HBAN Stock Analysis: Huntington Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 37.036m USD | 12M Return: 7.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 364M
EPS Trend: 1.6%
Qual. Beats: 1
Rev. Trend: 96.5%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Huntington Bancshares Incorporated is a bank holding company headquartered in Columbus, Ohio, that operates primarily through its subsidiary, The Huntington National Bank. Founded in 1866, the company provides commercial, consumer, and mortgage banking services to retail and business customers, predominantly across the U.S. Midwest.
The business model spans the full spectrum of traditional banking activities, including deposits, lending, payments, mortgage banking, dealer financing, investment management, trust, brokerage, and insurance services. It also delivers specialized commercial and institutional offerings such as equipment financing, asset-based lending, structured lending, municipal financing, and capital markets services covering corporate risk management, institutional sales and trading, and debt and equity issuance. As a diversified regional bank, HBAN extends services into niche segments including healthcare, technology and telecommunications, franchises, financial sponsors, fund finance, Native American financial, and global services.
Distribution occurs through branches, ATMs, online and mobile banking, and call centers, targeting consumer, middle market, corporate, specialty, government, commercial real estate, and wealth management clients. Its branded consumer solutions-such as 24-Hour Grace, Money Scout, Standby Cash, Early Pay, and Huntington Heads Up-reflect a focus on digitally powered retail banking layered on top of the companys broader commercial and institutional franchises.
- Net interest margin compression as Fed cuts rates
- Cadence Bank merger expands regional banking footprint
- Commercial loan demand strengthens in middle market segments
| Net Income: 2.21b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.03 > 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 (3.25b): -4.37 < 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 58.88%; Δ 3.76% > 0.5%) |
| Asset Turnover: 5.36% > 50% (prev 5.77%; Δ -0.41% > 0%) |
| Interest Coverage Ratio: 0.60 > 6 (EBIT TTM 2.68b / 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: 0.13 (Book Value of Equity 32.5b / Total Liabilities 253b) |
| Altman-Z'' = -2.23 = D |
As of July 24, 2026, the stock is trading at USD 17.40 with a total of 68,574,130 shares traded. Over the past week, the price has changed by -6.25%, over one month by +0.00%, over three months by +4.32% and over the past year by +7.33%.
Current recommended Stop Loss: 16.60 (which is 4.6% or 2.1 ATR below the current price).
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 | 20.5 | 17.9% |
P/E Trailing = 13.9466
P/E Forward = 11.3507
P/S = 4.4632
P/B = 1.2421
P/EG = 2.1427
Revenue TTM = 13.3b USD
EBIT TTM = 2.68b USD
EBITDA TTM = 3.25b 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 = 22.9b USD (37.0b + Debt 23.5b - CCE 37.7b)
Interest Coverage Ratio = 0.60 (Ebit TTM 2.68b / Interest Expense TTM 4.45b)
EV/FCF = 10.36x (Enterprise Value 22.9b / FCF TTM 2.21b)
FCF Yield = 9.65% (FCF TTM 2.21b / Enterprise Value 22.9b)
FCF Margin = 16.62% (FCF TTM 2.21b / 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 = 0.08 (Enterprise Value 22.9b / Total Assets 285b)
Interest Expense / Debt = 18.97% (Interest Expense 4.45b / Debt 23.5b)
Taxrate = 16.85% (451.0m / 2.68b)
NOPAT = 2.23b (EBIT 2.68b * (1 - 16.85%))
Current Ratio = 0.26 (Total Current Assets 37.7b / Total Current Liabilities 147b)
Debt / Equity = 0.72 (Debt 23.5b / totalStockholderEquity, last quarter 32.5b)
Debt / EBITDA = -4.37 (Net Debt -14.2b / EBITDA 3.25b)
Debt / FCF = -6.43 (Net Debt -14.2b / FCF TTM 2.21b)
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 = 0.78% (NOPAT 2.23b / Invested Capital 285b)
WACC = 11.88% (E(37.0b)/V(60.5b) * Re(9.42%) + D(23.5b)/V(60.5b) * Rd(18.97%) * (1-Tc(0.17)))
Discount Rate = 9.42% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 63.46 | Cagr: 12.14%
[DCF] Terminal Value 67.42% ; FCFF base≈2.00b ; Y1≈2.29b ; Y5≈3.37b
[DCF] Fair Price = 22.35 (EV 31.1b - Net Debt -14.2b = Equity 45.3b / Shares 2.03b; r=11.88% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 1.56 | EPS CAGR: 0.16% | SUE: 1.26 | # QB: 1
Revenue Correlation: 96.49 | Revenue CAGR: 9.66% | SUE: 0.78 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.39 | Chg30d=-0.18% | Revisions=-17% | Analysts=13
EPS next Quarter (2026-09-30): EPS=0.42 | Chg30d=+0.00% | Revisions=-38% | Analysts=13
EPS current Year (2026-12-31): EPS=1.61 | Chg30d=-0.05% | Revisions=+0% | GrowthEPS=+10.5% | GrowthRev=+38.2%
EPS next Year (2027-12-31): EPS=1.90 | Chg30d=-0.12% | Revisions=+0% | GrowthEPS=+17.9% | GrowthRev=+8.3%
[Analyst] Revisions Ratio: -21% (up=6, down=10)