HBAN Huntington Bancshares Incorporated

Financial Services

Price

$15.33

Intrinsic value

$13.21

Buy price

$10.57

Discount

-16.1%

Overvalued

Live signals

Daily bars as of Oct 8, 2026

Nothing firing right now - no PAM pattern in the last 5 daily bars, and no DR1 support reclaim in the last 5 weekly bars. Technical confluence is DOWNTREND (0/3) - see the chart below.

DCF walkthrough

This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.

Discount rate9.00%

Margin of safety20.00%

Operating CF: $3,062,000,000.00
Total debt: $22,609,999,872.00
Cash & STI: $16,606,999,552.00
Shares out.: 2,048,311,000

Overvalued

Intrinsic value$13.20

Buy price (with MOS)$10.56

Current price$15.33

Discount to intrinsic value-16.1%

7-step quality scorecard

ROE quality

LOW

Average ROE: 10.4%
Current ROE: 9.1%
Minimum ROE: 9.1%

Debt quality

MODERATE

Debt / Equity: 0.93x

Moat proxy

WEAK_PROXY

Cash-flow reliability

NOT_APPLICABLE

Operating CF / Net income: 1.36x

Technical chart

Confluence: DOWNTREND (0/3)

Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim (see Live signals above for when it fired).

Assumptions & data quality

Data source: yfinance
Growth (g1) source: min(cfCAGR,revenueCAGR)
Valuation model: EXCESS_RETURN
Debt as % of DCF PV: 108.6%
Public economic interest: 99.8%

These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.