HBAN Huntington Bancshares Incorporated
Financial Services
Price
$17.68
Intrinsic value
$13.21
Buy price
$10.57
Discount
-33.9%
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$17.68
Discount to intrinsic value-33.9%
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_PROXYCash-flow reliability
NOT_APPLICABLE- Operating CF / Net income
- 1.36x
Technical chart
Confluence: MODERATE (2/3)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.
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.