HUNTINGTON BANCSHARES - HBAN 5.7 PERP (HBANM) Stock Fundamental Analysis
NASDAQ:HBANM - Nasdaq - US4461507810 - Currency: USD
Taking everything into account, HBANM scores 2 out of 10 in our fundamental rating. HBANM was compared to 404 industry peers in the Banks industry. HBANM has a bad profitability rating. Also its financial health evaluation is rather negative. HBANM is valied quite expensively at the moment, while it does show a decent growth rate.
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.
HBANM had positive earnings in each of the past 5 years.
HBANM had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.76%, HBANM is in line with its industry, outperforming 45.23% of the companies in the same industry.
With a Return On Equity value of 7.37%, HBANM perfoms like the industry average, outperforming 41.96% of the companies in the same 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
HBANM has a Profit Margin of 21.22%. This is comparable to the rest of the industry: HBANM outperforms 43.97% of its industry peers.
In the last couple of years the Profit Margin of HBANM has declined.
HBANM 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 3Y8.21%
PM growth 5Y-3.17%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
HBANM does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, HBANM has more shares outstanding
HBANM has more shares outstanding than it did 5 years ago.
HBANM has a worse debt/assets ratio than last year.
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.
The Debt to FCF ratio of HBANM (11.20) is worse than 72.86% of its industry peers.
A Debt/Equity ratio of 0.57 indicates that HBANM is somewhat dependend on debt financing.
The Debt to Equity ratio of HBANM (0.57) is worse than 79.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.57 | ||
| Debt/FCF | 11.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.76%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for HBANM have decreased strongly by -10.71% in the last year.
HBANM shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.32% yearly.
HBANM shows a small growth in Revenue. In the last year, the Revenue has grown by 0.34%.
The Revenue has been growing by 9.61% on average over the past years. This is quite good.
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
Based on estimates for the next years, HBANM will show a small growth in Earnings Per Share. The EPS will grow by 6.00% on average per year.
Based on estimates for the next years, HBANM 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
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.
4. Valuation
4.1 Price/Earnings Ratio
HBANM is valuated rather expensively with a Price/Earnings ratio of 18.01.
Based on the Price/Earnings ratio, HBANM is valued a bit more expensive than the industry average as 75.13% of the companies are valued more cheaply.
HBANM's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 30.30.
HBANM is valuated correctly with a Price/Forward Earnings ratio of 15.81.
70.10% of the companies in the same industry are cheaper than HBANM, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.06. HBANM is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.01 | ||
| Fwd PE | 15.81 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of HBANM indicates a slightly more expensive valuation: HBANM is more expensive than 76.88% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 31.07 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
HBANM's earnings are expected to grow with 13.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.29
PEG (5Y)N/A
EPS Next 2Y13.3%
EPS Next 3Y13.25%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.73%, HBANM has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.16, HBANM pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.29, HBANM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.73% |
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 2Y13.3%
EPS Next 3Y13.25%
HUNTINGTON BANCSHARES - HBAN 5.7 PERP
NASDAQ:HBANM (2/21/2025, 3:32:08 PM)
22.51
-0.08 (-0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners85.57%
Inst Owner ChangeN/A
Ins Owners1.07%
Ins Owner ChangeN/A
Market Cap32.72B
Analysts76.43
Price Target26.44 (17.46%)
Short Float %0%
Short Ratio0.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.73% |
Yearly Dividend0.72
Dividend Growth(5Y)5.35%
DP68.97%
Div Incr Years0
Div Non Decr Years3
Ex-Date
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)-0.65%
PT rev (3m)-1.53%
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 | 18.01 | ||
| Fwd PE | 15.81 | ||
| P/S | 4.58 | ||
| P/FCF | 31.07 | ||
| P/OCF | 26.62 | ||
| P/B | 1.59 | ||
| P/tB | 2.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.25
EY5.55%
EPS(NY)1.42
Fwd EY6.33%
FCF(TTM)0.72
FCFY3.22%
OCF(TTM)0.85
OCFY3.76%
SpS4.92
BVpS14.18
TBVpS9.91
PEG (NY)1.29
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
WACC12.76%
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