HBAN

HOLD

Huntington Bancshares Incorpora

Financial Services · Rank #98 · Analyzed Apr 20, 2026

$16.85

Current Price

$19.82

Intrinsic Value

+41.2%

Upside/Downside

6.2/10

Score

2.5/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree

Quality Score2.5/5.0

Framework RatingHOLD

Price vs Intrinsic ValueUndervalued by 41.2%

Fair Value Range

Low$9.57

Base (IV)$19.82

High$23.79

Entry Points

Conservative$9.57

Moderate$14.70

Aggressive$19.82

⚠️ Warnings

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

Quality & Moat Breakdown

Return on Equity10.1% → 0.5/1.0

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 Margins28.7% → 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.