# Huntington Bancshares Incorporated (HBAN) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $17.03, market value $34.4 billion.

## Valuation
- **P/E (trailing): 13.1×** (5-yr avg 11.3×, 3-yr avg 11.4×). Huntington Bancshares Incorporated trades at 13.1× trailing earnings, close to its own five-year average of 11.3×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.65**. A PEG of 0.65 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 8.3×**. Each dollar of revenue is priced at 8.3×.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.8%** (5-yr avg 12.8%). Free cash flow equals 7.8% of the market value, below its five-year average of 12.8%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 7.6%**. The inverse of the P/E: 7.6% of the price is earned each year.

## Profitability
- **Net margin: 141.5%**. 141.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 9.1%**. 9.1% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.1%**. Each dollar of assets produces 1.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 6.4%** (3-yr 5.8%/yr, 5-yr 12.1%/yr). Revenue grew 6.4% over the last year, against 12.1% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 13.9%** (3-yr -1.4%/yr, 5-yr 15.0%/yr). Earnings per share rose 13.9%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -16.6%/yr**. Free cash flow has compounded at -16.6% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.64%** ($0.62 per share, trailing). Huntington Bancshares Incorporated yields 3.64%, an income-level yield.
- **Payout ratio: 41%** (40% of free cash flow). 41% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 16**. 16 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 0.7%/yr** (1-yr 0.0%). The dividend has grown 0.7% a year over five years.

## Analyst view
- **Analyst consensus: buy** (19 analysts). 19 analysts cover Huntington Bancshares Incorporated; the consensus is buy, with an average price target of $20.30 (+19% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -1.2%** (YTD 0.0%, 3-mo 4.0%). The shares are down 1.2% over twelve months including dividends.
- **From 52-week high: -12.5%** (14.4% above the low). Trading 12% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 47**. An RSI of 47 is neutral.
- **Beta (1 yr): 0.82** (volatility 26%). Beta of 0.82 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=HBAN · Page: https://foliofundamentals.com/stocks/hban

Not investment advice.