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

NASDAQ:HBANP - Nasdaq - US4461508230 - Currency: USD

18.22  +0.02 (+0.11%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to HBANP. HBANP was compared to 404 industry peers in the Banks industry. HBANP may be in some trouble as it scores bad on both profitability and health. HBANP is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

HBANP had positive earnings in the past year.
In the past year HBANP had a positive cash flow from operations.
Each year in the past 5 years HBANP has been profitable.
Of the past 5 years HBANP 4 years had a positive operating cash flow.
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 2024 1B 2B 3B 4B

1.2 Ratios

The Return On Assets of HBANP (0.76%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 7.37%, HBANP is in line with its industry, outperforming 42.21% of the companies in the same industry.
Industry RankSector 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
HBANP Yearly ROA, ROE, ROICHBANP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

HBANP's Profit Margin of 21.22% is in line compared to the rest of the industry. HBANP outperforms 44.22% of its industry peers.
HBANP's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for HBANP so they could not be analyzed.
Industry RankSector 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
HBANP Yearly Profit, Operating, Gross MarginsHBANP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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0

2. Health

2.1 Basic Checks

HBANP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HBANP has been increased compared to 1 year ago.
The number of shares outstanding for HBANP has been increased compared to 5 years ago.
Compared to 1 year ago, HBANP has a worse debt to assets ratio.
HBANP Yearly Shares OutstandingHBANP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 50B 100B 150B 200B

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.
The Debt to FCF ratio of HBANP (11.20) is worse than 72.61% 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.
HBANP has a worse Debt to Equity ratio (0.57) than 78.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.57
Debt/FCF 11.2
Altman-Z N/A
ROIC/WACCN/A
WACC13.35%
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 2024 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 2024 1B 2B 3B

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4

3. Growth

3.1 Past

HBANP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.71%.
The Earnings Per Share has been decreasing by -0.32% on average over the past years.
The Revenue has been growing slightly by 0.34% in the past year.
HBANP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.61% yearly.
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, HBANP 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.
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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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.58, which indicates a correct valuation of HBANP.
HBANP's Price/Earnings ratio is in line with the industry average.
HBANP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 30.30.
With a Price/Forward Earnings ratio of 12.79, HBANP is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HBANP is on the same level as its industry peers.
HBANP is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.58
Fwd PE 12.79
HBANP Price Earnings VS Forward Price EarningsHBANP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

72.86% of the companies in the same industry are cheaper than HBANP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 25.15
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

HBANP's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
HBANP's earnings are expected to grow with 13.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.05
PEG (5Y)N/A
EPS Next 2Y13.3%
EPS Next 3Y13.25%

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5

5. Dividend

5.1 Amount

HBANP has a Yearly Dividend Yield of 3.73%. 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 3.16.
HBANP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.29.
Industry RankSector Rank
Dividend Yield 3.73%

5.2 History

The dividend of HBANP has a limited annual growth rate of 5.35%.
HBANP has been paying a dividend for over 5 years, so it has already some track record.
HBANP has decreased its dividend recently.
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 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

HBANP pays out 68.97% of its income as dividend. 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 2Y13.3%
EPS Next 3Y13.25%
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 2024 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 (2/21/2025, 3:32:08 PM)

18.22

+0.02 (+0.11%)

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 Change0%
Ins Owners1.07%
Ins Owner ChangeN/A
Market Cap26.49B
Analysts76.43
Price Target20.79 (14.11%)
Short Float %0%
Short Ratio0.37
Dividend
Industry RankSector Rank
Dividend Yield 3.73%
Yearly Dividend0.72
Dividend Growth(5Y)5.35%
DP68.97%
Div Incr Years0
Div Non Decr Years1
Ex-Date04-01 2025-04-01 (0.28125)
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)-0.38%
PT rev (3m)-8.77%
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 RankSector Rank
PE 14.58
Fwd PE 12.79
P/S 3.7
P/FCF 25.15
P/OCF 21.55
P/B 1.29
P/tB 1.84
EV/EBITDA N/A
EPS(TTM)1.25
EY6.86%
EPS(NY)1.42
Fwd EY7.82%
FCF(TTM)0.72
FCFY3.98%
OCF(TTM)0.85
OCFY4.64%
SpS4.92
BVpS14.18
TBVpS9.91
PEG (NY)1.05
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)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 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
WACC13.35%
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