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HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP (HBANP) Stock Fundamental Analysis

USA - NASDAQ:HBANP - US4461508230

18.5 USD
-0.13 (-0.7%)
Last: 9/25/2025, 8:00:02 PM
Fundamental Rating

3

Overall HBANP gets a fundamental rating of 3 out of 10. We evaluated HBANP against 392 industry peers in the Banks industry. HBANP has a bad profitability rating. Also its financial health evaluation is rather negative. HBANP has a correct valuation and a medium growth rate. HBANP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year HBANP was profitable.
HBANP had a positive operating cash flow in the past year.
HBANP had positive earnings in each of the past 5 years.
In the past 5 years HBANP always reported a positive cash flow from operatings.
HBANP Yearly Net Income VS EBIT VS OCF VS FCFHBANP 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

With a Return On Assets value of 0.96%, HBANP perfoms like the industry average, outperforming 59.95% of the companies in the same industry.
With a decent Return On Equity value of 9.50%, HBANP is doing good in the industry, outperforming 61.22% of the companies in the same industry.
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
HBANP Yearly ROA, ROE, ROICHBANP 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

With a decent Profit Margin value of 25.89%, HBANP is doing good in the industry, outperforming 63.52% of the companies in the same industry.
HBANP's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for HBANP 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
HBANP Yearly Profit, Operating, Gross MarginsHBANP 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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2. Health

2.1 Basic Checks

HBANP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, HBANP has more shares outstanding
Compared to 5 years ago, HBANP has more shares outstanding
HBANP has a worse debt/assets ratio than last year.
HBANP Yearly Shares OutstandingHBANP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B
HBANP Yearly Total Debt VS Total AssetsHBANP 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 HBANP is 6.88, which is on the high side as it means it would take HBANP, 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, HBANP is doing worse than 72.19% of the companies in the same industry.
HBANP has a Debt/Equity ratio of 0.64. This is a neutral value indicating HBANP is somewhat dependend on debt financing.
The Debt to Equity ratio of HBANP (0.64) is worse than 79.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF 6.88
Altman-Z N/A
ROIC/WACCN/A
WACC15%
HBANP Yearly LT Debt VS Equity VS FCFHBANP 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
HBANP Yearly Current Assets VS Current LiabilitesHBANP 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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3. Growth

3.1 Past

HBANP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.87%, which is quite good.
Measured over the past years, HBANP shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.32% on average per year.
Looking at the last year, HBANP shows a small growth in Revenue. The Revenue has grown by 7.35% in the last year.
HBANP 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, HBANP will show a small growth in Earnings Per Share. The EPS will grow by 5.35% on average per year.
Based on estimates for the next years, HBANP will show a small growth in Revenue. The Revenue will grow by 4.41% on average per year.
EPS Next Y16.92%
EPS Next 2Y13.14%
EPS Next 3Y12.05%
EPS Next 5Y5.35%
Revenue Next Year9.55%
Revenue Next 2Y8.97%
Revenue Next 3Y7.4%
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.
HBANP Yearly Revenue VS EstimatesHBANP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2B 4B 6B 8B 10B
HBANP Yearly EPS VS EstimatesHBANP 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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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.70, the valuation of HBANP can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of HBANP is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.06, HBANP is valued a bit cheaper.
With a Price/Forward Earnings ratio of 11.56, the valuation of HBANP can be described as very reasonable.
Based on the Price/Forward Earnings ratio, HBANP is valued a bit more expensive than the industry average as 60.20% of the companies are valued more cheaply.
HBANP is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.64, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.7
Fwd PE 11.56
HBANP Price Earnings VS Forward Price EarningsHBANP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

HBANP's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.01
EV/EBITDA N/A
HBANP Per share dataHBANP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

HBANP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
HBANP's earnings are expected to grow with 12.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.81
PEG (5Y)N/A
EPS Next 2Y13.14%
EPS Next 3Y12.05%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.61%, HBANP is a good candidate for dividend investing.
HBANP's Dividend Yield is rather good when compared to the industry average which is at 3.47. HBANP pays more dividend than 92.60% of the companies in the same industry.
HBANP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 6.61%

5.2 History

The dividend of HBANP has a limited annual growth rate of 2.11%.
HBANP has been paying a dividend for over 5 years, so it has already some track record.
HBANP has decreased its dividend recently.
Dividend Growth(5Y)2.11%
Div Incr Years0
Div Non Decr Years1
HBANP Yearly Dividends per shareHBANP Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

51.86% of the earnings are spent on dividend by HBANP. This is a bit on the high side, but may be sustainable.
HBANP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP51.86%
EPS Next 2Y13.14%
EPS Next 3Y12.05%
HBANP Yearly Income VS Free CF VS DividendHBANP 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
HBANP Dividend Payout.HBANP Dividend Payout, showing the Payout Ratio.HBANP Dividend Payout.PayoutRetained Earnings

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HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP

NASDAQ:HBANP (9/25/2025, 8:00:02 PM)

18.5

-0.13 (-0.7%)

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 Change0%
Ins Owners0.99%
Ins Owner ChangeN/A
Market Cap27.12B
Analysts82.22
Price Target21.07 (13.89%)
Short Float %0%
Short Ratio1.66
Dividend
Industry RankSector Rank
Dividend Yield 6.61%
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP51.86%
Div Incr Years0
Div Non Decr Years1
Ex-Date10-01 2025-10-01 (0.28125)
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)-4.87%
PT rev (3m)5.62%
EPS NQ rev (1m)-0.08%
EPS NQ rev (3m)0.49%
EPS NY rev (1m)0%
EPS NY rev (3m)0.13%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)1.37%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)1.01%
Valuation
Industry RankSector Rank
PE 13.7
Fwd PE 11.56
P/S 3.53
P/FCF 14.01
P/OCF 12.83
P/B 1.3
P/tB 1.84
EV/EBITDA N/A
EPS(TTM)1.35
EY7.3%
EPS(NY)1.6
Fwd EY8.65%
FCF(TTM)1.32
FCFY7.14%
OCF(TTM)1.44
OCFY7.79%
SpS5.24
BVpS14.28
TBVpS10.04
PEG (NY)0.81
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
WACC15%
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 Year9.55%
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%