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Huntington Bancshares Incorporated(HBANL)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for HBANL
09/04/2026: HBANL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Huntington Bancshares is an established regional bank focused primarily on the Midwest, operating through a diversified mix of commercial, consumer, and wealth management services. The company has a solid reputation for customer loyalty, supported by its 'Fair Play' banking initiatives, and has successfully used M&A to grow its scale. Its primary growth story revolves around digital transformation and expanding its commercial footprint. However, investors face risks related to regional economic cycles, interest rate sensitivity, and intense competition from larger banks and fintech firms. Huntington is likely suited for income-focused and value-oriented investors who monitor the balance between loan growth and credit risk management.
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.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Huntington is a mature regional bank with moderate growth prospects tied to economic cycles rather than rapid scaling. |
| Momentum investor | Mixed fit | The stock is generally dependent on broader financial sector sentiment and interest rate trends rather than unique momentum catalysts. |
| Value investor | Strong fit | The stock often trades at valuations that appeal to value investors looking for steady dividends and solid book value support. |
| Dividend investor | Strong fit | The company offers a reliable dividend yield consistent with established regional banking institutions. |
| Low-risk investor | Mixed fit | While established, the stock is subject to industry-specific volatility and economic sensitivity. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Financial stocks are inherently sensitive to interest rate expectations and economic outlooks. |
| Valuation risk | Low | The stock often trades in line with sector multiples, limiting extreme valuation risk. |
| Competition risk (banking) | Medium / high | Intense competition from national and digital banks pressures deposit pricing and loan margins. |
| Business quality | Strong | Huntington possesses a long operating history and a stable, diversified deposit base. |
| Dividend income | Medium | Dividends are generally stable but depend on earnings stability within the cyclical banking sector. |
| Execution risk | Medium | Success depends on the effective integration of past acquisitions and ongoing cost management. |
Price Behavior
Flat / Range-Bound
The stock price has been trading within a narrow range with minimal directional movement.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit -0.38% | Avg. Invested days 79 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/04/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 19.2K shares | Beta 0.94 | 52 Weeks Range 23.77 - 25.45 | Updated Date 09/06/2026 |
52 Weeks Range 23.77 - 25.45 | Updated Date 09/06/2026 | ||
Dividends yield (FY) 2.46% | Basic EPS (TTM) - |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans (commercial, auto, mortgage) minus interest paid on deposits. | The primary way the bank makes money by borrowing at lower rates and lending at higher rates. |
| Non-Interest Income | Service fees, wealth management fees, and mortgage banking income. | Revenue earned from banking services and customer fees, providing stability when interest rates fluctuate. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE - | Forward PE - | Enterprise Value 59.82B | Price to Sales(TTM) - |
Enterprise Value 59.82B | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 2.01B |
Shares Outstanding - | Shares Floating 2.01B | ||
Percent Insiders - | Percent Institutions 30.75 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
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)
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)
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)
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)
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)
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)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
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)
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)
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)
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)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
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)
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)
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 2023-03-06 | Chairman, President & CEO Mr. Stephen D. Steinour | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 25527 | Website https://www.huntington.com |
Full time employees 25527 | 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. 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.
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