Huntington Bancshares Inc (HBAN)
Financials · Regional Banks · US stock · S&P 500 component
$15.27
▼ -0.08 (0.52%)
Fair valueFair
$20 +31.3% to fair value
$10fair band $14–$26$30
Day's range
$15.27 – $15.73
52-week range
$14.49 – $18.90
About Huntington Bancshares Inc
Huntington Bancshares is a regional bank holding company based in Ohio that serves consumers, small businesses and corporate clients, mainly across the Midwest. Its bank offers checking and savings accounts, loans, mortgages, credit cards, payments, wealth management and commercial banking through branches, digital channels and a network of ATMs. Customers are individuals, families and companies of many sizes in the communities where it operates.
Revenue comes from the difference between interest earned on loans and paid on deposits, together with fees from payments and wealth management. On the site's figures, revenue was $1.7 billion over the last twelve months, growing at 5.8% a year across the last three years. The company pays a dividend with a yield of 4.1%. On the site's X-Ray Score it receives 46 out of 100.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $14.49 – $18.90Volume 38,087,900Daily, split-adjusted
Vitals
Market cap$29.0B
52-week range$14.49 – $18.90
Volume (last day)38,087,900
P/E (TTM)11.0
EBIT / EV yield8.0%
Free-cash-flow yield7.4%
Dividend yield4.1%
Revenue (TTM)$1.7B
Net income (TTM)$2.2B
Operating margin159.0%
Return on capital6.0%
Debt incl. leases$23.5B
Cash & securities$19.2B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$20
Fair
+31.3% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is Medium, so the safety margin is 30%.
Price $15
Undervalued < $14Fair $14 – $26Overvalued > $26
Excess-return (bank)
$17
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Weak business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Fair
69/100
Priced about in line with its sector.
See the numbers →
EBIT / EV yield8.0%
Free-cash-flow yield7.4%
Fair value vs price1.3×
Growth
Weak
27/100
Growing slower than most of its sector.
See the numbers →
Revenue growth (3y)5.8%
EPS growth (3y)-1.4%
Growth consistency80%
Profitability
Weak
34/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital6.0%
Operating margin159.0%
Financial health
Fair
50/100
Balance sheet is in typical shape for its sector.
See the numbers →
Piotroski F-Score6 / 9
Net debt / EBITDA1.3×
Interest coverNo interest cost
Dividends
Weak
49/100
Dividend is modest or less certain than peers.
See the numbers →
Dividend yield4.1%
Dividends vs free cash flow55%
Dividend growth0.4%
Quarterly results: last 6 quarters
+16.1%
Dec '24
+4.5%
Mar '25
+4.7%
Jun '25
+17.1%
Sep '25
+0.0%
Dec '25
+34.5%
Mar '26
Revenue against the same quarter a year earlier. Latest quarter revenue $472M, diluted EPS $0.25.
Compare with peers
MTB M&T Bank Corp62 RF Regions Financial Corp57 KEY Keycorp53 CFG Citizens Financial Gro...45Other Regional Banks companies by X-Ray Score.
Fundamentals checklist
● 3 Good · ● 5 Average · ● 5 BadCash quality
Earnings backed by cashBad
Free-cash-flow yieldAverage
Risk models
Piotroski F-ScoreAverage
Growth
EPS growth (3y)Bad
Free-cash-flow growth (3y)Bad
Revenue growth (3y)Average
Growth consistencyBad
Balance sheet
Net debt / EBITDAAverage
Interest coverGood
Valuation
Fair value vs priceGood
EBIT / EV yieldAverage
Profitability
Return on invested capitalBad
Operating marginGood
Each check is graded against the company's sector, not a fixed number. Checklist score 48/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $1.1B | $1.3B | $1.4B | $1.5B | $1.6B |
| Operating income | $1.7B | $3.5B | $5.9B | $2.4B | $2.7B |
| Net income | $1.3B | $2.2B | $2.0B | $1.9B | $2.2B |
| Operating cash flow | $2.1B | $4.0B | $2.7B | $1.8B | $2.5B |
| Operating margin | 150.9% | 262.5% | 418.6% | 163.7% | 172.1% |
| Free cash flow | $1.8B | $3.8B | $2.5B | $1.7B | $2.2B |
| Diluted EPS | $0.90 | $1.45 | $1.24 | $1.22 | $1.39 |
Fiscal years, from SEC filings.
Technical summary
Daily
Strongly bearish
1 bullish · 4 neutral · 11 bearish
Weekly
Strongly bearish
1 bullish · 1 neutral · 10 bearish
Monthly
Neutral
3 bullish · 1 neutral · 4 bearish
Moving averages (daily)
| SMA 10 | 15.28 | Bearish |
| EMA 10 | 15.30 | Bearish |
| SMA 20 | 15.36 | Bearish |
| EMA 20 | 15.48 | Bearish |
| SMA 50 | 16.26 | Bearish |
| EMA 50 | 16.00 | Bearish |
| SMA 100 | 16.68 | Bearish |
| EMA 100 | 16.31 | Bearish |
| SMA 200 | 16.52 | Bearish |
| EMA 200 | 16.32 | Bearish |
Oscillators (daily)
| RSI (14) | 41.06 | Neutral |
| MACD (12, 26) | -0.27 | Bearish |
| Momentum (12) | 0.07 | Bullish |
| Stochastic %K (14) | 49.45 | Neutral |
| Williams %R (14) | -50.55 | Neutral |
| CCI (20) | 25.78 | Neutral |
Pivot points (classic, last session)
S3 14.66 | S2 14.96 | S1 15.12 | Pivot 15.42 | R1 15.58 | R2 15.88 | R3 16.04 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
0.62 USD
Yield on today's price
4.06%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 17 Sep 2026 | 0.1550 |
| 17 Jun 2026 | 0.1550 |
| 18 Mar 2026 | 0.1550 |
| 18 Dec 2025 | 0.1550 |
| 17 Sep 2025 | 0.1550 |
| 17 Jun 2025 | 0.1550 |
| 18 Mar 2025 | 0.1550 |
| 18 Dec 2024 | 0.1550 |
| 17 Sep 2024 | 0.1550 |
| 17 Jun 2024 | 0.1550 |
| 15 Mar 2024 | 0.1550 |
| 15 Dec 2023 | 0.1550 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
HBAN SEC filings
24 Sep 2026
8-KSEC EDGAR
Director or officer change
18 Sep 2026
8-KSEC EDGAR
Other events
16 Sep 2026
8-KSEC EDGAR
Regulation FD disclosure
10 Sep 2026
8-KSEC EDGAR
Director or officer change
28 Jul 2026
10-QSEC EDGAR
Quarterly report
23 Jul 2026
8-KSEC EDGAR
Other events
23 Jul 2026
8-KSEC EDGAR
Results of operations
25 Jun 2026
8-KSEC EDGAR
Other events
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.