(HBAN) Huntington Bancshares - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 32.272m USD | Total Return: 4.9% in 12m
Avg Turnover: 280M
EPS Trend: 7.0%
Qual. Beats: 1
Rev. Trend: 96.5%
Qual. Beats: 0
Warnings
Share dilution 28.3% YoY
Choppy Below Avwap Earnings
Tailwinds
No distinct edge detected
Huntington Bancshares Incorporated (HBAN) is a regional bank holding company headquartered in Columbus, Ohio. Founded in 1866, the institution operates primarily through The Huntington National Bank, providing a diverse suite of commercial, consumer, and mortgage banking services across the Midwest and various specialty markets. Its operations encompass traditional deposit and lending products alongside wealth management, insurance, and capital markets advisory.
The company utilizes a business model focused on fair play banking, characterized by digital tools designed to automate savings and mitigate consumer fees. As a member of the regional banking sector, Huntington relies heavily on net interest margin (NIM)-the spread between interest earned on loans and interest paid on deposits-while diversifying revenue through fee-based services like equipment financing and treasury management. Investors can examine ValueRay to further analyze the companys valuation metrics and historical performance. The firm maintains a multi-channel distribution strategy, integrating physical branch networks and ATMs with mobile platforms to serve middle-market, corporate, and retail clients.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Regional economic health in the Midwest impacts loan demand and credit quality
- Expansion of fee-based wealth management and payment services diversifies revenue
- Commercial real estate exposure levels influence risk-weighted capital and provisioning
- Strategic focus on consumer deposit growth stabilizes low-cost funding base
| Net Income: 2.21b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.32 > 1.0 |
| NWC/Revenue: -824.8% < 20% (prev -1.15k%; Δ 330.0% < -1%) |
| CFO/TA 0.01 > 3% & CFO 2.39b > Net Income 2.21b |
| Net Debt (-14.2b) to EBITDA (3.42b): -4.15 < 3 |
| Current Ratio: 0.26 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.90b) vs 12m ago 28.28% < -2% |
| Gross Margin: 62.65% > 18% (prev 0.59%; Δ 6.21k% > 0.5%) |
| Asset Turnover: 5.36% > 50% (prev 5.77%; Δ -0.41% > 0%) |
| Interest Coverage Ratio: 0.60 > 6 (EBITDA TTM 3.42b / Interest Expense TTM 4.45b) |
| A: -0.38 (Total Current Assets 37.7b - Total Current Liabilities 147b) / Total Assets 285b |
| B: 0.02 (Retained Earnings 6.51b / Total Assets 285b) |
| C: 0.01 (EBIT TTM 2.68b / Avg Total Assets 247b) |
| D: 0.02 (Book Value of Equity 4.48b / Total Liabilities 253b) |
| Altman-Z'' = -2.35 = D |
As of May 25, 2026, the stock is trading at USD 15.92 with a total of 13,795,324 shares traded.
Over the past week, the price has changed by +3.31%,
over one month by -2.93%,
over three months by -5.51% and
over the past year by +4.90%.
Huntington Bancshares has received a consensus analysts rating of 4.24. Therefore, it is recommended to buy HBAN.
- StrongBuy: 12
- Buy: 3
- Hold: 5
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 19.8 | 24.6% |
P/E Trailing = 12.2462
P/E Forward = 9.8135
P/S = 3.8891
P/B = 1.0873
P/EG = 1.7224
Revenue TTM = 13.3b USD
EBIT TTM = 2.68b USD
EBITDA TTM = 3.42b USD
Long Term Debt = 21.6b USD (from longTermDebt, last quarter)
Short Term Debt = 1.88b USD (from shortTermDebt, last quarter)
Debt = 23.5b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -14.2b USD (calculated: Debt 23.5b - CCE 37.7b)
Enterprise Value = 18.1b USD (32.3b + Debt 23.5b - CCE 37.7b)
Interest Coverage Ratio = 0.60 (Ebit TTM 2.68b / Interest Expense TTM 4.45b)
EV/FCF = 6.70x (Enterprise Value 18.1b / FCF TTM 2.70b)
FCF Yield = 14.92% (FCF TTM 2.70b / Enterprise Value 18.1b)
FCF Margin = 20.33% (FCF TTM 2.70b / Revenue TTM 13.3b)
Net Margin = 16.63% (Net Income TTM 2.21b / Revenue TTM 13.3b)
Gross Margin = 62.65% ((Revenue TTM 13.3b - Cost of Revenue TTM 4.96b) / Revenue TTM)
Gross Margin QoQ = 64.09% (prev 63.17%)
Tobins Q-Ratio = 0.06 (Enterprise Value 18.1b / Total Assets 285b)
Interest Expense / Debt = 18.97% (Interest Expense 4.45b / Debt 23.5b)
Taxrate = 17.78% (114.0m / 641.0m)
NOPAT = 2.20b (EBIT 2.68b * (1 - 17.78%))
Current Ratio = 0.13 (Total Current Assets 37.7b / Total Current Liabilities 296b)
Debt / Equity = 0.72 (Debt 23.5b / totalStockholderEquity, last quarter 32.5b)
Debt / EBITDA = -4.15 (Net Debt -14.2b / EBITDA 3.42b)
Debt / FCF = -5.26 (Net Debt -14.2b / FCF TTM 2.70b)
Total Stockholder Equity = 25.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.89% (Net Income 2.21b / Total Assets 285b)
RoE = 8.82% (Net Income TTM 2.21b / Total Stockholder Equity 25.0b)
RoCE = 5.74% (EBIT 2.68b / Capital Employed (Equity 25.0b + L.T.Debt 21.6b))
RoIC = 0.77% (NOPAT 2.20b / Invested Capital 285b)
WACC = 11.97% (E(32.3b)/V(55.7b) * Re(9.34%) + D(23.5b)/V(55.7b) * Rd(18.97%) * (1-Tc(0.18)))
Discount Rate = 9.34% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 91.11 | Cagr: 12.14%
[DCF] Terminal Value 64.16% ; FCFF base≈2.68b ; Y1≈2.73b ; Y5≈2.98b
[DCF] Fair Price = 21.08 (EV 28.6b - Net Debt -14.2b = Equity 42.7b / Shares 2.03b; r=11.97% [WACC]; 5y FCF grow 1.81% → 2.50% )
EPS Correlation: 7.05 | EPS CAGR: 0.78% | SUE: 1.33 | # QB: 1
Revenue Correlation: 96.49 | Revenue CAGR: 9.66% | SUE: 0.78 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.36 | Chg30d=-6.17% | Revisions=-43% | Analysts=14
EPS next Quarter (2026-09-30): EPS=0.39 | Chg30d=-5.31% | Revisions=-43% | Analysts=14
EPS current Year (2026-12-31): EPS=1.45 | Chg30d=+0.11% | Revisions=-5% | GrowthEPS=+4.1% | GrowthRev=+38.1%
EPS next Year (2027-12-31): EPS=1.89 | Chg30d=-0.64% | Revisions=-54% | GrowthEPS=+30.6% | GrowthRev=+8.4%
[Analyst] Revisions Ratio: -54%