HUNTINGTON BANCSHARES - HBAN 5.7 PERP(NASDAQ:HBANM) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, HBANM scores 2 out of 10 in our fundamental rating. HBANM was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of HBANM have multiple concerns. HBANM 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 HBANM was profitable.

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

Of the past 5 years HBANM 4 years were profitable.

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

1.2 Ratios

HBANM has a Return On Assets (0.76%) which is in line with its industry peers.

HBANM has a Return On Equity of 7.37%. This is comparable to the rest of the industry: HBANM outperforms 43.72% of 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

HBANM has a Profit Margin (21.22%) which is comparable to the rest of the industry.

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

The Operating Margin and Gross Margin are not available for HBANM 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 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

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

HBANM has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

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

HBANM's Debt to FCF ratio of 11.20 is on the low side compared to the rest of the industry. HBANM is outperformed by 73.37% of its industry peers.

HBANM has a Debt/Equity ratio of 0.57. This is a neutral value indicating HBANM is somewhat dependend on debt financing.

HBANM has a worse Debt to Equity ratio (0.57) than 79.40% of its industry peers.

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

ROIC/WACCN/A

WACC12.74%

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 HBANM have decreased strongly by -10.71% in the last year.

The Earnings Per Share has been decreasing by -0.32% on average over the past years.

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

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

The Revenue is expected to grow by 3.94% on average over the next years.

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

The Price/Earnings ratio is 18.61, which indicates a rather expensive current valuation of HBANM.

Based on the Price/Earnings ratio, HBANM is valued a bit more expensive than the industry average as 74.87% of the companies are valued more cheaply.

HBANM is valuated rather cheaply when we compare the Price/Earnings ratio to 27.96, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 16.99, which indicates a correct valuation of HBANM.

Based on the Price/Forward Earnings ratio, HBANM is valued a bit more expensive than the industry average as 72.86% of the companies are valued more cheaply.

When comparing the Price/Forward Earnings ratio of HBANM to the average of the S&P500 Index (24.11), we can say HBANM is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	18.61
Fwd PE	16.99

4.2 Price Multiples

HBANM's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. HBANM is more expensive than 78.14% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	32.09
EV/EBITDA	N/A

4.3 Compensation for Growth

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

PEG (NY)1.95

PEG (5Y)N/A

EPS Next 2Y11.32%

EPS Next 3Y2.25%

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5. Dividend

5.1 Amount

HBANM has a Yearly Dividend Yield of 3.68%.

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

HBANM'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 HBANM has a limited annual growth rate of 5.35%.

HBANM has been paying a dividend for over 5 years, so it has already some track record.

HBANM has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)5.35%

Div Incr Years0

Div Non Decr Years3

5.3 Sustainability

68.97% of the earnings are spent on dividend by HBANM. This is not a sustainable payout ratio.

The dividend of HBANM 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 5.7 PERP

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

23.26

-0.24 (-1.02%)

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 Cap33.79B

Analysts76.3

Price Target26.62 (14.45%)

Short Float %0%

Short Ratio0.53

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.68%

Yearly Dividend0.72

Dividend Growth(5Y)5.35%

DP68.97%

Div Incr Years0

Div Non Decr Years3

Ex-Date02-14 2025-02-14 (0.35625)

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)8.89%

PT rev (3m)-6.1%

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	18.61
Fwd PE	16.99
P/S	4.72
P/FCF	32.09
P/OCF	27.5
P/B	1.64
P/tB	2.34
EV/EBITDA	N/A

EPS(TTM)1.25

EY5.37%

EPS(NY)1.37

Fwd EY5.89%

FCF(TTM)0.72

FCFY3.12%

OCF(TTM)0.85

OCFY3.64%

SpS4.92

BVpS14.18

TBVpS9.92

PEG (NY)1.95

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

WACC12.74%

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 5.7 PERP (HBANM) 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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