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HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP (HBANP) Stock Fundamental Analysis

NASDAQ:HBANP - Nasdaq - US4461508230

18.02  +0.02 (+0.11%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to HBANP. HBANP was compared to 405 industry peers in the Banks industry. HBANP has a bad profitability rating. Also its financial health evaluation is rather negative. HBANP has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year HBANP was profitable.
HBANP had a positive operating cash flow in the past year.
HBANP had positive earnings in 4 of the past 5 years.
HBANP had a positive operating cash flow in 4 of the past 5 years.
HBANP Yearly Net Income VS EBIT VS OCF VS FCFHBANP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B

1.2 Ratios

HBANP has a Return On Assets (0.76%) which is comparable to the rest of the industry.
HBANP has a Return On Equity (7.37%) which is comparable to the rest of the industry.
Industry RankSector 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
HBANP Yearly ROA, ROE, ROICHBANP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

HBANP has a Profit Margin (21.22%) which is in line with its industry peers.
In the last couple of years the Profit Margin of HBANP has declined.
HBANP 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) 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
HBANP Yearly Profit, Operating, Gross MarginsHBANP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20 25

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1

2. Health

2.1 Basic Checks

HBANP does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for HBANP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
HBANP Yearly Shares OutstandingHBANP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B
HBANP Yearly Total Debt VS Total AssetsHBANP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 50B 100B 150B

2.2 Solvency

HBANP has a debt to FCF ratio of 11.20. This is a negative value and a sign of low solvency as HBANP would need 11.20 years to pay back of all of its debts.
HBANP's Debt to FCF ratio of 11.20 is on the low side compared to the rest of the industry. HBANP is outperformed by 73.12% of its industry peers.
HBANP has a Debt/Equity ratio of 0.57. This is a neutral value indicating HBANP is somewhat dependend on debt financing.
The Debt to Equity ratio of HBANP (0.57) is worse than 79.15% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.57
Debt/FCF 11.2
Altman-Z N/A
ROIC/WACCN/A
WACC13.43%
HBANP Yearly LT Debt VS Equity VS FCFHBANP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HBANP Yearly Current Assets VS Current LiabilitesHBANP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B

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2

3. Growth

3.1 Past

The earnings per share for HBANP 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

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.
HBANP Yearly Revenue VS EstimatesHBANP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2B 4B 6B 8B
HBANP Yearly EPS VS EstimatesHBANP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0.5 1 1.5

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.42, HBANP is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as HBANP.
The average S&P500 Price/Earnings ratio is at 27.96. HBANP is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 13.16, HBANP is valued correctly.
HBANP's Price/Forward Earnings is on the same level as the industry average.
HBANP's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.11.
Industry RankSector Rank
PE 14.42
Fwd PE 13.16
HBANP Price Earnings VS Forward Price EarningsHBANP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

73.62% of the companies in the same industry are cheaper than HBANP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 24.86
EV/EBITDA N/A
HBANP Per share dataHBANP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 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)1.51
PEG (5Y)N/A
EPS Next 2Y11.32%
EPS Next 3Y2.25%

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4

5. Dividend

5.1 Amount

HBANP has a Yearly Dividend Yield of 3.68%. Purely for dividend investing, there may be better candidates out there.
HBANP's Dividend Yield is a higher than the industry average which is at 3.24.
Compared to an average S&P500 Dividend Yield of 2.29, HBANP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.68%

5.2 History

The dividend of HBANP has a limited annual growth rate of 5.35%.
HBANP has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)5.35%
Div Incr Years0
Div Non Decr Years1
HBANP Yearly Dividends per shareHBANP Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 0.2 0.4 0.6 0.8 1

5.3 Sustainability

68.97% of the earnings are spent on dividend by HBANP. This is not a sustainable payout ratio.
HBANP's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP68.97%
EPS Next 2Y11.32%
EPS Next 3Y2.25%
HBANP Yearly Income VS Free CF VS DividendHBANP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B
HBANP Dividend Payout.HBANP Dividend Payout, showing the Payout Ratio.HBANP Dividend Payout.PayoutRetained Earnings

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HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP

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

18.02

+0.02 (+0.11%)

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 Change0%
Ins Owners1.07%
Ins Owner ChangeN/A
Market Cap26.18B
Analysts76.3
Price Target20.87 (15.82%)
Short Float %0%
Short Ratio1.11
Dividend
Industry RankSector Rank
Dividend Yield 3.68%
Yearly Dividend0.72
Dividend Growth(5Y)5.35%
DP68.97%
Div Incr Years0
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)4.72%
PT rev (3m)-10.59%
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 RankSector Rank
PE 14.42
Fwd PE 13.16
P/S 3.66
P/FCF 24.86
P/OCF 21.3
P/B 1.27
P/tB 1.82
EV/EBITDA N/A
EPS(TTM)1.25
EY6.94%
EPS(NY)1.37
Fwd EY7.6%
FCF(TTM)0.72
FCFY4.02%
OCF(TTM)0.85
OCFY4.69%
SpS4.92
BVpS14.18
TBVpS9.92
PEG (NY)1.51
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC13.43%
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%