Huntington Bancshares (HBAN)

Financials · $32.0B market cap · SEC CIK 0000049196

Next reports on Jan 20, 2027, after the close, with analysts expecting $0.41 in earnings per share.

52-week range $14.82 to $19.46. 19% below its 52-week high and 7% above its low.

The case for HBAN

• Cheap for its growth: 12.9× earnings, where 10%+ a year of growth plus a 5.7% dividend would justify about 32×.
• 31% of revenue drops through to net profit.
• Trades at 0.96× book value, below what the balance sheet says it owns.
• Pays a 5.7% dividend while you wait.
• Has compounded revenue at 11.7% a year over five years.

The case against

• Earnings per share fell 12.4%.
• The price trend is weak (34/100): +1.5% over a year, −9.5% over three months, 19% below its 52-week high.
• Return on equity of 8% 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. The score is where that blend places it in the S&P 500. It describes the last filing and the current price. It is not a forecast.

• 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 76 Financials companies.

The financials

The financials, five years deep

Pulled from Huntington Bancshares's XBRL filings on SEC EDGAR. Italic rows are worked out from the others.

What Huntington Bancshares says it does

Business Description We are a multi-state diversified regional bank holding company organized under Maryland law in 1966 and headquartered in Columbus, Ohio. Through the Bank, we are committed to making people’s lives better, helping businesses thrive, and strengthening the communities we serve, and we have been servicing the financial needs of our customers since 1866. Through our subsidiaries, we provide full-service commercial and consumer deposit, lending, and other banking and financial services. These include, but are not limited to, payments, mortgage banking, direct and indirect consumer financing, investment banking, capital markets, advisory, equipment financing, distribution finance, investment management, trust, brokerage, insurance, and other financial products and services. As of December 31, 2025, we operated more than 1,000 branches in 14 states. Following the completion of our merger with Cadence Bank on February 1,…

Risk factors HBAN lists in its 10-K

• Our ACL level may prove to not be adequate or be negatively affected by credit risk exposures, which could adversely affect our net income and capital
• Weakness in economic conditions could adversely affect our business
• Our emphasis on commercial lending may expose us to increased lending risks
• Inflation could negatively impact our business, our profitability, and our stock price
• Industry competition may have an adverse effect on our success
• Changes in Huntington’s financial condition or in the general banking industry, or changes in interest rates, could result in a loss of depositor confidence
• We are a holding company and depend on dividends from our subsidiaries for liquidity needs
• If we lose access to capital markets, we may not be able to meet the cash flow requirements of our depositors, creditors, and borrowers, or have the operating cash needed to fund corporate expansion and other corporate activities
• A reduction in our credit rating could adversely affect our access to capital and could increase our cost of funds
• Instability in global economic conditions and geopolitical matters, as well as volatility in financial markets, could have a material adverse effect on our results of operations and financial condition
• We face significant operational risks which could lead to financial loss, expensive litigation, and loss of confidence by our customers, regulators, and capital markets
• We rely on quantitative models to measure risks and to estimate certain financial values
• We rely on third parties to provide key components of our business infrastructure
• Changes in accounting policies, standards, and interpretations could affect how we report our financial condition and results of operations
• Impairment of goodwill could require charges to earnings, which could result in a negative impact on our results of operations
• Climate change manifesting as physical or transition risks could adversely affect our operations, businesses, and customers
• We use AI in connection with our business and operations, which exposes us to inherent risks that may expose us to material harm
• The resolution of significant pending litigation, if unfavorable, could have an adverse effect on our results of operations for a particular period
• Noncompliance with the Bank Secrecy Act and other anti-money laundering statutes and regulations could cause us material financial loss
• Cybersecurity and data privacy are areas of heightened legislative and regulatory focus
• We operate in a highly competitive industry which depends on our ability to successfully execute our strategic plan and adapt our products and services to evolving industry standards and consumer preferences
• We depend on our executive officers and key personnel to continue the implementation of our long-term business strategy and could be harmed by the loss of their services
• Damage to our reputation could significantly harm our business, including our competitive position and business prospects
• We are expected to incur substantial costs related to the Cadence Merger and integration
• Combining Huntington and Cadence may be more difficult, costly or time consuming than expected and Huntington and Cadence may fail to realize the anticipated benefits of the Cadence Merger
• The future results of the combined company following the Cadence Merger may suffer if the combined company does not effectively manage its expanded operations
• The combined company may be unable to retain Huntington or Cadence personnel successfully

Filings

Other Financials companies