Huntington Bancshares Incorporated (HBAN) AI Stock Analysis

Huntington Bancshares Incorporated operates as the bank holding company for The Huntington National Bank, which was established in 1866 and is headquartered in Columbus, Ohio. The company provides commercial, consumer, and mortgage banking services across four primary segments: Consumer and Business Banking, Commercial Banking, Vehicle Finance, and Regional Banking and The Huntington Private Client Group (RBHPCG). Its offerings include deposit accounts, loans, credit cards, digital banking, institutional banking, treasury management, capital raising, insurance, foreign exchange, and financing for automobiles, light trucks, recreational vehicles, and marine craft.

Between FY2021 and FY2025, annual revenue expanded from $6.08B to $12.48B, representing a 5-year CAGR of 19.0%. Net income reached $2.21B in FY2025 with an EPS of $1.46, up from $1.29B and $1.01 in FY2021. For the trailing twelve months ending June 30, 2026, revenue stood at $9.18B, while operating margin and profit margin were 41.9% and 26.1%, respectively. In the quarter ending June 30, 2026, quarterly revenue grew 47.6% year-over-year, while quarterly earnings declined 2.9%.

As of June 30, 2026, Huntington Bancshares held $38.54B in cash and short-term investments against total debt of $21.85B, resulting in net cash of $16.69B. Shareholders' equity was $32.62B out of $283.98B in total assets, with a debt-to-equity ratio of 0.67 and a current ratio of 12.39. During FY2025, the company generated $2.54B in operating cash flow and $2.28B in free cash flow, deploying $267.0M toward capital expenditures and $1.02B toward dividends. Its share count increased 34.3% over five years.

HBAN trades at a trailing P/E of 11.7x and a forward P/E of 8.6x, both lower than the median of its S&P 500 Financial Services peers at 14.2x and 12.6x, respectively. Its price-to-sales ratio of 3.4x sits slightly above the peer median of 3.1x, while its price-to-book ratio is 1.0x. Over the past year, the stock returned 3.2%, underperforming the SPY return of 16.8%. Over five years, HBAN gained 18.1% compared to an 83.0% return for the benchmark.

Huntington Bancshares pays a quarterly dividend totaling $0.62 per share annually, representing a forward dividend yield of 4.06% and a payout ratio of 40.5%. The company has paid dividends for 43 consecutive years, with a 5-year annualized dividend growth rate of 0.7%. The last ex-dividend date occurred on September 17, 2026.

Wall Street coverage includes 12 Strong Buy, 3 Buy, and 6 Hold ratings, with no Sell recommendations. The mean price target is $19.16, representing a 25.5% premium to the last closing price of $15.27. Consensus estimates forecast FY2026 EPS of $1.54 on revenue of $11.15B, followed by FY2027 EPS of $1.76 on revenue of $11.93B. Over the last four quarters, Huntington beat EPS estimates 2 times. The next earnings date is October 22, 2026.

This page is an AI-written research summary of Huntington Bancshares Incorporated (HBAN). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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