(HBAN) Huntington Bancshares - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 30.598m USD | Total Return: 21.8% in 12m

Stock Banking, Lending, Investments, Insurance, Payments
Total Rating 32
Safety 66
Buy Signal 0.13
Banks - Regional +1.6
Regional Banks +2.1
Market Cap: 30,598m
Avg Trading Vol: 413M USD
ATR: 2.96%
Peers RS (IBD): 7.7
Risk 5d forecast
Volatility27.9%
Rel. Tail Risk-8.00%
Reward TTM
Sharpe Ratio0.28
Alpha-8.65
Character TTM
Beta1.011
Beta Downside1.751
Drawdowns 3y
Max DD30.01%
CAGR/Max DD0.59
EPS (Earnings per Share) EPS (Earnings per Share) of HBAN over the last years for every Quarter: "2021-03": 0.48, "2021-06": -0.05, "2021-09": 0.22, "2021-12": 0.36, "2022-03": 0.32, "2022-06": 0.36, "2022-09": 0.39, "2022-12": 0.43, "2023-03": 0.38, "2023-06": 0.35, "2023-09": 0.36, "2023-12": 0.27, "2024-03": 0.28, "2024-06": 0.3, "2024-09": 0.33, "2024-12": 0.33, "2025-03": 0.34, "2025-06": 0.35, "2025-09": 0.4, "2025-12": 0.37,
EPS CAGR: 3.95%
EPS Trend: -8.6%
Last SUE: -0.74
Qual. Beats: 0
Revenue Revenue of HBAN over the last years for every Quarter: 2021-03: 1264, 2021-06: 1379, 2021-09: 1740, 2021-12: 1697, 2022-03: 1694, 2022-06: 1816, 2022-09: 2087, 2022-12: 2353, 2023-03: 2540, 2023-06: 2720, 2023-09: 2822, 2023-12: 2755, 2024-03: 2847, 2024-06: 2967, 2024-09: 3078, 2024-12: 3069, 2025-03: 2983, 2025-06: 3027, 2025-09: 3228, 2025-12: 3247,
Rev. CAGR: 18.95%
Rev. Trend: 89.5%
Last SUE: 3.08
Qual. Beats: 2
Description: HBAN Huntington Bancshares

Huntington Bancshares Incorporated is a bank holding company. It provides commercial, consumer, and mortgage banking services through its subsidiary, The Huntington National Bank. Regional banks typically focus on a specific geographic area.

The company offers a range of financial products. These include deposits, various lending options, payment solutions, and investment management. Its business model encompasses both direct and indirect consumer loans, as well as specialized services like dealer finance and private banking.

HBAN also provides digitally-powered financial solutions. These cater to consumer finance, regional banking, branch banking, and wealth management clients. The banking sector increasingly emphasizes digital offerings.

Additional services include equipment financing, asset-based lending, and municipal financing. It also provides corporate risk management and capital markets services. For further research, ValueRay can provide detailed financial data and historical trends.

Products are delivered via branches, ATMs, online and mobile banking, and call centers. This multi-channel approach serves various customer segments, including middle market and corporate banking clients.

Headlines to Watch Out For
  • Net interest income growth hinges on Federal Reserve rate policy
  • Loan demand dictates revenue across consumer and commercial segments
  • Regulatory compliance costs impact profitability and operational efficiency
  • Economic downturns reduce loan originations and increase credit losses
Piotroski VR‑10 (Strict) 2.0
Net Income: 2.21b TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.19 > 1.0
NWC/Revenue: -954.6% < 20% (prev -1.15k%; Δ 197.5% < -1%)
CFO/TA 0.01 > 3% & CFO 2.38b > Net Income 2.21b
Net Debt (16.70b) to EBITDA (3.08b): 5.41 < 3
Current Ratio: 0.19 > 1.5 & < 3
Outstanding Shares: last quarter (1.57b) vs 12m ago 6.34% < -2%
Gross Margin: 61.70% > 18% (prev 0.58%; Δ 6.11k% > 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'' -3.29
A: -0.53 (Total Current Assets 27.91b - 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: -3.29 = D
Beneish M
DSRI: none (Receivables none/7.58b, Revenue 12.48b/11.96b)
GMI: 0.94 (GM 61.70% / 58.23%)
AQI: 1.00 (AQ_t 0.87 / AQ_t-1 0.87)
SGI: 1.04 (Revenue 12.48b / 11.96b)
TATA: -0.00 (NI 2.21b - CFO 2.38b) / TA 225.11b)
Beneish M-Score: cannot calculate (missing components)
What is the price of HBAN shares? As of April 04, 2026, the stock is trading at USD 15.65 with a total of 30,694,508 shares traded.
Over the past week, the price has changed by +4.71%, over one month by -4.77%, over three months by -10.79% and over the past year by +21.82%.
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.
  • StrongBuy: 12
  • Buy: 3
  • Hold: 5
  • Sell: 1
  • StrongSell: 0
What are the forecasts/targets for the HBAN price?
Wallstreet Target Price 20.5 31%
Analysts Target Price 20.5 31%
HBAN Fundamental Data Overview as of 01 April 2026
P/E Trailing = 10.8058
P/E Forward = 9.4607
P/S = 3.9778
P/B = 1.4224
P/EG = 1.7201
Revenue TTM = 12.48b USD
EBIT TTM = 2.06b USD
EBITDA TTM = 3.08b USD
Long Term Debt = 17.22b USD (from longTermDebt, last quarter)
Short Term Debt = 1.26b USD (from shortTermDebt, last quarter)
Debt = 18.48b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 16.70b USD (from netDebt column, last quarter)
Enterprise Value = 21.16b USD (30.60b + Debt 18.48b - CCE 27.91b)
Interest Coverage Ratio = 0.48 (Ebit TTM 2.06b / Interest Expense TTM 4.32b)
EV/FCF = 9.34x (Enterprise Value 21.16b / FCF TTM 2.27b)
FCF Yield = 10.70% (FCF TTM 2.27b / Enterprise Value 21.16b)
FCF Margin = 18.14% (FCF TTM 2.27b / 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 = 0.09 (Enterprise Value 21.16b / 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 = 0.19 (Total Current Assets 27.91b / Total Current Liabilities 147.10b)
Debt / Equity = 0.76 (Debt 18.48b / totalStockholderEquity, last quarter 24.34b)
Debt / EBITDA = 5.41 (Net Debt 16.70b / EBITDA 3.08b)
Debt / FCF = 7.37 (Net Debt 16.70b / FCF TTM 2.27b)
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 = 5.25% (EBIT 2.06b / Capital Employed (Equity 21.99b + L.T.Debt 17.22b))
RoIC = 4.52% (NOPAT 1.70b / Invested Capital 37.73b)
WACC = 7.76% (E(30.60b)/V(49.08b) * Re(9.54%) + D(18.48b)/V(49.08b) * Rd(5.81%) * (1-Tc(0.17)))
Discount Rate = 9.54% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.38%
[DCF] Terminal Value 78.16% ; FCFF base≈2.03b ; Y1≈1.87b ; Y5≈1.68b
[DCF] Fair Price = 7.54 (EV 32.07b - Net Debt 16.70b = Equity 15.37b / Shares 2.04b; r=7.76% [WACC]; 5y FCF grow -9.89% → 3.0% )
EPS Correlation: -8.63 | EPS CAGR: 3.95% | SUE: -0.74 | # QB: 0
Revenue Correlation: 89.49 | Revenue CAGR: 18.95% | SUE: 3.08 | # QB: 2
EPS next Quarter (2026-06-30): EPS=0.37 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=-1 | Analysts=16
EPS current Year (2026-12-31): EPS=1.45 | Chg7d=+0.000 | Chg30d=-0.015 | Revisions Net=-1 | Growth EPS=+4.5% | Growth Revenue=+38.4%
EPS next Year (2027-12-31): EPS=1.89 | Chg7d=-0.014 | Chg30d=-0.026 | Revisions Net=+0 | Growth EPS=+30.1% | Growth Revenue=+9.7%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.3% (Discount Rate 9.5% - Earnings Yield 9.3%)
[Growth] Growth Spread = +45.9% (Analyst 46.2% - Implied 0.3%)
External Resources
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