HBAN Huntington Bancshares

bank · 2026-10-27

N/A

too hard · 56

Owner-earnings value$13.01

Price$15.73

Margin of safety -17.3%

Quality gate · 56/100

Returns on capital 10.5/30

Consistency 20.5/22

Margins / pricing power 4/16

Balance sheet 14.3/16

Cash conversion 5.0/10

Capital allocation 1.8/6

⚠ weak through-cycle ROE (10%)

Median ROE10.0%

FCF conversion123%

Share count / yr+2.8%

Profitable years4/4

Moat & management

Owner-earnings inputs

Owner earnings (TTM)	2.40B
Owner-earnings yield	7.5%
Free-cash-flow yield	8.4%
Growth used (normalized)	3.9%
Terminal growth	3.0%
Discount rate (hurdle)	9.4%

⚠ financial — owner earnings ≈ net income · financial — valued by residual income (ROE vs cost of equity on book equity)

Date	Quality	Price	Value	MoS	Rating
2026-10-27	56	$15.73	$13.01	-17.3%	N/A
2026-10-08	56	$15.17	$12.42	-18.1%	N/A
2026-09-21	56	$15.88	$13.29	-16.3%	N/A
2026-09-02	56	$16.42	$13.69	-16.6%	N/A
2026-08-14	56	$17.77	$14.06	-20.9%	N/A
2026-07-28	56	$17.16	$12.35	-28.1%	N/A
2026-07-09	56	$17.46	$12.46	-28.6%	N/A
2026-07-02	56	$18.11	$12.50	-31.0%	N/A
2026-07-01	56	$18.11	$12.73	-29.7%	N/A
2026-06-25	59	$17.58	$12.66	-28.0%	N/A
2026-06-23	59	$17.40	$12.46	-28.4%	N/A

Date

Quality

Price

Value

MoS

Rating

2026-10-27

$15.73

$13.01

-17.3%

N/A

2026-10-08

$15.17

$12.42

-18.1%

N/A

2026-09-21

$15.88

$13.29

-16.3%

N/A

2026-09-02

$16.42

$13.69

-16.6%

N/A

2026-08-14

$17.77

$14.06

-20.9%

N/A

2026-07-28

$17.16

$12.35

-28.1%

N/A

2026-07-09

$17.46

$12.46

-28.6%

N/A

2026-07-02

$18.11

$12.50

-31.0%

N/A

2026-07-01

$18.11

$12.73

-29.7%

N/A

2026-06-25

$17.58

$12.66

-28.0%

N/A

2026-06-23

$17.40

$12.46

-28.4%

N/A

Quality gate · 56/100

Moat & management

Owner-earnings inputs

History