Huntington Bancshares Incorporated logo

Huntington Bancshares Incorporated(HBAN)

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ADVISORIES YOU CAN VERIFY
QUALITY SIGNAL
3-STAR RATING
PASS
LAST CLOSE
$15.88
09/18/2026
(24-hour delay)

Advisory History & Simulated Performance *

*as per simulation (see disclosures)
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Advisory Performance History (Simulated)Advisory Performance History info

Upturn Advisory & Investor View for HBAN

09/18/2026: HBAN (3-star) is currently NOT-A-BUY. Pass it for now.

How to Read the Upturn Advisory

The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.

Company fundamentals, valuation, risks, and news provide supporting context about the business.

Analysis of Past Performance

Type Stock
Historic Profit 23.04%
Avg. Invested days 56
Today’s Advisory PASS
Upturn Advisory Rating upturn star rating icon
Upturn Advisory Performance Upturn Advisory Performance icon 4.0
Stock Returns Performance Upturn Returns Performance icon 3.0
Upturn Profits based on simulation icon Profits based on simulation
Upturn last close icon Last Close 09/18/2026

Upturn Scorecard

Upturn Star Rating

HBAN receives a 4-star rating, supported by solid unit economics, solid company fundamentals, solid quantitative characteristics, and strong analyst coverage. The rating is constrained by weak price momentum.

Company Fundamentals

HBAN has solid overall fundamentals (4 stars), with solid financial health, solid growth momentum, and solid ownership. In FY2025 versus FY2024, solid earnings growth (+14.0%) and strong cash generation (FCF margin 18.2%) are partially offset by moderate revenue growth (+4.4%), very low insider ownership of 0.81%.

Financial Health Rating

HBAN's financial health is supported by strong cash strength, including free-cash-flow generation of $2.3B (18.2% of revenue). Liquidity is moderate (3 stars), which helps explain the 4-star overall score.

Growth Momentum Score

Free-cash-flow growth is HBAN's strongest growth driver at +36.2% FY2025 versus FY2024 (strong, 5 stars). By comparison, earnings growth (+14.0%, solid) is also solid, while revenue growth (+4.4%, moderate) holds the profile back, so recent growth is not broad-based across the business.

Ownership

Institutional ownership is 89.9% and approximately 99.3% of outstanding shares are publicly tradable, supporting liquidity and institutional participation. Insider ownership is only 0.81%, which materially reduces the ownership score.

Top 5 Institutional Investors

BlackRock Inc 8.70%
Vanguard Capital Management, LLC 6.52%
Wellington Management Company LLP 6.05%
State Street Corp 4.67%
Vanguard Portfolio Management, LLC 4.65%

Unit Economics (Per $1K Revenue)

HBAN generates approximately $617 of gross profit, $215 of operating income, and $182 of free cash flow for every $1,000 of revenue. Based on FY2025 results. Strong cash conversion and healthy margins support the rating, although capital efficiency remains below the highest tier.

Economic Dimensions

Effective Tax Rate: 17.08%

Quantitative Style Profile

HBAN has a large-cap, liquid profile. Weak momentum is the primary drawback.

Style Classification

Quality Focused

Value-OrientedLarge / Mega Cap StabilityHighly Liquid / Institution-Friendly

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 32.08B USD
Price to earnings Ratio 12.12
1Y Target Price 20.19
Price to earnings Ratio 12.12
1Y Target Price 20.19
Volume (30-day avg) 24.6M shares
Beta 0.94
52 Weeks Range 14.49 - 18.90
Updated Date 09/18/2026
52 Weeks Range 14.49 - 18.90
Updated Date 09/18/2026
Dividends yield (FY) 3.96%
Basic EPS (TTM) 1.31

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

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Valuation

Trailing PE 12.12
Forward PE 8.42
Enterprise Value 41.01B
Price to Sales(TTM) 3.5
Enterprise Value 41.01B
Price to Sales(TTM) 3.5
Enterprise Value to Revenue 5.86
Enterprise Value to EBITDA -
Shares Outstanding 2.02B
Shares Floating 2.01B
Shares Outstanding 2.02B
Shares Floating 2.01B
Percent Insiders 0.81
Percent Institutions 89.92

Financial Metrics

🧭 Investment Snapshot

Total Revenue (Scale)

Information icon Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.

Net Income (Profit)

Information icon Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.

Free Cash Flow (Cash Strength)

Information icon Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.

📈 Growth & Strength

Operating Income (Core Profit)

Information icon Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.

EBITDA (Cash Earnings)

Information icon Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.

Gross Profit (Unit Profitability)

Information icon Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.

🛡️ Financial Safety

Cash (Liquidity Buffer)

Information icon Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.

Total Debt (Leverage Risk)

Information icon Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.

Net Working Capital (Short-Term Health)

Information icon Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.

🧱 Balance Sheet Strength

Stockholder Equity (Net Worth)

Information icon Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.

Total Assets (Asset Base)

Information icon The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.

Income Before Tax (Pre-Tax Earnings)

Information icon Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.

⚙️ Cost & Drag Factors

Cost of Revenue (Production Cost)

Information icon Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.

Total Operating Expenses (Operating Cost)

Information icon Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.

Income Tax Expense (Tax Drag)

Information icon Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.

About Huntington Bancshares Incorporated

Exchange NASDAQ
Headquarters 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 25527
Full time employees 25527

Huntington Bancshares Incorporated operates as the bank holding company for The Huntington National Bank that provides commercial, consumer, and mortgage banking services. It 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. The company 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 finance, regional banking, branch banking, and wealth management customers; direct and indirect consumer loans; 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. In addition, it offers equipment financing, asset-based lending, distribution finance, structured lending, municipal financing solutions, and Huntington ChoicePay. Additionally, the company provides lending, liquidity, treasury management and other payment services, and capital markets; government and non-profits, healthcare, technology and telecommunications, franchises, financial sponsors, fund finance, Native American financial, 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.