(HBAN) Huntington Bancshares - Ratings and Ratios
Deposits, Lending, Payments, Mortgage, Investment
HBAN EPS (Earnings per Share)
HBAN Revenue
Description: HBAN Huntington Bancshares
Huntington Bancshares Incorporated is a bank holding company that provides a wide range of financial products and services to consumer and business customers in the United States. The companys diverse offerings include deposits, lending, payments, mortgage banking, and investment management, among others. Its digitally powered consumer and business financial solutions are designed to meet the evolving needs of its customers.
The companys financial performance is characterized by key performance indicators (KPIs) such as Return on Equity (RoE) of 10.20%, indicating a decent return on shareholders equity. Additionally, the companys Price-to-Earnings (P/E) ratio of 12.74 and Forward P/E of 12.02 suggest that the stock is relatively undervalued compared to its earnings growth potential. The companys Market Capitalization of $24.16 billion indicates a moderate size, allowing for a balance between stability and growth opportunities.
From a strategic perspective, Huntington Bancshares Incorporated has a diversified business model with a presence in various markets, including middle market banking, corporate, specialty, and government banking, asset finance, commercial real estate banking, and capital markets. The companys ability to offer a range of products and services through multiple channels, including branches, ATMs, online and mobile banking, and customer call centers, enhances its competitive position. Furthermore, its focus on digital banking solutions, such as 24-Hour Grace and Huntington Heads Up, demonstrates its commitment to innovation and customer convenience.
In terms of growth prospects, the companys expansion into new markets and its investment in digital banking capabilities are likely to drive future growth. Additionally, its equipment financing, asset-based lending, and municipal financing solutions are expected to contribute to revenue growth. Overall, Huntington Bancshares Incorporateds diversified business model, commitment to innovation, and focus on customer convenience position it for long-term success.
HBAN Stock Overview
| Market Cap in USD | 25,925m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1990-03-26 |
HBAN Stock Ratings
| Growth Rating | 49.1% |
| Fundamental | 60.8% |
| Dividend Rating | 60.4% |
| Return 12m vs S&P 500 | 4.40% |
| Analyst Rating | 4.24 of 5 |
HBAN Dividends
| Dividend Yield 12m | 3.71% |
| Yield on Cost 5y | 7.94% |
| Annual Growth 5y | 0.66% |
| Payout Consistency | 92.4% |
| Payout Ratio | 45.9% |
HBAN Growth Ratios
| Growth Correlation 3m | 52.9% |
| Growth Correlation 12m | 33.3% |
| Growth Correlation 5y | 49.4% |
| CAGR 5y | 12.76% |
| CAGR/Max DD 3y | 0.32 |
| CAGR/Mean DD 3y | 1.37 |
| Sharpe Ratio 12m | -0.13 |
| Alpha | 0.00 |
| Beta | 0.749 |
| Volatility | 26.44% |
| Current Volume | 26061.1k |
| Average Volume 20d | 26061.1k |
| Stop Loss | 16.9 (-3%) |
| Signal | 0.03 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (2.11b TTM) > 0 and > 6% of Revenue (6% = 729.4m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.35pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1167 % (prev -1137 %; Δ -29.25pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 2.11b > Net Income 2.11b (YES >=105%, WARN >=100%) |
| Net Debt (7.10b) to EBITDA (3.08b) ratio: 2.30 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.13 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.48b) change vs 12m ago 0.46% (target <= -2.0% for YES) |
| Gross Margin 59.68% (prev 59.02%; Δ 0.66pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.02% (prev 5.80%; Δ 0.21pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.58 (EBITDA TTM 3.08b / Interest Expense TTM 4.47b) >= 6 (WARN >= 3) |
Altman Z'' -4.28
| (A) -0.68 = (Total Current Assets 22.13b - Total Current Liabilities 163.96b) / Total Assets 207.74b |
| (B) 0.03 = Retained Earnings (Balance) 5.75b / Total Assets 207.74b |
| (C) 0.01 = EBIT TTM 2.60b / Avg Total Assets 202.03b |
| (D) 0.02 = Book Value of Equity 3.52b / Total Liabilities 186.77b |
| Total Rating: -4.28 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 60.84
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 6.68% = 3.34 |
| 3. FCF Margin 15.92% = 3.98 |
| 4. Debt/Equity 0.86 = 2.14 |
| 5. Debt/Ebitda 5.85 = -2.50 |
| 6. ROIC - WACC (= -1.25)% = -1.56 |
| 7. RoE 10.33% = 0.86 |
| 8. Rev. Trend 88.68% = 6.65 |
| 9. EPS Trend -21.38% = -1.07 |
What is the price of HBAN shares?
Over the past week, the price has changed by -1.19%, over one month by +4.50%, over three months by +12.13% and over the past year by +23.94%.
Is Huntington Bancshares a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HBAN is around 17.43 USD . This means that HBAN is currently overvalued and has a potential downside of 0%.
Is HBAN a buy, sell or hold?
- Strong Buy: 12
- Buy: 3
- Hold: 5
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the HBAN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 19.4 | 11.1% |
| Analysts Target Price | 19.4 | 11.1% |
| ValueRay Target Price | 19.2 | 10.2% |
Last update: 2025-09-15 04:37
HBAN Fundamental Data Overview
CCE Cash And Equivalents = 15.00b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 13.2612
P/E Forward = 11.2108
P/S = 3.5798
P/B = 1.3689
P/EG = 2.0384
Beta = 0.987
Revenue TTM = 12.16b USD
EBIT TTM = 2.60b USD
EBITDA TTM = 3.08b USD
Long Term Debt = 17.47b USD (from longTermDebt, last quarter)
Short Term Debt = 576.0m USD (from shortTermDebt, last quarter)
Debt = 18.04b USD (Calculated: Short Term 576.0m + Long Term 17.47b)
Net Debt = 7.10b USD (from netDebt column, last quarter)
Enterprise Value = 28.97b USD (25.92b + Debt 18.04b - CCE 15.00b)
Interest Coverage Ratio = 0.58 (Ebit TTM 2.60b / Interest Expense TTM 4.47b)
FCF Yield = 6.68% (FCF TTM 1.94b / Enterprise Value 28.97b)
FCF Margin = 15.92% (FCF TTM 1.94b / Revenue TTM 12.16b)
Net Margin = 17.36% (Net Income TTM 2.11b / Revenue TTM 12.16b)
Gross Margin = 59.68% ((Revenue TTM 12.16b - Cost of Revenue TTM 4.90b) / Revenue TTM)
Tobins Q-Ratio = 8.23 (Enterprise Value 28.97b / Book Value Of Equity 3.52b)
Interest Expense / Debt = 6.04% (Interest Expense 1.09b / Debt 18.04b)
Taxrate = 18.44% (443.0m / 2.40b)
NOPAT = 2.12b (EBIT 2.60b * (1 - 18.44%))
Current Ratio = 0.13 (Total Current Assets 22.13b / Total Current Liabilities 163.96b)
Debt / Equity = 0.86 (Debt 18.04b / last Quarter total Stockholder Equity 20.93b)
Debt / EBITDA = 5.85 (Net Debt 7.10b / EBITDA 3.08b)
Debt / FCF = 9.32 (Debt 18.04b / FCF TTM 1.94b)
Total Stockholder Equity = 20.43b (last 4 quarters mean)
RoA = 1.02% (Net Income 2.11b, Total Assets 207.74b )
RoE = 10.33% (Net Income TTM 2.11b / Total Stockholder Equity 20.43b)
RoCE = 6.86% (Ebit 2.60b / (Equity 20.43b + L.T.Debt 17.47b))
RoIC = 5.94% (NOPAT 2.12b / Invested Capital 35.67b)
WACC = 7.19% (E(25.92b)/V(43.97b) * Re(8.77%)) + (D(18.04b)/V(43.97b) * Rd(6.04%) * (1-Tc(0.18)))
Shares Correlation 3-Years: 78.79 | Cagr: 0.11%
Discount Rate = 8.77% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 74.31% ; FCFE base≈2.17b ; Y1≈2.00b ; Y5≈1.80b
Fair Price DCF = 19.43 (DCF Value 28.35b / Shares Outstanding 1.46b; 5y FCF grow -9.89% → 3.0% )
EPS Correlation: -21.38 | EPS CAGR: -4.87% | SUE: 0.58 | # QB: 0
Revenue Correlation: 88.68 | Revenue CAGR: 14.48% | SUE: N/A | # QB: None
Additional Sources for HBAN Stock
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