Also trades as: HBAN (NASDAQ) · $vol 398M · HBANO (NASDAQ) · $vol 2M · HBANL (NASDAQ) · $vol 1M · HBANM (NASDAQ) · $vol 0M · HBANZ (NASDAQ) · $vol 0M · 0J72.L (LSE) · $vol 0M · HBANN (NASDAQ) · $vol 0M

$14.68

-0.11 (-0.74%)

After Hours: $15.51 (+0.83, +5.65%)

Weekly Expected Move ±3.4%

$14 $14 $15 $15 $16

NASDAQ · Financial Services · Banks - Regional · Tech Score Strong Sell · Power 27 · $31.1B mcap · 20M float · 0.373% daily turnover · Short 52% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Analyst Recommendations

Strong Buy: 1Buy: 10Hold: 22Sell: 2Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$—

Analysts0

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. HBANP receives an overall rating of C. Areas of concern: ROE (1/5), ROA (1/5), P/E (1/5), P/B (1/5).

Rating Change History

Date	From	To
2026-10-22	B	C
2026-10-20	B+	B
2026-10-01	B	B+
2026-08-14	B-	B
2026-08-03	B	B-
2026-07-02	B+	B
2026-07-01	B	B+
2026-05-18	B-	B
2026-05-04	B	B-
2026-04-30	C-	B

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 59 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. HBANP scores highest in Earnings Quality (99/100) and lowest in Safety (50/100). An overall grade of A places HBANP among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.44

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✗ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-3.12

Unlikely Manipulator

Ohlson O-Score

-6.96

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

A-

Score: 68.8/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.24x

Accruals: -0.2%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. HBANP scores 2.44, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. HBANP scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. HBANP's score of -3.12 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. HBANP's implied 0.1% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. HBANP receives an estimated rating of A- (score: 68.8/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). HBANP's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

12.19x

PEG

-1.17x

P/S

2.08x

P/B

0.99x

P/FCF

10.77x

P/OCF

10.73x

EV/EBITDA

4.11x

EV/Revenue

1.05x

EV/EBIT

5.16x

EV/FCF

5.12x

Earnings Yield

7.53%

FCF Yield

9.29%

Shareholder Yield

4.60%

Graham Number

$21.24

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 12.2x earnings, HBANP trades at a reasonable valuation. An earnings yield of 7.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $21.24 per share, suggesting a potential 45% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.817

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.204

EBIT / Rev

Asset Turnover

0.059

Rev / Assets

Equity Multiplier

9.182

Assets / Equity

ROE

9.0%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. HBANP's ROE of 9.0% is driven by financial leverage (equity multiplier: 9.18x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$10.32

Price/Value

1.56x

Margin of Safety

-56.19%

Premium

56.19%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with HBANP's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. HBANP trades at a 56% premium to its adjusted intrinsic value of $10.32, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 12.2x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1441 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$14.68

Median 1Y

$13.72

5th Pctile

$9.61

95th Pctile

$19.63

Ann. Volatility

21.2%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Stephen D. Steinour Chairman, President and CEO	$965,909	$32,757	$1,968,566
Donald R. Kimble Chief Financial Officer	$467,042	$146,041	$758,067
Nicholas G. Stanutz Senior Executive Vice President and Dealer Sales Group Executive	$338,333	$108,349	$745,993
Mark E. Thompson Senior Executive Vice President and Director of Strategy & Segment Performance	$315,340	$92,477	$745,906
Daniel B. Benhase Senior Executive Vice President & Senior Trust Officer	$363,333	$137,007	$671,295
Thomas E. Hoaglin Former Chairman, President and CEO	$148,500	$91,453	$470,586

CEO Pay Ratio

12:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,968,566

Avg Employee Cost (SGA/emp): $171,122

Employees: 20,424

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

20,424

+2.5% YoY

Revenue / Employee

$611,291

Rev: $12,485,000,000

Profit / Employee

$108,255

NI: $2,211,000,000

SGA / Employee

$171,122

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	4.6%	6.7%	7.6%	9.2%	10.9%	12.1%	12.8%	13.1%	13.2%	10.5%	9.3%	8.8%	8.5%	9.9%	10.3%	10.4%	10.4%	10.0%	8.3%	9.0%	8.96%
ROA	0.5%	0.7%	0.8%	1.0%	1.1%	1.3%	1.3%	1.3%	1.3%	1.0%	0.9%	0.9%	0.9%	1.0%	1.0%	1.0%	1.1%	1.0%	0.9%	1.0%	0.98%
ROIC	5.2%	6.3%	6.0%	7.3%	8.8%	10.2%	8.7%	10.3%	11.9%	10.6%	10.6%	9.5%	8.8%	10.3%	10.3%	8.9%	8.4%	15.0%	12.1%	15.1%	15.15%
ROCE	3.5%	5.2%	5.2%	7.2%	7.5%	8.4%	8.0%	7.7%	7.9%	6.4%	5.3%	4.9%	4.8%	5.8%	5.8%	5.9%	1.3%	3.4%	0.9%	1.0%	1.04%
Gross Margin	1.0%	1.0%	95.6%	92.5%	86.1%	79.5%	72.3%	64.3%	63.0%	57.9%	57.9%	57.4%	57.4%	60.2%	60.5%	60.6%	62.3%	63.2%	64.1%	64.9%	64.91%
Operating Margin	26.9%	28.9%	33.5%	36.4%	35.6%	33.7%	29.5%	25.7%	24.4%	9.0%	17.9%	19.8%	20.7%	21.8%	21.9%	21.1%	23.7%	19.4%	17.0%	21.5%	21.50%
Net Margin	21.7%	23.6%	27.2%	29.7%	28.5%	27.4%	23.7%	20.6%	19.4%	8.8%	14.7%	16.0%	16.8%	17.3%	17.7%	17.7%	19.5%	16.0%	13.9%	17.4%	17.45%
EBITDA Margin	28.3%	34.3%	40.1%	41.6%	42.7%	39.2%	35.1%	33.1%	32.0%	17.7%	24.6%	25.5%	25.0%	26.0%	28.9%	21.5%	29.2%	25.3%	22.1%	26.1%	26.11%
FCF Margin	32.1%	29.9%	41.8%	37.8%	39.9%	48.0%	35.7%	29.0%	28.6%	23.2%	25.7%	22.0%	9.0%	14.0%	13.9%	15.9%	24.5%	18.1%	16.6%	20.5%	20.52%
OCF Margin	35.7%	33.9%	46.4%	41.7%	43.4%	50.7%	37.6%	30.5%	29.9%	24.5%	27.0%	23.4%	10.6%	15.2%	15.3%	17.4%	24.7%	19.1%	18.0%	20.6%	20.59%
ROE 3Y Avg	snapshot only																				8.69%
ROE 5Y Avg	snapshot only																				9.75%
ROA 3Y Avg	snapshot only																				0.91%
ROIC Economic	snapshot only																				4.46%
Cash ROA	snapshot only																				1.04%
Cash ROIC	snapshot only																				18.62%
CROIC	snapshot only																				18.55%
NOPAT Margin	snapshot only																				16.75%
Pretax Margin	snapshot only																				20.36%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				25.75%
SBC / Revenue	snapshot only																				0.87%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	33.35	23.68	20.13	12.45	10.96	9.37	9.67	9.41	9.29	11.93	14.73	14.26	16.91	12.85	11.99	11.95	12.23	12.14	14.44	13.28	12.190
P/S Ratio	6.80	5.04	3.78	3.18	3.00	2.64	2.62	2.33	2.10	2.15	2.34	2.11	2.40	2.08	2.03	2.07	2.21	2.15	2.40	2.21	2.077
P/B Ratio	1.53	1.59	1.33	1.23	1.28	1.18	1.23	1.20	1.18	1.20	1.35	1.23	1.36	1.26	1.20	1.20	1.22	1.10	0.98	0.98	0.987
P/FCF	21.17	16.90	9.04	8.42	7.51	5.50	7.32	8.02	7.32	9.24	9.10	9.57	26.54	14.91	14.61	13.02	9.03	11.85	14.44	10.77	10.767
P/OCF	19.05	14.87	8.15	7.63	6.90	5.21	6.96	7.62	7.02	8.76	8.66	9.00	22.74	13.74	13.30	11.93	8.95	11.26	13.31	10.73	10.730
EV/EBITDA	19.64	16.06	13.69	11.34	9.43	7.78	9.22	7.53	6.43	7.10	7.90	7.87	9.75	8.03	7.57	9.17	9.69	5.31	5.45	4.11	4.115
EV/Revenue	6.27	5.23	4.11	4.10	3.76	3.18	3.63	2.80	2.23	2.08	2.12	1.97	2.27	2.03	1.99	2.32	2.56	1.39	1.33	1.05	1.051
EV/EBIT	24.97	20.00	17.57	13.02	11.14	9.14	10.83	9.10	7.94	9.47	11.02	11.03	13.35	10.11	9.47	10.87	11.56	6.47	6.61	5.16	5.164
EV/FCF	19.52	17.53	9.83	10.83	9.41	6.63	10.16	9.65	7.78	8.97	8.26	8.93	25.11	14.53	14.35	14.59	10.47	7.68	8.01	5.12	5.123
Earnings Yield	3.0%	4.2%	5.0%	8.0%	9.1%	10.7%	10.3%	10.6%	10.8%	8.4%	6.8%	7.0%	5.9%	7.8%	8.3%	8.4%	8.2%	8.2%	6.9%	7.5%	7.53%
FCF Yield	4.7%	5.9%	11.1%	11.9%	13.3%	18.2%	13.7%	12.5%	13.7%	10.8%	11.0%	10.5%	3.8%	6.7%	6.8%	7.7%	11.1%	8.4%	6.9%	9.3%	9.29%
Price/Tangible Book	snapshot only																				1.487
EV/OCF	snapshot only																				5.106
EV/Gross Profit	snapshot only																				1.650
Acquirers Multiple	snapshot only																				5.164
Shareholder Yield	snapshot only																				4.60%
Graham Number	snapshot only																				$21.24

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.11	0.09	0.08	0.08	0.08	0.09	0.12	0.12	0.13	0.14	0.16	0.16	0.16	0.15	0.16	0.13	62.99	0.19	20.08	12.39	12.387
Quick Ratio	0.11	0.09	0.08	0.08	0.08	0.09	0.12	0.12	0.13	0.14	0.16	0.16	0.16	0.15	0.16	0.13	62.99	0.19	20.08	12.39	12.387
Debt/Equity	0.42	0.39	0.39	0.61	0.62	0.66	1.06	0.87	0.73	0.67	0.78	0.85	0.80	0.84	0.92	0.86	0.79	0.76	0.72	0.67	0.670
Net Debt/Equity	-0.12	0.06	0.12	0.35	0.32	0.24	0.47	0.24	0.07	-0.04	-0.12	-0.08	-0.07	-0.03	-0.02	0.15	0.19	-0.39	-0.44	-0.51	-0.511
Debt/Assets	0.05	0.04	0.04	0.06	0.06	0.06	0.11	0.09	0.07	0.07	0.08	0.08	0.08	0.08	0.09	0.09	0.08	0.08	0.08	0.08	0.077
Debt/EBITDA	5.87	3.75	3.66	4.35	3.64	3.61	5.77	4.55	3.73	4.09	5.04	5.85	6.09	5.48	5.89	5.85	5.40	5.64	7.23	5.93	5.934
Net Debt/EBITDA	-1.66	0.58	1.10	2.53	1.91	1.32	2.57	1.27	0.38	-0.21	-0.81	-0.56	-0.55	-0.21	-0.14	0.99	1.33	-2.88	-4.37	-4.53	-4.532
Interest Coverage	28.23	17.88	6.32	10.21	6.95	3.97	2.33	1.44	1.03	0.69	0.54	0.48	0.44	0.53	0.56	0.58	0.63	0.62	0.60	0.63	0.625
Equity Multiplier	8.93	9.02	9.58	9.96	10.47	10.32	10.08	10.03	10.10	9.78	10.02	10.06	9.73	10.35	10.26	9.93	9.45	9.25	8.77	8.70	8.705
Cash Ratio	snapshot only																				12.387
Debt Service Coverage	snapshot only																				0.785
Cash to Debt	snapshot only																				1.764
FCF to Debt	snapshot only																				0.135
Defensive Interval	snapshot only																				2250.9 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.03	0.03	0.04	0.04	0.04	0.04	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.05	0.06	0.059
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	0.89	0.97	1.83	1.15	1.29	1.22	1.27	1.41	1.60	1.59	1.66	1.71	1.72	1.66	1.75	1.75	2.82	3.29	3.73	4.04	4.043
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	410	377	200	318	283	300	287	258	227	229	220	213	212	220	208	208	130	111	98	90	90.3 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	410	377	200	318	283	300	287	258	227	229	220	213	212	220	208	208	130	111	98	90	—
Fixed Asset Turnover	snapshot only																				6.637
Cash Velocity	snapshot only																				0.374
Capital Intensity	snapshot only																				19.707

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	—	—	4.2%	1.6%	66.4%	30.8%	35.1%	39.6%	43.1%	36.3%	26.7%	17.4%	11.6%	10.4%	8.6%	6.7%	5.7%	4.4%	9.7%	18.5%	18.53%
Net Income	—	—	1.3%	2.4%	1.2%	72.8%	94.6%	35.1%	18.0%	-12.8%	-25.7%	-29.9%	-29.7%	-0.6%	15.8%	25.4%	34.4%	14.0%	7.8%	13.6%	13.65%
EPS	—	—	63.5%	1.6%	1.3%	73.2%	93.9%	34.8%	17.8%	-12.9%	-25.9%	-30.3%	-30.2%	-1.1%	15.2%	24.8%	33.7%	7.2%	-16.0%	-14.8%	-14.78%
FCF	—	—	21.5%	2.0%	1.1%	1.1%	15.3%	7.2%	2.6%	-34.0%	-8.9%	-10.9%	-64.7%	-33.6%	-41.3%	-22.8%	1.9%	35.5%	31.2%	52.7%	52.74%
EBITDA	—	—	1.8%	1.8%	1.1%	63.9%	76.9%	43.7%	24.4%	-2.0%	-13.6%	-21.1%	-25.0%	-4.9%	6.6%	8.3%	19.9%	8.3%	1.8%	19.5%	19.47%
Op. Income	—	—	1.4%	2.5%	1.2%	73.7%	93.4%	36.6%	19.1%	-13.7%	-27.2%	-32.0%	-32.4%	0.8%	18.8%	27.9%	37.6%	11.9%	5.1%	12.9%	12.93%
OCF Growth	snapshot only																				40.42%
Asset Growth	snapshot only																				36.70%
Equity Growth	snapshot only																				55.89%
Debt Growth	snapshot only																				21.09%
Shares Change	snapshot only																				33.36%
Dividend Growth	snapshot only																				-15.85%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	—	—	—	—	—	—	—	—	—	—	1.1%	62.7%	38.5%	25.3%	22.9%	20.5%	19.0%	16.2%	14.7%	14.1%	14.10%
Revenue 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	60.0%	40.4%	40.38%
EPS 3Y	—	—	—	—	—	—	—	—	—	—	32.9%	35.4%	23.0%	14.3%	18.3%	5.5%	3.2%	-2.6%	-10.5%	-9.5%	-9.49%
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	17.8%	21.4%	21.45%
Net Income 3Y	—	—	—	—	—	—	—	—	—	—	49.2%	48.2%	22.7%	14.4%	18.8%	5.9%	3.7%	-0.4%	-2.5%	-0.0%	-0.03%
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	32.9%	35.9%	35.92%
EBITDA 3Y	—	—	—	—	—	—	—	—	—	—	61.9%	46.4%	24.7%	15.1%	17.7%	7.1%	3.8%	0.3%	-2.1%	0.7%	0.70%
EBITDA 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	35.7%	32.3%	32.34%
Gross Profit 3Y	—	—	—	—	—	—	—	—	—	—	68.0%	39.1%	16.4%	5.3%	5.0%	2.3%	3.3%	3.4%	5.0%	8.2%	8.19%
Gross Profit 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	42.3%	29.7%	29.74%
Op. Income 3Y	—	—	—	—	—	—	—	—	—	—	50.1%	47.5%	21.6%	14.7%	18.7%	5.9%	3.5%	-0.9%	-3.2%	-0.6%	-0.57%
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	33.4%	35.9%	35.90%
FCF 3Y	—	—	—	—	—	—	—	—	—	—	—	41.3%	-9.2%	-2.7%	-14.9%	-9.7%	1.1%	-15.9%	-11.1%	1.7%	1.65%
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	27.2%	27.17%
OCF 3Y	—	—	—	—	—	—	—	—	—	—	—	39.2%	-7.7%	-4.2%	-15.2%	-10.0%	-1.4%	-16.0%	-10.2%	0.0%	0.04%
OCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	24.6%	24.60%
Assets 3Y	—	—	—	—	—	—	—	—	—	—	15.4%	3.9%	4.9%	5.5%	5.8%	5.1%	5.4%	7.2%	14.7%	14.6%	14.64%
Assets 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	17.8%	10.1%	10.15%
Equity 3Y	—	—	—	—	—	—	—	—	—	—	12.4%	-1.6%	1.9%	0.8%	3.5%	5.2%	9.1%	11.1%	20.1%	20.2%	20.19%
Book Value 3Y	—	—	—	—	—	—	—	—	—	—	0.1%	-10.1%	2.1%	0.6%	3.0%	4.8%	8.6%	8.7%	10.3%	8.8%	8.82%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	-10.0%	-7.5%	1.0%	0.3%	-0.6%	-1.0%	-1.2%	-3.2%	-7.7%	-5.9%	-5.92%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	—	—	—	—	—	—	0.95	0.98	1.00	0.98	0.95	0.96	0.97	0.98	0.97	0.94	0.89	0.88	0.92	0.94	0.940
Earnings Stability	—	—	—	—	—	—	0.98	0.96	0.92	0.46	0.64	0.46	0.30	0.28	0.60	0.46	0.39	0.41	0.61	0.54	0.542
Margin Stability	—	—	—	—	—	—	0.84	0.86	0.83	0.79	0.75	0.78	0.76	0.75	0.77	0.75	0.77	0.80	0.70	0.79	0.788
Rev. Growth Consistency	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.000
FCF Positive Streak	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	—	—	—	—	—	—	0.50	0.86	0.93	0.95	0.90	0.88	0.88	1.00	0.94	0.90	0.86	0.94	0.97	0.95	0.945
Earnings Smoothness	—	—	0.21	0.00	0.24	0.47	0.36	0.70	0.83	0.86	0.70	0.65	0.65	0.99	0.85	0.77	0.71	0.87	0.93	0.87	0.872
ROE Trend	—	—	—	—	—	—	0.07	0.07	0.05	0.00	-0.01	-0.03	-0.04	-0.02	-0.01	-0.01	-0.00	-0.01	-0.03	-0.02	-0.020
Gross Margin Trend	—	—	—	—	—	—	-0.22	-0.21	-0.26	-0.29	-0.27	-0.27	-0.24	-0.18	-0.12	-0.07	-0.03	0.00	0.03	0.04	0.044
FCF Margin Trend	—	—	—	—	—	—	0.20	-0.07	-0.07	-0.16	-0.13	-0.11	-0.25	-0.22	-0.17	-0.10	0.06	-0.00	-0.03	0.02	0.015
Sustainable Growth Rate	1.3%	2.1%	1.7%	3.9%	5.4%	6.6%	7.4%	7.6%	7.5%	4.9%	3.8%	3.3%	3.1%	4.6%	5.1%	5.3%	5.6%	5.4%	4.4%	4.6%	4.63%
Internal Growth Rate	0.1%	0.2%	0.2%	0.4%	0.6%	0.7%	0.8%	0.8%	0.7%	0.5%	0.4%	0.3%	0.3%	0.5%	0.5%	0.5%	0.6%	0.6%	0.5%	0.5%	0.51%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.75	1.59	2.47	1.63	1.59	1.80	1.39	1.23	1.32	1.36	1.70	1.58	0.74	0.94	0.90	1.00	1.37	1.08	1.08	1.24	1.237
FCF/OCF	0.90	0.88	0.90	0.91	0.92	0.95	0.95	0.95	0.96	0.95	0.95	0.94	0.86	0.92	0.91	0.92	0.99	0.95	0.92	1.00	0.997
FCF/Net Income	snapshot only																				1.233
OCF/EBITDA	snapshot only																				0.806
CapEx/Revenue	3.6%	4.1%	4.6%	3.9%	3.5%	2.7%	1.9%	1.5%	1.2%	1.3%	1.3%	1.4%	1.5%	1.2%	1.4%	1.5%	0.2%	0.9%	1.4%	0.1%	0.07%
CapEx/Depreciation	snapshot only																				0.013
Accruals Ratio	-0.00	-0.00	-0.01	-0.01	-0.01	-0.01	-0.01	-0.00	-0.00	-0.00	-0.01	-0.01	0.00	0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.002
Sloan Accruals	snapshot only																				0.718
Cash Flow Adequacy	snapshot only																				2.542
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	2.1%	2.9%	3.9%	4.6%	4.6%	4.8%	4.4%	4.5%	4.7%	4.4%	4.0%	4.4%	3.7%	4.2%	4.2%	4.1%	3.8%	3.8%	3.3%	3.6%	3.94%
Dividend/Share	$0.43	$0.60	$0.65	$0.70	$0.69	$0.69	$0.69	$0.69	$0.70	$0.70	$0.71	$0.71	$0.71	$0.71	$0.70	$0.70	$0.69	$0.65	$0.55	$0.59	$0.62
Payout Ratio	71.6%	68.6%	77.9%	57.3%	50.4%	45.1%	42.5%	42.1%	43.5%	53.0%	58.9%	62.4%	63.3%	53.9%	50.6%	48.9%	46.0%	46.0%	47.8%	48.2%	48.25%
FCF Payout Ratio	45.5%	48.9%	35.0%	38.8%	34.5%	26.5%	32.2%	35.9%	34.3%	41.1%	36.4%	41.8%	99.4%	62.6%	61.7%	53.3%	34.0%	44.9%	47.8%	39.1%	39.13%
Total Payout Ratio	1.9%	1.7%	1.9%	1.3%	62.9%	45.1%	42.5%	42.1%	43.5%	57.2%	63.6%	67.3%	68.3%	75.1%	70.7%	68.3%	64.5%	46.0%	54.6%	61.1%	61.13%
Div. Increase Streak	0	0	1	1	1	1	1	0	1	1	1	0	1	1	0	0	0	0	0	0	0
Chowder Number	—	—	4.11	1.77	0.62	0.19	0.10	0.04	0.07	0.07	0.07	0.08	0.06	0.05	0.04	0.02	0.01	0.01	0.05	0.16	0.159
Buyback Yield	3.7%	4.4%	5.5%	6.1%	1.1%	0.0%	0.0%	0.0%	0.0%	0.4%	0.3%	0.3%	0.3%	1.6%	1.7%	1.6%	1.5%	0.0%	0.5%	1.0%	0.97%
Net Buyback Yield	3.7%	4.4%	5.5%	6.1%	1.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	1.6%	1.7%	1.6%	-1.2%	-2.8%	-1.9%	-1.4%	-1.36%
Total Shareholder Return	5.8%	7.3%	9.3%	10.7%	5.7%	4.8%	4.4%	4.5%	4.7%	4.4%	4.0%	4.4%	3.7%	5.8%	5.9%	5.7%	2.5%	1.0%	1.5%	2.3%	2.28%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.81	0.81	0.80	0.81	0.81	0.81	0.81	0.80	0.80	0.82	0.82	0.83	0.83	0.81	0.80	0.81	0.82	0.82	0.82	0.82	0.817
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.25	0.26	0.23	0.31	0.34	0.35	0.34	0.31	0.28	0.22	0.19	0.18	0.17	0.20	0.21	0.21	0.22	0.22	0.20	0.20	0.204
Asset Turnover	0.03	0.03	0.04	0.04	0.04	0.04	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.05	0.06	0.059
Equity Multiplier	8.93	9.02	9.44	9.20	9.65	9.64	9.83	10.00	10.28	10.04	10.05	10.05	9.91	10.07	10.14	9.99	9.59	9.74	9.34	9.18	9.182

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$0.60	$0.88	$0.84	$1.21	$1.36	$1.52	$1.62	$1.64	$1.60	$1.33	$1.20	$1.14	$1.12	$1.31	$1.38	$1.42	$1.50	$1.41	$1.16	$1.21	$1.21
Book Value/Share	$13.10	$13.12	$12.60	$12.27	$11.70	$12.08	$12.77	$12.82	$12.59	$13.17	$13.11	$13.24	$13.95	$13.37	$13.79	$14.13	$14.98	$15.50	$17.11	$16.52	$15.96
Tangible Book/Share	$9.11	$9.07	$8.50	$7.98	$7.41	$7.80	$8.52	$8.55	$8.32	$8.93	$8.88	$9.01	$9.76	$9.14	$9.59	$9.94	$10.81	$11.21	$11.19	$10.84	$10.84
Revenue/Share	$2.95	$4.13	$4.45	$4.75	$4.98	$5.42	$5.99	$6.62	$7.11	$7.38	$7.56	$7.73	$7.89	$8.10	$8.16	$8.21	$8.29	$7.95	$6.98	$7.30	$7.57
FCF/Share	$0.95	$1.23	$1.86	$1.80	$1.99	$2.60	$2.14	$1.92	$2.04	$1.71	$1.94	$1.70	$0.71	$1.13	$1.13	$1.31	$2.03	$1.44	$1.16	$1.50	$1.46
OCF/Share	$1.05	$1.40	$2.06	$1.98	$2.16	$2.74	$2.25	$2.02	$2.12	$1.81	$2.04	$1.81	$0.83	$1.23	$1.25	$1.43	$2.05	$1.52	$1.26	$1.50	$1.47
Cash/Share	$7.09	$4.27	$3.42	$3.13	$3.44	$5.06	$7.53	$8.05	$8.26	$9.32	$11.87	$12.38	$12.20	$11.66	$12.96	$10.13	$8.91	$17.78	$19.81	$19.51	$18.33
EBITDA/Share	$0.94	$1.35	$1.34	$1.72	$1.98	$2.21	$2.36	$2.46	$2.46	$2.17	$2.03	$1.93	$1.84	$2.05	$2.15	$2.08	$2.19	$2.09	$1.71	$1.86	$1.86
Debt/Share	$5.52	$5.06	$4.89	$7.46	$7.23	$7.98	$13.59	$11.18	$9.20	$8.86	$10.23	$11.29	$11.19	$11.22	$12.66	$12.18	$11.83	$11.77	$12.35	$11.06	$11.06
Net Debt/Share	$-1.56	$0.78	$1.47	$4.33	$3.79	$2.92	$6.06	$3.13	$0.94	$-0.46	$-1.64	$-1.09	$-1.02	$-0.43	$-0.30	$2.05	$2.92	$-6.01	$-7.46	$-8.45	$-8.45

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.440
Altman Z-Prime	snapshot only																				1.100
Piotroski F-Score	4	4	6	6	6	7	6	6	6	5	6	6	4	5	6	6	7	6	6	7	7
Beneish M-Score	—	—	-2.02	-2.18	-2.12	-2.22	-2.17	-2.12	-2.17	-2.31	-2.37	-2.41	-2.36	-2.34	-2.42	-2.44	-3.02	-3.38	-3.12	-3.12	-3.121
Ohlson O-Score	snapshot only																				-6.964
ROIC (Greenblatt)	snapshot only																				7.80%
Net-Net WC	snapshot only																				$-107.74
EVA	snapshot only																				$820300000.00

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				A-
Credit Score	51.35	55.10	60.80	53.15	53.60	71.70	59.40	60.60	61.50	59.90	54.35	54.35	54.05	53.75	56.00	59.30	73.10	59.30	67.85	68.75	68.750
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				9.450
Implied Spread (bps)	snapshot only																				175.000

HBANP NASDAQ

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

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