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

USA - NASDAQ:HBANM - US4461507810

23.34 USD
-0.05 (-0.19%)
Last: 10/27/2025, 8:25:21 PM
Fundamental Rating

3

HBANM gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. HBANM has a bad profitability rating. Also its financial health evaluation is rather negative. HBANM is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

HBANM had positive earnings in the past year.
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.
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 has a Return On Assets (0.96%) which is comparable to the rest of the industry.
HBANM's Return On Equity of 9.50% is in line compared to the rest of the industry. HBANM outperforms 59.49% 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 63.59% of its industry peers.
HBANM's Profit Margin has declined in the last couple of years.
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

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
HBANM has a worse debt/assets ratio than last year.
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's Debt to FCF ratio of 6.88 is on the low side compared to the rest of the industry. HBANM is outperformed by 73.33% of its industry peers.
A Debt/Equity ratio of 0.64 indicates that HBANM is somewhat dependend on debt financing.
The Debt to Equity ratio of HBANM (0.64) is worse than 80.26% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF 6.88
Altman-Z N/A
ROIC/WACCN/A
WACC13.71%
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

5

3. Growth

3.1 Past

HBANM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.18%, which is quite good.
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.
The Revenue has grown by 11.24% in the past year. This is quite good.
The Revenue has been growing by 9.61% on average over the past years. This is quite good.
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

The Earnings Per Share is expected to grow by 5.35% 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 4.41% yearly.
EPS Next Y20.01%
EPS Next 2Y15%
EPS Next 3Y13.24%
EPS Next 5Y5.35%
Revenue Next Year11.04%
Revenue Next 2Y10.37%
Revenue Next 3Y5.4%
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.
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 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

3

4. Valuation

4.1 Price/Earnings Ratio

HBANM is valuated correctly with a Price/Earnings ratio of 16.32.
HBANM's Price/Earnings ratio is a bit more expensive when compared to the industry. HBANM is more expensive than 74.10% of the companies in the same industry.
When comparing the Price/Earnings ratio of HBANM to the average of the S&P500 Index (27.08), we can say HBANM is valued slightly cheaper.
The Price/Forward Earnings ratio is 14.12, which indicates a correct valuation of HBANM.
72.31% of the companies in the same industry are cheaper than HBANM, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.09, HBANM is valued a bit cheaper.
Industry RankSector Rank
PE 16.32
Fwd PE 14.12
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 65.64% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 17.59
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as HBANM's earnings are expected to grow with 13.24% in the coming years.
PEG (NY)0.82
PEG (5Y)N/A
EPS Next 2Y15%
EPS Next 3Y13.24%

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.91%, HBANM has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.50, HBANM pays a bit more dividend than its industry peers.
HBANM's Dividend Yield is rather good when compared to the S&P500 average which is at 2.30.
Industry RankSector Rank
Dividend Yield 3.91%

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 2Y15%
EPS Next 3Y13.24%
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

HUNTINGTON BANCSHARES - HBAN 5.7 PERP

NASDAQ:HBANM (10/27/2025, 8:25:21 PM)

23.34

-0.05 (-0.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-17 2025-10-17/bmo
Earnings (Next)01-22 2026-01-22/amc
Inst Owners88.73%
Inst Owner ChangeN/A
Ins Owners0.98%
Ins Owner ChangeN/A
Market Cap34.06B
Revenue(TTM)7.95B
Net Income(TTM)1.99B
Analysts82.22
Price Target27.33 (17.1%)
Short Float %0%
Short Ratio0.06
Dividend
Industry RankSector Rank
Dividend Yield 3.91%
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)2.93%
PT rev (3m)4.47%
EPS NQ rev (1m)1%
EPS NQ rev (3m)-1.04%
EPS NY rev (1m)2.64%
EPS NY rev (3m)2.5%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)0.39%
Revenue NY rev (1m)1.37%
Revenue NY rev (3m)1.92%
Valuation
Industry RankSector Rank
PE 16.32
Fwd PE 14.12
P/S 4.44
P/FCF 17.59
P/OCF 16.12
P/B 1.63
P/tB 2.31
EV/EBITDA N/A
EPS(TTM)1.43
EY6.13%
EPS(NY)1.65
Fwd EY7.08%
FCF(TTM)1.33
FCFY5.68%
OCF(TTM)1.45
OCFY6.2%
SpS5.26
BVpS14.34
TBVpS10.09
PEG (NY)0.82
PEG (5Y)N/A
Graham Number21.48
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
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 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
WACC13.71%
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 Y20.01%
EPS Next 2Y15%
EPS Next 3Y13.24%
EPS Next 5Y5.35%
Revenue 1Y (TTM)11.24%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%13.99%
Revenue Next Year11.04%
Revenue Next 2Y10.37%
Revenue Next 3Y5.4%
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%

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 16.32 and the Price/Book (PB) ratio is 1.63.


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 51.86%.