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

As of 2026-11-01, HBAN is undervalued at $16, with a DCF intrinsic value of $36 and a margin of safety of 56%. PFE is overvalued at $31, with an intrinsic value of $22 and a margin of safety of -36%. Of the two, HBAN has the wider margin of safety.

HBAN
Huntington Bancshares Incorporated
$15.78
VS
PFE
Pfizer Inc.
$30.52

Rewards

HBAN
  • ★Huntington Bancshares Incorporated scores 89/100 on the Economic Moat Score (Wide Moat), with reinvestment efficiency as the strongest competitive dimension.
PFE
  • ★Gross margin of 74.7% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Insiders have bought $3.0M worth of stock in the past 3 months — significant skin in the game.

Risks

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.
  • ⚠Altman Z-Score of 0.16 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
PFE
  • ⚠ROIC has declined by 15.9 percentage points over the past 4 years, which may signal competitive erosion.
  • ⚠FCF yield of 7.2% suggests reasonable valuation assuming continued moderate growth.
  • ⚠Trailing P/E of 40.2x is 32% above the historical average of 30.4x — the stock trades at a premium to its own history.

Key Valuation Metrics

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HBAN
PFE
Valuation
N/A
Free Cash Flow
$12.49B
N/A
FCF Yield
7.18%
12.93
Trailing P/E
40.16
9.03
Forward P/E
10.57
Quality & Moat
12.50%
ROIC
9.42%
9.19%
ROE
5.01%
0.00%
Gross Margin
74.72%
1.89
PEG Ratio
13.98
Balance Sheet Safety
N/A
Net Debt / Equity
0.61
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
2.04
3.93%
Dividend Yield
5.64%
HBAN: 5Ties: 1PFE: 2
HBANPFE

Historical Fundamentals

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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.

PFE

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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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
PFE
N/A
Net losses over 3 years — test not applicable
Company had negative cumulative retained earnings
Σ Retained
$-10.61B
Δ Market Cap
$-146.18B
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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HBAN
56.2% Margin of Safety
Price is 56.2% below estimated fair value
Current Price: $15.78
Fair Value: $36.01
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
PFE
36.1% Overvalued
Price is 36.1% above estimated fair value
Current Price: $30.52
Fair Value: $22.43
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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HBAN

Requires positive FCF to compute implied growth rate.

PFE

What growth rate is the market pricing in at $31?

+7.2%
Market-Implied Owner Earnings Growth
Standard FCF implies +6.3%

The market implies +7.2% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +6.3%, reflecting heavy growth investment.

Economic Moat Score

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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.
PFE
35/100
No Moat
70+ Wide · 40-69 Narrow · <40 None

No durable moat detected, though reinvestment efficiency shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.

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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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.
PFE
-2.53
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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HBAN
Insiders 0.8%Institutions 90.2%Retail & Other 9.0%
No. of Institutional Holders1,544
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.
PFE
Insiders 0.1%Institutions 69.1%Retail & Other 30.8%
No. of Institutional Holders3,681
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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HBAN
1
Buys (3M)
3
Buys (12M)
Total value (12M): $952,707
TORGOW GARY
Director
$199,834
@ $15.73 · 2026-10-27
STEINOUR STEPHEN D
Chief Executive Officer
$499,971
@ $15.49 · 2026-03-12
TORGOW GARY
Director
$252,902
@ $17.81 · 2026-02-19
Open market purchases · includes direct & indirect ownership · excludes option exercises
PFE
3
Buys (3M)
3
Buys (12M)
Total value (12M): $2.96M
BOURLA ALBERT
Chief Executive Officer
$1.00M
@ $26.34 · 2026-08-12
BUCKLEY MORTIMER J.
Director
$960,369
@ $25.52 · 2026-08-05
BLAYLOCK RONALD E
Director
$998,821
@ $25.46 · 2026-08-05
BLAYLOCK RONALD E
Director
$499,072
@ $25.65 · 2025-02-13
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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HBAN
0
Sells (3M)
8
Sells (12M)
Total value (12M): $6.47M
KOWALSKI KENDALL A
Chief Technology Officer
$481,102
@ $17.20 · 2026-08-03
HINGST MARCY C
General Counsel
$190,224
@ $18.00 · 2026-06-25
ROLLINS JAMES D III
Director
$3.88M
@ $17.35 · 2026-06-12
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
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
PFE
1
Sells (3M)
2
Sells (12M)
Total value (12M): $134,661
DAMICO JENNIFER B.
Officer
$83,261
@ $25.40 · 2026-08-05
DAMICO JENNIFER B.
Officer
$51,400
@ $25.70 · 2026-06-09
DAMICO JENNIFER B.
Officer
$64,825
@ $25.93 · 2025-03-04
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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HBAN
FearGreed
😐Neutral(50/100)

"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.
PFE
FearGreed
😏Greed(73/100)

"Market is optimistic — be cautious and ensure you have a margin of safety"

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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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 (50)
PFE
⚪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: Greed (73)
View HBAN Full AnalysisView PFE Full Analysis

Frequently Asked Questions: HBAN vs PFE

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

Based on our discounted cash flow model, HBAN trades at a 56.2% margin of safety (intrinsic value $36 vs. price $16), compared to PFE's -36.1% margin of safety (intrinsic $22 vs. $31).

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

HBAN scores 89/100 (Wide moat), while PFE scores 35/100 (None 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. PFE scores 2.1 (Grey 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, Huntington Bancshares Incorporated or Pfizer Inc.?▼

HBAN earns 12.5% ROIC versus PFE's 9.4%. 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, Huntington Bancshares Incorporated's or Pfizer Inc.'s?▼

HBAN's dividend earns a safety score of 85/100 (Very Safe), compared to PFE's 24/100 (Unsafe). HBAN has raised its dividend for 0 consecutive years.

HBAN vs PFE: Which Is the Better Buy in 2026? | SafetyMargin.io