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Huntington Bancshares Incorporated

HBAN Financial Banks Regional

Huntington Bancshares Incorporated’s revenue for fiscal 2025 (year ended December 2025) was $12.5 billion, up 4.38% from fiscal 2024.

Revenue
+27.4%
EPS
−17.1%
Free cash flow
+53.1%
Total debt
+0.15%

Quarter to September 2026, against a year earlier

15.66 0.40 −2.49%
Market cap
$31.5B
P/E
12.5×
Fwd P/E
12.1×
Dividend yield
3.96%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Segments Valuation Filings

Insider Decisions last twelve months

Bought, $m 2.11
Sold, $m 7.00
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 2 3 1 — 1 — — — 2 —
Sell 2 1 2 2 — — 3 — 1 — — 1
Insider Ownership 0.96%

Capital & Financial Ratios $m

Size
Market Cap 31,460.00
Revenue ttm 15,293.00
Net income ttm 2,505.00
Free cash flow ttm 2,920.00
Net debt Q (400.00)
Valuation
P/E 12.53
Forward P/E 12.10
Price / sales 2.07
Forward P/S Powerpack
Price / FCF 10.83
Price / book 1.08
Financial health
Current ratio Q 0.91
Debt / equity Q 0.54
Interest coverage Q —
Growth
Revenue growth Q +27.35% (above 0%: growing)
Operating income growth Q +16.97% (above 0%: growing)
EPS, this year −5.45% (below 0%: weak)
EPS, next year A +32.60% (at or above 15%: strong)
Revenue, next year A −10.92% (below 0%: weak)
EPS, past 5 yrs +15.04% (at or above 15%: strong)
EPS, next 5 yrs A +12.15%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 62.63%
10-year low 10-year high
P/S against its own 10 years 30.95%
10-year low 10-year high
P/B against its own 10 years 21.71%
10-year low 10-year high

Dividends

Yield
3.96%
Annual rate
0.62
Payout ratio
51.2%
Growth, 2017–25
+7.41%/yr
  1. 0.35 ’17
  2. 0.50 ’18 +43
  3. 0.58 ’19 +16
  4. 0.60 ’20 +3
  5. 0.61 ’21 +1
  6. 0.62 ’22 +2
  7. 0.62 ’23 +0
  8. 0.62 ’24 +0
  9. 0.62 ’25 +0
  10. 0.63 ’26e +1
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 10,448 13,385 14,141 17,741
Receivables — — — —
Inventory — — — —
Other — — — —
132,337 144,027 165,282 210,790
2023 2024 2025 Q'26
Payables 151,230 162,448 176,610 224,678
ST’ Debt — — — —
Other — — — —
151,850 162,647 177,871 230,744

Compound Annual Growth %

10y 5y 3y
Sales 14.75% 18.97% 16.24%
Cash Flow 9.16% 13.41% (14.90%)
Earnings 12.18% 23.82% (0.60%)
Book Value 13.97% 13.41% 11.12%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.38 Actual 0.38

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.39 0.37 Miss by 0.02
Q1 FY26 0.36 0.37 Beat by 0.01
Q2 FY26 0.39 0.39 Met by 0.00
Q3 FY26 0.38 0.38 Met by 0.00
Q4 FY26 0.43 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.25 0.33 0.33 — —
’25 0.34 0.34 0.41 0.30 1.39
’24 0.26 0.30 0.33 0.34 1.22
’23 0.39 0.35 0.35 0.15 1.24
’22 0.29 0.35 0.39 0.42 1.45
’21 0.48 0.40 0.22 0.26 0.90
’20 0.03 0.13 0.27 0.27 0.69
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 3,768 4,167 4,111 — —
’25 2,983 3,027 3,228 3,247 12,485
’24 2,847 2,967 3,078 3,069 11,961
’23 2,540 2,720 2,822 2,755 10,837
’22 1,694 1,816 2,087 2,353 7,950
’21 1,264 1,379 1,740 1,697 6,080
’20 1,336 1,293 1,322 1,287 5,238
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 524 1,123 773 — —
’25 513 554 487 928 2,482
’24 482 297 (58) 1,115 1,836
’23 130 630 999 898 2,657
’22 849 975 846 1,357 4,027
’21 (111) 1,099 577 497 2,062
’20 498 212 549 64 1,323
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 400 1,027 683 — —
’25 459 500 446 810 2,215
’24 450 255 (100) 1,088 1,693
’23 105 598 976 838 2,517
’22 776 925 804 1,308 3,813
’21 (133) 1,022 519 407 1,815
’20 487 174 516 27 1,204
Fiscal quarters ending in the months shown.

Valuation

The price implies the dividend a share growing 9.4% a year for ten years. It grew 9.8% a year over the last ten.

Implied
9.4%
10 years, reported
9.8%
Open the model

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 3,782 4,740 5,270 5,655 5,238 6,080 7,950 10,837 11,961 12,485 15,293 +14.2% 11,122 11,884 12,659 +0.5%
Gross margin, % 93.05 90.91 85.58 82.53 91.92 98.54 91.25 67.92 61.74 65.41 67.84 (27.6) pt
EBT 920 1,394 1,628 1,659 972 1,591 2,764 2,384 2,403 2,688 3,064 +12.7%
EBT margin, % 24.33 29.41 30.89 29.34 18.56 26.17 34.77 22.00 20.09 21.53 20.04 (2.8) pt
Net income 712 1,186 1,393 1,411 817 1,297 2,249 1,971 1,960 2,229 2,505 +13.5%
Per share, $
Per share, $ Revenue 4.18 4.37 4.87 5.44 5.15 4.82 5.52 7.49 8.24 8.44 7.57 +8.1%
Earnings 0.69 1.02 1.22 1.29 0.71 0.91 1.47 1.26 1.24 1.41 1.25 +8.3%
Cash flow 1.34 1.80 1.60 1.52 1.30 1.63 2.79 1.84 1.27 1.68 1.66 +2.5%
Capex (0.13) (0.18) (0.10) (0.10) (0.12) (0.20) (0.15) (0.10) (0.10) (0.18) (0.21) +3.5%
Free cash flow 1.21 1.62 1.49 1.41 1.18 1.44 2.65 1.74 1.17 1.50 1.45 +2.4%
Book value 11.40 9.97 10.27 11.35 12.77 15.30 12.33 13.41 13.63 16.48 15.95 +4.2%
Shares, m 904 1,085 1,082 1,039 1,017 1,262 1,441 1,446 1,451 1,479 1,847 +5.6%
Valuation, ×
Valuation, × P/E 19.30 14.31 9.77 11.78 17.79 11.09 9.59 10.21 13.23 12.31 12.53 12.9
P/S 3.19 3.34 2.45 2.77 2.45 3.20 2.56 1.72 1.97 2.06 2.07 2.6
P/B 1.30 1.63 1.30 1.48 1.19 1.14 1.30 1.09 1.33 1.19 1.08 1.3
EV/Sales 4.97 4.93 3.55 4.27 2.75 3.39 2.90 1.90 2.22 2.30 — 3.3
EV/FCF 17.15 13.29 11.56 16.46 11.98 11.36 6.05 8.16 15.71 12.98 — 12.5
Cash, $m
Cash, $m Operating cash flow 1,215 1,954 1,726 1,574 1,323 2,062 4,027 2,657 1,836 2,482 3,348 +8.3%
Capex (120) (194) (110) (107) (119) (247) (214) (140) (143) (267) (428) +9.3%
Free cash flow 1,095 1,760 1,616 1,467 1,204 1,815 3,813 2,517 1,693 2,215 2,920 +8.1%
Balance, $m
Balance, $m Working capital (10,622) (12,598) (9,029) (8,084) (11,288) (25,405) (23,500) (19,513) (18,620) (12,589) (19,954) +1.9%
Net debt 6,733 7,553 5,795 8,478 1,578 1,148 2,749 1,946 2,989 3,080 (400) (8.3%)
Shareholders’ equity 10,308 10,814 11,102 11,795 12,993 19,318 17,769 19,398 19,782 24,379 32,217 +10.0%
Returns, %
Returns, % ROA 0.76 1.09 1.24 1.23 0.62 0.78 1.19 0.98 0.92 0.97 0.93 +0.2 pt
ROIC 3.37 4.74 6.02 5.11 4.17 4.86 8.42 6.98 6.60 6.12 6.02 +2.7 pt
ROE 8.38 11.70 13.47 13.05 6.70 8.25 12.98 11.15 10.35 10.58 9.51 +2.2 pt
People
People Employees 15,993 15,770 15,693 15,664 15,578 18,442 19,920 19,955 19,932 20,424 — +2.8%
Revenue/emp, $m 0.24 0.30 0.34 0.36 0.34 0.33 0.40 0.54 0.60 0.61 — +11.1%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Business profile

Updated

Huntington Bancshares is a multi-state diversified regional bank holding company headquartered in Columbus, Ohio. Through Huntington National Bank and subsidiaries, it provides deposit accounts, loans and other financial services to consumers, small and mid-sized businesses, larger companies, government entities and institutional clients.

Its Consumer & Regional Banking business offers everyday banking, payments, mortgages, home-equity lending, auto and other consumer finance, dealer finance, wealth management, trust, brokerage and insurance. Customers can use branches, ATMs, online and mobile banking, call centers and national partnerships. Its commercial business provides lending, liquidity, treasury management, payments, capital-markets, equipment-finance and advisory services.

Huntington Bancshares Incorporated vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
KB KB Financial Group Inc $39.5B 9.7× — +25.89% (above 0%: growing) +12.12% (above 0%: growing) +482.05% (above 0%: growing) 61.64% 0.00% Compare
ITUB Itau Unibanco Holding S.A. $39.4B 9.3× — +9.19% (above 0%: growing) +25.86% (above 0%: growing) +584.73% (above 0%: growing) 46.42% 0.00% Compare
MTB M&T Bank Corporation $31.7B 11.4× 11.3× −0.64% (below 0%: shrinking) +4.74% (above 0%: growing) +52.44% (above 0%: growing) 74.37% 0.00% Compare
HBAN Huntington Bancshares Incorporated $31.5B 12.5× 12.1× +27.35% (above 0%: growing) −17.07% (below 0%: shrinking) +53.14% (above 0%: growing) 67.89% 0.00%
SHG Shinhan Financial Group Co Ltd $29.2B 8.5× 7.3× +27.14% (above 0%: growing) +10.37% (above 0%: growing) +120.93% (above 0%: growing) 63.24% 0.00% Compare
BBDO Banco Bradesco SA $28.5B 5.2× — +16.65% (above 0%: growing) +44.44% (above 0%: growing) +1,455.10% (above 0%: growing) 34.57% 0.00% Compare
BAP Credicorp Ltd. $27.6B 12.9× 11.7× +12.23% (above 0%: growing) +16.83% (above 0%: growing) +76.09% (above 0%: growing) 82.34% 0.00% Compare
CFG Citizens Financial Group, Inc. $26.8B 12.8× 12.0× +5.83% (above 0%: growing) +33.96% (above 0%: growing) −75.86% (below 0%: shrinking) 71.05% 0.00% Compare
FCNCA First Citizens BancShares, Inc. $25.5B 12.3× 11.9× +0.11% (above 0%: growing) +31.07% (above 0%: growing) +28.65% (above 0%: growing) 67.05% 0.00% Compare
Median of peers $28.9B 10.5× 11.7× +10.71% +21.35% +98.51% 65.15% 0.00%

All 327 Banks Regional stocks →

From the latest earnings call

Updated

  • CEO Stephen Steinour said Huntington scaled back some lending where pricing did not meet its return requirements, while commercial lending drove quarterly loan growth.
  • CFO Zachary Wasserman said Cadence expense-synergy actions were completed in the third quarter, with their full run-rate benefit beginning in the fourth quarter.

Largest institutional holders 13F, quarter to 30 June 2026

Held by institutions 86.51%
Held by the ten largest 48.94%
Holder Shares Stake Change
Vanguard 248.28m 12.25% +1.43m
BlackRock 176.79m 8.72% +938.25k
Wellington Management 122.30m 6.03% −7.09m
State Street 97.05m 4.79% +2.70m
T. Rowe Price 73.46m 3.62% +8.66m
Invesco 71.30m 3.52% +4.02m
Geode Capital Management 58.45m 2.88% +1.74m
Boston Partners 52.84m 2.61% +2.69m
Fidelity (FMR) 50.63m 2.50% +4.62m
Morgan Stanley 41.09m 2.03% +6.57m
13F filings for the quarter to 30 June 2026: long positions in US-listed shares reported by managers with $100m or more, ~45 days after the quarter.

Pay and ownership Proxy statement filed 12 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 12.12m 18.34m 172.00
2024 10.03m 19.79m 155.00
2023 10.18m 6.35m 116.00
2022 10.48m 9.86m 122.00
2021 9.62m 21.56m 127.00

Ownership

Directors and executive officers, together less than 1%
The Vanguard Group, Inc. 8.43%
BlackRock, Inc. 7.79%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Huntington Bancshares Incorporated (HBAN) Latest News

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HBAN metrics, ten years each

stockrow.com/HBAN · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com