InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$15.27

2026-10-16

Market Cap

$30.9B

Volume

38.1M

52-Wk High

$19.46

52-Wk Low

$14.82

Trailing PE

11.2

P/S

2.14

Gross Margin

63.7%

Net Margin

16.6%

ROE

9%

ROIC

5%

Piotroski

6/9

Altman Z

0.3

1-Yr Return

+0.2%

5-Yr Return

+60.1%

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.

SectorFinancial ServicesIndustryBanks - RegionalExchangeNASDAQMarket Cap$30.9BEmployees20,424 (SEC-filed)CEOStephen D. SteinourIPO1980-03-17CountryUS

Huntington Center, Columbus, OH 43287 · Tel 614 480 2265 · huntington.com

INSIDERSTREET SCORE59 / 100Street mean $19.80 (10 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALTWO-WAY FLOW$1.4M buys against $5.7M sells / 6 mo

1 Year vs S&P 500 · HBAN +0.2% · S&P 500 +15.9% · spread -15.7pp

7 Years vs S&P 500 · HBAN +60.1% · S&P 500 +189.9% · spread -129.8pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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INSIDERSTREET
SCORE59of 100

Score Breakdown

Profitability	54/100
Growth	63/100
Momentum	89/100
Quality	77/100
Earnings Quality	99/100
Balance Sheet	53/100
Value	88/100
Risk (safety)	50/100
Overall	58.9/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
MTB	56
CFG	55
FCNCA	50
RF	44
KEY	44
FITB	51
HBAN	59

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 66 in 23 Q1, latest 59 — -7 since. Fell in 2 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY59 / 100IS Score 58.9 / 100 · -7.2 from peak of 66

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTUREBEARISHTechnical Score 31 / 100 · Power -38 · 7 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

These two disagree — business quality 59, price structure 31 out of 100, so the business reads better than the price does. We publish the disagreement rather than resolving it: they answer different questions, and the gap between them is information, not an error.

Trigger	Where it stands now	What it would mean
IS Score reaches 75 and holds two consecutive quarters	now 58.9	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 61 → 51 → 51 → 59	the direction matters more than the level
Technical vote share back above 50%	now 18%	price structure no longer broken
Institutional holder count rises two quarters running	peak 1,156 → now 1,156	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score4 of 4top 0% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)1 buys2026-05-01

Insider Buys (180d)7$0.62M

ETF Funds (30d)1124 up / 960 downnet +164 funds

Institutions Added (13F)4managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 1,156 · latest 1,156 (+0 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	1,156	1767.8M	$29.8B	90.8%
2026 Q1	1,152	1730.3M	$26.0B	88.9%
2025 Q4	1,081	1414.6M	$23.8B	72.7%
2025 Q3	1,013	1275.8M	$21.0B	65.6%
2025 Q2	1,010	1260.3M	$20.3B	64.8%
2025 Q1	1,005	1255.4M	$18.0B	64.5%
2024 Q4	973	1240.6M	$19.0B	63.8%
2024 Q3	931	1221.0M	$16.6B	62.7%
2024 Q2	924	1212.3M	$16.5B	62.3%
2024 Q1	932	1184.3M	$17.7B	60.9%
2023 Q4	935	1169.7M	$15.6B	60.1%
2023 Q3	876	1153.2M	$12.9B	59.3%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Wasserman Zachary Jacob	CFO and Senior Exec. V.P.	2026-10-01	A-Award	2,699	—	395,886
Tate Jeffrey L.	director	2026-10-01	A-Award	632	—	124,093
Tate Jeffrey L.	director	2026-10-01	A-Award	54	—	5,257
Steinour Stephen D	director, Chairman & CEO	2026-10-01	A-Award	7,250	—	1,497,813
Steinour Stephen D	director, Chairman & CEO	2026-10-01	A-Award	591	—	57,580
Standridge Brantley J	President	2026-10-01	A-Award	2,820	—	450,494
Sit Roger J	director	2026-10-01	A-Award	1,873	—	209,065
Sit Roger J	director	2026-10-01	A-Award	523	—	50,908

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	6	337,762	$5.7M	Counted
P — Open-market purchases	15	79,277	$1.4M	Counted
M — Exercises (paired A/D)	2	38,446	$0.4M	None — mechanics
F — Tax withholding	29	775,858	$12.6M	None — compensation

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalTwo-Way Flow

Open-Market Sells$5.7M6 txns / 6 mo

Open-Market Buys$1.4M15 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Member	Chamber	Trade	Size band	Traded	Disclosed
Ro Khanna	House	BUY	$1,001 - $15,000	2026-05-01	2026-06-11
Ro Khanna	House	BUY	$1,001 - $15,000	2026-04-13	2026-05-13
Neal P. Dunn	House	SELL	$1,001 - $15,000	2026-02-02	2026-03-18
Tina Smith	Senate	SELL	$100,001 - $250,000	2025-11-21	2025-11-27
Tina Smith	Senate	SELL	$100,001 - $250,000	2025-11-21	2025-11-26
Tina Smith	Senate	SELL	$100,001 - $250,000	2025-11-21	2025-11-25

House 12-Mo6 trades5 purchases

Senate 12-Mo3 trades0 purchases

CoverageSTOCK Act filings30-45 day disclosure lag

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13F Filers (last complete Q)1,152

13F Shares1.73B88.9% of shares out

New / Closed191 / 98positions, QoQ

Increased / Reduced556 / 254positions, QoQ

Put/Call (13F)0.88option positions

Free Float99.3%2.01B sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Assenagon Asset Management S.A.	8.9M	$136M
Fort Washington Investment Advisor	1.5M	$22M
Wealth Enhancement Advisory Servic	646,731	$9M
Mn Services Vermogensbeheer B.V.	593,575	$9M
Czech National Bank	580,514	$9M
Northside Capital Management, Llc	575,278	$9M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.0%	$979M
VTSAX	0.0%	$979M
VSMPX	0.0%	$979M
VTI	0.0%	$979M
VEIPX	1.3%	$878M
VEIRX	1.3%	$878M

13F Filers Holding HBAN — quarterly

Institutional Put/Call — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session42.5%2026-10-15

20-Day Avg43.8%50-day 48.1%

TrendFalling20d vs 50d

By Market CenterQ: 42% · N: 50% · B: 66%latest session

Weekly Notional ($B)

Where HBAN Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	41.9M	333 sh
Ebxl Level Ats	22.4M	157 sh
Ubsa Ubs Ats	19.2M	223 sh
Mstx Ms Trajectory Cross (Ats-1)	16.9M	237 sh
Bids Bids Ats	14.8M	1,748 sh
Mlix Instinct X	11.8M	355 sh

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Where a dollar of Huntington Bancshares Incorporated revenue goes. All values FY2025 filings, live.

HBAN (live moat model)Peer median: MTB · CFG · FCNCA · RF · KEY

Component scores from the live moat model. Peer median illustrative.

Moat score 51/100 — Weak; primary source Efficient Scale.

3.8 · Employees (SEC filings)

Officer	Title
Stephen D. Steinour	Chairman & CEO
Brantley J. Standridge	President
Zachary J. Wasserman	Chief Financial Officer & Senior EVice President
Marcy C. Hingst	Senior EVP, General Counsel & Corporate Secretary

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Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

Quarterly EPS — Actual vs. Consensus

Beats (>2%)4 of 6recent quarters

Avg Surprise+4.0%

Next Report2026-10-22

Income Quality1.23OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

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Profit Margins (%)

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+16.1%	+30.8%	+35.6%	+11.0%	+4.4%
Gross profit	+58.4%	+16.7%	-0.9%	+0.9%	+10.6%
Operating income	+63.7%	+73.7%	-13.7%	+0.8%	+11.9%
Net income	+58.5%	+72.8%	-12.8%	-0.6%	+14.0%

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	6.1	8.0	10.8	12.0	12.5
Cost of revenue	0.1	1.0	3.9	5.0	4.8
Gross profit	6.0	7.0	6.9	7.0	7.7
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	2.5	2.6	2.9	2.9	3.5
Operating income	1.6	2.8	2.4	2.4	2.7
EBITDA	2.0	3.2	3.2	3.0	2.7
D&A	0.4	0.5	0.8	0.6	0.0
Pretax income	1.6	2.8	2.4	2.4	2.7
Income tax	0.3	0.5	0.4	0.4	0.5
Net income	1.3	2.2	2.0	1.9	2.2
Diluted EPS ($)	0.90	1.45	1.24	1.22	1.39
Diluted shares (M)	1,287	1,465	1,468	1,476	1,505

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Operating CF$3B

CapEx$0B

Free cash flow$2B

SBC$0B

Buybacks$0B

Net cash change$1B

Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	6.9	10.3	13.3	1.8
ST investments	0.5	3.4	3.9	26.1
Receivables (net)	6.8	6.8	7.6	0.0
Total current assets	14.2	20.5	24.8	27.9
PP&E (net)	1.2	1.1	1.1	1.3
Goodwill + intangibles	6.3	6.2	6.2	6.7
Total assets	182.9	189.4	204.2	225.1
Accounts payable	0.0	0.0	0.0	0.0
Short-term debt	2.0	0.6	0.2	1.3
Deferred revenue	0.0	0.0	0.0	0.0
Total current liabilities	149.9	151.9	162.6	147.1
Long-term debt	9.7	12.4	16.4	17.2
Total liabilities	165.1	170.0	184.4	200.7
Shareholders' equity	17.8	19.4	19.8	24.4

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	2.2	2.0	2.0	2.2
D&A	0.5	0.8	0.6	0.8
Stock-based compensation	0.1	0.1	0.1	0.1
Working capital change	0.6	(0.3)	(1.3)	(0.7)
Operating cash flow	4.0	2.7	1.8	2.5
Capital expenditures	(0.2)	(0.1)	(0.1)	(0.3)
Investing cash flow	(11.6)	(3.0)	(12.1)	(8.4)
Buybacks	0.0	(0.1)	(0.4)	0.0
Dividends paid	(1.0)	(1.0)	(1.0)	(1.0)
Debt issuance / (repay)	5.1	1.3	3.3	3.2
Financing cash flow	8.8	3.8	13.0	6.5
Free cash flow	3.8	2.5	1.7	2.3

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Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	8.0%	12.1%	10.5%	9.9%	10.0%	9%
ROA	0.9%	1.3%	1.0%	1.0%	1.0%	0.8%
ROIC	6.3%	10.2%	10.6%	10.3%	15.0%	4.6%
Gross margin	98.1%	87.6%	64.0%	58.2%	61.7%	63.7%
Operating margin	26.2%	34.8%	22.1%	20.1%	21.5%	20.4%
Net margin	21.3%	28.2%	18.1%	16.2%	17.7%	16.6%
EBITDA margin	32.6%	40.9%	29.5%	25.3%	21.5%	25.6%
FCF margin	29.9%	48.0%	23.2%	14.0%	18.1%	—
VALUATION
P/E	14.60	8.07	8.83	11.93	12.32	11.2
P/B	0.98	1.02	0.89	1.17	1.12	0.9
P/S	3.11	2.27	1.59	1.93	2.18	2.14
P/FCF	10.41	4.74	6.85	13.84	12.03	10.4
EV/EBITDA	10.12	6.88	5.20	7.44	5.44	13.4
EV/Revenue	3.30	2.81	1.53	1.88	1.43	3.4
Earnings yield	6.9%	12.4%	11.3%	8.4%	8.1%	8.07%
FCF yield	9.6%	21.1%	14.6%	7.2%	8.3%	9.58%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	0.09	0.09	0.14	0.15	0.19	12.39
Quick ratio	0.09	0.09	0.14	0.15	0.19	12.39
Debt / equity	0.39	0.66	0.67	0.84	0.76	0.67
Debt / assets	4.3%	6.4%	6.9%	8.1%	8.2%	7.7%
Net debt / EBITDA	0.58	1.32	-0.21	-0.21	-2.88	5.03
Interest coverage	17.88	3.97	0.69	0.53	0.62	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.04	0.04	0.06	0.06	0.06	0.05
Receivables turnover	1.44	1.22	1.59	1.66	3.29	—
DSO (days)	253	300	229	220	111	—
DPO (days)	0	0	0	0	0	—
Cash conversion cycle	253	300	229	220	111	—
GROWTH (YoY)
Revenue growth	16.0%	30.8%	36.3%	10.4%	4.4%	—
Net income growth	58.5%	72.8%	-12.8%	-0.6%	14.0%	—
EPS growth	11.6%	73.2%	-12.9%	-1.1%	7.2%	—
FCF growth	50.7%	110.1%	-34.0%	-33.6%	35.5%	—
PER SHARE ($)
EPS (diluted, TTM)	0.88	1.52	1.33	1.31	1.41	1.23
Book value / share	13.12	12.08	13.17	13.37	15.50	16.79
Revenue / share	4.13	5.42	7.38	8.10	7.95	7.40
FCF / share	1.23	2.60	1.71	1.13	1.44	1.52
Cash / share	4.27	5.06	9.32	11.66	17.78	19.80
SHAREHOLDER RETURN & SCORES
Buyback yield	7.1%	0.0%	0.5%	1.8%	0.0%	0.88%
Altman Z-Score	-0.75	-0.71	-0.64	-0.60	-0.42	0.3
Piotroski F-Score	6	7	5	5	6	6/9
Beneish M-Score	-1.05	-2.22	-2.31	-2.34	-3.38	-3.12

Model	Score	Zone	Note
Piotroski F-Score	6 / 9	Middling
Altman Z-Score	0.3	Distress (<1.81)	Distress
Income quality	1.23	Cash-backed	OCF ÷ net income
Beneish M-Score	-3.12	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.82
Interest burden	1.00
Operating margin	20.4%
Asset turnover	0.06×
Financial leverage	9.18×
= ROE	9%

Growth Quality (live)	Value
Revenue stability	0.98
Earnings stability	0.52
Earnings persistence	0.95
Revenue CAGR 3y	14.1%
EPS CAGR 3y	-9.5%
FCF CAGR 3y	1.7%

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Buyback Yield0.88%

Dividend Yield4.06%

Total Shareholder Return2.07%cash yield

SBC / Revenue0.9%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
MTB	$31.1B	11.2	11%	24.3%	-5.8%	7/9	+21.4%
CFG	$26.7B	12.7	8%	18.4%	-4.5%	7/9	+32.1%
FCNCA	$24.0B	11.4	11%	18.6%	-1.3%	7/9	+29.7%
RF	$23.4B	10.6	12%	24.0%	+0.5%	6/9	+18.7%
KEY	$21.6B	11.6	10%	24.7%	+13.5%	7/9	—
FITB	$45.7B	17.0	8%	18.1%	+15.9%	6/9	—
EWBC	$17.4B	12.1	17%	30.9%	+4.7%	8/9	—
TFC	$57.5B	12.0	9%	20.4%	+0.3%	6/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Hold

49 Analysts

Str Sell (0)Sell (3)Hold (23)Buy (22)Str Buy (1)

Mean Target (qtr)$19.8010 targets

Target vs. Price+29.7%last-quarter mean

Next Report2026-10-22street $0.35

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$11.12B	$11.13B / $11.11B	$1.34	$1.35 / $1.32	13
FY2027	$11.93B	$11.99B / $11.90B	$1.76	$2.01 / $1.71	14
FY2028	$12.64B	$12.76B / $12.53B	$1.97	$2.08 / $1.65	10

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Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$19.00	+24.4%	4
Last Quarter	$19.80	+29.7%	10
Last Year	$19.92	+30.5%	26
All Time	$18.30	+19.8%	52

Rolling mean of published targets vs. last close $15.27. Aggregated from StreetInsider, Benzinga.

Third-Party Composite Rating

B+

DCF

3/5

ROE

3/5

ROA

3/5

Debt/Eq

3/5

P/E

3/5

P/B

3/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

HBAN +0.2% vs S&P 500 +15.9% — spread -15.7pp

Sector — XLF +7.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$15.36	-0.09	-0.59%	Below
SMA 50	$16.32	-1.05	-6.43%	Below
SMA 200	$16.78	-1.51	-9.00%	Below
EMA 9	$15.29	-0.02	-0.13%	Below
EMA 21	$15.50	-0.23	-1.48%	Below
EMA 50	$16.05	-0.78	-4.86%	Below
EMA 200	$16.54	-1.27	-7.68%	Below

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTBEARISHPower Score -387 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%10

Momentum 25%40

Volume 20%44

Volatility 10%17

Patterns 15%50

This Week18% bullishof 11 price-based votes

4 Weeks Ago9%+9 pts since

12 Weeks Ago45%-27 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$15.36

Price vs SMA 50$16.32

Price vs SMA 200$16.78

EMA 9/21 Cross15.3/15.5

SMA 50/200Death

ADX DirectionADX 38

Supertrend$16

Parabolic SAR$15

SMA Slope-0.030

RSI40.5

Stochastic K/D49/48

StochRSI K/D75/73

Williams %R-51

CCI26

TSI vs Signal-26.1

CMO-18.9

ROC-0.39%

OBV SignalDistrib

Chaikin MF0.000

MFI60

Force Index-0M

Elder Ray Bull0.23

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 48

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$15.27 / $15.54 / $15.72	S1 / S2	$15.09 / $14.82
Bollinger (20,2)	$14.95 – $15.77	Squeeze	ON
52-wk range	$14.82 – $19.45	Off 52-wk high	-21.5%
ATR (14)	$0.34 (2.2%)	Historical vol	19.2%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

-1.9%Jan50%

-1.0%Feb45%

-1.4%Mar57%

+3.1%Apr45%

+2.0%May60%

-1.4%Jun60%

+2.9%Jul65%

-0.9%Aug50%

+1.7%Sep55%

+1.3%Oct55%

+3.7%Nov75%

+2.0%Dec65%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	HBAN	S&P 500
Weekly volatility (σ, 1y)	4.03%	1.83%
Best / worst week (1y)	+11.5% / -9.1%	—
Max drawdown (5y, monthly)	-49.3%	—
1-week VaR (95%)	-7.5%	—
Beta (5y)	0.94	1.00

HBAN EQUITY WEATHER (LIVE)RAINY · -30

Trend-48

Momentum-9

Volume-33

Volatility-30

Breadth-23

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 123 stories, weekly buckets, −1 to +1.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall-30.0-7.2 vs industry

Trend-48.0-24.1 vs industry

Momentum-9.2+4.9 vs industry

Volume-32.8+1.8 vs industry

Reading	HBAN	Banks - Regional n=1,560	Financial Services n=24,134	All US symbols n=70,435
Overall	-30.0	-22.8	-16.3	-20.5
Trend	-48.0	-24.0	-12.5	-21.3
Momentum	-9.2	-14.1	-4.4	-15.8
Volume	-32.8	-34.6	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Stephen D. Steinour Chairman, President and	$12.1M	86% equity+incentive
Brant J. Standridge President, Consumer & Re	$4.8M	83% equity+incentive
Zachary J. Wasserman Chief Financial Officer	$4.7M	83% equity+incentive
Scott D. Kleinman President, Commercial Bank	$3.7M	80% equity+incentive
Helga S. Houston Chief Risk Officer Senior E	$3.5M	80% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	44
Social	66
Governance	55
Composite ESG	55

Composite ESG Trend

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2020-10-22 to 2026-07-23
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	114 rows · 1998 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-10-01
Proposed sales (Form 144)	edgar/form144	not present for this symbol
Beneficial ownership (13D/G)	edgar/13dg	not present for this symbol
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

Huntington Bancshares Incorporated (HBAN)

Huntington Bancshares Incorporated (HBAN)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

Huntington Bancshares Incorporated (HBAN)

Institutions holding — 12 quarters

Huntington Bancshares Incorporated (HBAN)

Monthly Net Insider Flow (000 shares)

Signal Summary

Huntington Bancshares Incorporated (HBAN)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding HBAN — quarterly

Institutional Put/Call — quarterly

Where HBAN Trades in the Dark

Huntington Bancshares Incorporated (HBAN)

3.8 · Employees (SEC filings)

Huntington Bancshares Incorporated (HBAN)

Huntington Bancshares Incorporated (HBAN)

Huntington Bancshares Incorporated (HBAN)

Balance Sheet — Full

Cash Flow Statement — Full

Huntington Bancshares Incorporated (HBAN)

Huntington Bancshares Incorporated (HBAN)

Huntington Bancshares Incorporated (HBAN)

Huntington Bancshares Incorporated (HBAN)

Street Price Target — Trajectory

Third-Party Composite Rating

Huntington Bancshares Incorporated (HBAN)

Huntington Bancshares Incorporated (HBAN)

Family Scores (site weights)

Huntington Bancshares Incorporated (HBAN)

Huntington Bancshares Incorporated (HBAN)

Huntington Bancshares Incorporated (HBAN)