Overview Dividends

(HBAN) Huntington Bancshares - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US4461501045

Loans, Deposits, Mortgages, Treasury, Brokerage

HBAN EPS (Earnings per Share)

EPS Growth (3Y CAGR): -1.76%
EPS Trend (3Y Correlation): 2.2%

HBAN Revenue

Revenue Growth (3Y CAGR): 12.18%
Revenue Trend (3Y Correlation): 91.8%

Risk via 10d forecast
Volatility	27.2%
Value at Risk 5%th	42.1%
Relative Tail Risk	-5.88%

Reward TTM
Sharpe Ratio	-0.23
Alpha	-22.74

Character TTM
Hurst Exponent	0.503
Beta	1.151
Beta Downside	1.422

Drawdowns 3y
Max DD	39.56%
Mean DD	13.15%
Median DD	10.20%

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	24,747m
Sub-Industry	Regional Banks
IPO / Inception	1990-03-26
Return 12m vs S&P 500	-20.6%
Analyst Rating	4.24 of 5

HBAN Dividends

Dividend Yield	4.93%
Yield on Cost 5y	8.06%
Yield CAGR 5y	0.82%
Payout Consistency	92.2%
Payout Ratio	44.0%

HBAN Growth Ratios

CAGR 3y	6.77%
CAGR/Max DD Calmar Ratio	0.17
CAGR/Mean DD Pain Ratio	0.51
Current Volume	23315.3k
Average Volume	25657.7k

Piotroski VR‑10 (Strict, 0-10) 2.0

Net Income (2.22b TTM) > 0 and > 6% of Revenue (6% = 738.4m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA 0.91pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 126.9% (prev -1153 %; Δ 1280 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 3.04b > Net Income 2.22b (YES >=105%, WARN >=100%)

Net Debt (15.87b) to EBITDA (3.25b) ratio: 4.88 <= 3.0 (WARN <= 3.5)

Current Ratio 62.99 (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 5.99% (prev 5.81%; Δ 0.18pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.63 (EBITDA TTM 3.25b / Interest Expense TTM 4.36b) >= 6 (WARN >= 3)

Altman Z'' 0.69

(A) 0.07 = (Total Current Assets 15.87b - Total Current Liabilities 252.0m) / Total Assets 210.23b

(B) 0.03 = Retained Earnings (Balance) 6.12b / Total Assets 210.23b

(D) 0.02 = Book Value of Equity 4.07b / Total Liabilities 187.94b

Total Rating: 0.69 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 63.29

1. Piotroski 2.0pt = -3.0

2. FCF Yield 10.35% = 5.0

3. FCF Margin 24.47% = 6.12

4. Debt/Equity 0.79 = 2.20

5. Debt/Ebitda 4.88 = -2.50

6. ROIC - WACC (= -1.92)% = -2.41

7. RoE 10.66% = 0.89

8. Rev. Trend 91.77% = 6.88

9. EPS Trend 2.21% = 0.11

What is the price of HBAN shares?

As of November 17, 2025, the stock is trading at USD 15.73 with a total of 23,315,323 shares traded.
Over the past week, the price has changed by -0.51%, over one month by +2.34%, over three months by -4.85% and over the past year by -8.16%.

Is Huntington Bancshares a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Huntington Bancshares is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 63.29 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HBAN is around 14.56 USD . This means that HBAN is currently overvalued and has a potential downside of -7.44%.

Is HBAN a buy, sell or hold?

Huntington Bancshares has received a consensus analysts rating of 4.24. Therefore, it is recommended to buy HBAN.

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	19.7	25.2%
Analysts Target Price	19.7	25.2%
ValueRay Target Price	16.2	2.9%

HBAN Fundamental Data Overview November 11, 2025

Market Cap USD = 24.75b (24.75b USD * 1.0 USD.USD)
P/E Trailing = 11.0559
P/E Forward = 9.5238
P/S = 3.2987
P/B = 1.268
P/EG = 1.7007
Beta = 0.981
Revenue TTM = 12.31b USD
EBIT TTM = 2.73b USD
EBITDA TTM = 3.25b USD
Long Term Debt = 17.32b USD (from longTermDebt, last quarter)
Short Term Debt = 252.0m USD (from shortTermDebt, last quarter)
Debt = 17.57b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 15.87b USD (from netDebt column, last quarter)
Enterprise Value = 29.08b USD (24.75b + Debt 17.57b - CCE 13.23b)
Interest Coverage Ratio = 0.63 (Ebit TTM 2.73b / Interest Expense TTM 4.36b)
FCF Yield = 10.35% (FCF TTM 3.01b / Enterprise Value 29.08b)
FCF Margin = 24.47% (FCF TTM 3.01b / 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 = 0.14 (Enterprise Value 29.08b / Total Assets 210.23b)
Interest Expense / Debt = 6.23% (Interest Expense 1.09b / Debt 17.57b)
Taxrate = 17.36% (133.0m / 766.0m)
NOPAT = 2.25b (EBIT 2.73b * (1 - 17.36%))
Current Ratio = 62.99 (Total Current Assets 15.87b / Total Current Liabilities 252.0m)
Debt / Equity = 0.79 (Debt 17.57b / totalStockholderEquity, last quarter 22.25b)
Debt / EBITDA = 4.88 (Net Debt 15.87b / EBITDA 3.25b)
Debt / FCF = 5.27 (Net Debt 15.87b / FCF TTM 3.01b)
Total Stockholder Equity = 20.84b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.06% (Net Income 2.22b / Total Assets 210.23b)
RoE = 10.66% (Net Income TTM 2.22b / Total Stockholder Equity 20.84b)
RoCE = 7.15% (EBIT 2.73b / Capital Employed (Equity 20.84b + L.T.Debt 17.32b))
RoIC = 6.21% (NOPAT 2.25b / Invested Capital 36.26b)
WACC = 8.14% (E(24.75b)/V(42.31b) * Re(10.26%) + D(17.57b)/V(42.31b) * Rd(6.23%) * (1-Tc(0.17)))
Discount Rate = 10.26% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.54%
[DCF Debug] Terminal Value 69.04% ; FCFE base≈2.23b ; Y1≈2.05b ; Y5≈1.85b
Fair Price DCF = 14.89 (DCF Value 23.31b / Shares Outstanding 1.57b; 5y FCF grow -9.89% → 3.0% )
EPS Correlation: 2.21 | EPS CAGR: -1.76% | SUE: 1.78 | # QB: 1
Revenue Correlation: 91.77 | Revenue CAGR: 12.18% | SUE: 0.85 | # QB: 1

Additional Sources for HBAN Stock

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