HBAN
NASDAQ · USDHuntington Bancshares Incorporated
Financial Services · Banks - Regional
CEO Stephen D. Steinour
Employees 20,424
R&D / revenue 0.0%
Last price
$15.27−0.52%last session
Market cap
$30.9B
P/E (TTM)
11.2x
From 52w high
−21.5%
From 52w low
+3.0%
1-year return
+0.2%
RSI 14 · vs SMA200
40.5 · −9.0%
IS score
58.9/ 100
Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.
Download full factsheet (PDF)
One year, rebased to 100
HBAN SPY XLF (sector ETF) · weekly closesScore DNA
Each bar is a 0-100 score within the scored universe54Profitability
63Growth
88Value
89Momentum
50Risk (safety)
77Quality
53Balance sheet
99Earnings quality
Flags
Strengths
✓ Net cash✓ Insider buying✓ Congress buying
Warnings
▲ Share count rising
Observations
Moat model: Weak, Efficient ScalePiotroski 7 / 9Beta 0.944 of 4 smart-money sources active
Smart-money strip
Each disclosure source on its own window. Filings coinciding is not coordination.INSForm 4 · 180 days
Insider open-market buys
7
$0.62M bought
No Form 144 notices in 12 months
CONGSTOCK Act · 180 days
Congressional purchases
1
Last disclosed purchase 2026-05-01
Members disclose in ranges, 30-45 days after the trade
13F13F · quarter to 2026-06-30
Net change in institutional holders
+4
119 new holders, 104 closed
1,156 filers hold 90.8% · 460 added, 385 trimmed
ETFETF holdings · 30 days
Net funds accumulating
+156
1,104 funds adding shares
948 funds trimming · counts of funds, not dollars
DARKFINRA · daily
Short-sale share of off-exchange volume
42.5%
20-day avg 43.8%, 50-day avg 48.1%
Latest 1.3 pp under its 20-day average · a flow, not short interest
Key financials · FY2025
USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.Income statement
Revenue$12.5B
Revenue growth YoY+4.4%
Gross margin61.7%
Operating income$2.7B
Operating margin21.5%
Net income$2.2B
Net margin17.7%
EPS (diluted)$1.39
Cash flow
Operating cash flow$2.5B
Capital expenditure$267.0M
Free cash flow$2.3B
FCF conversion (FCF / OCF)89.5%
Stock-based compensation$113.0M
FCF less SBC$2.2B
Buybacks$0
Dividends$1.0B
Balance sheet & returns
Cash & short-term investments$27.9B
Total debt$18.5B
Net cash$9.4B
Shareholders' equity$24.4B
Goodwill & intangibles$6.7B
Debt / equity0.67
ROE (TTM)8.6%
ROIC (TTM)4.6%
Operating margin by fiscal year
Revenue $6.1B (FY2021) to $12.5B (FY2025), a 19.7% CAGR.
Valuation
P/E (TTM)11.2x
EV / EBITDA13.4x
Price / sales2.14x
Price / FCF10.4x
FCF yield9.58%
Buyback yield0.00%
SBC / revenue0.9%
Price / book0.91x
Forward P/E FY202611.4x
Forward P/E FY20278.7x
Forward P/E FY20287.8x
Forward multiples divide today's price by Street EPS estimates. Street mean target $19.80 across 10 analysts last quarter is theirs, not ours.
HBAN vs industry median
909 companies in Banks - Regional
HBAN (TTM)Industry median
Asset turnover 0.05 vs industry 0.05 · financial leverage 8.70
Earnings delivery
Next report 2026-10-22 · consensus EPS $0.3583%
beat rate, 10 of 12 quarters
+7.7%
median EPS surprise
9
longest beat streak
EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2023-10-20 to 2026-07-23. Bars cap at ±60%.
Peers
Market-cap band, not the industry cohort above| Company | Mkt cap | P/E | ROE | Net margin | Rev growth | 12m return |
|---|---|---|---|---|---|---|
| HBAN Huntington Bancshares Incorp | $30.9B | 11.2x | 8.6% | 16.6% | +4.4% | +0.2% |
| MTB M&T Bank Corporation | $31.1B | 11.2x | 10.7% | 24.3% | −5.8% | +21.4% |
| CFG Citizens Financial Group, In | $26.7B | 12.7x | 8.3% | 18.4% | −4.5% | +32.1% |
| FCNCA First Citizens BancShares, I | $24.0B | 11.4x | 10.7% | 18.6% | −1.3% | +29.7% |
| RF Regions Financial Corporatio | $23.4B | 10.6x | 11.9% | 24.0% | +0.5% | +18.7% |
| KEY KeyCorp | $21.6B | 11.6x | 10.3% | 24.7% | +13.5% | — |
| FITB Fifth Third Bancorp | $45.7B | 17.0x | 8.4% | 18.1% | +15.9% | — |
| EWBC East West Bancorp, Inc. | $17.4B | 12.1x | 16.6% | 30.9% | +4.7% | — |
12-month window: SPY +15.9%, sector ETF XLF +7.2%. Past returns describe history only.
Recent 8-K filings
No 8-K filings on file.
Context
Shares outstanding2,020,414,897
Free float99.3%
Institutional ownership90.8%
Beta0.94
Dividend yield4.06%
Last dividend$0.15 on 2026-09-17
50 / 200-day average$16.39 / $16.81
Large-cap Financial Services median P/E14.0x
Full factsheet
The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (Weak).
Read it in the browser Download (PDF)All fundamentals · 140 measures in 13 categories
Percentile = where HBAN sits among 257 scored companies in Banks - Regional (0 = lowest value, 100 = highest). It is a position, not a grade. Balance-sheet ratios built for operating companies are n/a for lenders and insurers.ValuationProfitability (TTM)Returns on capitalGrowthMargin history & stabilityLiquidity (latest quarter)Leverage & solvency (latest quarter)EfficiencyCash flow & earnings qualityDividends & buybacksScores & forensic checksPer shareSize (TTM)
Valuation
| Measure | HBAN | Industry percentile |
|---|---|---|
| P/E (TTM) | 12.9x | 65th |
| PEG (P/E ÷ 3-yr EPS CAGR) | — | |
| Price / sales | 2.1x | 23rd |
| Price / book | 0.9x | 18th |
| Price / tangible book | 1.6x | 65th |
| Price / free cash flow | n/a | |
| Price / operating cash flow | n/a | |
| Enterprise value | n/a | |
| EV / sales | n/a | |
| EV / EBITDA | n/a | |
| EV / EBIT | n/a | |
| EV / free cash flow | n/a | |
| Earnings yield | 7.8% | 36th |
| FCF yield | n/a | |
| Operating cash flow yield | n/a | |
| Graham number (per share) | $21.24 | 7th |
Profitability (TTM)
| Measure | HBAN | Industry percentile |
|---|---|---|
| Gross margin | n/a | |
| EBITDA margin | n/a | |
| Operating margin | 20.4% | 29th |
| EBIT margin | 20.4% | 28th |
| Net margin | 16.6% | 16th |
| NOPAT margin | 16.8% | 30th |
| FCF margin | n/a | |
| Operating cash flow margin | n/a | |
| R&D / revenue | 0.0% | 0th |
| SG&A / revenue | 25.7% | 41st |
| Stock comp / revenue | 0.9% | 54th |
| Effective tax rate | 17.7% | 15th |
Returns on capital
| Measure | HBAN | Industry percentile |
|---|---|---|
| ROE (on average equity) | 9.0% | 23rd |
| ROA | 1.0% | 20th |
| ROIC | n/a | |
| ROCE | n/a | |
| Return on tangible assets | 1.2% | 30th |
| Cash ROIC (OCF / invested capital) | n/a | |
| Gross profitability (GP / assets) | n/a | |
| ROIC, 3-yr average | n/a | |
| ROIC, 5-yr average | n/a | |
| ROE, 5-yr average | 9.7% | 40th |
| Incremental ROIC | n/a |
Growth
| Measure | HBAN | Industry percentile |
|---|---|---|
| Revenue growth (TTM YoY) | 18.5% | 81st |
| Revenue growth (QoQ) | 10.6% | 80th |
| Revenue CAGR, 3 yr | 14.1% | 67th |
| Revenue CAGR, 5 yr | 22.3% | 86th |
| Gross profit CAGR, 3 yr | n/a | |
| Operating income CAGR, 3 yr | -0.6% | 36th |
| Net income growth (TTM YoY) | 13.6% | 29th |
| Net income CAGR, 3 yr | -0.0% | 23rd |
| EPS growth (TTM YoY) | -14.8% | 6th |
| EPS CAGR, 3 yr | -9.5% | 10th |
| EPS CAGR, 5 yr | 3.8% | 44th |
| FCF growth (TTM YoY) | n/a | |
| FCF CAGR, 3 yr | n/a | |
| Operating cash flow CAGR, 3 yr | n/a | |
| Book value CAGR, 3 yr | 8.8% | 47th |
| Dividend CAGR, 3 yr | -5.9% | 8th |
| Sustainable growth rate | 4.6% | 14th |
Margin history & stability
| Measure | HBAN | Industry percentile |
|---|---|---|
| Gross margin, 3-yr average | n/a | |
| Operating margin, 3-yr average | 19.9% | 33rd |
| Net margin, 3-yr average | 16.3% | 29th |
| FCF margin, 3-yr average | n/a | |
| Revenue stability (0-1) | 0.98 | 91st |
| Earnings stability (0-1) | 0.52 | 63rd |
| Margin stability (0-1) | 0.81 | 48th |
Liquidity (latest quarter)
| Measure | HBAN | Industry percentile |
|---|---|---|
| Cash & short-term investments | n/a | |
| Net cash (− = net debt) | n/a | |
| Working capital | n/a | |
| Current ratio | n/a | |
| Quick ratio | n/a | |
| Cash ratio (cash + ST investments / current liabilities) | n/a | |
| Defensive interval (days) | n/a |
Leverage & solvency (latest quarter)
| Measure | HBAN | Industry percentile |
|---|---|---|
| Total debt | n/a | |
| Debt / equity | n/a | |
| Net debt / equity | n/a | |
| Debt / assets | n/a | |
| Debt / capital | n/a | |
| Debt / EBITDA | n/a | |
| Net debt / EBITDA | n/a | |
| Interest coverage (EBIT / interest) | n/a | |
| Cash interest coverage | n/a | |
| Debt payback (years of OCF) | n/a | |
| Liabilities / assets | 88.5% | 47th |
| IS credit model rating | A- | |
| Implied credit spread (bps) | 175 | 51st |
Efficiency
| Measure | HBAN | Industry percentile |
|---|---|---|
| Asset turnover | n/a | |
| Fixed asset turnover | n/a | |
| Inventory turnover | n/a | |
| Receivables turnover | n/a | |
| Days sales outstanding | n/a | |
| Days inventory outstanding | n/a | |
| Days payables outstanding | n/a | |
| Cash conversion cycle (days) | n/a | |
| Capex / revenue | n/a | |
| Capex / depreciation | n/a | |
| Operating expense ratio | n/a |
Cash flow & earnings quality
| Measure | HBAN | Industry percentile |
|---|---|---|
| Operating cash flow / net income | n/a | |
| FCF / net income | n/a | |
| FCF / operating cash flow | n/a | |
| Capex / operating cash flow | n/a | |
| Accruals ratio | n/a | |
| Sloan accruals ratio | n/a | |
| Earnings quality score (0-1) | n/a |
Scores & forensic checks
| Measure | HBAN | Industry percentile |
|---|---|---|
| IS score | 59 | 70th |
| IS profitability | 54 | 30th |
| IS growth | 63 | 72nd |
| IS value | 88 | 84th |
| IS momentum | 89 | 82nd |
| IS risk (safety) | 50 | 5th |
| IS quality | 77 | 57th |
| IS balance sheet | 53 | 68th |
| IS earnings quality | 99 | 95th |
| IS cash flow | 74 | 51st |
| Piotroski F-score (0-9) | 7 | 54th |
| Altman Z-score | — | |
| Beneish M-score | — | |
| Ohlson O-score | −6.96 | 1st |
| IS credit score | 66 | 39th |
Size (TTM)
| Measure | HBAN | Industry percentile |
|---|---|---|
| Market cap | $30.9B | 97th |
| Revenue | $14.4B | 95th |
| EBITDA | $3.7B | 97th |
| Net income | $2.4B | 97th |
| Free cash flow | n/a | |
| Total assets | $284.0B | 97th |
| Shareholders' equity | $32.6B | 97th |
| Employees | 25,527 | 99th |
Insider transactions, last 6 months
Form 4 · most recent 12| Date | Insider | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|
| 2026-10-01 | Wasserman Zachary Jacob CFO and Senior Exec. V.P. |
Award / grant | 2,699 | — | — | 395,886 |
| 2026-10-01 | Tate Jeffrey L. Director |
Award / grant | 632 | — | — | 124,093 |
| 2026-10-01 | Tate Jeffrey L. Director |
Award / grant | 54 | — | — | 5,257 |
| 2026-10-01 | Steinour Stephen D Director, Chairman & CEO |
Award / grant | 7,250 | — | — | 1,497,813 |
| 2026-10-01 | Steinour Stephen D Director, Chairman & CEO |
Award / grant | 591 | — | — | 57,580 |
| 2026-10-01 | Standridge Brantley J President |
Award / grant | 2,820 | — | — | 450,494 |
| 2026-10-01 | Sit Roger J Director |
Award / grant | 1,873 | — | — | 209,065 |
| 2026-10-01 | Sit Roger J Director |
Award / grant | 523 | — | — | 50,908 |
| 2026-10-01 | Shea Teresa H Director |
Award / grant | 308 | — | — | 31,539 |
| 2026-10-01 | Shea Teresa H Director |
Award / grant | 123 | — | — | 11,936 |
| 2026-10-01 | Rodriguez Alice L Director |
Award / grant | 96 | — | — | 17,406 |
| 2026-10-01 | Porteous David L Director |
Award / grant | 1,584 | — | — | 696,870 |
Shares acquired vs disposed, by month
acquired disposed · all Form 4 typesBy transaction type, 6 months
| Type | Direction | Filings | Shares | Value |
|---|---|---|---|---|
| Award / grant | Acquired | 104 | 217,034 | — |
| Open-market buy | Acquired | 7 | 33,500 | $617,560 |
| Open-market sale | Disposed | 4 | 262,061 | $4.5M |
| Option exercise | Disposed | 1 | 25,313 | $254,649 |
| Option exercise | Acquired | 1 | 25,313 | $254,649 |
| Tax withholding | Disposed | 3 | 42,312 | $698,728 |
Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.
Form 144 notices
| Filed | Filer | Shares proposed | Est. proceeds |
|---|---|---|---|
| None on file. | |||
A Form 144 is notice of a proposed sale, not a confirmed one.
Congress trades
12 months: House 3 trades (2 purchases) · Senate 3 (0 purchases)| Traded | Member | Chamber | Type | Amount | Disclosed |
|---|---|---|---|---|---|
| 2026-05-01 | Ro Khanna | House | Purchase | $1,001 - $15,000 | 2026-06-11 |
| 2026-04-13 | Ro Khanna | House | Purchase | $1,001 - $15,000 | 2026-05-13 |
| 2026-02-02 | Neal P. Dunn | House | Exchange | $1,001 - $15,000 | 2026-03-18 |
| 2025-11-21 | Tina Smith | Senate | Sale | $100,001 - $250,000 | 2025-11-27 |
| 2025-11-21 | Tina Smith | Senate | Sale (Full) | $100,001 - $250,000 | 2025-11-26 |
| 2025-11-21 | Tina Smith | Senate | Sale (Full) | $100,001 - $250,000 | 2025-11-25 |
| 2025-10-06 | Ro Khanna | House | Purchase | $1,001 - $15,000 | 2025-11-14 |
| 2021-12-07 | Gary Peters | Senate | Purchase | $1,001 - $15,000 | 2022-01-08 |
STOCK Act disclosures, in ranges, filed up to 45 days after the trade.
Largest 13F holders
Quarter to 2026-06-30, the latest most managers have filed| Manager | Shares | Value | % of shares out |
|---|---|---|---|
| BlackRock, Inc. | 176,786,560 | $3.1B | 8.75% |
| VANGUARD CAPITAL MANAGEMENT LLC | 132,307,320 | $2.3B | 6.55% |
| WELLINGTON MANAGEMENT GROUP LLP | 122,300,772 | $2.2B | 6.05% |
| STATE STREET CORP | 97,045,959 | $1.7B | 4.80% |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 94,335,667 | $1.7B | 4.67% |
| PRICE T ROWE ASSOCIATES INC /MD/ | 72,147,488 | $1.3B | 3.57% |
| Invesco Ltd. | 71,295,123 | $1.3B | 3.53% |
| GEODE CAPITAL MANAGEMENT, LLC | 58,450,957 | $1.0B | 2.89% |
| FMR LLC | 50,629,671 | $897.7M | 2.51% |
| MORGAN STANLEY | 38,013,731 | $674.0M | 1.88% |
| DZ BANK AG Deutsche Zentral Genossenschafts Bank, Frankfurt am Main | 31,535,836 | $559.1M | 1.56% |
| NORGES BANK | 30,320,337 | $537.6M | 1.50% |
| VICTORY CAPITAL MANAGEMENT INC | 27,430,517 | $486.3M | 1.36% |
| Capital World Investors | 25,886,318 | $459.0M | 1.28% |
| DIMENSIONAL FUND ADVISORS LP | 23,239,876 | $412.1M | 1.15% |
Institutional ownership by quarter
% of shares held by 13F filers
Number of 13F filers holding
Holder changes by quarter
| Quarter | Holders | Ownership | New | Increased | Reduced | Closed |
|---|---|---|---|---|---|---|
| 2026-06-30 | 1,156 | 90.8% | 119 | 460 | 385 | 104 |
| 2026-03-31 | 1,152 | 88.9% | 191 | 556 | 254 | 98 |
| 2025-12-31 | 1,081 | 72.7% | 166 | 458 | 312 | 78 |
| 2025-09-30 | 1,013 | 65.6% | 105 | 382 | 354 | 86 |
| 2025-06-30 | 1,010 | 64.8% | 114 | 408 | 332 | 96 |
| 2025-03-31 | 1,005 | 64.5% | 122 | 397 | 320 | 75 |
| 2024-12-31 | 973 | 63.8% | 138 | 322 | 365 | 75 |
| 2024-09-30 | 931 | 62.7% | 100 | 322 | 356 | 84 |
| 2024-06-30 | 924 | 62.3% | 89 | 338 | 329 | 82 |
| 2024-03-31 | 932 | 60.9% | 97 | 348 | 334 | 88 |
| 2023-12-31 | 935 | 60.1% | 138 | 295 | 362 | 68 |
| 2023-09-30 | 876 | 59.3% | 81 | 305 | 331 | 63 |
Schedule 13D / 13G filers
| Filed | Form | Filer | % of class | Shares |
|---|---|---|---|---|
| None on file. | ||||
Required above 5% of a class; 13G is the passive form.
ETFs with the largest holding
| ETF | Weight in fund | Holding value |
|---|---|---|
| VITSX | 0.04% | $978.5M |
| VTSAX | 0.04% | $978.5M |
| VSMPX | 0.04% | $978.5M |
| VTI | 0.04% | $978.5M |
| VEIPX | 1.33% | $877.9M |
| VEIRX | 1.33% | $877.9M |
Share structure
Shares outstanding2,020,414,897
Float2,007,201,313
Free float99.3%
Income statement
Fiscal years, USD| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Revenue | $6.1B | $8.0B | $10.8B | $12.0B | $12.5B |
| Cost of revenue | $114.0M | $985.0M | $3.9B | $5.0B | $4.8B |
| Gross profit | $6.0B | $7.0B | $6.9B | $7.0B | $7.7B |
| R&D | $0 | $0 | $0 | $0 | $0 |
| SG&A | $2.5B | $2.6B | $2.9B | $2.9B | $3.5B |
| Operating income | $1.6B | $2.8B | $2.4B | $2.4B | $2.7B |
| EBITDA | $2.0B | $3.2B | $3.2B | $3.0B | $2.7B |
| Pretax income | $1.6B | $2.8B | $2.4B | $2.4B | $2.7B |
| Income tax | $294.0M | $515.0M | $413.0M | $443.0M | $459.0M |
| Net income | $1.3B | $2.2B | $2.0B | $1.9B | $2.2B |
| EPS, diluted | $0.90 | $1.45 | $1.24 | $1.22 | $1.39 |
| Diluted shares | 1.3B | 1.5B | 1.5B | 1.5B | 1.5B |
Balance sheet
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Cash & short-term investments | $6.3B | $7.4B | $13.7B | $17.2B | $27.9B |
| Receivables | $6.3B | $6.8B | $6.8B | $7.6B | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $12.6B | $14.2B | $20.5B | $24.8B | $27.9B |
| PP&E, net | $1.2B | $1.2B | $1.1B | $1.1B | $1.3B |
| Goodwill & intangibles | $6.0B | $6.3B | $6.2B | $6.2B | $6.7B |
| Total assets | $174.1B | $182.9B | $189.4B | $204.2B | $225.1B |
| Accounts payable | $0 | $0 | $0 | $0 | $0 |
| Total current liabilities | $143.6B | $149.9B | $151.8B | $162.6B | $147.1B |
| Long-term debt | $7.1B | $9.7B | $12.4B | $16.4B | $17.2B |
| Total liabilities | $154.7B | $165.1B | $170.0B | $184.4B | $200.7B |
| Shareholders' equity | $19.3B | $17.8B | $19.4B | $19.8B | $24.4B |
Cash flow statement
Outflows are negative| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Net income | $1.3B | $2.2B | $2.0B | $2.0B | $2.2B |
| Depreciation & amortization | $391.0M | $484.0M | $798.0M | $622.0M | $762.0M |
| Stock-based compensation | $129.0M | $105.0M | $97.0M | $106.0M | $113.0M |
| Change in working capital | $337.0M | $570.0M | −$339.0M | −$1.3B | −$666.0M |
| Operating cash flow | $2.1B | $4.0B | $2.7B | $1.8B | $2.5B |
| Capital expenditure | −$247.0M | −$214.0M | −$140.0M | −$143.0M | −$267.0M |
| Free cash flow | $1.8B | $3.8B | $2.5B | $1.7B | $2.3B |
| Investing cash flow | −$4.0B | −$11.6B | −$3.0B | −$12.1B | −$8.4B |
| Net debt issued / repaid | −$3.9B | $5.1B | $1.3B | $3.3B | $3.2B |
| Buybacks | −$1.4B | $0 | −$82.0M | −$410.0M | $0 |
| Dividends paid | −$888.0M | −$1.0B | −$1.0B | −$1.0B | −$1.0B |
Ratio history
Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Gross margin | 98.1% | 87.6% | 64.2% | 58.2% | 61.7% |
| Operating margin | 26.2% | 34.8% | 22.0% | 20.1% | 21.5% |
| Net margin | 21.3% | 28.2% | 18.0% | 16.2% | 17.7% |
| FCF margin | 29.9% | 48.0% | 23.2% | 14.0% | 18.1% |
| ROE | 8.0% | 12.1% | 10.5% | 9.9% | 10.0% |
| ROIC | 6.3% | 10.2% | 10.6% | 10.3% | 15.0% |
| ROA | 0.9% | 1.3% | 1.0% | 1.0% | 1.0% |
| Debt / equity | 0.39 | 0.66 | 0.67 | 0.84 | 0.76 |
| Interest coverage | 17.9x | 4.0x | 0.7x | 0.5x | 0.6x |
| Current ratio | 0.09 | 0.09 | 0.14 | 0.15 | 0.19 |
| Revenue growth | +16.0% | +30.8% | +36.3% | +10.4% | +4.4% |
| EPS growth | +11.6% | +73.2% | −12.9% | −1.1% | +7.2% |
| P/E at year end | 14.6x | 8.1x | 8.8x | 11.9x | 12.3x |
| EV / EBITDA at year end | 10.1x | 6.9x | 5.2x | 7.4x | 5.4x |
| FCF yield at year end | 9.60% | 21.12% | 14.61% | 7.23% | 8.32% |
| Dividend payout | 68.6% | 45.1% | 53.0% | 53.9% | 46.0% |
Revenue by segment
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Cards And Payment Processing Revenue | $311.0M | $348.0M | — | — | $613.0M |
| Trust And Investment Management Services Revenue | $232.0M | $249.0M | — | — | $408.0M |
| Service Charges Revenue | $372.0M | $384.0M | $211.0M | $227.0M | $250.0M |
| Other Revenue | — | $121.0M | $68.0M | $10.0M | $30.0M |
| Insurance Revenue | — | $117.0M | $74.0M | $77.0M | $81.0M |
| Leasing Revenue | — | — | $51.0M | $30.0M | $12.0M |
Street estimates by fiscal year
Next report 2026-10-22 · consensus EPS $0.35 · these are analysts' numbers, not ours| Fiscal year | Revenue (mean) | Revenue range | EPS (mean) | EPS range | Analysts | P/E on mean EPS |
|---|---|---|---|---|---|---|
| 2026 | $11.1B | $11.1B – $11.1B | $1.34 | $1.32 – $1.35 | 13 | 11.4x |
| 2027 | $11.9B | $11.9B – $12.0B | $1.76 | $1.71 – $2.01 | 14 | 8.7x |
| 2028 | $12.6B | $12.5B – $12.8B | $1.97 | $1.65 – $2.08 | 10 | 7.8x |
Reported vs expected, every quarter on file
| Reported | EPS expected | EPS actual | EPS surprise | Revenue expected | Revenue actual | Revenue surprise |
|---|---|---|---|---|---|---|
| 2026-07-23 | $0.36 | $0.33 | −8.0% | $2.8B | $2.9B | +0.6% |
| 2026-04-23 | $0.23 | $0.26 | +13.9% | $2.6B | $2.6B | +1.0% |
| 2026-01-22 | $0.33 | $0.31 | −6.3% | $2.2B | $2.2B | −0.5% |
| 2025-10-17 | $0.37 | $0.40 | +6.8% | $2.0B | $2.1B | +4.2% |
| 2025-07-18 | $0.33 | $0.38 | +13.7% | $2.0B | $1.9B | −1.7% |
| 2025-04-17 | $0.31 | $0.34 | +8.3% | $1.9B | $1.9B | +1.8% |
| 2025-01-17 | $0.30 | $0.34 | +13.3% | $1.9B | $2.0B | +3.1% |
| 2024-10-17 | $0.30 | $0.33 | +10.0% | $1.9B | $1.9B | +0.9% |
| 2024-07-19 | $0.28 | $0.30 | +7.1% | $1.8B | $1.8B | −0.3% |
| 2024-04-19 | $0.25 | $0.26 | +4.0% | $1.7B | $1.8B | +0.6% |
| 2024-01-19 | $0.26 | $0.27 | +3.8% | $1.8B | $1.7B | −2.7% |
| 2023-10-20 | $0.32 | $0.35 | +9.4% | $1.8B | $1.9B | +3.1% |
| 2023-07-21 | $0.34 | $0.35 | +2.9% | $1.8B | $1.8B | +0.1% |
| 2023-04-20 | $0.37 | $0.39 | +5.4% | $1.9B | $1.9B | +1.1% |
| 2023-01-20 | $0.41 | $0.42 | +2.4% | $1.9B | $2.0B | +0.7% |
| 2022-10-21 | $0.38 | $0.39 | +2.6% | $1.8B | $1.9B | +3.4% |
| 2022-07-21 | $0.34 | $0.35 | +2.9% | $1.7B | $1.7B | +2.4% |
| 2022-04-21 | $0.30 | $0.29 | −3.3% | $1.6B | $1.6B | +1.1% |
| 2022-01-21 | $0.32 | $0.26 | −18.8% | $1.6B | $1.6B | +0.9% |
| 2021-10-28 | $0.36 | $0.35 | −2.8% | $1.7B | $1.7B | −0.7% |
| 2021-07-29 | $0.32 | $0.35 | +9.4% | $1.3B | $1.3B | −0.5% |
| 2021-04-22 | $0.35 | $0.48 | +37.1% | $1.2B | $1.3B | +3.2% |
| 2021-01-22 | $0.29 | $0.27 | −6.9% | $1.3B | $1.3B | −2.1% |
| 2020-10-22 | $0.25 | $0.27 | +8.0% | $1.1B | $1.2B | +8.7% |
Off-exchange (dark pool) volume, weekly
FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)| Week of | Notional | Shares | Trades |
|---|---|---|---|
| 2026-08-31 | $263.1M | 15,620,757 | 91,092 |
| 2026-08-24 | $265.2M | 15,610,948 | 72,981 |
| 2026-08-17 | $303.6M | 17,309,686 | 94,132 |
| 2026-08-10 | $328.2M | 18,496,814 | 99,006 |
| 2026-08-03 | $293.2M | 16,754,927 | 98,633 |
| 2026-07-27 | $378.7M | 22,122,868 | 114,963 |
Short-sale share of off-exchange volume
daily 20-day average| Date | Short share | Short volume | Total volume |
|---|---|---|---|
| 2026-10-15 | 42.5% | 11,354,897 | 26,725,847 |
| 2026-10-14 | 50.5% | 6,940,469 | 13,746,534 |
| 2026-10-13 | 48.4% | 4,479,433 | 9,245,712 |
| 2026-10-12 | 54.3% | 4,003,607 | 7,371,569 |
| 2026-10-09 | 56.6% | 5,910,925 | 10,444,473 |
| 2026-10-08 | 64.3% | 5,340,426 | 8,300,294 |
| 2026-10-07 | 44.7% | 6,589,307 | 14,756,361 |
| 2026-10-06 | 37.4% | 5,872,288 | 15,691,747 |
| 2026-10-05 | 37.8% | 3,509,157 | 9,280,030 |
| 2026-10-02 | 43.1% | 3,969,380 | 9,205,414 |
A daily flow measure from FINRA, not short interest.
Seasonality
Average return by calendar month| Month | Avg return | Up years | Years |
|---|---|---|---|
| Jan | −1.9% | 50% | 20 |
| Feb | −1.0% | 45% | 20 |
| Mar | −1.4% | 57% | 21 |
| Apr | +3.1% | 45% | 20 |
| May | +2.0% | 60% | 20 |
| Jun | −1.4% | 60% | 20 |
| Jul | +2.9% | 65% | 20 |
| Aug | −0.9% | 50% | 20 |
| Sep | +1.7% | 55% | 20 |
| Oct | +1.3% | 55% | 20 |
| Nov | +3.7% | 75% | 20 |
| Dec | +2.0% | 65% | 20 |
History, not a forecast.
Indicators
as of 2026-10-16RSI 1440.5
MFI59.7
ADX38.2
Stochastic %K / %D49.3 / 47.9
Williams %R-50.5
CCI26
TSI / signal-26.1 / -29.6
Chaikin money flow0.00
ATR$0.34
Bollinger width5.3%
Volume vs 20-day avg1.24x
SupertrendDown
Moving averages and bands
level (price vs level)SMA 20$15.36 (−0.6%)
SMA 50$16.32 (−6.4%)
SMA 200$16.78 (−9.0%)
EMA 21$15.50 (−1.5%)
EMA 50$16.05 (−4.9%)
EMA 200$16.54 (−7.7%)
Bollinger upper$15.77 (−3.2%)
Bollinger lower$14.95 (+2.1%)
Parabolic SAR$14.86 (+2.8%)
Open the live chart, 110+ indicatorsAbout Huntington Bancshares Incorporated
Huntington Bancshares Incorporated, established in Columbus, Ohio, in 1866, operates as the bank holding company for The Huntington National Bank, providing a comprehensive suite of commercial, consumer, and mortgage banking services across the United States. Its operations are organized into four key segments. The Consumer and Business Banking segment offers essential financial products to individuals and small businesses, including checking, savings, money market, and certificate of deposit accounts, along with credit cards, various loans, and investment opportunities. This segment also facilitates mortgages, insurance, interest rate risk protection, foreign exchange, and provides convenient access through ATMs, online, mobile, and telephone banking. For larger entities, the Commercial Banking segment delivers specialized financial solutions to middle-market businesses, government and public sector organizations, and commercial real estate developers/REITs. It extends tailored services to industries such as healthcare, technology, telecommunications, franchise finance, sponsor finance, and global services, encompassing asset finance, capital raising, sales and trading, corporate risk management, institutional banking, and treasury management. The Vehicle Finance segment aids consumers in financing purchases of automobiles, light-duty trucks, recreational vehicles, and marine craft through dealerships, while also offering inventory financing for new and used vehicles to franchised dealerships. Finally, the Regional Banking and The Huntington Private Client Group segment focuses on delivering private banking, wealth and investment management, and retirement planning services. As of March 18, 2022, Huntington Bancshares maintained a significant footprint with approximately 1,000 branches operating across 11 states.
https://www.huntington.com
Key executives
| Name | Title | Pay | Born |
|---|---|---|---|
| Stephen D. Steinour | Chairman & CEO | $5.2M | 1959 |
| Brantley J. Standridge | President | $2.8M | 1976 |
| Zachary J. Wasserman | Chief Financial Officer & Senior EVice President | $2.7M | 1975 |
| Marcy C. Hingst | Senior EVP, General Counsel & Corporate Secretary | $2.3M | 1974 |
| Scott D. Kleinman | Senior Executive Vice President & President of Commercial Banking | $2.2M | 1970 |
| Helga S. Houston | Senior Executive Vice President | $1.9M | 1961 |
| Kendall Kowalski | Executive Vice President & Chief Information Officer | — | 1969 |
| Richard Porrello | President of Vehicle Finance & Dealer Services | — | — |
Executive pay, latest proxy
| Executive | Year | Salary | Stock awards | Incentive | Total |
|---|---|---|---|---|---|
| Stephen D. Steinour Chairman, President and CEO | 2025 | $1.2M | $6.9M | $3.5M | $12.1M |
| Brant J. Standridge President, Consumer & Regional Banking, Senior Executive Vice President | 2025 | $809,375 | $2.0M | $2.0M | $4.8M |
| Zachary J. Wasserman Chief Financial Officer, Senior Executive Vice President | 2025 | $785,985 | $2.0M | $1.9M | $4.7M |
| Scott D. Kleinman President, Commercial Banking, Senior Executive Vice President | 2025 | $724,053 | $1.5M | $1.5M | $3.7M |
| Helga S. Houston Chief Risk Officer Senior Executive Vice President | 2025 | $675,000 | $1.6M | $1.2M | $3.5M |
Employees
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| 2026-09-17 | $0.155 | 2026-10-01 |
| 2026-06-17 | $0.155 | 2026-07-01 |
| 2026-03-18 | $0.155 | 2026-04-01 |
| 2025-12-18 | $0.155 | 2026-01-02 |
| 2025-09-17 | $0.155 | 2025-10-01 |
| 2025-06-17 | $0.155 | 2025-07-01 |
| 2025-03-18 | $0.155 | 2025-04-01 |
| 2024-12-18 | $0.155 | 2025-01-02 |
Moat model
Weak · Efficient Scale · 2026-06-30Cost advantage45
Intangibles47
Switching costs53
Network effect47
Efficient scale67
Our component scores (0-100) and overall 51.1; a model of the business, not a call on the stock.
InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17