Huntington Bancshares (HBAN)
Market Price (12/23/2025): $17.925 | Market Cap: $26.2 BilSector: Financials | Industry: Regional Banks
Huntington Bancshares (HBAN)
Market Price (12/23/2025): $17.925Market Cap: $26.2 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.8%, FCF Yield is 9.5% | Trading close to highsDist 52W High is 0.0%, Dist 3Y High is 0.0% | Key risksHBAN key risks include [1] an increase in criticized loans, Show more. |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 33%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31%, CFO LTM is 2.6 Bil, FCF LTM is 2.5 Bil | Weak multi-year price returns3Y Excs Rtn is -25% | |
| Low stock price volatilityVol 12M is 30% | Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 8.7% | |
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 20% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.8%, FCF Yield is 9.5% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 33%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31%, CFO LTM is 2.6 Bil, FCF LTM is 2.5 Bil |
| Low stock price volatilityVol 12M is 30% |
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 20% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more. |
| Trading close to highsDist 52W High is 0.0%, Dist 3Y High is 0.0% |
| Weak multi-year price returns3Y Excs Rtn is -25% |
| Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 8.7% |
| Key risksHBAN key risks include [1] an increase in criticized loans, Show more. |
Why The Stock Moved
Qualitative Assessment
AI Analysis | Feedback
Following are the key points for the movement of Huntington Bancshares (HBAN) stock in the approximate time period from August 31, 2025, to December 23, 2025:1. Strong Third-Quarter 2025 Earnings: Huntington Bancshares reported third-quarter 2025 financial results that exceeded analyst expectations, with both revenue and earnings per share surpassing consensus estimates. Net income rose by 17% from the prior quarter and 22% from the year-ago quarter, leading to a pre-market rally of approximately 1.82%.
2. Upgraded Net Interest Income Outlook: The company increased its net interest income forecast for 2025, attributing this to robust loan growth, reduced deposit costs, and the acquisition of Veritex in Texas. They now project net interest income to expand by 8% to 9%, exceeding prior guidance.
Show more
Stock Movement Drivers
Fundamental Drivers
The 4.3% change in HBAN stock from 9/22/2025 to 12/22/2025 was primarily driven by a 3.4% change in the company's Total Revenues ($ Mil).| 9222025 | 12222025 | Change | |
|---|---|---|---|
| Stock Price ($) | 17.18 | 17.92 | 4.32% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 7686.00 | 7946.00 | 3.38% |
| Net Income Margin (%) | 27.45% | 27.96% | 1.86% |
| P/E Multiple | 11.86 | 11.77 | -0.82% |
| Shares Outstanding (Mil) | 1457.31 | 1459.13 | -0.12% |
| Cumulative Contribution | 4.32% |
Market Drivers
9/22/2025 to 12/22/2025| Return | Correlation | |
|---|---|---|
| HBAN | 4.3% | |
| Market (SPY) | 2.7% | 38.7% |
| Sector (XLF) | 2.4% | 78.6% |
Fundamental Drivers
The 13.5% change in HBAN stock from 6/23/2025 to 12/22/2025 was primarily driven by a 5.2% change in the company's Total Revenues ($ Mil).| 6232025 | 12222025 | Change | |
|---|---|---|---|
| Stock Price ($) | 15.79 | 17.92 | 13.50% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 7551.00 | 7946.00 | 5.23% |
| Net Income Margin (%) | 27.12% | 27.96% | 3.10% |
| P/E Multiple | 11.21 | 11.77 | 4.95% |
| Shares Outstanding (Mil) | 1454.50 | 1459.13 | -0.32% |
| Cumulative Contribution | 13.50% |
Market Drivers
6/23/2025 to 12/22/2025| Return | Correlation | |
|---|---|---|
| HBAN | 13.5% | |
| Market (SPY) | 14.4% | 45.9% |
| Sector (XLF) | 9.2% | 74.6% |
Fundamental Drivers
The 14.1% change in HBAN stock from 12/22/2024 to 12/22/2025 was primarily driven by a 21.0% change in the company's Net Income Margin (%).| 12222024 | 12222025 | Change | |
|---|---|---|---|
| Stock Price ($) | 15.71 | 17.92 | 14.07% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 7152.00 | 7946.00 | 11.10% |
| Net Income Margin (%) | 23.11% | 27.96% | 20.99% |
| P/E Multiple | 13.81 | 11.77 | -14.77% |
| Shares Outstanding (Mil) | 1452.68 | 1459.13 | -0.44% |
| Cumulative Contribution | 14.06% |
Market Drivers
12/22/2024 to 12/22/2025| Return | Correlation | |
|---|---|---|
| HBAN | 14.1% | |
| Market (SPY) | 16.9% | 74.4% |
| Sector (XLF) | 15.7% | 84.2% |
Fundamental Drivers
The 46.3% change in HBAN stock from 12/23/2022 to 12/22/2025 was primarily driven by a 32.8% change in the company's P/E Multiple.| 12232022 | 12222025 | Change | |
|---|---|---|---|
| Stock Price ($) | 12.25 | 17.92 | 46.29% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 6940.00 | 7946.00 | 14.50% |
| Net Income Margin (%) | 28.73% | 27.96% | -2.67% |
| P/E Multiple | 8.86 | 11.77 | 32.78% |
| Shares Outstanding (Mil) | 1442.59 | 1459.13 | -1.15% |
| Cumulative Contribution | 46.27% |
Market Drivers
12/23/2023 to 12/22/2025| Return | Correlation | |
|---|---|---|
| HBAN | 53.7% | |
| Market (SPY) | 47.7% | 62.1% |
| Sector (XLF) | 52.0% | 81.1% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| HBAN Return | -11% | 27% | -4% | -5% | 34% | 13% | 55% |
| Peers Return | -8% | 42% | -20% | -4% | 29% | 24% | 61% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 17% | 113% |
Monthly Win Rates [3] | |||||||
| HBAN Win Rate | 58% | 67% | 50% | 50% | 67% | 50% | |
| Peers Win Rate | 60% | 70% | 48% | 45% | 60% | 60% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| HBAN Max Drawdown | -54% | -1% | -21% | -33% | -4% | -22% | |
| Peers Max Drawdown | -57% | -2% | -28% | -36% | -6% | -21% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: PNC, TFC, FITB, KEY, CFG. See HBAN Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/22/2025 (YTD)
How Low Can It Go
| Event | HBAN | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -47.4% | -25.4% |
| % Gain to Breakeven | 90.0% | 34.1% |
| Time to Breakeven | 550 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -54.7% | -33.9% |
| % Gain to Breakeven | 120.8% | 51.3% |
| Time to Breakeven | 322 days | 148 days |
| 2018 Correction | ||
| % Loss | -31.2% | -19.8% |
| % Gain to Breakeven | 45.3% | 24.7% |
| Time to Breakeven | 805 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -95.8% | -56.8% |
| % Gain to Breakeven | 2257.8% | 131.3% |
| Time to Breakeven | Not Fully Recovered days | 1,480 days |
Compare to JPM, BAC, WFC, USB, CBC
In The Past
Huntington Bancshares's stock fell -47.4% during the 2022 Inflation Shock from a high on 1/14/2022. A -47.4% loss requires a 90.0% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth over time.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
Huntington Bancshares Incorporated operates as the bank holding company for The Huntington National Bank that provides commercial, consumer, and mortgage banking services in the United States. The company operates through four segments: Consumer and Business Banking; Commercial Banking; Vehicle Finance; and Regional Banking and The Huntington Private Client Group (RBHPCG). The Consumer and Business Banking segment offers financial products and services, such as checking accounts, savings accounts, money market accounts, certificates of deposit, credit cards, and consumer and small business loans, as well as investment products. This segment also provides mortgages, insurance, interest rate risk protection, foreign exchange, automated teller machine, and treasury management services, as well as online, mobile, and telephone banking services. It serves consumer and small business customers. The Commercial Banking segment offers regional commercial banking solutions for middle market businesses, government and public sector entities, and commercial real estate developers/REITs; and specialty banking solutions for healthcare, technology and telecommunications, franchise finance, sponsor finance, and global services industries. It also provides asset finance services; capital raising solutions, sales and trading, and corporate risk management products; institutional banking services; and treasury management services. The Vehicle Finance segment provides financing to consumers for the purchase of automobiles, light-duty trucks, recreational vehicles, and marine craft at franchised and other select dealerships, as well as to franchised dealerships for the acquisition of new and used inventory. The RBHPCG segment offers private banking, wealth and investment management, and retirement plan services. As of March 18, 2022, the company had approximately 1,000 branches in 11 states. Huntington Bancshares Incorporated was founded in 1866 and is headquartered in Columbus, Ohio.
AI Analysis | Feedback
Here are 1-3 brief analogies for Huntington Bancshares (HBAN):
- It's like the JPMorgan Chase or Bank of America for the Midwest, offering a full range of banking services across a specific region.
- Think of it as a regional version of Wells Fargo, with a strong branch presence and focus on traditional banking in the Great Lakes states.
AI Analysis | Feedback
- Consumer Deposit Accounts: Provides checking, savings, money market, and certificate of deposit accounts for individual customers.
- Consumer Lending: Offers mortgages, auto loans, home equity lines of credit, and personal loans to individuals.
- Credit Cards: Issues various credit cards for personal use, including rewards and low-interest options.
- Business Deposit Accounts: Supplies checking, savings, and money market accounts designed for businesses of all sizes.
- Business Lending: Furnishes commercial loans, lines of credit, equipment financing, and Small Business Administration (SBA) loans to support business operations and growth.
- Treasury Management: Delivers cash management, payment processing, and fraud prevention services to business and commercial clients.
- Wealth Management: Offers financial planning, investment management, and trust services to high-net-worth individuals and institutional clients.
AI Analysis | Feedback
Huntington Bancshares (symbol: HBAN) is a diversified regional bank holding company that primarily serves a broad base of individuals, small to mid-sized businesses, and corporations rather than relying on a few major corporate customers. Therefore, it sells primarily to a wide range of customers, which can be categorized as follows:Huntington Bancshares primarily serves a broad base of individuals and businesses. The company does not have "major customers" in the traditional sense, such as specific other companies that account for a significant portion of its revenue. Instead, its customer base is highly diversified across the following categories:
- Consumers/Individuals: This category includes everyday individuals and households who utilize Huntington's retail banking services. These services encompass checking and savings accounts, credit cards, mortgages, home equity loans, auto loans, personal loans, and wealth management services.
- Small to Mid-Sized Businesses: Huntington has a strong focus on serving the financial needs of small and medium-sized enterprises. These businesses utilize commercial loans, lines of credit, treasury management services (such as cash management, payroll, and merchant services), and other business banking solutions to manage their operations and growth.
- Corporate and Institutional Clients: This segment includes larger corporations, government entities, and non-profit organizations. These clients typically require more complex and tailored financial solutions, including large-scale commercial lending, capital markets services, specialized industry financing, and sophisticated treasury management services.
AI Analysis | Feedback
- Visa Inc. (NYSE: V)
- Mastercard Inc. (NYSE: MA)
- Alphabet Inc. (NASDAQ: GOOGL)
- Ernst & Young LLP
AI Analysis | Feedback
Stephen D. Steinour, Chairman, President, and Chief Executive Officer
Stephen D. Steinour joined Huntington in 2009. Prior to this, he served as a Managing Partner at CrossHarbor Capital Partners, a real estate private equity firm. He was also the President and Chief Executive Officer of Citizens Financial Group (CFG) and held executive positions at Fleet Financial Group and Bank of New England. Steinour began his career as an analyst for the U.S. Treasury Department and subsequently worked for the FDIC.
Zachary J. Wasserman, Chief Financial Officer; Senior Executive Vice President
Zachary J. Wasserman joined Huntington in November 2019. Before Huntington, he was the Chief Financial Officer for Visa, Inc.'s North America business, where he was responsible for financial management, strategic planning, mergers and acquisitions, and portfolio optimization. Previously, Wasserman held various CFO roles at American Express Company, including for the U.S. consumer business, global merchant services, global network services, and the global commercial card business. He began his career as an investment banker at Prudential Securities and Mercer Partners.
Sarah Pohmer, Chief Human Resources Officer, Senior Executive Vice President
Sarah Pohmer joined Huntington in March 2024. Prior to this role, she spent 24 years at JPMorgan Chase, where her most recent position was Managing Director, Head of Human Resources for the Consumer Bank. She also served as Head of Human Resources for Cards and Connected Commerce, and earlier, as Head of Human Resources for Business Banking and Staff Functions.
Helga S. Houston, Senior Executive Vice President, Chief Risk Officer
Helga S. Houston has been the Chief Risk Officer and Senior Executive Vice President of Huntington since 2012. Before joining Huntington, she was a Partner at Phoenix Global Advisors. She also held various positions at Bank of America, Crocker National Bank, and Home Federal Savings and Loan.
Kendall Kowalski, Executive Vice President; Chief Information Officer
Kendall Kowalski has served as the Chief Information Officer and Executive Vice President of Huntington since February 2014. Before joining Huntington, he was the Chief Technology Officer at JPMorgan Chase. He also worked at Accenture for 10 years.
AI Analysis | Feedback
The key risks to Huntington Bancshares (HBAN) include credit risk, market risk (encompassing interest rate fluctuations and broader economic uncertainty), and regulatory and compliance risk.
-
Credit Risk: Huntington Bancshares is exposed to credit risk, which is the possibility that loan and lease customers or other counterparties may be unable to meet their financial obligations. Recent reports indicate an increase in criticized loans, particularly in the commercial and industrial (C&I) and commercial real estate (CRE) sectors, which could lead to higher non-performing assets and loan losses if economic conditions deteriorate.
-
Market Risk and Economic Uncertainty: The company's financial condition and results of operations are substantially dependent on net interest income, which can be negatively impacted by changes in interest rates. Interest rates are highly sensitive to governmental monetary policies and broader domestic and international economic conditions. Elevated economic uncertainty, including factors such as inflation, trade policies, and geopolitical instability, can affect consumer and business confidence, thereby influencing the demand for banking services and the performance of loan portfolios. The CEO of Huntington Bancshares has also noted the risk of the economy slowing down due to rising interest rates.
-
Regulatory and Compliance Risk: As a financial institution, Huntington Bancshares is subject to extensive and stringent regulatory oversight. Changes in laws, rules, and regulations can lead to increased compliance costs, operational challenges, and potential penalties for non-compliance. The bank must continuously adhere to various federal and state regulations, FFIEC examination guidance, and industry security standards.
AI Analysis | Feedback
The increasing market penetration and technological advancements of non-bank financial technology (fintech) companies and large technology firms (Big Tech) offering banking-like services. These disruptors are gaining market share by providing more agile, digitally-native, and often lower-cost alternatives for traditional banking products such as deposits, payments, and various lending categories, threatening to disintermediate HBAN from its customer relationships and revenue streams.
This threat is evidenced by the growth of neo-banks (e.g., Chime, SoFi, Ally Bank) attracting consumers with low-fee, high-tech accounts; the expansion of digital payment platforms (e.g., Block/Square, PayPal, Apple Pay) into broader financial services; and the entry of Big Tech companies (e.g., Apple Card, Amazon Lending) leveraging their vast customer bases and data.
AI Analysis | Feedback
Huntington Bancshares (HBAN) primarily serves the United States, with a strong presence in the Midwest and expanding operations in the Southeast and Texas. The addressable markets for its main products and services in the U.S. are as follows: * Retail Banking: The U.S. retail banking market was valued at approximately USD 0.87 trillion in 2025 and is projected to reach USD 1.08 trillion by 2030, growing at a compound annual growth rate (CAGR) of 4.22% during this period. Another source estimates the U.S. retail banking market size at USD 125.1 billion by 2033, with a CAGR of 3.20% from 2023 to 2033. * Commercial Banking: The U.S. commercial banking market is estimated at USD 732.5 billion in 2025 and is forecasted to reach USD 915.45 billion by 2030, with a CAGR of 4.56%. Another estimate places the U.S. commercial banking market size at USD 1.6 trillion in 2025. * Mortgage Banking/Home Loans: The U.S. home loan market reached USD 2.29 trillion in 2025 and is forecasted to grow to USD 3.02 trillion by 2030, advancing at a 5.63% CAGR. Separately, the U.S. home mortgage market size was valued at approximately USD 180.91 billion in 2023 and is predicted to grow to around USD 501.67 billion by 2032, with a CAGR of roughly 12.00% between 2024 and 2032. Another report projects the U.S. home mortgage market to reach a valuation of USD 204.49 billion in 2024 and USD 571.64 billion by 2033, at a CAGR of 12.1%. * Vehicle Finance/Auto Lending: The U.S. auto finance market reached a valuation of USD 1.6 trillion in outstanding auto loans in 2023. The U.S. auto loan market is reported to be USD 676.20 billion in 2025 and is expected to reach USD 870.78 billion by 2030, with a CAGR of 5.19%. The auto leasing, loans, and sales financing industry in the U.S. is valued at USD 180.7 billion in 2025. * Wealth Management: The U.S. wealth management market had USD 64.4 trillion in assets under management (AUM) in 2024 and is expected to reach USD 87.35 trillion by 2028. Global assets under management reached USD 162 trillion in 2025, with the United States holding 54.2% of the total AUM. Revenue generated from fee-based advisory relationships in the U.S. wealth management industry is estimated to have grown from approximately USD 150 billion in 2015 to USD 260 billion in 2024.AI Analysis | Feedback
Huntington Bancshares (HBAN) is anticipated to drive future revenue growth over the next two to three years through several key strategies:
- Loan Growth: The company expects continued acceleration in both commercial and consumer loan portfolios. Huntington reported robust loan growth in recent quarters, with average total loans and leases increasing by 9% year-over-year in Q3 2025, and average commercial loans and consumer loans also showing strong sequential growth. This sustained loan growth is a primary contributor to the expansion of Net Interest Income (NII).
- Net Interest Income (NII) and Net Interest Margin (NIM) Expansion: Huntington Bancshares has seen sequential expansion in net interest income and anticipates this trend to continue. The company raised its full-year NII guidance for 2025 to a 10%-11% increase, driven by factors such as better-than-expected loan growth, lower deposit pricing, and fixed-rate asset repricing tailwinds. Analysts project that NIM will continue to expand into 2026.
- Expansion into New Geographic Markets and Strategic Acquisitions: Huntington is actively pursuing an aggressive regional expansion strategy, targeting high-growth markets like the Carolinas, Texas, and Florida. This involves establishing new operations, opening branches, and making strategic acquisitions. A significant driver in this area is the impending acquisition of Veritex Holdings, Inc., expected to close in Q4 2025, which will substantially bolster Huntington's presence in Texas, adding approximately $13 billion in assets, $9 billion in loans, and $11 billion in deposits.
- Growth in Noninterest Income and Diversified Fee Revenues: The bank is focused on expanding its noninterest income, particularly from diversified fee revenues. This includes growth in areas such as payments, wealth management, and capital markets businesses. Noninterest income surged by 33% from the prior quarter in Q3 2025, and the company raised its noninterest income growth goal to approximately 7% for 2025.
AI Analysis | Feedback
Share Repurchases
- On April 16, 2025, Huntington Bancshares' Board of Directors approved a $1 billion share repurchase authorization.
- As of July 29, 2025, no shares had been repurchased under the $1 billion repurchase authorization.
- This authorized share buyback program represents approximately 5% of the company's outstanding shares.
Share Issuance
- On October 27, 2025, Huntington Bancshares entered an agreement to acquire Cadence Bank in an all-stock transaction, issuing 2.475 shares of common stock for each Cadence common share. This transaction had an aggregate value of $7.4 billion based on Huntington's closing price on October 24, 2025.
- The number of common shares outstanding increased from 1,443,016,884 as of January 31, 2023, to 1,448,345,863 as of January 31, 2024.
- As of June 30, 2025, there were 1,458,800,042 shares of common stock outstanding.
Outbound Investments
- On October 27, 2025, Huntington Bancshares agreed to acquire Cadence Bank, a $53 billion regional bank, to strategically expand its presence across the South, including Texas, Mississippi, Alabama, and Arkansas. The deal is expected to close in the first quarter of 2026.
- In July 2025, Huntington announced the acquisition of Veritex Community Bank (VBTX), aiming to accelerate its expansion into the Texas market, which is expected to increase total assets by 6% and double its loan presence in Texas.
- In June 2022, Huntington completed the acquisition of Capstone Partners, a middle market investment bank and advisory firm, to enhance its capabilities in serving middle market business owners nationally.
Latest Trefis Analyses
| Title | Topic | Date | |
|---|---|---|---|
| DASHBOARDS | |||
| Huntington Bancshares Stock Surges 12%, With A 9-Day Winning Spree | Notification | ||
| Would You Still Hold Huntington Bancshares Stock If It Fell 30%? | Return | ||
| Huntington Bancshares (HBAN) Debt Comparison | Financials | ||
| Huntington Bancshares (HBAN) Net Income Comparison | Financials | ||
| Huntington Bancshares (HBAN) Operating Cash Flow Comparison | Financials | ||
| Huntington Bancshares (HBAN) EBITDA Comparison | Financials | ||
| Huntington Bancshares (HBAN) Operating Income Comparison | Financials | ||
| Huntington Bancshares (HBAN) Tax Expense Comparison | Financials | ||
| Huntington Bancshares (HBAN) Revenue Comparison | Financials | ||
| HBAN Dip Buy Analysis | |||
| ARTICLES | |||
| 9-Day Rally Sends Huntington Bancshares Stock Up 12% | December 5th, 2025 | ||
| S&P 500 Stocks Trading At 52-Week High | September 19th, 2025 | ||
| Mid Cap Stocks Trading At 52-Week High | August 29th, 2025 | ||
| HBAN Stock Up 7.5% after 6-Day Win Streak | June 27th, 2025 |
Trade Ideas
Select ideas related to HBAN. For more, see Trefis Trade Ideas.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 13.5% | 13.5% | -0.4% |
| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 3.1% | 3.1% | -0.5% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -4.7% | -4.7% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 6.7% | 6.7% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -10.3% | -10.3% | -12.1% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons for Huntington Bancshares
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 49.39 |
| Mkt Cap | 29.1 |
| Rev LTM | 8,325 |
| Op Inc LTM | - |
| FCF LTM | 2,978 |
| FCF 3Y Avg | 3,260 |
| CFO LTM | 3,350 |
| CFO 3Y Avg | 3,627 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 10.3% |
| Rev Chg 3Y Avg | 3.2% |
| Rev Chg Q | 12.6% |
| QoQ Delta Rev Chg LTM | 3.1% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 34.4% |
| CFO/Rev 3Y Avg | 36.9% |
| FCF/Rev LTM | 32.0% |
| FCF/Rev 3Y Avg | 36.1% |
Segment Financials
Assets by Segment| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Consumer & Regional Banking | 73,082 | 38,561 | 39,929 | 30,758 | 25,073 |
| Commercial Banking | 63,377 | 63,812 | 57,071 | 36,311 | 34,337 |
| Treasury/Other | 52,909 | 49,027 | 47,987 | 29,116 | 22,772 |
| Regional Banking and The Huntington Private Client Group | 10,045 | 8,325 | 7,064 | 6,665 | |
| Vehicle Finance | 21,461 | 20,752 | 19,789 | 20,155 | |
| Total | 189,368 | 182,906 | 174,064 | 123,038 | 109,002 |
Price Behavior
Price Behavior
| Market Price | $17.92 | |
| Market Cap ($ Bil) | 26.1 | |
| First Trading Date | 03/26/1990 | |
| Distance from 52W High | 0.0% | |
| 50 Days | 200 Days | |
| DMA Price | $16.10 | $15.78 |
| DMA Trend | indeterminate | down |
| Distance from DMA | 11.3% | 13.6% |
| 3M | 1YR | |
| Volatility | 25.6% | 29.7% |
| Downside Capture | 43.05 | 107.22 |
| Upside Capture | 57.88 | 103.78 |
| Correlation (SPY) | 36.3% | 74.5% |
HBAN Betas & Captures as of 11/30/2025
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.77 | 0.83 | 0.80 | 1.11 | 1.16 | 1.17 |
| Up Beta | 0.48 | 1.09 | 1.12 | 1.54 | 1.05 | 1.18 |
| Down Beta | 0.64 | 1.58 | 1.39 | 1.28 | 1.41 | 1.26 |
| Up Capture | 140% | 17% | 14% | 75% | 96% | 110% |
| Bmk +ve Days | 12 | 25 | 38 | 73 | 141 | 426 |
| Stock +ve Days | 14 | 23 | 33 | 66 | 125 | 373 |
| Down Capture | 56% | 68% | 73% | 100% | 111% | 104% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 5 | 16 | 27 | 54 | 113 | 357 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of HBAN With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| HBAN | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 10.9% | 14.3% | 14.7% | 67.3% | 6.8% | -0.5% | -16.6% |
| Annualized Volatility | 30.1% | 19.3% | 19.7% | 19.3% | 15.2% | 17.6% | 35.4% |
| Sharpe Ratio | 0.35 | 0.57 | 0.57 | 2.54 | 0.23 | -0.18 | -0.25 |
| Correlation With Other Assets | 84.7% | 75.2% | -2.6% | 30.3% | 62.9% | 28.1% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Comparison of HBAN With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| HBAN | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 12.6% | 16.5% | 15.0% | 18.9% | 11.8% | 5.1% | 35.8% |
| Annualized Volatility | 31.9% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.9% |
| Sharpe Ratio | 0.43 | 0.73 | 0.71 | 0.98 | 0.51 | 0.18 | 0.63 |
| Correlation With Other Assets | 81.1% | 58.1% | -3.6% | 17.7% | 46.9% | 21.2% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Comparison of HBAN With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| HBAN | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 9.6% | 13.4% | 14.9% | 14.9% | 6.7% | 5.5% | 69.9% |
| Annualized Volatility | 34.5% | 22.3% | 18.0% | 14.8% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.36 | 0.55 | 0.71 | 0.84 | 0.30 | 0.23 | 0.90 |
| Correlation With Other Assets | 83.1% | 61.6% | -13.8% | 24.3% | 49.5% | 12.5% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/17/2025 | 0.8% | 3.2% | 2.3% |
| 7/14/2025 | -1.8% | -3.9% | -7.9% |
| 4/17/2025 | 3.0% | 9.6% | 21.9% |
| 1/17/2025 | 1.0% | 2.1% | 0.3% |
| 10/17/2024 | -2.6% | -1.9% | 10.7% |
| 7/19/2024 | 3.9% | 5.3% | -2.8% |
| 1/19/2024 | 3.9% | 5.7% | 5.1% |
| 10/20/2023 | -3.9% | -3.2% | 10.5% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 14 | 15 |
| # Negative | 13 | 10 | 9 |
| Median Positive | 3.0% | 2.8% | 9.8% |
| Median Negative | -1.8% | -4.6% | -5.6% |
| Max Positive | 9.5% | 19.9% | 23.3% |
| Max Negative | -9.0% | -9.7% | -13.6% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 10282025 | 10-Q 9/30/2025 |
| 6302025 | 7292025 | 10-Q 6/30/2025 |
| 3312025 | 4292025 | 10-Q 3/31/2025 |
| 12312024 | 2142025 | 10-K 12/31/2024 |
| 9302024 | 10292024 | 10-Q 9/30/2024 |
| 6302024 | 7302024 | 10-Q 6/30/2024 |
| 3312024 | 4302024 | 10-Q 3/31/2024 |
| 12312023 | 2162024 | 10-K 12/31/2023 |
| 9302023 | 10272023 | 10-Q 9/30/2023 |
| 6302023 | 7282023 | 10-Q 6/30/2023 |
| 3312023 | 4282023 | 10-Q 3/31/2023 |
| 12312022 | 2172023 | 10-K 12/31/2022 |
| 9302022 | 10282022 | 10-Q 9/30/2022 |
| 6302022 | 7292022 | 10-Q 6/30/2022 |
| 3312022 | 4292022 | 10-Q 3/31/2022 |
| 12312021 | 2182022 | 10-K 12/31/2021 |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
Prefer one of these to Trefis? Tell us why.