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Intrinsic value of Huntington Bancshares Incorporated (HBAN)

Previous Close$13.45
Intrinsic Value
Upside potential
Previous Close
$13.45
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh16.33 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Huntington Bancshares Incorporated operates as a holding company for The Huntington National Bank that provides commercial, small business, consumer, and mortgage banking services. The company operates through four business segments: Consumer and Business Banking, Commercial Banking, Vehicle Finance, and Regional Banking and The Huntington Private Client Group (RBHPCG). The Consumer and Business Banking segment offers financial products and services, such as checking accounts, savings accounts, money market accounts, certificates of deposit, consumer loans, mortgage loans, credit cards, and small business loans, as well as investment products. It also provides insurance, interest rate risk protection, foreign exchange, and treasury management services, as well as online, mobile, and telephone banking services. The Commercial Banking segment offers banking solutions and asset finance services; corporate risk management services; institutional sales, trading, and underwriting services; institutional corporate banking services; treasury management services; and other financing solutions, as well as lends real estate developers, REITs, and other customers. The Vehicle Finance segment provides financing to consumers for the purchase of automobiles, light-duty trucks, recreational vehicles, and marine craft at franchised and other select dealerships, as well as to franchised dealerships for the acquisition of new and used inventory. The RBHPCG segment provides deposits, lending, banking, wealth management, investment and portfolio management, fiduciary administration, trust, retirement plan, and institutional and mutual fund custody services. As of January 23, 2020, the company operated through 868 full-service branches, including 12 private client group offices, and 1,448 automated teller machines located in 7 Midwestern states. Huntington Bancshares Incorporated was founded in 1866 and is headquartered in Columbus, Ohio.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %30.6NaN
Revenue, $5934NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m4343NaN
Operating income, $m1591NaN
EBITDA, $m1982NaN
Interest expense (income), $mNaN
Earnings before tax, $m1447NaN
Tax expense, $m294NaN
Net income, $m1153NaN

BALANCE SHEET

Cash and short-term investments, $m5960NaN
Total assets, $m174064NaN
Adjusted assets (=assets-cash), $m168104NaN
Average production assets, $m5104NaN
Working capital, $m-26071NaN
Total debt, $m7883NaN
Total liabilities, $m154767NaN
Total equity, $m19297NaN
Debt-to-equity ratio0.409NaN
Adjusted equity ratio0.090NaN

CASH FLOW

Net income, $m1153NaN
Depreciation, amort., depletion, $m391NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m2102NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-247NaN
Free cash flow, $m2349NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-26071
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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