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

NASDAQ:HBANP - Nasdaq - US4461508230 - Currency: USD

17.92  +0.01 (+0.06%)

Fundamental Rating

3

HBANP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 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.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

HBANP had positive earnings in the past year.
In the past year HBANP had a positive cash flow from operations.
In the past 5 years HBANP has always 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

HBANP has a Return On Assets of 0.92%. This is comparable to the rest of the industry: HBANP outperforms 57.25% of its industry peers.
HBANP has a better Return On Equity (9.39%) than 60.05% of its industry peers.
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

With a decent Profit Margin value of 25.38%, HBANP is doing good in the industry, outperforming 61.83% 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 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.
HBANP has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, HBANP has a worse debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 8.27, HBANP is doing worse than 76.84% of the companies in the same industry.
HBANP has a Debt/Equity ratio of 0.69. This is a neutral value indicating HBANP is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.69, HBANP is doing worse than 81.17% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.69
Debt/FCF 8.27
Altman-Z N/A
ROIC/WACCN/A
WACC14.77%
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

The Earnings Per Share has grown by an nice 8.87% 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 small growth in Revenue. The Revenue has grown by 7.55% 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)7.55%
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 6.00% on average per year.
HBANP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.14% yearly.
EPS Next Y17.08%
EPS Next 2Y13.59%
EPS Next 3Y11.69%
EPS Next 5Y6%
Revenue Next Year8.95%
Revenue Next 2Y7.1%
Revenue Next 3Y6.23%
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.
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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4

4. Valuation

4.1 Price/Earnings Ratio

HBANP is valuated correctly with a Price/Earnings ratio of 13.27.
Based on the Price/Earnings ratio, HBANP is valued a bit more expensive than the industry average as 60.05% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of HBANP to the average of the S&P500 Index (26.82), we can say HBANP is valued rather cheaply.
With a Price/Forward Earnings ratio of 11.11, the valuation of HBANP can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HBANP indicates a slightly more expensive valuation: HBANP is more expensive than 61.07% of the companies listed 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 36.21.
Industry RankSector Rank
PE 13.27
Fwd PE 11.11
HBANP Price Earnings VS Forward Price EarningsHBANP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, HBANP is valued a bit more expensive than 62.34% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.46
EV/EBITDA N/A
HBANP Per share dataHBANP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 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.
PEG (NY)0.78
PEG (5Y)N/A
EPS Next 2Y13.59%
EPS Next 3Y11.69%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.71%, HBANP is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.48, HBANP pays a bit more dividend than its industry peers.
HBANP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 6.71%

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

HBANP pays out 54.07% of its income as dividend. 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 2Y13.59%
EPS Next 3Y11.69%
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 (8/1/2025, 8:00:02 PM)

17.92

+0.01 (+0.06%)

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 Change0%
Ins Owners0.99%
Ins Owner ChangeN/A
Market Cap26.27B
Analysts80.71
Price Target20.72 (15.62%)
Short Float %0%
Short Ratio0.32
Dividend
Industry RankSector Rank
Dividend Yield 6.71%
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP54.07%
Div Incr Years0
Div Non Decr Years1
Ex-Date10-01 2025-10-01 (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)3.69%
PT rev (3m)-6.38%
EPS NQ rev (1m)-2.61%
EPS NQ rev (3m)-0.92%
EPS NY rev (1m)0.02%
EPS NY rev (3m)3.13%
Revenue NQ rev (1m)0.3%
Revenue NQ rev (3m)1.26%
Revenue NY rev (1m)0.39%
Revenue NY rev (3m)1.03%
Valuation
Industry RankSector Rank
PE 13.27
Fwd PE 11.11
P/S 3.48
P/FCF 15.46
P/OCF 14.09
P/B 1.29
P/tB 1.85
EV/EBITDA N/A
EPS(TTM)1.35
EY7.53%
EPS(NY)1.61
Fwd EY9%
FCF(TTM)1.16
FCFY6.47%
OCF(TTM)1.27
OCFY7.1%
SpS5.15
BVpS13.94
TBVpS9.7
PEG (NY)0.78
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
WACC14.77%
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 Year8.95%
Revenue Next 2Y7.1%
Revenue Next 3Y6.23%
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%