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

NASDAQ:HBANP - Nasdaq - US4461508230 - Currency: USD

17.26  +0.07 (+0.43%)

Fundamental Rating

3

Taking everything into account, HBANP scores 3 out of 10 in our fundamental rating. HBANP was compared to 395 industry peers in the Banks industry. HBANP has a bad profitability rating. Also its financial health evaluation is rather negative. HBANP is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

HBANP had positive earnings in the past year.
HBANP had a positive operating cash flow in the past year.
Each year in the past 5 years HBANP has been profitable.
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

Looking at the Return On Assets, with a value of 0.92%, HBANP is in line with its industry, outperforming 57.22% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.39%, HBANP is in line with its industry, outperforming 59.24% of the companies in the same 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
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

HBANP's Profit Margin of 25.38% is fine compared to the rest of the industry. HBANP outperforms 61.77% of its industry peers.
In the last couple of years the Profit Margin of HBANP has declined.
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) 25.38%
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
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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0

2. Health

2.1 Basic Checks

HBANP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HBANP has been increased compared to 1 year ago.
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 8.27, which is on the high side as it means it would take HBANP, 8.27 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 8.27, HBANP is not doing good in the industry: 77.22% of the companies in the same industry are doing better.
HBANP has a Debt/Equity ratio of 0.69. This is a neutral value indicating HBANP is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.69, HBANP is not doing good in the industry: 81.01% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.69
Debt/FCF 8.27
Altman-Z N/A
ROIC/WACCN/A
WACC15.85%
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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4

3. Growth

3.1 Past

HBANP shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.55%.
The Earnings Per Share has been decreasing by -0.32% on average over the past years.
Looking at the last year, HBANP shows a small growth in Revenue. The Revenue has grown by 5.05% 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)1.55%
EPS 3Y-1.55%
EPS 5Y-0.32%
EPS Q2Q%21.43%
Revenue 1Y (TTM)5.05%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%9.51%

3.2 Future

HBANP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.00% yearly.
The Revenue is expected to grow by 4.14% on average over the next years.
EPS Next Y16.76%
EPS Next 2Y13.33%
EPS Next 3Y11.92%
EPS Next 5Y6%
Revenue Next Year8.45%
Revenue Next 2Y6.63%
Revenue Next 3Y5.89%
Revenue Next 5Y4.14%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
HBANP Yearly Revenue VS EstimatesHBANP 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
HBANP Yearly EPS VS EstimatesHBANP 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

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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.18 indicates a correct valuation of HBANP.
Compared to the rest of the industry, the Price/Earnings ratio of HBANP indicates a slightly more expensive valuation: HBANP is more expensive than 60.51% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.34, HBANP is valued a bit cheaper.
The Price/Forward Earnings ratio is 10.75, which indicates a very decent valuation of HBANP.
HBANP's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HBANP is more expensive than 63.54% of the companies in the same industry.
HBANP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.19.
Industry RankSector Rank
PE 13.18
Fwd PE 10.75
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 ratio is a bit more expensive when compared to the industry. HBANP is more expensive than 62.78% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.8
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.
PEG (NY)0.79
PEG (5Y)N/A
EPS Next 2Y13.33%
EPS Next 3Y11.92%

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5

5. Dividend

5.1 Amount

HBANP has a Yearly Dividend Yield of 3.88%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.46, HBANP pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, HBANP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.88%

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.
The dividend of HBANP decreased 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

54.07% of the earnings are spent on dividend by HBANP. This is a bit on the high side, but may be sustainable.
The dividend of HBANP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP54.07%
EPS Next 2Y13.33%
EPS Next 3Y11.92%
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 (6/18/2025, 8:00:01 PM)

17.26

+0.07 (+0.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/bmo
Earnings (Next)07-18 2025-07-18/bmo
Inst Owners88.32%
Inst Owner Change0%
Ins Owners0.99%
Ins Owner ChangeN/A
Market Cap25.15B
Analysts80
Price Target19.95 (15.59%)
Short Float %0.01%
Short Ratio1.93
Dividend
Industry RankSector Rank
Dividend Yield 3.88%
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP54.07%
Div Incr Years0
Div Non Decr Years1
Ex-Date07-01 2025-07-01 (0.28125)
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)-7.21%
PT rev (3m)-8.64%
EPS NQ rev (1m)0.11%
EPS NQ rev (3m)1.45%
EPS NY rev (1m)0%
EPS NY rev (3m)2.49%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)1.16%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)1.05%
Valuation
Industry RankSector Rank
PE 13.18
Fwd PE 10.75
P/S 3.33
P/FCF 14.8
P/OCF 13.49
P/B 1.23
P/tB 1.77
EV/EBITDA N/A
EPS(TTM)1.31
EY7.59%
EPS(NY)1.61
Fwd EY9.3%
FCF(TTM)1.17
FCFY6.76%
OCF(TTM)1.28
OCFY7.41%
SpS5.19
BVpS14.02
TBVpS9.76
PEG (NY)0.79
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
WACC15.85%
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)1.55%
EPS 3Y-1.55%
EPS 5Y-0.32%
EPS Q2Q%21.43%
EPS Next Y16.76%
EPS Next 2Y13.33%
EPS Next 3Y11.92%
EPS Next 5Y6%
Revenue 1Y (TTM)5.05%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%9.51%
Revenue Next Year8.45%
Revenue Next 2Y6.63%
Revenue Next 3Y5.89%
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%