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Compare Stocks › AAPL vs HBAN

Apple Inc. (AAPL) vs Huntington Bancshares Incorporated (HBAN): Which Is the Better Buy in 2026?

As of 2026-06-19, AAPL is overvalued at $298, with a DCF intrinsic value of $182 and a margin of safety of -64%. HBAN is undervalued at $17, with an intrinsic value of $50 and a margin of safety of 66%. Of the two, HBAN has the wider margin of safety.

AAPL
Apple Inc.
$298.01
VS
HBAN
Huntington Bancshares Incorporated
$16.86

Rewards

AAPL
  • ★Apple Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★Apple Inc. scores 96/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
  • ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
HBAN
  • ★Huntington Bancshares Incorporated scores 89/100 on the Economic Moat Score (Wide Moat), with reinvestment efficiency as the strongest competitive dimension.

Risks

AAPL
  • ⚠FCF yield of 2.3% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
  • ⚠PEG ratio of 2.42 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
  • ⚠6 insider sales totaling $111.7M with no purchases in the past 3 months — insiders are reducing their exposure.
HBAN
  • ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
  • ⚠Despite buyback spending, shares outstanding increased in 2 out of 2 years — stock-based compensation is offsetting repurchases.
  • ⚠PEG ratio of 2.02 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.

Key Valuation Metrics

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AAPL
HBAN
Valuation
$101.09B
Free Cash Flow
N/A
2.31%
FCF Yield
N/A
36.08
Trailing P/E
12.97
31.06
Forward P/E
8.85
Quality & Moat
60.20%
ROIC
11.17%
141.47%
ROE
8.39%
47.86%
Gross Margin
0.00%
2.42
PEG Ratio
2.02
Balance Sheet Safety
0.15
Net Debt / Equity
N/A
N/A
Interest Coverage
N/A
0.10
Net Debt / EBITDA
N/A
0.36%
Dividend Yield
3.58%
AAPL: 3Ties: 1HBAN: 4
AAPLHBAN

Historical Fundamentals

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AAPL

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

HBAN

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

$1 Retained Earnings Test

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AAPL
$7.57
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$257.06B
Δ Market Cap
+$1.94T
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
HBAN
$2.28
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$3.01B
Δ Market Cap
+$6.85B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Discounted Cash Flow (DCF) Analysis

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AAPL
63.8% Overvalued
Price is 63.8% above estimated fair value
Current Price: $298.01
Fair Value: $181.90
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
HBAN
66.4% Margin of Safety
Price is 66.4% below estimated fair value
Current Price: $16.86
Fair Value: $50.17
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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AAPL

What growth rate is the market pricing in at $298?

+16.9%
Market-Implied Owner Earnings Growth
Standard FCF implies +18.3%

The market implies +16.9% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +18.3%, reflecting heavy growth investment.

HBAN

Requires positive FCF to compute implied growth rate.

Economic Moat Score

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AAPL
96/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
HBAN
89/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by reinvestment efficiency. Margin Stability is the area most vulnerable to competitive pressure.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.

Forensic Accounting

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AAPL
-2.29
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
HBAN
-2.40
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Ownership Breakdown

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AAPL
Insiders 1.6%Institutions 65.8%Retail & Other 32.5%
No. of Institutional Holders7,675
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
HBAN
Insiders 0.8%Institutions 89.5%Retail & Other 9.7%
No. of Institutional Holders1,522
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

Insider Buying Activity

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AAPL
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
HBAN
0
Buys (3M)
3
Buys (12M)
Total value (12M): $852,415
STEINOUR STEPHEN D
Chief Executive Officer
$499,971
@ $15.49 · 2026-03-12
TORGOW GARY
Director
$252,902
@ $17.81 · 2026-02-19
INGLIS JOHN C
Director
$99,542
@ $15.30 · 2025-11-04
Open market purchases · includes direct & indirect ownership · excludes option exercises

Open market purchases · includes direct & indirect ownership · excludes option exercises.

Insider Selling Activity

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AAPL
6
Sells (3M)
13
Sells (12M)
Total value (12M): $198.97M
LEVINSON ARTHUR D
Director
$15.55M
@ $311.02 · 2026-05-27
BORDERS BEN
Officer
$369,460
@ $290.00 · 2026-05-08
LEVINSON ARTHUR D
Director
$71.19M
@ $284.76 · 2026-05-06
PAREKH KEVAN
Chief Financial Officer
$421,850
@ $275.00 · 2026-04-23
COOK TIMOTHY D
Chief Executive Officer
$16.51M
@ $254.23 · 2026-04-02
O'BRIEN DEIRDRE
Officer
$7.66M
@ $255.35 · 2026-04-02
KONDO CHRISTOPHER
Officer
$1.02M
@ $271.23 · 2025-11-07
PAREKH KEVAN
Chief Financial Officer
$1.04M
@ $247.39 · 2025-10-16
ADAMS KATHERINE L
General Counsel
$12.10M
@ $256.79 · 2025-10-02
COOK TIMOTHY D
Chief Executive Officer
$33.38M
@ $256.81 · 2025-10-02
O'BRIEN DEIRDRE
Officer
$11.07M
@ $257.39 · 2025-10-02
LEVINSON ARTHUR D
Director
$20.89M
@ $232.07 · 2025-08-28
O'BRIEN DEIRDRE
Officer
$7.77M
@ $223.20 · 2025-08-08
KONDO CHRISTOPHER
Officer
$933,955
@ $208.19 · 2025-05-12
PAREKH KEVAN
Chief Financial Officer
$941,420
@ $206.00 · 2025-04-23
WILLIAMS JEFFREY E
Chief Operating Officer
$7.95M
@ $224.01 · 2025-04-02
ADAMS KATHERINE L
General Counsel
$8.68M
@ $223.67 · 2025-04-02
COOK TIMOTHY D
Chief Executive Officer
$24.18M
@ $223.65 · 2025-04-02
LEVINSON ARTHUR D
Director
$343,147
@ $226.35 · 2025-02-03
LEVINSON ARTHUR D
Director
$45.46M
@ $227.32 · 2024-11-19
KONDO CHRISTOPHER
Officer
$945,233
@ $228.87 · 2024-11-18
MAESTRI LUCA
Chief Financial Officer
$13.43M
@ $226.52 · 2024-10-04
WILLIAMS JEFFREY E
Chief Operating Officer
$13.55M
@ $226.86 · 2024-10-02
ADAMS KATHERINE L
General Counsel
$13.80M
@ $226.20 · 2024-10-02
COOK TIMOTHY D
Chief Executive Officer
$50.28M
@ $224.46 · 2024-10-02
O'BRIEN DEIRDRE
Officer
$13.84M
@ $226.87 · 2024-10-02
KONDO CHRISTOPHER
Officer
$1.96M
@ $225.00 · 2024-08-15
KONDO CHRISTOPHER
Officer
$1.12M
@ $216.50 · 2024-08-09
ADAMS KATHERINE L
General Counsel
$20.64M
@ $206.44 · 2024-08-05
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
HBAN
1
Sells (3M)
10
Sells (12M)
Total value (12M): $3.50M
KLEINMAN SCOTT D
Officer
$314,685
@ $16.20 · 2026-06-01
KLEINMAN SCOTT D
Officer
$1.00M
@ $15.28 · 2026-03-12
NATERI PRASHANT
Chief Operating Officer
$157,648
@ $15.50 · 2026-03-12
LAWLOR BRENDAN A
Officer
$330,426
@ $18.93 · 2026-02-10
STANDRIDGE BRANTLEY J
Officer
$111,557
@ $19.13 · 2026-02-04
DHINGRA AMIT
Officer
$185,000
@ $18.50 · 2026-01-08
KOWALSKI KENDALL A
Chief Technology Officer
$71,920
@ $17.86 · 2025-12-12
HINGST MARCY C
General Counsel
$230,976
@ $18.00 · 2025-12-11
HOUSTON HELGA S
Officer
$993,348
@ $15.38 · 2025-11-21
HINGST MARCY C
General Counsel
$100,410
@ $15.65 · 2025-11-14
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.

🎭 Mr. Market's Mood

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AAPL
FearGreed
😐Neutral(60/100)

"Market is pricing this stock without strong emotion in either direction"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
HBAN
FearGreed
😐Neutral(53/100)

"Market is pricing this stock without strong emotion in either direction"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

⚖️ Buffett Signal

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AAPL
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Neutral (60)
HBAN
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Neutral (53)
View AAPL Full AnalysisView HBAN Full Analysis

Frequently Asked Questions: AAPL vs HBAN

Is Apple Inc. or Huntington Bancshares Incorporated more undervalued in 2026?▼

Based on our discounted cash flow model, HBAN trades at a 66.4% margin of safety (intrinsic value $50 vs. price $17), compared to AAPL's -63.8% margin of safety (intrinsic $182 vs. $298).

Which stock has a wider economic moat, Apple Inc. or Huntington Bancshares Incorporated?▼

AAPL scores 96/100 (Wide moat), while HBAN scores 89/100 (Wide moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is Huntington Bancshares Incorporated in financial distress?▼

HBAN's Altman Z-Score of 0.2 places it in the Distress zone, signaling elevated bankruptcy risk. AAPL scores 10.7 (Safe zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.

Which stock has higher return on invested capital, Apple Inc. or Huntington Bancshares Incorporated?▼

AAPL earns 60.2% ROIC versus HBAN's 11.2%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.

Which dividend is safer, Apple Inc.'s or Huntington Bancshares Incorporated's?▼

AAPL's dividend earns a safety score of 94/100 (Very Safe), compared to HBAN's 85/100 (Very Safe). AAPL has raised its dividend for 3 consecutive years.