Stock fact sheet · data as of
Huntington Bancshares Incorporated (HBANZ): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is HBANZ undervalued?
HBANZ closed at 18.56 on 16 Oct 2026, which is 14% above the GLS average fair value of 16.29 from 9 models. 5 of them value the shares below today's price. Our screens read that as "no margin of safety": the stock is not a value candidate at this price, whatever the quality numbers say.
There is a wide gap between DCF (0.9267) and 10 Cap (36.84). 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.
The nightly engine files HBANZ under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for HBANZ
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.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 0.9267 | -95% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 21.56 | +16% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 24.04 | +30% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 5.96 | -68% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 3.39 | -82% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 36.84 | +98% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 28.24 | +52% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 9.12 | -51% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 16.56 | -11% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -95.90 | -617% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Huntington Bancshares Incorporated scores only 0 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 4.0/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
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 9.5%.
The dividend yield is high at 4.04% (payout ratio 48%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
Institutional ownership scores 5/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 0 / 9 | ROIC | 5.2% |
|---|---|---|---|
| GLS Moat | 4.0 / 10 | ROE | 9.1% |
| Debt / equity | 0.76 | ROA | 1.0% |
| Free-cash-flow yield | 9.5% | Payout ratio | 48% |
| Institutions | 5 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 25: No options
No options are listed on Huntington Bancshares Incorporated in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 25) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 25k shares a day on a market cap of $33.4B, with a beta of 0.95; the Stability part of the Wheel Score gives that 12 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 7 / 25 | -14% margin of safety | |
| Health | 0 / 20 | Piotroski 0/9 | |
| Moat | 6 / 15 | moat 4.0/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 12 / 20 | 25k shares/day, $33.4B cap, beta 0.95 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for HBANZ in the nightly calendar. The shares go ex-dividend on 5 Nov 2026 (0.3438 per share), so a covered call sold before then carries a small early-assignment risk around that date.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
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.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| SHG Shinhan Financial Group Co., Ltd. | 70.71 | 123,755.24 | +100% | 85Prime | $33.3B |
| HBANL Huntington Bancshares Incorporated | 24.82 | 22.07 | -12% | 39No options | $34.2B |
| NWG NatWest Group plc | 17.47 | 60.29 | +71% | 84Prime | $34.7B |
| MTB M&T Bank Corporation | 218.65 | 334.98 | +35% | 83Prime | $31.6B |
| HBANM Huntington Bancshares Incorporated | 19.48 | 19.52 | +0% | 39No options | $31.1B |
| HBANP Huntington Bancshares Incorporated | 15.83 | 17.77 | +11% | 39No options | $31.1B |
| HBAN Huntington Bancshares Incorporated | 15.35 | 17.54 | +12% | 74Good | $31.0B |
| BBDO Banco Bradesco S.A. | 3.59 | 42.28 | +92% | 39No options | $40.1B |
| KB KB Financial Group Inc. | 117.88 | 54,728.61 | +100% | 79Good | $41.7B |
| BSBR Banco Santander (Brasil) S.A. | 5.59 | 22.36 | +75% | 71Good | $41.9B |
| CFG Citizens Financial Group, Inc. | 63.43 | 89.86 | +29% | 86Prime | $26.7B |
| BBD Banco Bradesco S.A. | 4.03 | 44.33 | +91% | 86Prime | $43.5B |
⚖ Compare HBANZ with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about HBANZ
Is HBANZ undervalued right now?
No: at 18.56 the stock trades 14% above the GLS average fair value of 16.29 (data as of 16 Oct 2026). The margin of safety is negative.
What is the Wheel Score of HBANZ and what does it mean?
HBANZ has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for HBANZ?
16.29 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Huntington Bancshares Incorporated report earnings next?
No upcoming earnings date is recorded for HBANZ in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does HBANZ have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on HBANZ, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.