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HBAN vs NTRS

HBAN
Huntington Bancshares Incorporated
NEUTRAL
Price
$16.38
Market Cap
$33.37B
Sector
Financial Services
AI Confidence
80%
NTRS
Northern Trust Corporation
NEUTRAL
Price
$156.07
Market Cap
$29.52B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
HBAN
11.78
NTRS
17.82
Forward P/E
HBAN
8.56
NTRS
13.87
P/B Ratio
HBAN
1.19
NTRS
2.41
P/S Ratio
HBAN
4.34
NTRS
3.65
EV/EBITDA
HBAN
--
NTRS
--

Profitability

Gross Margin
HBAN
0.0%
NTRS
0.0%
Operating Margin
HBAN
39.78%
NTRS
28.99%
Profit Margin
HBAN
28.74%
NTRS
21.46%
ROE
HBAN
10.1%
NTRS
13.49%
ROA
HBAN
1.04%
NTRS
1.04%

Growth

Revenue Growth
HBAN
10.3%
NTRS
8.2%
Earnings Growth
HBAN
-10.9%
NTRS
7.6%

Financial Health

Debt/Equity
HBAN
--
NTRS
--
Current Ratio
HBAN
--
NTRS
--
Quick Ratio
HBAN
--
NTRS
--

Dividends

Dividend Yield
HBAN
3.79%
NTRS
2.02%
Payout Ratio
HBAN
44.6%
NTRS
35.47%

AI Verdict

HBAN NEUTRAL

HBAN presents a mixed profile with a stable Piotroski F-Score of 4/9 and a Graham Number of $20.76 suggesting significant defensive undervaluation relative to its current price of $16.38. While the bank maintains a healthy dividend payout ratio and consistent historical earnings beats, there is a concerning divergence between revenue growth (+10.30%) and earnings growth (-10.90%). The technical trend is currently bearish (0/100), and the intrinsic growth-based value ($9.73) suggests the market is pricing in premiums that the current earnings trajectory does not fully support.

Strengths
Attractive valuation with a P/E of 11.78 and Forward P/E of 8.56
Trading significantly below its Graham Number of $20.76
Sustainable dividend profile with a 44.60% payout ratio
Risks
Negative earnings growth (-10.90% YoY) indicating margin compression
Bearish technical trend (0/100 score)
Piotroski F-Score of 4/9 indicates only stable, not strong, financial health
NTRS NEUTRAL

Northern Trust (NTRS) presents a stable financial profile with a Piotroski F-Score of 4/9, indicating a baseline of stability but lacking strong momentum in financial health. While the stock is trading near its growth-based intrinsic value of $161.18, it sits significantly above its defensive Graham Number of $113.01, suggesting a premium valuation. Recent price performance has been exceptional (+79.2% 1Y), but the stock is now hitting a ceiling near its 52-week high with a bearish technical trend (10/100) and negative insider sentiment. The combination of a 'Hold' analyst consensus and CFO selling suggests the current price may be fully valued.

Strengths
Consistent earnings performance with 3 of the last 4 quarters beating estimates
Sustainable dividend profile with a low payout ratio of 35.47%
Strong 1-year price appreciation of 79.2%
Risks
Technical trend is heavily bearish (10/100), suggesting a potential reversal or peak
Insider activity is bearish, specifically with sales from the CFO
Trading at a significant premium to the Graham Number ($113.01)

Compare Another Pair

HBAN vs NTRS: Head-to-Head Comparison

This page compares Huntington Bancshares Incorporated (HBAN) and Northern Trust Corporation (NTRS) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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