17.295 USD
+0.06 (+0.32%)
We assign a fundamental rating of 3 out of 10 to HBANP. HBANP was compared to 388 industry peers in the Banks industry. HBANP may be in some trouble as it scores bad on both profitability and health. HBANP has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year HBANP was profitable.
In the past year HBANP had a positive cash flow from operations.
HBANP had positive earnings in each of the past 5 years.
Each year in the past 5 years HBANP had a positive operating cash flow.
1.2 Ratios
The Return On Assets of HBANP (1.00%) is better than 60.82% of its industry peers.
Looking at the Return On Equity, with a value of 9.48%, HBANP is in line with its industry, outperforming 57.99% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 9.48% | ||
| 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
1.3 Margins
With a decent Profit Margin value of 26.54%, HBANP is doing good in the industry, outperforming 64.18% of the companies in the same industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.54% | ||
| 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
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.
HBANP has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, HBANP has a worse debt to assets ratio.
2.2 Solvency
HBANP has a debt to FCF ratio of 4.56. This is a neutral value as HBANP would need 4.56 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.56, HBANP is doing worse than 68.56% of the companies in the same industry.
HBANP has a Debt/Equity ratio of 0.59. This is a neutral value indicating HBANP is somewhat dependend on debt financing.
HBANP's Debt to Equity ratio of 0.59 is on the low side compared to the rest of the industry. HBANP is outperformed by 78.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 4.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 18.18% over the past year.
HBANP 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, HBANP shows a quite strong growth in Revenue. The Revenue has grown by 11.24% in the last year.
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 5.48% on average over the next years.
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 Y18.17%
EPS Next 2Y16.62%
EPS Next 3Y16.43%
EPS Next 5Y5.48%
Revenue Next Year12.1%
Revenue Next 2Y21.2%
Revenue Next 3Y16.52%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.09, which indicates a correct valuation of HBANP.
HBANP's Price/Earnings is on the same level as the industry average.
HBANP is valuated cheaply when we compare the Price/Earnings ratio to 26.92, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 10.17, the valuation of HBANP can be described as reasonable.
HBANP's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.46, HBANP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.09 | ||
| Fwd PE | 10.17 |
4.2 Price Multiples
HBANP's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HBANP is cheaper than 69.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.5 | ||
| EV/EBITDA | N/A |
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.
HBANP's earnings are expected to grow with 16.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.67
PEG (5Y)N/A
EPS Next 2Y16.62%
EPS Next 3Y16.43%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.49%, HBANP has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.74, HBANP pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, HBANP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.49% |
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
5.3 Sustainability
48.51% 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.
DP48.51%
EPS Next 2Y16.62%
EPS Next 3Y16.43%
HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP
NASDAQ:HBANP (12/29/2025, 9:30:52 AM)
17.295
+0.06 (+0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners85.97%
Inst Owner Change0%
Ins Owners0.91%
Ins Owner ChangeN/A
Market Cap27.19B
Revenue(TTM)7.95B
Net Income(TTM)2.11B
Analysts82.22
Price Target20.03 (15.81%)
Short Float %0%
Short Ratio0.09
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.49% |
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP48.51%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.38%
Min EPS beat(2)-2.65%
Max EPS beat(2)7.42%
EPS beat(4)3
Avg EPS beat(4)4.58%
Min EPS beat(4)-2.65%
Max EPS beat(4)7.42%
EPS beat(8)7
Avg EPS beat(8)6.4%
EPS beat(12)11
Avg EPS beat(12)5.67%
EPS beat(16)12
Avg EPS beat(16)2.53%
Revenue beat(2)1
Avg Revenue beat(2)0.05%
Min Revenue beat(2)-3.12%
Max Revenue beat(2)3.21%
Revenue beat(4)3
Avg Revenue beat(4)0.72%
Min Revenue beat(4)-3.12%
Max Revenue beat(4)3.21%
Revenue beat(8)3
Avg Revenue beat(8)-0.5%
Revenue beat(12)4
Avg Revenue beat(12)-0.49%
Revenue beat(16)6
Avg Revenue beat(16)-0.63%
PT rev (1m)-11.38%
PT rev (3m)-4.96%
EPS NQ rev (1m)-0.42%
EPS NQ rev (3m)-2.06%
EPS NY rev (1m)-0.69%
EPS NY rev (3m)1.06%
Revenue NQ rev (1m)0.8%
Revenue NQ rev (3m)4.49%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)2.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.09 | ||
| Fwd PE | 10.17 | ||
| P/S | 3.42 | ||
| P/FCF | 9.5 | ||
| P/OCF | 8.95 | ||
| P/B | 1.22 | ||
| P/tB | 1.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.43
EY8.27%
EPS(NY)1.7
Fwd EY9.83%
FCF(TTM)1.82
FCFY10.53%
OCF(TTM)1.93
OCFY11.17%
SpS5.05
BVpS14.15
TBVpS10.21
PEG (NY)0.67
PEG (5Y)N/A
Graham Number21.34
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 9.48% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.54% | ||
| GM | N/A | ||
| FCFM | 36.02% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 4.56 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 25.07% | ||
| Cap/Sales | 2.21% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 135.7% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.79%
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 Y18.17%
EPS Next 2Y16.62%
EPS Next 3Y16.43%
EPS Next 5Y5.48%
Revenue 1Y (TTM)11.24%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%13.99%
Revenue Next Year12.1%
Revenue Next 2Y21.2%
Revenue Next 3Y16.52%
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-4.18%
FCF growth 3Y-2.7%
FCF growth 5Y2.65%
OCF growth 1Y-2.5%
OCF growth 3Y-4.16%
OCF growth 5Y2.89%
HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP / HBANP FAQ
What is the ChartMill fundamental rating of HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP (HBANP) stock?
ChartMill assigns a fundamental rating of 3 / 10 to HBANP.
What is the valuation status for HBANP stock?
ChartMill assigns a valuation rating of 5 / 10 to HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP (HBANP). This can be considered as Fairly Valued.
Can you provide the profitability details for HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP?
HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP (HBANP) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for HBANP stock?
The Price/Earnings (PE) ratio for HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP (HBANP) is 12.09 and the Price/Book (PB) ratio is 1.22.
Can you provide the financial health for HBANP stock?
The financial health rating of HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP (HBANP) is 0 / 10.