HUNTINGTON BANCSHARES - HBAN 5 1/2 PERP (HBANZ) Fundamental Analysis & Valuation

NASDAQ:HBANZ • US4461507570

Current stock price

20.96 USD
+0.08 (+0.38%)
Last:

This HBANZ fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. HBANZ Profitability Analysis

1.1 Basic Checks

  • In the past year HBANZ was profitable.
  • In the past year HBANZ had a positive cash flow from operations.
  • Each year in the past 5 years HBANZ has been profitable.
  • HBANZ had a positive operating cash flow in each of the past 5 years.
HBANZ Yearly Net Income VS EBIT VS OCF VS FCFHBANZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

1.2 Ratios

  • HBANZ's Return On Assets of 0.93% is in line compared to the rest of the industry. HBANZ outperforms 46.05% of its industry peers.
  • HBANZ has a Return On Equity of 8.57%. This is comparable to the rest of the industry: HBANZ outperforms 41.32% of its industry peers.
Industry RankSector Rank
ROA 0.93%
ROE 8.57%
ROIC N/A
ROA(3y)0.92%
ROA(5y)0.92%
ROE(3y)9.03%
ROE(5y)9.01%
ROIC(3y)N/A
ROIC(5y)N/A
HBANZ Yearly ROA, ROE, ROICHBANZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 25.56%, HBANZ is in line with its industry, outperforming 50.00% of the companies in the same industry.
  • In the last couple of years the Profit Margin of HBANZ has grown nicely.
  • HBANZ does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 25.56%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.45%
PM growth 5Y11.41%
GM growth 3YN/A
GM growth 5YN/A
HBANZ Yearly Profit, Operating, Gross MarginsHBANZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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1

2. HBANZ Health Analysis

2.1 Basic Checks

  • HBANZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • HBANZ has more shares outstanding than it did 1 year ago.
  • HBANZ has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, HBANZ has an improved debt to assets ratio.
HBANZ Yearly Shares OutstandingHBANZ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
HBANZ Yearly Total Debt VS Total AssetsHBANZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

2.2 Solvency

  • HBANZ has a debt to FCF ratio of 5.85. This is a neutral value as HBANZ would need 5.85 years to pay back of all of its debts.
  • The Debt to FCF ratio of HBANZ (5.85) is worse than 73.42% of its industry peers.
  • A Debt/Equity ratio of 0.53 indicates that HBANZ is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.53, HBANZ is doing worse than 77.11% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 5.85
Altman-Z N/A
ROIC/WACCN/A
WACC12.16%
HBANZ Yearly LT Debt VS Equity VS FCFHBANZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HBANZ Yearly Current Assets VS Current LiabilitesHBANZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. HBANZ Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 16.80% over the past year.
  • The Earnings Per Share has been growing by 15.84% on average over the past years. This is quite good.
  • HBANZ shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.71%.
  • Measured over the past years, HBANZ shows a quite strong growth in Revenue. The Revenue has been growing by 11.14% on average per year.
EPS 1Y (TTM)16.8%
EPS 3Y0.23%
EPS 5Y15.84%
EPS Q2Q%8.82%
Revenue 1Y (TTM)10.71%
Revenue growth 3Y4.03%
Revenue growth 5Y11.14%
Sales Q2Q%12.13%

3.2 Future

  • Based on estimates for the next years, HBANZ will show a small growth in Earnings Per Share. The EPS will grow by 6.81% on average per year.
  • The Revenue is expected to grow by 15.87% on average over the next years. This is quite good.
EPS Next Y11.28%
EPS Next 2Y15.43%
EPS Next 3Y11.98%
EPS Next 5Y6.81%
Revenue Next Year38.43%
Revenue Next 2Y22.82%
Revenue Next 3Y15.87%
Revenue Next 5YN/A

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 decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
HBANZ Yearly Revenue VS EstimatesHBANZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B 8B 10B
HBANZ Yearly EPS VS EstimatesHBANZ Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 0.5 1 1.5 2

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2

4. HBANZ Valuation Analysis

4.1 Price/Earnings Ratio

  • HBANZ is valuated correctly with a Price/Earnings ratio of 14.36.
  • Based on the Price/Earnings ratio, HBANZ is valued a bit more expensive than 65.53% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.91. HBANZ is valued slightly cheaper when compared to this.
  • HBANZ is valuated correctly with a Price/Forward Earnings ratio of 12.90.
  • 67.63% of the companies in the same industry are cheaper than HBANZ, based on the Price/Forward Earnings ratio.
  • HBANZ's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.68.
Industry RankSector Rank
PE 14.36
Fwd PE 12.9
HBANZ Price Earnings VS Forward Price EarningsHBANZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • HBANZ's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. HBANZ is more expensive than 72.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19.28
EV/EBITDA N/A
HBANZ Per share dataHBANZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.27
PEG (5Y)0.91
EPS Next 2Y15.43%
EPS Next 3Y11.98%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. HBANZ Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.11%, HBANZ is a good candidate for dividend investing.
  • HBANZ's Dividend Yield is rather good when compared to the industry average which is at 2.73. HBANZ pays more dividend than 83.42% of the companies in the same industry.
  • HBANZ's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 4.11%

5.2 History

  • The dividend of HBANZ decreases each year by -0.38%.
  • HBANZ is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)-0.38%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • HBANZ pays out 48.68% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP48.68%
EPS Next 2Y15.43%
EPS Next 3Y11.98%
HBANZ Yearly Income VS Free CF VS DividendHBANZ Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
HBANZ Dividend Payout.HBANZ Dividend Payout, showing the Payout Ratio.HBANZ Dividend Payout.PayoutRetained Earnings

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HBANZ Fundamentals: All Metrics, Ratios and Statistics

HUNTINGTON BANCSHARES - HBAN 5 1/2 PERP

NASDAQ:HBANZ (4/9/2026, 8:00:02 PM)

20.96

+0.08 (+0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners72.48%
Inst Owner ChangeN/A
Ins Owners0.74%
Ins Owner ChangeN/A
Market Cap42.70B
Revenue(TTM)8.17B
Net Income(TTM)2.09B
Analysts82.14
Price TargetN/A
Short Float %0%
Short Ratio0.59
Dividend
Industry RankSector Rank
Dividend Yield 4.11%
Yearly Dividend0.67
Dividend Growth(5Y)-0.38%
DP48.68%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.37%
Min EPS beat(2)-0.67%
Max EPS beat(2)7.42%
EPS beat(4)2
Avg EPS beat(4)2.7%
Min EPS beat(4)-2.65%
Max EPS beat(4)7.42%
EPS beat(8)6
Avg EPS beat(8)5.09%
EPS beat(12)10
Avg EPS beat(12)5.51%
EPS beat(16)12
Avg EPS beat(16)3.82%
Revenue beat(2)1
Avg Revenue beat(2)0.25%
Min Revenue beat(2)-2.71%
Max Revenue beat(2)3.21%
Revenue beat(4)1
Avg Revenue beat(4)-0.89%
Min Revenue beat(4)-3.92%
Max Revenue beat(4)3.21%
Revenue beat(8)2
Avg Revenue beat(8)-0.96%
Revenue beat(12)3
Avg Revenue beat(12)-1.16%
Revenue beat(16)5
Avg Revenue beat(16)-0.92%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)-1.44%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.37%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 14.36
Fwd PE 12.9
P/S 5.23
P/FCF 19.28
P/OCF 17.2
P/B 1.75
P/tB 2.43
EV/EBITDA N/A
EPS(TTM)1.46
EY6.97%
EPS(NY)1.62
Fwd EY7.75%
FCF(TTM)1.09
FCFY5.19%
OCF(TTM)1.22
OCFY5.81%
SpS4.01
BVpS11.95
TBVpS8.64
PEG (NY)1.27
PEG (5Y)0.91
Graham Number19.81
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 8.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.56%
GM N/A
FCFM 27.12%
ROA(3y)0.92%
ROA(5y)0.92%
ROE(3y)9.03%
ROE(5y)9.01%
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 3Y-4.45%
PM growth 5Y11.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 5.85
Debt/EBITDA N/A
Cap/Depr 35.04%
Cap/Sales 3.27%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 106.13%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC12.16%
ROIC/WACCN/A
Cap/Depr(3y)25.19%
Cap/Depr(5y)36.59%
Cap/Sales(3y)2.37%
Cap/Sales(5y)2.84%
Profit Quality(3y)112.5%
Profit Quality(5y)134.87%
High Growth Momentum
Growth
EPS 1Y (TTM)16.8%
EPS 3Y0.23%
EPS 5Y15.84%
EPS Q2Q%8.82%
EPS Next Y11.28%
EPS Next 2Y15.43%
EPS Next 3Y11.98%
EPS Next 5Y6.81%
Revenue 1Y (TTM)10.71%
Revenue growth 3Y4.03%
Revenue growth 5Y11.14%
Sales Q2Q%12.13%
Revenue Next Year38.43%
Revenue Next 2Y22.82%
Revenue Next 3Y15.87%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year26.66%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y32.48%
FCF growth 3Y-16.56%
FCF growth 5Y12.97%
OCF growth 1Y36.75%
OCF growth 3Y-14.9%
OCF growth 5Y13.41%

HUNTINGTON BANCSHARES - HBAN 5 1/2 PERP / HBANZ Fundamental Analysis FAQ

What is the ChartMill fundamental rating of HUNTINGTON BANCSHARES - HBAN 5 1/2 PERP (HBANZ) stock?

ChartMill assigns a fundamental rating of 3 / 10 to HBANZ.


Can you provide the valuation status for HUNTINGTON BANCSHARES - HBAN 5 1/2 PERP?

ChartMill assigns a valuation rating of 2 / 10 to HUNTINGTON BANCSHARES - HBAN 5 1/2 PERP (HBANZ). This can be considered as Overvalued.


What is the profitability of HBANZ stock?

HUNTINGTON BANCSHARES - HBAN 5 1/2 PERP (HBANZ) has a profitability rating of 3 / 10.


What is the valuation of HUNTINGTON BANCSHARES - HBAN 5 1/2 PERP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for HUNTINGTON BANCSHARES - HBAN 5 1/2 PERP (HBANZ) is 14.36 and the Price/Book (PB) ratio is 1.75.


What is the earnings growth outlook for HUNTINGTON BANCSHARES - HBAN 5 1/2 PERP?

The Earnings per Share (EPS) of HUNTINGTON BANCSHARES - HBAN 5 1/2 PERP (HBANZ) is expected to grow by 11.28% in the next year.