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 404 industry peers in the Banks industry. Both the profitability and financial health of HBANL have multiple concerns. While showing a medium growth rate, HBANL is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year HBANL was profitable.

HBANL had a positive operating cash flow in the past year.

In the past 5 years HBANL has always been profitable.

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

1.2 Ratios

With a Return On Assets value of 0.76%, HBANL perfoms like the industry average, outperforming 44.97% of the companies in the same industry.

HBANL has a Return On Equity (7.37%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.76%
ROE	7.37%
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 Profit Margin value of 21.22%, HBANL perfoms like the industry average, outperforming 43.72% of the companies in the same industry.

In the last couple of years the Profit Margin of HBANL has declined.

The Operating Margin and Gross Margin are not available for HBANL so they could not be analyzed.

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

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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.

The number of shares outstanding for HBANL has been increased compared to 1 year ago.

The number of shares outstanding for HBANL has been increased compared to 5 years ago.

HBANL has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of HBANL is 11.20, which is on the high side as it means it would take HBANL, 11.20 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 11.20, HBANL is doing worse than 73.12% of the companies in the same industry.

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

Looking at the Debt to Equity ratio, with a value of 0.57, HBANL is doing worse than 79.40% of the companies in the same industry.

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

ROIC/WACCN/A

WACC12.46%

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

The earnings per share for HBANL have decreased strongly by -10.71% in the last year.

HBANL 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, HBANL shows a small growth in Revenue. The Revenue has grown by 0.34% in the last year.

Measured over the past years, HBANL shows a quite strong growth in Revenue. The Revenue has been growing by 9.61% on average per year.

EPS 1Y (TTM)-10.71%

EPS 3Y-1.55%

EPS 5Y-0.32%

EPS Q2Q%13.33%

Revenue 1Y (TTM)0.34%

Revenue growth 3Y7.22%

Revenue growth 5Y9.61%

Sales Q2Q%13.63%

3.2 Future

The Earnings Per Share is expected to grow by 6.00% on average over the next years.

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 Y13.92%

EPS Next 2Y13.3%

EPS Next 3Y13.25%

EPS Next 5Y6%

Revenue Next Year7.24%

Revenue Next 2Y6.67%

Revenue Next 3Y5.74%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 20.35, which indicates a rather expensive current valuation of HBANL.

HBANL's Price/Earnings ratio is a bit more expensive when compared to the industry. HBANL is more expensive than 79.90% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 30.30, HBANL is valued a bit cheaper.

With a Price/Forward Earnings ratio of 17.86, HBANL is valued on the expensive side.

Based on the Price/Forward Earnings ratio, HBANL is valued a bit more expensive than 73.87% of the companies in the same industry.

HBANL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.06.

		Industry Rank	Sector Rank
PE	20.35
Fwd PE	17.86

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, HBANL is valued a bit more expensive than 77.89% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	35.11
EV/EBITDA	N/A

4.3 Compensation for Growth

HBANL's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

A more expensive valuation may be justified as HBANL's earnings are expected to grow with 13.25% in the coming years.

PEG (NY)1.46

PEG (5Y)N/A

EPS Next 2Y13.3%

EPS Next 3Y13.25%

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5. Dividend

5.1 Amount

HBANL has a Yearly Dividend Yield of 3.73%.

Compared to an average industry Dividend Yield of 3.16, HBANL pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.29, HBANL pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.73%

5.2 History

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

HBANL has paid a dividend for less than 5 years, so there is no long track record yet.

Dividend Growth(5Y)5.35%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

68.97% of the earnings are spent on dividend by HBANL. 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 2Y13.3%

EPS Next 3Y13.25%

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HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP

NASDAQ:HBANL (2/21/2025, 3:35:35 PM)

25.4339

+0.01 (+0.05%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)04-17 2025-04-17/bmo

Inst Owners85.57%

Inst Owner ChangeN/A

Ins Owners1.07%

Ins Owner ChangeN/A

Market Cap36.97B

Analysts76.43

Price Target28.89 (13.59%)

Short Float %0%

Short Ratio1.85

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.73%

Yearly Dividend0.72

Dividend Growth(5Y)5.35%

DP68.97%

Div Incr Years1

Div Non Decr Years1

Ex-Date04-01 2025-04-01 (0.42975)

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)-4.16%

PT rev (3m)0.24%

EPS NQ rev (1m)3.41%

EPS NQ rev (3m)3.98%

EPS NY rev (1m)3.99%

EPS NY rev (3m)4.5%

Revenue NQ rev (1m)0.94%

Revenue NQ rev (3m)1%

Revenue NY rev (1m)1.35%

Revenue NY rev (3m)2.06%

Valuation

		Industry Rank	Sector Rank
PE	20.35
Fwd PE	17.86
P/S	5.17
P/FCF	35.11
P/OCF	30.08
P/B	1.79
P/tB	2.57
EV/EBITDA	N/A

EPS(TTM)1.25

EY4.91%

EPS(NY)1.42

Fwd EY5.6%

FCF(TTM)0.72

FCFY2.85%

OCF(TTM)0.85

OCFY3.32%

SpS4.92

BVpS14.18

TBVpS9.91

PEG (NY)1.46

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)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 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

WACC12.46%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-10.71%

EPS 3Y-1.55%

EPS 5Y-0.32%

EPS Q2Q%13.33%

EPS Next Y13.92%

EPS Next 2Y13.3%

EPS Next 3Y13.25%

EPS Next 5Y6%

Revenue 1Y (TTM)0.34%

Revenue growth 3Y7.22%

Revenue growth 5Y9.61%

Sales Q2Q%13.63%

Revenue Next Year7.24%

Revenue Next 2Y6.67%

Revenue Next 3Y5.74%

Revenue Next 5Y3.94%

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-64.75%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-60.56%

OCF growth 3YN/A

OCF growth 5YN/A

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

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