Huntington Bancshares (HBAN)
Financials · $31.7B market cap · SEC CIK 0000049196
fundamentals score out of 100
Next reports on Oct 22, 2026, with analysts expecting $0.39 in earnings per share.
The case for HBAN
- 31% of revenue drops through to net profit.
- Pays a 5.7% dividend while you wait.
- Reasonably priced at 13.2× earnings.
- Trades at 1.10× book value, close to what the balance sheet says it owns.
- Has compounded revenue at 11.7% a year over five years.
The case against
- Near the bottom of its 52-week range, 19% below the high. Falling prices usually have a reason; find it first.
- Return on equity of 9% is lower than 86% of Financials companies.
What the score is made of
Each factor is half a curve over reported figures and half a rank among the other Financials companies (momentum is judged against fixed thresholds only), and the five are blended by weight. It describes the last filing and the current price. It is not a forecast.
| Valuewhat you pay for the earnings, sales, assets and cash | 73 |
|---|---|
| Growthhow fast revenue and earnings are moving, this year and over five | 45 |
| Profitabilityhow much of the revenue becomes profit, and how much of that is cash | 63 |
| Momentumhow the price has behaved lately | 30 |
| Stabilityhow violently it moves, what it owes and what it pays you | 75 |
- Its one-year revenue change (+59%) is far out of line with its five-year trend (+12% a year). In the Financials sector that is usually interest income swinging with rates rather than growth, so only the five-year figure is used.
- Its debt and cash flow are not scored, as for every company in the Financials sector: for banks, insurers and brokers, borrowing is the business.
- Each factor except momentum is half fixed thresholds, half rank among the 74 Financials companies.
Key numbers
| Price / earnings | 13.2× |
|---|---|
| Price / book | 1.10× |
| Price / sales | 2.1× |
| Revenue growth (YoY) | +59.0% (not used: out of line with the five-year +11.7% a year) |
| EPS growth (YoY) | -2.9% |
| Gross margin | — |
| Operating margin | 39% |
| Net margin | 31% |
| Return on equity | 9% |
| Debt / equity | 0.44× |
| Current ratio | n/a |
| Dividend yield | 5.70% |
| Beta | 1.00 |
| 52-week range | $14.89 – $19.46 |
| Position in that range | 18% of the way up |
| 3-month return | -4.9% |
| 1-year return | -9.5% |
Five years of financials, as filed
Pulled from Huntington Bancshares's XBRL filings on SEC EDGAR. Italic rows are derived from the rows above.
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|
| Revenue | $1.6B | $1.5B | $1.4B | $1.3B | $1.1B |
| Net income | $2.2B | $1.9B | $2.0B | $2.2B | $1.3B |
| Operating cash flow | $2.5B | $1.8B | $2.7B | $4.0B | $2.1B |
| Capital expenditure | $267M | $143M | $140M | $214M | $247M |
| Total assets | $225B | $204B | $189B | $183B | $174B |
| Total liabilities | $201B | $184B | $170B | $165B | $155B |
| Shareholder equity | $24.3B | $19.7B | $19.4B | $17.7B | $19.3B |
| Cash | $13.5B | $12.8B | $10.1B | $6.7B | $5.5B |
| Long-term debt | $17.2B | $16.4B | $12.4B | $9.7B | $7.1B |
| Free cash flow | $2.2B | $1.7B | $2.5B | $3.8B | $1.8B |
| Net margin | 141.5% | 132.2% | 139.4% | 169.8% | 116.4% |
| Diluted shares | 1.5B | 1.5B | 1.5B | 1.5B | 1.3B |
Share count is up 17.0% over 4 years. Your slice has been diluted.
What Huntington Bancshares says it does
of this Form 10-K. Some of the more significant processes used to manage and control credit, market, liquidity, operational, and compliance risks are described in the following sections. Credit Risk Credit risk is the risk of financial loss if a counterparty is not able to meet the agreed upon terms of the financial obligation. The majority of our credit risk is associated with lending activities, as the acceptance and management of credit risk is central to profitable lending. We also have credit risk associated with our investment securities portfolios (see Note 4 - " Investment Securities and Other Securities " of the Notes to Consolidated Financial Statements) . We engage with other financial counterparties for a variety of purposes including investing, asset and liability management, mortgage banking, and trading activities. A variety of derivative financial instruments, principally interest rate swaps, swaptions, floors, forward…
Risk factors HBAN lists in its 10-K
- Table 1 - Selected Year-to-Date Income Statement Data
- (amounts in millions, except per share data)
- Revenue and Net Interest Income—FTE (Non-GAAP)
- Consolidated Balance Sheet and Capital Ratios
- Average Balance Sheet / Net Interest Income
- Table 2 - Consolidated Average Balance Sheet and Net Interest Margin Analysis
- Liabilities and shareholders’ equity
- Table 3 - Change in Net Interest Income Due to Changes in Average Volume and Interest Rates (1)
- (This section should be read in conjunction with the "
- Table 4 - Provision for Credit Losses
- Table 7 - Impact of Acquisition-related Expenses
- (This section should be read in conjunction with Note 1 - "
- " of the Notes to Consolidated Financial Statements.)
- Investment Securities and Other Securities