(HBAN) Huntington Bancshares - Overview
Stock: Deposits, Lending, Mortgages, Treasury Management, Wealth Management
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.81% |
| Yield on Cost 5y | 6.92% |
| Yield CAGR 5y | 0.61% |
| Payout Consistency | 92.5% |
| Payout Ratio | 44.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 29.0% |
| Relative Tail Risk | -7.65% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.54 |
| Alpha | -0.17 |
| Character TTM | |
|---|---|
| Beta | 1.113 |
| Beta Downside | 1.376 |
| Drawdowns 3y | |
|---|---|
| Max DD | 39.05% |
| CAGR/Max DD | 0.32 |
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: 2.21b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.82 > 1.0 |
| NWC/Revenue: -1065 % < 20% (prev -1152 %; Δ 87.26% < -1%) |
| CFO/TA 0.01 > 3% & CFO 3.04b > Net Income 2.21b |
| Net Debt (18.48b) to EBITDA (3.08b): 5.99 < 3 |
| Current Ratio: 0.10 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.57b) vs 12m ago 6.34% < -2% |
| Gross Margin: 61.70% > 18% (prev 0.58%; Δ 6112 % > 0.5%) |
| Asset Turnover: 5.82% > 50% (prev 5.86%; Δ -0.04% > 0%) |
| Interest Coverage Ratio: 0.48 > 6 (EBITDA TTM 3.08b / Interest Expense TTM 4.32b) |
Altman Z'' -3.69
| A: -0.59 (Total Current Assets 14.15b - Total Current Liabilities 147.10b) / Total Assets 225.11b |
| B: 0.03 (Retained Earnings 6.35b / Total Assets 225.11b) |
| C: 0.01 (EBIT TTM 2.06b / Avg Total Assets 214.67b) |
| D: 0.02 (Book Value of Equity 4.46b / Total Liabilities 200.73b) |
| Altman-Z'' Score: -3.69 = D |
What is the price of HBAN shares?
Over the past week, the price has changed by +11.49%, over one month by +6.38%, over three months by +25.65% and over the past year by +17.12%.
Is HBAN a buy, sell or hold?
- StrongBuy: 12
- Buy: 3
- Hold: 5
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the HBAN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 20.5 | 7.7% |
| Analysts Target Price | 20.5 | 7.7% |
| ValueRay Target Price | 20.3 | 6.9% |
HBAN Fundamental Data Overview February 02, 2026
P/E Forward = 10.6496
P/S = 3.5736
P/B = 1.3126
P/EG = 1.9364
Revenue TTM = 12.48b USD
EBIT TTM = 2.06b USD
EBITDA TTM = 3.08b USD
Long Term Debt = 17.32b USD (from longTermDebt, two quarters ago)
Short Term Debt = 1.26b USD (from shortTermDebt, last quarter)
Debt = 18.48b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 18.48b USD (from netDebt column, last quarter)
Enterprise Value = 46.01b USD (27.53b + Debt 18.48b - (null CCE))
Interest Coverage Ratio = 0.48 (Ebit TTM 2.06b / Interest Expense TTM 4.32b)
EV/FCF = 15.28x (Enterprise Value 46.01b / FCF TTM 3.01b)
FCF Yield = 6.54% (FCF TTM 3.01b / Enterprise Value 46.01b)
FCF Margin = 24.12% (FCF TTM 3.01b / Revenue TTM 12.48b)
Net Margin = 17.71% (Net Income TTM 2.21b / Revenue TTM 12.48b)
Gross Margin = 61.70% ((Revenue TTM 12.48b - Cost of Revenue TTM 4.78b) / Revenue TTM)
Gross Margin QoQ = 63.17% (prev 62.33%)
Tobins Q-Ratio = 0.20 (Enterprise Value 46.01b / Total Assets 225.11b)
Interest Expense / Debt = 5.81% (Interest Expense 1.07b / Debt 18.48b)
Taxrate = 17.12% (108.0m / 631.0m)
NOPAT = 1.70b (EBIT 2.06b * (1 - 17.12%))
Current Ratio = 0.10 (Total Current Assets 14.15b / Total Current Liabilities 147.10b)
Debt / Equity = 0.76 (Debt 18.48b / totalStockholderEquity, last quarter 24.34b)
Debt / EBITDA = 5.99 (Net Debt 18.48b / EBITDA 3.08b)
Debt / FCF = 6.14 (Net Debt 18.48b / FCF TTM 3.01b)
Total Stockholder Equity = 21.99b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.03% (Net Income 2.21b / Total Assets 225.11b)
RoE = 10.06% (Net Income TTM 2.21b / Total Stockholder Equity 21.99b)
RoCE = 5.23% (EBIT 2.06b / Capital Employed (Equity 21.99b + L.T.Debt 17.32b))
RoIC = 4.61% (NOPAT 1.70b / Invested Capital 36.95b)
WACC = 7.95% (E(27.53b)/V(46.01b) * Re(10.05%) + D(18.48b)/V(46.01b) * Rd(5.81%) * (1-Tc(0.17)))
Discount Rate = 10.05% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.38%
[DCF Debug] Terminal Value 77.04% ; FCFF base≈2.23b ; Y1≈2.05b ; Y5≈1.84b
Fair Price DCF = 9.46 (EV 33.31b - Net Debt 18.48b = Equity 14.83b / Shares 1.57b; r=7.95% [WACC]; 5y FCF grow -9.89% → 2.90% )
EPS Correlation: -9.13 | EPS CAGR: 0.91% | SUE: -1.14 | # QB: 0
Revenue Correlation: 89.49 | Revenue CAGR: 18.95% | SUE: 3.08 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.21 | Chg30d=+0.022 | Revisions Net=-2 | Analysts=14
EPS current Year (2026-12-31): EPS=1.48 | Chg30d=-0.069 | Revisions Net=-4 | Growth EPS=+6.4% | Growth Revenue=+39.6%
EPS next Year (2027-12-31): EPS=1.92 | Chg30d=-0.027 | Revisions Net=-5 | Growth EPS=+29.8% | Growth Revenue=+8.7%