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Upturn AI SWOT - About
HBAN 
Huntington Bancshares Incorporated (HBAN)
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Upturn Advisory Summary
12/01/2025: 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 $19.7
1 Year Target Price $19.7
| 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 12/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 25.55B USD | Price to earnings Ratio 11.4 | 1Y Target Price 19.7 |
Price to earnings Ratio 11.4 | 1Y Target Price 19.7 | ||
Volume (30-day avg) 21 | Beta 0.98 | 52 Weeks Range 11.69 - 17.93 | Updated Date 12/1/2025 |
52 Weeks Range 11.69 - 17.93 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 3.81% | Basic EPS (TTM) 1.43 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 11.4 | Forward PE 9.82 | Enterprise Value 30960068608 | Price to Sales(TTM) 3.41 |
Enterprise Value 30960068608 | Price to Sales(TTM) 3.41 | ||
Enterprise Value to Revenue 5.75 | Enterprise Value to EBITDA - | Shares Outstanding 1565268876 | Shares Floating 1449364742 |
Shares Outstanding 1565268876 | Shares Floating 1449364742 | ||
Percent Insiders 0.85 | Percent Institutions 85.95 |
Upturn AI SWOT
Huntington Bancshares Incorporated
Company Overview
History and Background
Huntington Bancshares Incorporated was founded in 1866. It has grown through acquisitions and organic expansion, evolving from a small Columbus, Ohio bank to a major regional financial institution.
Core Business Areas
- Commercial Banking: Provides a range of banking and financial solutions to businesses, including lending, treasury management, and capital markets services.
- Consumer Banking: Offers a variety of banking products and services to individuals, including checking and savings accounts, mortgages, auto loans, credit cards, and investment services.
- Wealth and Investment Management: Provides wealth management, investment advisory, and trust services to individuals and institutions.
Leadership and Structure
Huntington Bancshares Incorporated is led by its Chief Executive Officer and a board of directors. The organizational structure includes various business units and support functions.
Top Products and Market Share
Key Offerings
- Checking Accounts: Huntington offers various checking account options tailored to different customer needs. Market share data is proprietary, but they compete with national and regional banks for checking account customers. Competitors: Chase, Bank of America, PNC.
- Commercial Lending: Huntington provides loans to businesses of various sizes. Market share data is not publicly available, but they compete with other major commercial lenders. Competitors: KeyCorp, Fifth Third Bancorp, US Bancorp.
- Mortgage Lending: Huntington originates and services mortgages. Market share data is proprietary, but they compete in the mortgage market. Competitors: Rocket Mortgage, Wells Fargo, JPMorgan Chase.
Market Dynamics
Industry Overview
The banking industry is characterized by increasing regulation, competition from non-bank financial institutions, and technological disruption. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
Huntington Bancshares Incorporated is a regional bank with a strong presence in the Midwest. Its competitive advantages include a strong brand reputation, a diverse range of products and services, and a focus on customer service.
Total Addressable Market (TAM)
The U.S. banking industry's total addressable market is estimated to be in the trillions of dollars. Huntington is positioned to capture a share of this market through its regional focus and diverse offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Midwest
- Diversified revenue streams
- Solid credit quality
- Experienced management team
- Commitment to community involvement
Weaknesses
- Geographic concentration
- Vulnerability to economic downturns in the Midwest
- Dependence on interest rate spreads
- Cost structure may not be as efficient as larger banks
- IT spending to compete with larger, more tech-savvy banks
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Strategic acquisitions
- Growth in wealth management business
- Leveraging data analytics for improved customer insights
Threats
- Increased competition from national and online banks
- Regulatory changes
- Economic slowdown
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- PNC (PNC)
- KeyCorp (KEY)
- Fifth Third Bancorp (FITB)
- US Bancorp (USB)
Competitive Landscape
Huntington benefits from its regional focus and customer service reputation. However, larger national banks possess greater scale and resources. Competition is intense across all business lines.
Major Acquisitions
TCF Financial Corporation
- Year: 2021
- Acquisition Price (USD millions): 6000
- Strategic Rationale: Expansion of Huntington's footprint in the Midwest and increased scale and efficiency.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends analysis would require retrieving and processing historical financial data, which is not feasible at this time.
Future Projections: Future projections would require access to analyst estimates, which is not feasible at this time.
Recent Initiatives: Recent strategic initiatives include investments in digital banking, expansion of wealth management services, and continued focus on community development.
Summary
Huntington Bancshares is a solid regional bank with a strong presence in the Midwest. Their strategic acquisition of TCF Financial strengthens its competitive position. However, they face challenges from larger national banks and economic volatility. Continued investment in digital banking and wealth management is crucial for future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Market data sources
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share are approximate and may vary based on different sources. Financial data and projections are based on available information and are subject to change.
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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