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Upturn AI SWOT - About
HBAN 
Huntington Bancshares Incorporated (HBAN)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/27/2025: HBAN (3-star) is a STRONG-BUY. BUY since 26 days. Profits (9.43%). Updated daily EoD!
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
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Year Target Price $17.73
Year Target Price $17.73
| 12 | Strong Buy |
| 3 | Buy |
| 5 | Hold |
| 0 | Under performing |
| 1 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.02% | Avg. Invested days 54 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 24.18B USD | Price to earnings Ratio 12.77 | 1Y Target Price 17.94 |
Price to earnings Ratio 12.77 | 1Y Target Price 17.94 | ||
Volume (30-day avg) - | Beta 0.94 | 52 Weeks Range 11.80 - 17.91 | Updated Date 06/29/2025 |
52 Weeks Range 11.80 - 17.91 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.73% | Basic EPS (TTM) 1.3 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.83% | Operating Margin (TTM) 38.9% |
Management Effectiveness
Return on Assets (TTM) 1.03% | Return on Equity (TTM) 10.37% |
Valuation
Trailing PE 12.77 | Forward PE 11.71 | Enterprise Value 28910073856 | Price to Sales(TTM) 3.4 |
Enterprise Value 28910073856 | Price to Sales(TTM) 3.4 | ||
Enterprise Value to Revenue 5.94 | Enterprise Value to EBITDA - | Shares Outstanding 1456809984 | Shares Floating 1445696148 |
Shares Outstanding 1456809984 | Shares Floating 1445696148 | ||
Percent Insiders 0.93 | Percent Institutions 88.36 |
Analyst Ratings
Rating 4.24 | Target Price 17.73 | Buy 3 | Strong Buy 12 |
Buy 3 | Strong Buy 12 | ||
Hold 5 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Huntington Bancshares Incorporated
Company Overview
History and Background
Huntington Bancshares Incorporated was founded in 1866 as The Huntington National Bank in Columbus, Ohio. It has grown through acquisitions and organic expansion to become a major regional bank holding company.
Core Business Areas
- Commercial Banking: Provides a range of financial services to businesses, including lending, treasury management, and capital markets solutions.
- Consumer Banking: Offers traditional banking products and services to individuals, including checking and savings accounts, mortgages, credit cards, and auto loans.
- Wealth Management: Provides wealth management, trust, and investment services to individuals and families.
Leadership and Structure
Huntington Bancshares Incorporated is led by a board of directors and an executive management team. The company operates through various regional and functional units.
Top Products and Market Share
Key Offerings
- Commercial Lending: Loans to businesses for various purposes, including working capital, expansion, and acquisitions. Market share data not readily available. Competitors include JPMorgan Chase, Bank of America, and regional banks.
- Mortgages: Residential mortgage loans for home purchase and refinance. Market share data varies by region. Competitors include Rocket Mortgage, Wells Fargo, and other mortgage lenders.
- Credit Cards: Various credit card products with rewards and benefits. Market share data not readily available. Competitors include American Express, Capital One, and Chase.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, inflation, and increased competition from fintech companies. Consolidation is ongoing.
Positioning
Huntington Bancshares Incorporated is a super regional bank. Its competitive advantages include its strong regional presence, diversified business model, and customer-focused approach.
Total Addressable Market (TAM)
The TAM for banking services in the US is substantial (trillions of dollars). Huntington is positioned to capture a portion of this TAM with its regional focus and diverse offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Midwest
- Diversified business model
- Customer-focused approach
- Sound risk management practices
- Solid capital position
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Potential exposure to credit risk
- Operational inefficiencies
- Smaller market capitalization compared to larger national banks.
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in wealth management services
- Acquisitions of smaller banks
- Leveraging technology to improve efficiency
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
- PNC
Competitive Landscape
Huntington competes with national and regional banks. It has a strong regional presence but lacks the scale and resources of larger competitors. Huntington differentiates itself through customer service and community involvement.
Major Acquisitions
TCF Financial Corporation
- Year: 2021
- Acquisition Price (USD millions): 6000
- Strategic Rationale: Expanded Huntington's footprint into new markets and strengthened its position in the Midwest.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data must be extracted dynamically and added here
Future Projections: Future projections data must be extracted dynamically and added here
Recent Initiatives: Recent Initiatives must be extracted dynamically and added here
Summary
Huntington Bancshares is a regional bank with a solid presence in the Midwest. It has a diversified business model and is focused on customer service. However, it faces competition from larger banks and fintech companies, and its geographic concentration poses a risk. Huntington should focus on leveraging technology and expanding into new markets to drive future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Investor presentations
- Third-party financial data providers
- News articles
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Financial data can change rapidly, and past performance is not indicative of future results. 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 20092 | Website https://www.huntington.com |
Full time employees 20092 | 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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