Huntington Bancshares Incorporated (HBANP): fair value, margin of safety and Wheel Score

Is HBANP undervalued?

Huntington Bancshares Incorporated (HBANP) closed at 15.02 on 5 Nov 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 17.34, so the price sits 13% below it. 4 of the 9 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.

There is a wide gap between DCF (1.18) and 10 Cap (35.93). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.

Ranked against every other company we cover, HBANP is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 61, growth score 34, out of 100).

Nine valuation models for HBANP

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

Huntington Bancshares Incorporated scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability HBANP scores 6.4/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.

Returns on capital are moderate - ROIC 5.2%, ROE 9.1%, ROA 1.0% - with debt at 0.76 times equity and a free-cash-flow yield of 9.4%.

The dividend yield is 3.86% at a payout ratio of 50%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Cards And Payment Processing Revenue 46%, Trust And Investment Management Service… 31%, Service Charges Revenue 18% (quarter Q3 FY2026).

Institutional ownership scores 1/10, insider activity 4/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 28: No options

No options are listed on Huntington Bancshares Incorporated in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 28, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.

Volume runs at 107k shares a day on a market cap of $31.9B, with a beta of 0.87; the Stability part of the Wheel Score rates that strong.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

The next earnings report is due on 28 Jan 2027, 84 days away - outside the window of a 30-45-day put sold today. The next ex-dividend date is 31 Dec 2026 (0.2813 per share).

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

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The 12 companies below are the closest to Huntington Bancshares Incorporated by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

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