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Upturn AI SWOT - About
HBAN 
Huntington Bancshares Incorporated (HBAN)
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Upturn Advisory Summary
11/03/2025: HBAN (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
21 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $19.75
1 Year Target Price $19.75
| 12 | Strong Buy |
| 3 | Buy |
| 5 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 18.27% | Avg. Invested days 63 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/03/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 24.17B USD | Price to earnings Ratio 10.8 | 1Y Target Price 19.75 |
Price to earnings Ratio 10.8 | 1Y Target Price 19.75 | ||
Volume (30-day avg) 21 | Beta 0.98 | 52 Weeks Range 11.69 - 17.93 | Updated Date 11/3/2025 |
52 Weeks Range 11.69 - 17.93 | Updated Date 11/3/2025 | ||
Dividends yield (FY) 4.05% | Basic EPS (TTM) 1.43 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-17 | When Before Market | Estimate 0.37 | Actual 0.4 |
Profitability
Profit Margin 29.62% | Operating Margin (TTM) 38.56% |
Management Effectiveness
Return on Assets (TTM) 1.09% | Return on Equity (TTM) 10.43% |
Valuation
Trailing PE 10.8 | Forward PE 10.65 | Enterprise Value 29704992768 | Price to Sales(TTM) 3.22 |
Enterprise Value 29704992768 | Price to Sales(TTM) 3.22 | ||
Enterprise Value to Revenue 5.82 | Enterprise Value to EBITDA - | Shares Outstanding 1565268876 | Shares Floating 1448824768 |
Shares Outstanding 1565268876 | Shares Floating 1448824768 | ||
Percent Insiders 0.86 | Percent Institutions 82.8 |
Upturn AI SWOT
Huntington Bancshares Incorporated
Company Overview
History and Background
Huntington Bancshares Incorporated was founded in 1866 in Columbus, Ohio, as The Huntington National Bank. It has grown through acquisitions and organic expansion to become a major regional bank in the Midwest.
Core Business Areas
- Commercial Banking: Provides lending, treasury management, and capital markets services to businesses of all sizes.
- Consumer Banking: Offers checking and savings accounts, mortgages, auto loans, credit cards, and investment services to individuals and families.
- Wealth Management: Provides investment management, trust, and insurance services to high-net-worth individuals and families.
Leadership and Structure
The leadership team is headed by the CEO, who reports to the Board of Directors. The company is structured into various business lines and support functions.
Top Products and Market Share
Key Offerings
- Checking Accounts: Offers various checking account options for consumers and businesses. Competitors: JPMorgan Chase, Bank of America, Fifth Third Bancorp. Market Share not publicly available, but Huntington is a major player in the Midwest region.
- Commercial Lending: Provides loans and lines of credit to businesses. Competitors: U.S. Bank, PNC Financial Services, KeyCorp. Market Share not publicly available, but Huntington is a key player in its region.
- Mortgages: Origination and servicing of residential mortgages. Competitors: Rocket Mortgage, Wells Fargo, U.S. Bank. Market Share not publicly available.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, potential recession, and increased competition from fintech companies.
Positioning
Huntington Bancshares Incorporated is positioned as a leading regional bank in the Midwest, with a focus on relationship banking and community involvement.
Total Addressable Market (TAM)
The TAM for banking services in the Midwest is estimated to be in the hundreds of billions of dollars. Huntington is positioned to capture a significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Midwest
- Focus on relationship banking
- Diversified business model
- Experienced management team
Weaknesses
- Geographic concentration
- Dependence on interest rate environment
- Competition from larger national banks
- Exposure to credit risk
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in wealth management business
- Acquisitions of smaller banks
Threats
- Rising interest rates
- Economic recession
- Increased competition from fintech companies
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- PNC
- USB
Competitive Landscape
Huntington Bancshares Incorporated faces strong competition from larger national banks, but it has a strong regional presence and a focus on relationship banking.
Major Acquisitions
TCF Financial Corporation
- Year: 2021
- Acquisition Price (USD millions): 6000
- Strategic Rationale: Expanded Huntington's footprint into new markets and increased its scale.
Growth Trajectory and Initiatives
Historical Growth: Huntington Bancshares Incorporated has grown steadily over the past decade through organic expansion and acquisitions.
Future Projections: Analysts expect Huntington Bancshares Incorporated to continue to grow its revenue and earnings at a moderate pace in the coming years.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
Huntington Bancshares Incorporated is a solid regional bank with a strong presence in the Midwest. Its diversified business model and focus on relationship banking are working well. The bank needs to be mindful of rising interest rates, economic slowdowns, and increased competition from fintech companies. Successfully navigating these external forces will be key to maintaining long-term growth and profitability.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Analyst reports
- Industry publications
- Market data providers
- Huntington Bancshares Investor Relations
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Investing in the stock market involves risks, and investors should consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Huntington Bancshares Incorporated
Exchange NASDAQ | Headquaters Columbus, OH, United States | ||
IPO Launch date 1990-03-26 | Chairman, President & CEO Mr. Stephen D. Steinour | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 20198 | Website https://www.huntington.com |
Full time employees 20198 | Website https://www.huntington.com | ||
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.
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