Huntington Bancshares Incorporated Depositary Shares each representing a 1/1000th interest in a share of Huntington Series I Preferred Stock (HBANM)

FairStock Score: 52/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I view HBANM first as a credit instrument, not as common equity. These depositary shares represent a 1/1000th interest in Huntington's Series I preferred, so the 7.36% dividend yield and the issuer's ability to pay it matter more than the common stock's P/E. The bank earned $2.2B in fiscal year 2025, $1.9B in fiscal year 2024, and $2.0B in fiscal year 2023, with diluted EPS of $1.39, $1.22, and $1.24; filed revenue rose from $1.4B in fiscal year 2023 to $1.6B in fiscal year 2025. In fiscal Q1 2026, the quarter ended 2026-03-31, it reported revenue of $472.0M, net income of $523.0M, and diluted EPS of $0.25. Those are steady, if not spectacular, results. FairStock calculates ROE of 9.19%, P/B of 1.33, P/E of 24.83, a PEG of 0.69, and a Piotroski score of 7/9, with an overall 52/100. The Lynch label is FAST GROWER on five-year profit growth of 22.0% and revenue growth of 12.1%, but a 9.19% ROE suggests a competitive regional-bank business rather than a wide moat. At $19.37 on 2026-10-26, near the 52-week low of $19.11, the preferred yields 7.36%; that looks fair for income if credit holds, not a fat bargain. The data do not include CET1, net interest margin, loan-loss reserves, or underwriting metrics; combined ratio is not applicable to a bank. I would demand a wider margin of safety until capital and credit are clear.

In plain English: Huntington Bancshares is a regional bank. The security in question is a preferred-stock depositary share, meaning it pays a stated dividend and ranks ahead of common stock but behind the bank's debts. The bank's profits have been fairly steady and returns are modest; at $19.37, with a 7.36% yearly dividend and a price near the low end of its one-year range, the security looks fairly priced for income, not obviously cheap, and important bank-safety numbers are missing.

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Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · fiscal Q1 2025 10-Q (period ended 2025-03-31) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer