Huntington Bancshares Incorporated
HBAN · Price history
Price at last available close
$15.70
+$0.43 (+2.82%) 1M
2026-10-28
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Company & revenue
About Huntington Bancshares Incorporated
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Huntington Bancshares Incorporated, established in Columbus, Ohio, in 1866, operates as the bank holding company for The Huntington National Bank, providing a comprehensive suite of commercial, consumer, and mortgage banking services across the United States. Its operations are organized into four key segments. The Consumer and Business Banking segment offers essential financial products to individuals and small businesses, including checking, savings, money market, and certificate of deposit accounts, along with credit cards, various loans, and investment opportunities.
How they make money
Huntington Bancshares Incorporated operates as a diversified financial holding company that generates revenue primarily through net interest income earned on loans and leases, and non-interest income from service charges, trust services, insurance, and mortgage banking. The company delivers a comprehensive suite of banking products and services through its subsidiary, The Huntington National Bank, emphasizing local delivery and customer service.
Products & services
The company provides commercial, consumer, and mortgage banking services, including deposit accounts, lending products, wealth management, trust services, insurance, and investment advisory services.
Brands & revenue mix
The primary brand under which the company provides its banking and financial services.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
The company does not disclose any single customer that accounts for a significant portion of its total revenue as of the fiscal period ended December 31, 2025.
Suppliers, materials & equipment
- Technology and Information Services Providers — The company relies on various third-party vendors for core banking software, data processing, and information technology infrastructure services.Source
Strengths
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Diluted weighted-average shares increased 33.4% year over year.
Compare per-share results with total earnings and inspect the equity footnote. A change in weighted-average shares does not by itself establish the cause, the number of shares issued today, or the economic effect of a split.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
55
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
50
Fair
Financial Strength
35
Business Quality / Moat
56
Management
47
Growth Quality
62
Risk / Durability
65
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
74
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
71/100
Building Historical Record
Model Score 71/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Asset quality scores strongly
- •Valuation scores attractively
- •Elevated debt risk
- •Repurchase headline · Sep 21, 2026
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for HBAN
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can HBAN maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is HBAN's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is HBAN's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is HBAN's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of HBAN's score?
Essential Investment Snapshot
Wall Street Score
55
Opportunity Score
74
Market Cap
$31.72B
P/E Ratio
11.2
EPS
$1.36
52-Week High
$19.46
52-Week Low
$14.89
Beta
0.94
Intrinsic Value
$52.36
Analyst Target
$20.50
Shares Outstanding
1.50B
Total Revenue
$14.41B
Total Debt
$21.85B
Dividend Yield (TTM)
3.95%
Liquidation Value / Share
$21.70
Dividend / Share (TTM)
$0.62
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for HBAN
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Cash covers less than 20% of total debt
Repurchase headline · Sep 21, 2026
Huntington Rewards Shareholders With Higher 2027 Buyback Plan — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Zacks Investment ResearchCommunity Sentiment
0 active · 0 total callsNo personal call yet on HBAN.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Strong regional market presence and local delivery model.
- +Diversified revenue streams across commercial and consumer segments.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Cash covers less than 20% of total debt.
- −Interest rate fluctuations affecting net interest margin.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
4 historical score records availablePrevious Score
55
Sep 28, 2026
Change
Unchanged
Current Score
55
Oct 1, 2026
Category Changes
HBAN score was unchanged.
Projected Score
Projected Score
57
Projected Change
+2.4 points
Preliminary comparable-period financial changes suggest improvement of approximately 2.4 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $1.36 · Growth assumption: 7.6% · Earnings multiplier: 23.7×.
Current Price
$15.70
Model Intrinsic Value
$52.36
Difference
−$36.66
-70.0% vs IV
Margin of Safety
70.0%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $14.41B | $12.48B | $11.96B | $10.78B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $5.23B | $4.78B | $5.00B | $3.88B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $9.18B | $7.70B | $6.96B | $6.90B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $3.71B | $3.50B | $2.93B | $2.95B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $6.25B | $5.01B | $4.56B | $4.52B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $3.49B | $3.45B | $3.02B | $3.18B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $2.93B | $2.69B | $2.40B | $2.38B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $4.69B | $4.32B | $4.58B | $3.48B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $2.93B | $2.69B | $2.40B | $2.38B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $520.0M | $459.0M | $443.0M | $413.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $2.40B | $2.21B | $1.94B | $1.95B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $1.36 | $1.41 | $1.24 | $1.26 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 1.95B | 1.48B | 1.45B | 1.45B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 1.98B | 1.50B | 1.48B | 1.47B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$4.17B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.38
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+21.1%
Cash Change
-69.6%
Margin Change
-0.3 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Weakened
- Margins contracted
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, EPS growth. Pressure indicators included cash levels, debt levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 37.7%. EPS increased 11.8%. Cash declined 69.6%. Total debt increased 21.1%. Net income margin declined by 0.3 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
41
Smart Money
41
Number of Gurus
1
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
4 historical recordsHistorical Score Chart
3 of 4 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalNews
Huntington Bancshares Inc (HBAN) (Q3 2026) Earnings Call Highlights: Strong Fee Growth and 2027 EPS Outlook Above 20%
Here's What Key Metrics Tell Us About Huntington Bancshares (HBAN) Q3 Earnings
Huntington Bancshares (HBAN) Meets Q3 Earnings Estimates
Huntington Q3 Earnings on Deck: Here's What Investors Should Expect
Rumor Mill · HBAN
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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