(HBAN) Huntington Bancshares - Ratings and Ratios
Loans, Deposits, Mortgages, Treasury, Brokerage
HBAN EPS (Earnings per Share)
HBAN Revenue
Description: HBAN Huntington Bancshares October 14, 2025
Huntington Bancshares Inc. (NASDAQ:HBAN) is the holding company for The Huntington National Bank, delivering a full suite of commercial, consumer, and mortgage banking services across the United States. Its product lineup spans deposits, loans, payments, mortgage and dealer financing, investment management, trust, brokerage, insurance, and a variety of digitally-enabled consumer solutions such as 24-Hour Grace checking and Money Scout budgeting tools.
Beyond retail banking, Huntington serves middle-market and corporate clients through equipment financing, asset-based lending, structured and municipal finance, as well as capital-markets activities like debt and equity issuance, institutional sales, and treasury management. The firm reaches customers via a physical network of branches and ATMs, online/mobile platforms, and call centers, targeting sectors that include government, healthcare, technology, franchises, and financial sponsors.
Key recent performance indicators (Q3 2024): net interest margin (NIM) held at 3.45% ± 0.15pp, loan growth slowed to 2.1% YoY amid tighter credit conditions, while deposits rose 5.3% YoY to $92 bn, supporting a CET1 capital ratio of 13.2%-well above the regulatory minimum. Return on equity (ROE) remains around 11.5%, reflecting steady profitability despite a challenging rate-environment.
Sector-level drivers that will materially affect Huntington’s outlook include the Federal Reserve’s policy trajectory (higher rates can boost NIM but pressure loan demand), regional economic health in the Midwest and Mid-Atlantic (its primary footprint), and the ongoing stress in commercial-real-estate (CRE) assets, which could increase credit-loss provisions for banks with sizable CRE exposure.
For a deeper, data-driven assessment of HBAN’s valuation metrics, you may find ValueRay’s analytical platform useful.
HBAN Stock Overview
| Market Cap in USD | 22,424m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1990-03-26 |
HBAN Stock Ratings
| Growth Rating | 30.1% |
| Fundamental | 61.0% |
| Dividend Rating | 61.4% |
| Return 12m vs S&P 500 | -10.3% |
| Analyst Rating | 4.24 of 5 |
HBAN Dividends
| Dividend Yield 12m | 4.82% |
| Yield on Cost 5y | 9.44% |
| Annual Growth 5y | 0.82% |
| Payout Consistency | 92.2% |
| Payout Ratio | 45.9% |
HBAN Growth Ratios
| Growth Correlation 3m | -8.1% |
| Growth Correlation 12m | 22.5% |
| Growth Correlation 5y | 49.6% |
| CAGR 5y | 7.01% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.18 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.54 |
| Sharpe Ratio 12m | -0.13 |
| Alpha | -9.77 |
| Beta | 0.979 |
| Volatility | 33.21% |
| Current Volume | 15350.9k |
| Average Volume 20d | 29783.7k |
| Stop Loss | 15.5 (-3.5%) |
| Signal | -0.24 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (2.22b TTM) > 0 and > 6% of Revenue (6% = 738.4m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.30pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 201.9% (prev -1153 %; Δ 1355 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 2.11b <= Net Income 2.22b (YES >=105%, WARN >=100%) |
| Net Debt (37.4m) to EBITDA (3.08b) ratio: 0.01 <= 3.0 (WARN <= 3.5) |
| Current Ratio 19.1k (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.49b) change vs 12m ago 0.54% (target <= -2.0% for YES) |
| Gross Margin 60.93% (prev 57.64%; Δ 3.30pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.08% (prev 5.81%; Δ 0.27pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.45 (EBITDA TTM 3.08b / Interest Expense TTM 4.36b) >= 6 (WARN >= 3) |
Altman Z'' 16.94
| (A) 0.12 = (Total Current Assets 24.84b - Total Current Liabilities 1.30m) / Total Assets 204.23b |
| (B) 0.03 = Retained Earnings (Balance) 5.20b / Total Assets 204.23b |
| (C) 0.01 = EBIT TTM 1.96b / Avg Total Assets 202.38b |
| (D) 15.23 = Book Value of Equity 2.35b / Total Liabilities 154.5m |
| Total Rating: 16.94 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 60.95
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 36.88% = 5.0 |
| 3. FCF Margin 15.73% = 3.93 |
| 4. Debt/Equity 0.00 = 2.50 |
| 5. Debt/Ebitda 0.01 = 2.50 |
| 6. ROIC - WACC (= -5.11)% = -6.39 |
| 7. RoE 10.88% = 0.91 |
| 8. Rev. Trend 91.77% = 6.88 |
| 9. EPS Trend -47.70% = -2.38 |
What is the price of HBAN shares?
Over the past week, the price has changed by +1.45%, over one month by -7.75%, over three months by -2.56% and over the past year by +5.90%.
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 15.40 USD . This means that HBAN is currently overvalued and has a potential downside of -4.17%.
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 | 19.9 | 23.5% |
| Analysts Target Price | 19.9 | 23.5% |
| ValueRay Target Price | 17.3 | 7.9% |
HBAN Fundamental Data Overview October 18, 2025
P/E Trailing = 11.4701
P/E Forward = 10.6496
P/S = 3.0963
P/B = 1.3126
P/EG = 1.9364
Beta = 0.979
Revenue TTM = 12.31b USD
EBIT TTM = 1.96b USD
EBITDA TTM = 3.08b USD
Long Term Debt = 16.37b USD (from longTermDebt, last fiscal year)
Short Term Debt = 1.30m USD (from shortTermDebt, last quarter)
Debt = 37.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 37.4m USD (from netDebt column, last quarter)
Enterprise Value = 5.25b USD (22.42b + Debt 37.4m - CCE 17.21b)
Interest Coverage Ratio = 0.45 (Ebit TTM 1.96b / Interest Expense TTM 4.36b)
FCF Yield = 36.88% (FCF TTM 1.94b / Enterprise Value 5.25b)
FCF Margin = 15.73% (FCF TTM 1.94b / Revenue TTM 12.31b)
Net Margin = 18.05% (Net Income TTM 2.22b / Revenue TTM 12.31b)
Gross Margin = 60.93% ((Revenue TTM 12.31b - Cost of Revenue TTM 4.81b) / Revenue TTM)
Gross Margin QoQ = 62.33% (prev 60.62%)
Tobins Q-Ratio = 0.03 (Enterprise Value 5.25b / Total Assets 204.23b)
Interest Expense / Debt = 2925 % (Interest Expense 1.09b / Debt 37.4m)
Taxrate = 17.36% (133.0m / 766.0m)
NOPAT = 1.62b (EBIT 1.96b * (1 - 17.36%))
Current Ratio = 19.1k (out of range, set to none) (Total Current Assets 24.84b / Total Current Liabilities 1.30m)
Debt / Equity = 0.00 (Debt 37.4m / totalStockholderEquity, last fiscal year 19.74b)
Debt / EBITDA = 0.01 (Net Debt 37.4m / EBITDA 3.08b)
Debt / FCF = 0.02 (Net Debt 37.4m / FCF TTM 1.94b)
Total Stockholder Equity = 20.43b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.09% (Net Income 2.22b / Total Assets 204.23b)
RoE = 10.88% (Net Income TTM 2.22b / Total Stockholder Equity 20.43b)
RoCE = 5.33% (EBIT 1.96b / Capital Employed (Equity 20.43b + L.T.Debt 16.37b))
RoIC = 4.49% (NOPAT 1.62b / Invested Capital 36.04b)
WACC = 9.60% (E(22.42b)/V(22.46b) * Re(9.62%) + (debt cost/tax rate unavailable))
Discount Rate = 9.62% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.54%
[DCF Debug] Terminal Value 71.24% ; FCFE base≈2.17b ; Y1≈2.00b ; Y5≈1.80b
Fair Price DCF = 16.99 (DCF Value 24.79b / Shares Outstanding 1.46b; 5y FCF grow -9.89% → 3.0% )
EPS Correlation: -47.70 | EPS CAGR: -3.86% | SUE: 0.0 | # QB: 0
Revenue Correlation: 91.77 | Revenue CAGR: 12.18% | SUE: 0.85 | # QB: 1
Additional Sources for HBAN Stock
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Fund Manager Positions: Dataroma | Stockcircle