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
Market Cap
$22.60B
P/E (TTM)
10.7
14.2
Dividend Yield
4.1%
52W High
$19.46
52W Low
$11.92
52W Range
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
$3.25B+5.80%
4-Quarter Trend
EPS
$0.31-8.82%
4-Quarter Trend
FCF
$711.00M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Net Income Rises 14% Net income reached $2.21B, up 14% year-over-year. Diluted EPS improved to $1.39, reflecting strong operational results.
NII Growth and NIM Expansion Net Interest Income grew 12% to $5.99B. FTE NIM expanded 13 basis points to 3.13% due to asset growth.
Credit Quality Improves Net Charge-Offs decreased to 0.23% of average loans, down from 0.30% last year, showing improved credit performance.
Strategic Acquisitions Completed Completed Veritex acquisition ($1.7B value) in October 2025; Cadence merger closed February 2026, significantly increasing scale.
Risk Factors
Economic Weakness Pressures Credit Continued economic uncertainty and inflation pressure loan quality; ACL increased to $2.743 B to cover lifetime expected losses.
Regulatory Transition Post-Merger Cadence acquisition expected to push assets over $250B, subjecting the firm to Category III enhanced prudential standards.
Interest Rate Sensitivity Exposure Balance sheet remains asset-sensitive, but falling rate environment compressed NIM slightly, impacting NII drivers.
Cybersecurity and Operational Risks Significant operational risks remain from cyber-attacks, data breaches, and reliance on complex third-party infrastructure.
Outlook
Post-Merger Integration Focus Focus shifts to successfully integrating Cadence operations, managing expanded scale, and realizing anticipated merger synergies.
Capital Buffers Under New Rules Must maintain capital ratios above well-capitalized standards while adapting to potential Basel III Endgame rule changes.
Credit Environment Uncertainty ACL modeling relies on uncertain macroeconomic forecasts, including unemployment peaking near 4.8% in late 2026.
Leveraging Expanded Fee Income Expect continued growth in fee services, driven by expanded Wealth Management and Payments capabilities across segments.
Peer Comparison
Revenue (TTM)
$42.86B
$30.44B
$21.80B
Gross Margin (Latest Quarter)
100.0%
79.8%
68.5%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| USB | $79.49B | 10.5 | 12.1% | 11.3% |
| TFC | $55.61B | 10.6 | 8.2% | 12.7% |
| SHG | $28.87B | 9.3 | 8.7% | 19.6% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.9%
Moderate Growth
4Q Net Income CAGR
-0.5%
Stable Profitability
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Apr 16, 2026
EPS:$0.36
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data