HBAN Stock Analysis: Huntington Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 31.013m USD | 12M Return: 2.4% | US4461501045 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 398M
EPS Trend: 52.9%
Qual. Beats: 0
Rev. Trend: 96.0%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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 (NASDAQ: HBAN) is a large-cap U.S. regional bank holding company headquartered in Columbus, Ohio, operating primarily through The Huntington National Bank. Founded in 1866, the company provides a wide range of commercial, consumer, and mortgage banking services, including deposits, lending, payments, dealer financing, investment management, trust, brokerage, and insurance products.
The company serves consumer, business, and wealth management customers through a multi-channel network of branches, ATMs, digital platforms, and call centers. Its offerings span consumer and business banking, middle market and corporate banking, specialty lending, government and institutional banking, commercial real estate, asset-based lending, equipment financing, capital markets, and treasury management services. Huntington also distinguishes itself through consumer-focused digital tools such as 24-Hour Grace, Early Pay, and Savings Goal Getter.
- Net interest margin expands on commercial loan growth
- Deposit costs pressure profitability as competition for funding intensifies
- Capital return accelerates through buybacks and dividends
- Fee income grows in payments and wealth management
| Net Income: 2.40b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.11 > 1.0 |
| NWC/Revenue: 245.8% < 20% (prev -1.17k%; Δ 1.41k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 2.97b > Net Income 2.40b |
| Net Debt (-16.7b) to EBITDA (3.68b): -4.53 < 3 |
| Current Ratio: 12.39 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.98b) vs 12m ago 33.36% < -2% |
| Gross Margin: 63.73% > 18% (prev 59.68%; Δ 4.05% > 0.5%) |
| Asset Turnover: 5.86% > 50% (prev 5.85%; Δ 0.01% > 0%) |
| Interest Coverage Ratio: 0.63 > 6 (EBIT TTM 2.93b / Interest Expense TTM 4.69b) |
| A: 0.12 (Total Current Assets 38.5b - Total Current Liabilities 3.11b) / Total Assets 284b |
| B: 0.02 (Retained Earnings 6.88b / Total Assets 284b) |
| C: 0.01 (EBIT TTM 2.93b / Avg Total Assets 246b) |
| D: 0.13 (Book Value of Equity 32.6b / Total Liabilities 251b) |
| Altman-Z'' = 1.11 = BB |
As of October 22, 2026, the stock is trading at USD 15.72 with a total of 26,031,712 shares traded. Over the past week, the price has changed by +4.11%, over one month by -2.00%, over three months by -12.63% and over the past year by +2.41%.
Current recommended Stop Loss: 15.20 (which is 3.3% or 1.6 ATR below the current price).
Huntington Bancshares has received a consensus analysts rating of 4.29. Therefore, it is recommended to buy HBAN.
- StrongBuy: 12
- Buy: 3
- Hold: 6
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 19.2 | 21.9% |
P/E Trailing = 11.8077
P/E Forward = 8.643
P/S = 3.3795
P/B = 1.0454
P/EG = 1.6313
Revenue TTM = 14.4b USD
EBIT TTM = 2.93b USD
EBITDA TTM = 3.68b USD
Long Term Debt = 18.7b USD (from longTermDebt, last quarter)
Short Term Debt = 3.11b USD (from shortTermDebt, last quarter)
Debt = 21.8b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -16.7b USD (calculated: Debt 21.8b - CCE 38.5b)
Enterprise Value = 14.3b USD (31.0b + Debt 21.8b - CCE 38.5b)
Interest Coverage Ratio = 0.63 (Ebit TTM 2.93b / Interest Expense TTM 4.69b)
EV/FCF = 4.84x (Enterprise Value 14.3b / FCF TTM 2.96b)
FCF Yield = 20.64% (FCF TTM 2.96b / Enterprise Value 14.3b)
FCF Margin = 20.52% (FCF TTM 2.96b / Revenue TTM 14.4b)
Net Margin = 16.64% (Net Income TTM 2.40b / Revenue TTM 14.4b)
Gross Margin = 63.73% ((Revenue TTM 14.4b - Cost of Revenue TTM 5.23b) / Revenue TTM)
Gross Margin QoQ = 64.91% (prev 64.09%)
Tobins Q-Ratio = 0.05 (Enterprise Value 14.3b / Total Assets 284b)
Interest Expense / Debt = 21.47% (Interest Expense 4.69b / Debt 21.8b)
Taxrate = 17.72% (520.0m / 2.93b)
NOPAT = 2.41b (EBIT 2.93b * (1 - 17.72%))
Current Ratio = 12.39 (Total Current Assets 38.5b / Total Current Liabilities 3.11b)
Debt / Equity = 0.67 (Debt 21.8b / totalStockholderEquity, last quarter 32.6b)
Debt / EBITDA = -4.53 (Net Debt -16.7b / EBITDA 3.68b)
Debt / FCF = -5.64 (Net Debt -16.7b / FCF TTM 2.96b)
Total Stockholder Equity = 27.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.98% (Net Income 2.40b / Total Assets 284b)
RoE = 8.58% (Net Income TTM 2.40b / Total Stockholder Equity 27.9b)
RoCE = 6.29% (EBIT 2.93b / Capital Employed (Equity 27.9b + L.T.Debt 18.7b))
RoIC = 0.85% (NOPAT 2.41b / Invested Capital 283b)
WACC = 12.44% (E(31.0b)/V(52.9b) * Re(8.76%) + D(21.8b)/V(52.9b) * Rd(21.47%) * (1-Tc(0.18)))
Discount Rate = 8.76% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 76.41 | Cagr: 13.91%
[DCF] Terminal Value 65.91% ; FCFF base≈2.55b ; Y1≈2.92b ; Y5≈4.30b
[DCF] Fair Price = 26.78 (EV 37.4b - Net Debt -16.7b = Equity 54.1b / Shares 2.02b; r=12.44% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 52.93 | EPS CAGR: 8.40% | SUE: 0.0 | # QB: 0
Revenue Correlation: 96.03 | Revenue CAGR: 9.82% | SUE: 0.86 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.38 | Chg30d=-3.13% | Revisions=-67% | Analysts=15
EPS current Year (2026-12-31): EPS=1.54 | Chg30d=-3.51% | Revisions=-81% | GrowthEPS=+5.3% | GrowthRev=+35.4%
EPS next Year (2027-12-31): EPS=1.76 | Chg30d=-6.08% | Revisions=-81% | GrowthEPS=+14.7% | GrowthRev=+7.0%
[Analyst] Revisions Ratio: -88% (up=1, down=37)