(HBAN) Huntington Bancshares - Ratings and Ratios
Loans, Deposits, Mortgages, Treasury, Brokerage
Dividends
| Dividend Yield | 4.75% |
| Yield on Cost 5y | 8.03% |
| Yield CAGR 5y | 0.82% |
| Payout Consistency | 89.6% |
| Payout Ratio | 43.7% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 26.7% |
| Value at Risk 5%th | 41.5% |
| Relative Tail Risk | -5.43% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.22 |
| Alpha | -24.50 |
| CAGR/Max DD | 0.17 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.480 |
| Beta | 1.157 |
| Beta Downside | 1.424 |
| Drawdowns 3y | |
|---|---|
| Max DD | 39.56% |
| Mean DD | 13.25% |
| Median DD | 10.44% |
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.
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 |
| (C) 0.01 = EBIT TTM 2.73b / Avg Total Assets 205.38b |
| (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) 62.29
| 1. Piotroski 2.0pt |
| 2. FCF Yield 10.30% |
| 3. FCF Margin 24.47% |
| 4. Debt/Equity 0.79 |
| 5. Debt/Ebitda 4.88 |
| 6. ROIC - WACC (= -1.94)% |
| 7. RoE 10.66% |
| 8. Rev. Trend 91.70% |
| 9. EPS Trend -17.28% |
What is the price of HBAN shares?
Over the past week, the price has changed by +2.45%, over one month by +5.57%, over three months by -6.98% and over the past year by -4.73%.
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 | 19.7 | 20.9% |
| Analysts Target Price | 19.7 | 20.9% |
| ValueRay Target Price | 16.6 | 1.7% |
HBAN Fundamental Data Overview November 24, 2025
P/E Trailing = 11.1049
P/E Forward = 9.5694
P/S = 3.3178
P/B = 1.2744
P/EG = 1.7093
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 = 29.23b USD (24.89b + Debt 17.57b - CCE 13.23b)
Interest Coverage Ratio = 0.63 (Ebit TTM 2.73b / Interest Expense TTM 4.36b)
FCF Yield = 10.30% (FCF TTM 3.01b / Enterprise Value 29.23b)
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 29.23b / 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 = 8.16% (E(24.89b)/V(42.46b) * Re(10.28%) + D(17.57b)/V(42.46b) * Rd(6.23%) * (1-Tc(0.17)))
Discount Rate = 10.28% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.54%
[DCF Debug] Terminal Value 68.97% ; FCFE base≈2.23b ; Y1≈2.05b ; Y5≈1.85b
Fair Price DCF = 14.85 (DCF Value 23.25b / Shares Outstanding 1.57b; 5y FCF grow -9.89% → 3.0% )
EPS Correlation: -17.28 | EPS CAGR: 2.85% | SUE: 1.98 | # QB: 1
Revenue Correlation: 91.70 | Revenue CAGR: 18.70% | SUE: 0.85 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.22 | Chg30d=-0.165 | Revisions Net=-2 | Analysts=10
EPS current Year (2025-12-31): EPS=1.47 | Chg30d=-0.027 | Revisions Net=+2 | Growth EPS=+20.8% | Growth Revenue=+11.9%
EPS next Year (2026-12-31): EPS=1.55 | Chg30d=-0.155 | Revisions Net=-3 | Growth EPS=+4.9% | Growth Revenue=+36.1%
Additional Sources for HBAN Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle