, HBANM will show a small growth in Revenue. The Revenue will grow by 4.14% on average per year.
EPS Next Y17.08%
EPS Next 2Y13.59%
EPS Next 3Y11.69%
EPS Next 5Y6%
Revenue Next Year9.37%
Revenue Next 2Y8.62%
Revenue Next 3Y7.1%
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.
HBANM Yearly Revenue VS EstimatesHBANM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B
HBANM Yearly EPS VS EstimatesHBANM Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0.5 1 1.5

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 17.11, which indicates a rather expensive current valuation of HBANM.
Based on the Price/Earnings ratio, HBANM is valued a bit more expensive than the industry average as 76.53% of the companies are valued more cheaply.
HBANM is valuated rather cheaply when we compare the Price/Earnings ratio to 26.48, which is the current average of the S&P500 Index.
HBANM is valuated correctly with a Price/Forward Earnings ratio of 14.32.
HBANM's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HBANM is more expensive than 73.98% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.04. HBANM is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 17.11
Fwd PE 14.32
HBANM Price Earnings VS Forward Price EarningsHBANM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

HBANM's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. HBANM is more expensive than 72.96% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19.93
EV/EBITDA N/A
HBANM Per share dataHBANM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 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.
PEG (NY)1
PEG (5Y)N/A
EPS Next 2Y13.59%
EPS Next 3Y11.69%

More info and screens

7

5. Dividend

5.1 Amount

HBANM has a Yearly Dividend Yield of 6.71%, which is a nice return.
Compared to an average industry Dividend Yield of 3.50, HBANM pays a better dividend. On top of this HBANM pays more dividend than 93.88% of the companies listed in the same industry.
HBANM's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 6.71%

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

54.07% 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.
DP54.07%
EPS Next 2Y13.59%
EPS Next 3Y11.69%
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 (8/8/2025, 4:38:39 PM)

23.1

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 Owners88.32%
Inst Owner ChangeN/A
Ins Owners0.99%
Ins Owner ChangeN/A
Market Cap33.86B
Analysts80.71
Price Target26.16 (13.25%)
Short Float %0%
Short Ratio0.43
Dividend
Industry RankSector Rank
Dividend Yield 6.71%
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP54.07%
Div Incr Years0
Div Non Decr Years3
Ex-Date08-15 2025-08-15 (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)3.15%
PT rev (3m)-10.21%
EPS NQ rev (1m)-1.97%
EPS NQ rev (3m)-0.92%
EPS NY rev (1m)0.02%
EPS NY rev (3m)3.13%
Revenue NQ rev (1m)0.4%
Revenue NQ rev (3m)1.26%
Revenue NY rev (1m)0.79%
Revenue NY rev (3m)1.42%
Valuation
Industry RankSector Rank
PE 17.11
Fwd PE 14.32
P/S 4.48
P/FCF 19.93
P/OCF 18.17
P/B 1.66
P/tB 2.38
EV/EBITDA N/A
EPS(TTM)1.35
EY5.84%
EPS(NY)1.61
Fwd EY6.98%
FCF(TTM)1.16
FCFY5.02%
OCF(TTM)1.27
OCFY5.5%
SpS5.15
BVpS13.94
TBVpS9.7
PEG (NY)1
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC13.85%
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 Y17.08%
EPS Next 2Y13.59%
EPS Next 3Y11.69%
EPS Next 5Y6%
Revenue 1Y (TTM)7.55%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%7.6%
Revenue Next Year9.37%
Revenue Next 2Y8.62%
Revenue Next 3Y7.1%
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%