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Upturn AI SWOT - About
HBAN 
Huntington Bancshares Incorporated (HBAN)
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Upturn Advisory Summary
08/14/2025: HBAN (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
21 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $19.17
1 Year Target Price $19.17
| 12 | Strong Buy |
| 3 | Buy |
| 5 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 9% | Avg. Invested days 58 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 24.52B USD | Price to earnings Ratio 12.54 | 1Y Target Price 19.17 |
Price to earnings Ratio 12.54 | 1Y Target Price 19.17 | ||
Volume (30-day avg) 21 | Beta 0.96 | 52 Weeks Range 11.80 - 17.91 | Updated Date 08/15/2025 |
52 Weeks Range 11.80 - 17.91 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.71% | Basic EPS (TTM) 1.34 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-18 | When Before Market | Estimate 0.33 | Actual 0.34 |
Profitability
Profit Margin 29.14% | Operating Margin (TTM) 36.38% |
Management Effectiveness
Return on Assets (TTM) 1.05% | Return on Equity (TTM) 10.51% |
Valuation
Trailing PE 12.54 | Forward PE 11.81 | Enterprise Value 33350428672 | Price to Sales(TTM) 3.39 |
Enterprise Value 33350428672 | Price to Sales(TTM) 3.39 | ||
Enterprise Value to Revenue 5.78 | Enterprise Value to EBITDA - | Shares Outstanding 1458909952 | Shares Floating 1447421402 |
Shares Outstanding 1458909952 | Shares Floating 1447421402 | ||
Percent Insiders 0.92 | Percent Institutions 91.29 |
Upturn AI SWOT
Huntington Bancshares Incorporated
Company Overview
History and Background
Huntington Bancshares Incorporated was founded in 1866 in Columbus, Ohio. It has grown through acquisitions and organic expansion to become a major regional bank holding company.
Core Business Areas
- Commercial Banking: Offers lending, treasury management, and capital markets services to businesses of all sizes.
- Consumer Banking: Provides retail banking services including checking and savings accounts, mortgages, and credit cards.
- Wealth Management: Offers investment management, trust, and financial planning services to individuals and families.
Leadership and Structure
The CEO is Steve Steinour. The organizational structure includes business line leaders and functional heads reporting to the CEO. A board of directors governs the corporation.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses for working capital, equipment, and expansion. Market share varies regionally. Competitors include JPMorgan Chase, Bank of America, and Wells Fargo.
- Mortgages: Offers residential mortgages to consumers. Market share varies by region and interest rate environment. Competitors include Rocket Mortgage, US Bank and local lenders.
- Credit Cards: Provides various consumer credit card products. Competitors include Capital One, American Express, and Chase.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges including rising interest rates, increased competition from fintech companies, and regulatory pressures.
Positioning
Huntington Bancshares Incorporated is a large regional bank with a strong presence in the Midwest. Its competitive advantages include a strong brand reputation, a diversified business mix, and a focus on customer service.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated to be in the trillions of dollars. Huntington Bancshares Incorporated is positioned to capture a portion of this market through its regional focus and diversified product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Midwest
- Diversified business mix
- Strong brand reputation
- Focus on customer service
- Healthy Capital Ratios
Weaknesses
- Geographic concentration
- Exposure to regional economic conditions
- Smaller national presence than larger competitors
- Dependence on interest rate spread
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in wealth management services
- Strategic acquisitions
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
Competitive Landscape
Huntington Bancshares Incorporated faces intense competition from larger national banks and regional players. Its competitive advantages include a strong regional presence and a focus on customer service.
Major Acquisitions
TCF Financial Corporation
- Year: 2021
- Acquisition Price (USD millions): 6000
- Strategic Rationale: Expanded Huntington's presence in the Midwest and provided significant cost synergies.
Growth Trajectory and Initiatives
Historical Growth: Huntington Bancshares Incorporated has experienced moderate growth in recent years, driven by acquisitions and organic expansion.
Future Projections: Analysts project moderate revenue growth for Huntington Bancshares Incorporated in the coming years. Earnings growth is expected to be driven by cost controls and improved efficiency.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion of wealth management services, and strategic acquisitions.
Summary
Huntington Bancshares is a solid regional bank with a strong presence in the Midwest. Its diversified business mix and focus on customer service are strengths, but it faces threats from larger competitors and changing market conditions. The TCF acquisition provides a growth opportunity but integration risk needs managing. Its regional concentration exposes it to economic downturns. They should watch out for cybersecurity threats and competition from fin-techs
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Analyst reports
- Press releases
- Market data providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on your own research and due diligence.
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 20166 | Website https://www.huntington.com |
Full time employees 20166 | 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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