HBAN

SELL

Huntington Bancshares Incorpora

Financial Services · Rank #288 · Analyzed Jul 13, 2026

$17.87

Current Price

$19.22

Intrinsic Value

+7.6%

Upside/Downside

2/10

Score

2/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree

Quality Score2/5.0

Framework RatingSELL

Price vs Intrinsic ValueUndervalued by 7.6%

Fair Value Range

Low$6.96

Base (IV)$19.22

High$23.06

Entry Points

Conservative$4.87

Moderate$6.96

Aggressive$13.45

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity8.4% → 0/1.0

Debt LevelD/E 100 → 0/1.0

Revenue QualityGrowth 10.1%, margin Δ+0.0% +recovery → 1.0/1.0

Moat Strength2.0/5 → 0/1.0

Profit Margins26.6% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods, Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation, with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.