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Huntington Bancshares Incorporated

Huntington Bancshares Incorporated

NASDAQ•HBAN
CEO: Mr. Stephen D. Steinour
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1980-03-17
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 offers financial products and services to consumer and business customers, including deposits, lending, payments, mortgage banking, dealer financing, investment management, trust, brokerage, insurance, and other financial products and services. It also provides 24-hour grace, asterisk-free checking, money scout, $50 safety zone, standby cash, early pay, instant access, savings goal getter, and Huntington heads up; digitally powered consumer and business financial solutions to consumer lending, regional banking, branch banking, and wealth management customers; direct and indirect consumer loans, as well as dealer finance loans and deposits; and private banking, wealth management and legacy planning through investment and portfolio management, fiduciary administration and trust, institutional custody, and full-service retail brokerage investment services. The company offers equipment financing, asset-based lending, distribution finance, structured lending, and municipal financing solutions, as well as Huntington ChoicePay. In addition, it offers lending, liquidity, treasury management and other payment services, and capital markets; government and non-profits, healthcare, technology and telecommunications, franchises, financial sponsors, and global services; and corporate risk management, institutional sales and trading, debt and equity issuance, and additional advisory services. The company offers its products through a network of channels, including branches and ATMs, online and mobile banking, and through customer call centers to customers in middle market banking, corporate, specialty, and government banking, asset finance, commercial real estate banking, and capital markets. The company was founded in 1866 and is headquartered in Columbus, Ohio.
Contact Information
Huntington Center, 41 South High Street, Columbus, OH, 43287, United States
614-480-2265
www.huntington.com
Market Cap
$27.32B
P/E (TTM)
12.1
15.5
Dividend Yield
3.6%
52W High
$18.91
52W Low
$11.92
52W Range
78%
Rank42Top 47.5%
3.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$3.24B+5.64%
4-Quarter Trend

EPS

$0.31-8.82%
4-Quarter Trend

FCF

$0.00+0.00%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Quarterly Earnings Growth Net income reached $629M, a 22% increase year-over-year; diluted EPS grew 24% to $0.41 per share for the quarter.
Net Interest Income Expansion NII increased 11% to $1.51B, driven by a 15 basis point rise in FTE NIM to 3.13% on increased earning assets.
Loan Portfolio Expansion Total loans and leases grew $7.9B (6%) since year-end 2024, reaching $138.0B, supported by strong commercial loan growth.
Completed Veritex Acquisition Successfully closed the Veritex Holdings acquisition for $1.7B consideration, immediately adding $12.8B in assets to the combined entity.

Risk Factors

Pending Cadence Integration Risk Significant integration risk remains for the pending $7.4B Cadence merger, expected to close in Q1 2026, subject to regulatory approvals.
Macroeconomic Uncertainty Impact Elevated economic uncertainty, including tariff impacts and inflation, could negatively affect ACL assumptions and future credit performance.
Office CRE Portfolio Concerns The office Commercial Real Estate portfolio faces uncertainty regarding property values, with $15M past due as of September 30, 2025.
Interest Rate Sensitivity Exposure Balance sheet remains asset-sensitive; NII at Risk shows potential earnings impact under adverse rate scenarios (-1.8% at -200 bps ramp).

Outlook

Strategic Growth Focus Management aims for top-quartile performance through sustainable growth, leveraging the regional model and expanding digital customer acquisition efforts.
Capital Ratios Remain Strong Consolidated CET1 ratio improved to 10.6% (vs 10.5% Y/E 2024), supporting organic growth and disciplined capital management objectives.
Deposit Base Stability Focus Focus remains on acquiring and deepening primary customer relationships to maintain stable, low-cost funding sources for asset growth.
Managing Credit Quality Maintain moderate-to-low risk appetite while monitoring C&I and office CRE risk profiles for potential default rate increases.

Peer Comparison

Revenue (TTM)

U.S. BancorpUSB
$42.86B
+0.3%
Truist Financial CorporationTFC
$30.44B
+25.5%
Shinhan Financial Group Co., Ltd.SHG
$21.65B
+2.6%

Gross Margin (Latest Quarter)

Shinhan Financial Group Co., Ltd.SHG
100.0%
+56.1pp
Citizens Financial Group, Inc.CFG
100.0%
+40.1pp
Regions Financial CorporationRF
79.8%
+8.8pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
USB$86.22B11.412.1%11.3%
TFC$63.41B11.88.2%12.7%
SHG$28.05B8.68.5%16.6%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.8%
Moderate Growth
4Q Net Income CAGR
-0.5%
Stable Profitability
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Next earnings:Apr 16, 2026
|
EPS:$0.37
|
Revenue:-
Reports
All Years
  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Oct 28, 2025|
    Revenue: $3.23B+4.9%
    |
    EPS: $0.41+24.2%
    Beat
  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Jul 29, 2025|
    Revenue: $3.03B+2.0%
    |
    EPS: $0.35+16.7%
    Beat
  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: Apr 29, 2025|
    Revenue: $2.98B+4.8%
    |
    EPS: $0.34+30.8%
    Beat
  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 14, 2025|
    Revenue: $11.96B+11.0%
    |
    EPS: $1.24-1.6%
    Beat
  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Oct 29, 2024|
    Revenue: $3.08B+9.1%
    |
    EPS: $0.33-5.7%
    Beat
  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Jul 30, 2024|
    Revenue: $2.97B+9.1%
    |
    EPS: $0.30-16.7%
    Beat
  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: Apr 30, 2024|
    Revenue: $2.85B+12.1%
    |
    EPS: $0.26-35.0%
    Beat
  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 16, 2024|
    Revenue: $10.78B+35.6%
    |
    EPS: $1.26-14.3%
    Beat