What Is HBAN Fair Value?
Huntington Bancshares (HBAN) fair value estimate using multiple valuation models, updated daily.
As of July 16, 2026, Huntington Bancshares (HBAN) has a composite fair value estimate of $37.19 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $18.12, suggesting the stock is undervalued by 105.3%.
Data as of July 16, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$37.19
vs. current price of $18.12(+105.3%)
How Is HBAN Fair Value Calculated?
Four independent models estimate what HBAN is worth. Each uses different inputs and assumptions. The composite blends them by weight.
HBAN Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$53.15
+193.3%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$25.36
+40.0%Undervalued
Inputs used
HBAN Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$23.05
+27.2%Undervalued
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$22.97
+26.8%Undervalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $18.12 is 193.3% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $2.85B | $2.65B |
| Year 2 | $3.25B | $2.82B |
| Year 3 | $3.72B | $3.00B |
| Year 4 | $4.25B | $3.18B |
| Year 5 | $4.85B | $3.39B |
| Year 6 | $5.54B | $3.60B |
| Year 7 | $6.33B | $3.83B |
| Year 8 | $7.23B | $4.07B |
| Year 9 | $8.26B | $4.32B |
| Year 10 | $9.43B | $4.60B |
| Terminal Value | $195.14B | $95.07B |
What Are HBAN's Key Financial Metrics?
Earnings & Growth
Current Price
$18.12
EPS (TTM)
$1.32
Forward P/E
9.5
Profit Margin
26.6%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$14.63
Total Debt
23.9B
What Do Analysts Say About HBAN?
Low
$18.60
Average
$20.45
High
$22.50
Upside
+12.9%
HBAN Fair Value FAQ
What is the fair value of HBAN?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), HBAN's estimated fair value is $37.19. The stock is currently trading at $18.12, which makes it undervalued by our analysis.
How is HBAN's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is HBAN overvalued or undervalued?
Based on our analysis, HBAN is undervalued. The current price of $18.12 is 105.3% below our estimated fair value of $37.19.
What do Wall Street analysts say about HBAN?
18 analysts cover Huntington Bancshares with a consensus rating of "Buy." The average price target is $20.45, ranging from $18.60 to $22.50. This implies 12.9% upside from the current price.