Fair value (multi-method)
Four independent methods triangulate what HBAN is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$49.27
Method range
$10.47 – $49.27
median $18.04
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $49.27 | +198.26% |
| Exit multiple | $15.69 | -5.01% |
| Analyst target | $20.38 | +23.37% |
| Graham number | $10.47 | -36.63% |
- Forward DCF$49.27
- Exit multiple$15.69
- Analyst target$20.38
- Graham number$10.47
Stock price
$16.52
FCF / share (TTM)
$0.21
3Y FCF CAGR
1.8%
Fair value @ hist. growth
$3.02
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied FCF growth
24.7%
per year over your projection horizon
Margin of safety -447.7% vs hist-growth DCF
Historical 3Y CAGR
1.8%
Your model implies
24.7%
Analyst consensus is EPS-only — no comparable FCF / share estimate to show on this basis.
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Undiscounted FCF per share over 10 years at 2% annual growth.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 7.4% | 21.0% | 20.1% | 19.1% | 17.9% | 16.7% |
| 8.4% | 23.7% | 22.9% | 22.0% | 21.1% | 20.1% |
| 9.4% | 26.1% | 25.5% | 24.7% | 23.9% | 23.1% |
| 10.4% | 28.5% | 27.8% | 27.2% | 26.5% | 25.8% |
| 11.4% | 30.7% | 30.1% | 29.5% | 28.9% | 28.3% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
Net debt
$16.7B
Total debt − cash
Beta
0.97
Vs market benchmark
Frequently asked questions
Huntington Bancshares (HBAN) Key Financials
Charts, filings, and peer comparison for every metric
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