HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP(NASDAQ:HBANL) stock Fundamental Analysis

Fundamental Rating

Overall HBANL gets a fundamental rating of 2 out of 10. We evaluated HBANL against 405 industry peers in the Banks industry. Both the profitability and financial health of HBANL have multiple concerns. HBANL does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

In the past year HBANL was profitable.

In the past year HBANL had a positive cash flow from operations.

HBANL had positive earnings in 4 of the past 5 years.

HBANL had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

HBANL's Return On Assets of 0.76% is in line compared to the rest of the industry. HBANL outperforms 45.98% of its industry peers.

HBANL has a Return On Equity (7.37%) which is in line with its industry peers.

		Industry Rank	Sector Rank
ROA	0.76%
ROE	7.37%
ROIC	N/A

ROA(3y)0.93%

ROA(5y)0.92%

ROE(3y)9.12%

ROE(5y)8.84%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 21.22%, HBANL perfoms like the industry average, outperforming 44.47% of the companies in the same industry.

HBANL's Profit Margin has declined in the last couple of years.

HBANL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	21.22%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y18.35%

PM growth 5Y-3.39%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

HBANL does not have a ROIC to compare to the WACC, probably because it is not profitable.

There is no outstanding debt for HBANL. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

HBANL has a debt to FCF ratio of 11.20. This is a negative value and a sign of low solvency as HBANL would need 11.20 years to pay back of all of its debts.

HBANL has a worse Debt to FCF ratio (11.20) than 73.62% of its industry peers.

A Debt/Equity ratio of 0.57 indicates that HBANL is somewhat dependend on debt financing.

HBANL has a worse Debt to Equity ratio (0.57) than 79.65% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.57
Debt/FCF	11.2
Altman-Z	N/A

ROIC/WACCN/A

WACC12.52%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

HBANL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.71%.

HBANL shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.32% yearly.

EPS 1Y (TTM)-10.71%

EPS 3Y-1.55%

EPS 5Y-0.32%

EPS Q2Q%13.33%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%13.63%

3.2 Future

HBANL is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.00% yearly.

Based on estimates for the next years, HBANL will show a small growth in Revenue. The Revenue will grow by 3.94% on average per year.

EPS Next Y9.55%

EPS Next 2Y11.32%

EPS Next 3Y2.25%

EPS Next 5Y6%

Revenue Next Year5.81%

Revenue Next 2Y5.33%

Revenue Next 3Y3.33%

Revenue Next 5Y3.94%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 20.32, HBANL is valued on the expensive side.

HBANL's Price/Earnings ratio is a bit more expensive when compared to the industry. HBANL is more expensive than 77.89% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.96. HBANL is valued slightly cheaper when compared to this.

With a Price/Forward Earnings ratio of 18.55, HBANL is valued on the expensive side.

HBANL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HBANL is more expensive than 75.38% of the companies in the same industry.

HBANL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.11, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	20.32
Fwd PE	18.55

4.2 Price Multiples

79.15% of the companies in the same industry are cheaper than HBANL, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	35.04
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates HBANL does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)2.13

PEG (5Y)N/A

EPS Next 2Y11.32%

EPS Next 3Y2.25%

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5. Dividend

5.1 Amount

HBANL has a Yearly Dividend Yield of 3.68%.

HBANL's Dividend Yield is a higher than the industry average which is at 3.24.

HBANL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.29.

		Industry Rank	Sector Rank
Dividend Yield	3.68%

5.2 History

The dividend of HBANL has a limited annual growth rate of 5.35%.

HBANL is new to the dividend game and has less than 3 years of track record.

Dividend Growth(5Y)5.35%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

HBANL pays out 68.97% of its income as dividend. This is not a sustainable payout ratio.

The dividend of HBANL is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.

DP68.97%

EPS Next 2Y11.32%

EPS Next 3Y2.25%

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HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP

NASDAQ:HBANL (1/17/2025, 8:05:33 PM)

25.4

-0.19 (-0.74%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-17 2025-01-17/bmo

Earnings (Next)N/A N/A

Inst Owners85.57%

Inst Owner ChangeN/A

Ins Owners1.07%

Ins Owner ChangeN/A

Market Cap36.90B

Analysts76.3

Price Target30.14 (18.66%)

Short Float %0%

Short Ratio1.46

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.68%

Yearly Dividend0.72

Dividend Growth(5Y)5.35%

DP68.97%

Div Incr Years1

Div Non Decr Years1

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)6.59%

Min EPS beat(2)4.87%

Max EPS beat(2)8.31%

EPS beat(4)4

Avg EPS beat(4)8.23%

Min EPS beat(4)4.87%

Max EPS beat(4)9.94%

EPS beat(8)8

Avg EPS beat(8)6.22%

EPS beat(12)9

Avg EPS beat(12)1.85%

EPS beat(16)11

Avg EPS beat(16)2.27%

Revenue beat(2)0

Avg Revenue beat(2)-1.13%

Min Revenue beat(2)-1.63%

Max Revenue beat(2)-0.63%

Revenue beat(4)0

Avg Revenue beat(4)-1.73%

Min Revenue beat(4)-3.99%

Max Revenue beat(4)-0.63%

Revenue beat(8)1

Avg Revenue beat(8)-1.1%

Revenue beat(12)3

Avg Revenue beat(12)-1.08%

Revenue beat(16)4

Avg Revenue beat(16)-0.66%

PT rev (1m)11.81%

PT rev (3m)0.58%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-9.45%

EPS NY rev (1m)0%

EPS NY rev (3m)1.55%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-3.39%

Revenue NY rev (1m)0.07%

Revenue NY rev (3m)0.11%

Valuation

		Industry Rank	Sector Rank
PE	20.32
Fwd PE	18.55
P/S	5.16
P/FCF	35.04
P/OCF	30.03
P/B	1.79
P/tB	2.56
EV/EBITDA	N/A

EPS(TTM)1.25

EY4.92%

EPS(NY)1.37

Fwd EY5.39%

FCF(TTM)0.72

FCFY2.85%

OCF(TTM)0.85

OCFY3.33%

SpS4.92

BVpS14.18

TBVpS9.92

PEG (NY)2.13

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.76%
ROE	7.37%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	21.22%
GM	N/A
FCFM	14.72%

ROA(3y)0.93%

ROA(5y)0.92%

ROE(3y)9.12%

ROE(5y)8.84%

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 3Y18.35%

PM growth 5Y-3.39%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.57
Debt/FCF	11.2
Debt/EBITDA	N/A
Cap/Depr	24.04%
Cap/Sales	2.46%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	69.37%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC12.52%

ROIC/WACCN/A

Cap/Depr(3y)41.64%

Cap/Depr(5y)37.02%

Cap/Sales(3y)2.99%

Cap/Sales(5y)2.75%

Profit Quality(3y)158.46%

Profit Quality(5y)150.6%

High Growth Momentum

Growth

EPS 1Y (TTM)-10.71%

EPS 3Y-1.55%

EPS 5Y-0.32%

EPS Q2Q%13.33%

EPS Next Y9.55%

EPS Next 2Y11.32%

EPS Next 3Y2.25%

EPS Next 5Y6%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%13.63%

Revenue Next Year5.81%

Revenue Next 2Y5.33%

Revenue Next 3Y3.33%

Revenue Next 5Y3.94%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year18.48%

EBIT Next 3Y10.04%

EBIT Next 5YN/A

FCF growth 1Y-63.84%

FCF growth 3Y27.87%

FCF growth 5Y9.27%

OCF growth 1Y-61.19%

OCF growth 3Y26.17%

OCF growth 5Y9.01%

HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP (HBANL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens