Overview Dividends

(HBAN) Huntington Bancshares - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US4461501045

Deposits, Lending, Mortgages, Treasury Management, Wealth Management

Regional Banks
Market Cap in USD: 27,937m

IPO / Inception: 1990-03-26
Return 12m vs S&P 500: -5.95%

EPS (Earnings per Share)

EPS CAGR: 12.91%
EPS Trend: 7.4%

Last SUE: 1.74
Qual. Beats: 1

Revenue

Rev. CAGR: 18.70%
Rev. Trend: 91.4%

Last SUE: 0.85
Qual. Beats: 1

Dividends

Dividend Yield	3.55%
Yield on Cost 5y	6.16%
Yield CAGR 5y	0.82%
Payout Consistency	89.6%
Payout Ratio	43.7%

Risk via 5d forecast
Volatility	26.2%
Value at Risk 5%th	39.9%
Relative Tail Risk	-7.51%

Reward TTM
Sharpe Ratio	0.35
Alpha	-7.19
CAGR/Max DD	0.30

Character TTM
Hurst Exponent	0.433
Beta	1.128
Beta Downside	1.397

Drawdowns 3y
Max DD	39.56%
Mean DD	13.02%
Median DD	10.29%

Description: HBAN Huntington Bancshares December 17, 2025

Huntington Bancshares (NASDAQ:HBAN) is the holding company for The Huntington National Bank, delivering a full suite of commercial, consumer, and mortgage banking services across the United States through branches, ATMs, digital channels, and call centers.

The firm’s product lineup spans deposits, consumer and business loans, payments, dealer financing, wealth-management services (including trust, brokerage, and investment management), and specialized financing such as equipment, asset-based, and municipal lending.

Key recent metrics (Q3 2024): net interest margin held at 3.45 % (up 12 bps YoY), loan portfolio grew 5.2 % driven by commercial real-estate and equipment finance, while deposits rose 4.8 % as customers shifted toward higher-yield savings accounts.

Sector drivers that materially affect HBAN include the Federal Reserve’s policy stance-higher rates boost net interest income but can suppress loan demand-and regional economic health, particularly in the Midwest where the bank’s footprint is concentrated.

As of the latest filing, HBAN’s Common Equity Tier 1 (CET1) ratio stands at 13.1 %, comfortably above the regulatory minimum and providing a buffer for potential credit-loss volatility.

For a deeper quantitative breakdown, the ValueRay platform provides a granular view of HBAN’s valuation metrics and scenario analyses.

Piotroski VR‑10 (Strict, 0-10) 2.0

Net Income (2.22b TTM) > 0 and > 6% of Revenue (6% = 738.4m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA 0.91pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 126.9% (prev -1153 %; Δ 1280 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 3.04b > Net Income 2.22b (YES >=105%, WARN >=100%)

Net Debt (15.87b) to EBITDA (3.25b) ratio: 4.88 <= 3.0 (WARN <= 3.5)

Current Ratio 62.99 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (1.49b) change vs 12m ago 0.54% (target <= -2.0% for YES)

Gross Margin 60.93% (prev 57.64%; Δ 3.30pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.99% (prev 5.81%; Δ 0.18pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.63 (EBITDA TTM 3.25b / Interest Expense TTM 4.36b) >= 6 (WARN >= 3)

Altman Z'' 0.69

(A) 0.07 = (Total Current Assets 15.87b - Total Current Liabilities 252.0m) / Total Assets 210.23b

(B) 0.03 = Retained Earnings (Balance) 6.12b / Total Assets 210.23b

(D) 0.02 = Book Value of Equity 4.07b / Total Liabilities 187.94b

Total Rating: 0.69 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 63.07

1. Piotroski 2.0pt

2. FCF Yield 9.33%

3. FCF Margin 24.47%

4. Debt/Equity 0.79

5. Debt/Ebitda 4.88

6. ROIC - WACC (= -2.02)%

7. RoE 10.66%

8. Rev. Trend 91.40%

9. EPS Trend 7.36%

What is the price of HBAN shares?

As of January 01, 2026, the stock is trading at USD 17.47 with a total of 9,632,384 shares traded.
Over the past week, the price has changed by -1.47%, over one month by +6.55%, over three months by +1.58% and over the past year by +11.13%.

Is HBAN a buy, sell or hold?

Huntington Bancshares has received a consensus analysts rating of 4.24. Therefore, it is recommended to buy HBAN.

Strong Buy: 12
Buy: 3
Hold: 5
Sell: 1
Strong Sell: 0

What are the forecasts/targets for the HBAN price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	20	14.5%
Analysts Target Price	20	14.5%
ValueRay Target Price	19.1	9.3%

HBAN Fundamental Data Overview December 26, 2025

Market Cap USD = 27.94b (27.94b USD * 1.0 USD.USD)
P/E Trailing = 12.4056
P/E Forward = 10.4275
P/S = 3.7239
P/B = 1.4306
P/EG = 1.8624
Beta = 0.976
Revenue TTM = 12.31b USD
EBIT TTM = 2.73b USD
EBITDA TTM = 3.25b USD
Long Term Debt = 17.32b USD (from longTermDebt, last quarter)
Short Term Debt = 252.0m USD (from shortTermDebt, last quarter)
Debt = 17.57b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 15.87b USD (from netDebt column, last quarter)
Enterprise Value = 32.27b USD (27.94b + Debt 17.57b - CCE 13.23b)
Interest Coverage Ratio = 0.63 (Ebit TTM 2.73b / Interest Expense TTM 4.36b)
FCF Yield = 9.33% (FCF TTM 3.01b / Enterprise Value 32.27b)
FCF Margin = 24.47% (FCF TTM 3.01b / Revenue TTM 12.31b)
Net Margin = 18.05% (Net Income TTM 2.22b / Revenue TTM 12.31b)
Gross Margin = 60.93% ((Revenue TTM 12.31b - Cost of Revenue TTM 4.81b) / Revenue TTM)
Gross Margin QoQ = 62.33% (prev 60.62%)
Tobins Q-Ratio = 0.15 (Enterprise Value 32.27b / Total Assets 210.23b)
Interest Expense / Debt = 6.23% (Interest Expense 1.09b / Debt 17.57b)
Taxrate = 17.36% (133.0m / 766.0m)
NOPAT = 2.25b (EBIT 2.73b * (1 - 17.36%))
Current Ratio = 62.99 (Total Current Assets 15.87b / Total Current Liabilities 252.0m)
Debt / Equity = 0.79 (Debt 17.57b / totalStockholderEquity, last quarter 22.25b)
Debt / EBITDA = 4.88 (Net Debt 15.87b / EBITDA 3.25b)
Debt / FCF = 5.27 (Net Debt 15.87b / FCF TTM 3.01b)
Total Stockholder Equity = 20.84b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.06% (Net Income 2.22b / Total Assets 210.23b)
RoE = 10.66% (Net Income TTM 2.22b / Total Stockholder Equity 20.84b)
RoCE = 7.15% (EBIT 2.73b / Capital Employed (Equity 20.84b + L.T.Debt 17.32b))
RoIC = 6.21% (NOPAT 2.25b / Invested Capital 36.26b)
WACC = 8.23% (E(27.94b)/V(45.50b) * Re(10.17%) + D(17.57b)/V(45.50b) * Rd(6.23%) * (1-Tc(0.17)))
Discount Rate = 10.17% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.54%
[DCF Debug] Terminal Value 69.34% ; FCFE base≈2.23b ; Y1≈2.05b ; Y5≈1.85b
Fair Price DCF = 14.99 (DCF Value 23.60b / Shares Outstanding 1.57b; 5y FCF grow -9.89% → 3.0% )
EPS Correlation: 7.36 | EPS CAGR: 12.91% | SUE: 1.74 | # QB: 1
Revenue Correlation: 91.40 | Revenue CAGR: 18.70% | SUE: 0.85 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.19 | Chg30d=-0.024 | Revisions Net=-2 | Analysts=10
EPS next Year (2026-12-31): EPS=1.55 | Chg30d=+0.002 | Revisions Net=+1 | Growth EPS=+8.9% | Growth Revenue=+36.4%

Additional Sources for HBAN Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle