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Huntington Bancshares Incorporated (HBANL)
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Upturn Advisory Summary
11/04/2025: HBANL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -1.94% | Avg. Invested days 70 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/04/2025 |
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) - | Beta 0.94 | 52 Weeks Range 22.87 - 26.04 | Updated Date 06/29/2025 |
52 Weeks Range 22.87 - 26.04 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 6.80% | Basic EPS (TTM) - |
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 - | Forward PE - | Enterprise Value 41394950144 | Price to Sales(TTM) - |
Enterprise Value 41394950144 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 1445696148 |
Shares Outstanding - | Shares Floating 1445696148 | ||
Percent Insiders - | Percent Institutions 33.94 |
Upturn AI SWOT
Huntington Bancshares Incorporated
Company Overview
History and Background
Huntington Bancshares Incorporated was founded in 1866 in Columbus, Ohio. It evolved from a real estate and insurance business into a full-service commercial bank. Through strategic acquisitions and organic growth, it has expanded its footprint across the Midwest.
Core Business Areas
- Commercial Banking: Provides a range of financial services to businesses, including loans, treasury management, and capital markets solutions.
- Consumer Banking: Offers retail banking products and services, such as checking and savings accounts, mortgages, credit cards, and personal loans.
- Wealth & Investment Management: Provides wealth management, investment advisory, and trust services to individuals and institutions.
Leadership and Structure
The CEO is Stephen D. Steinour. The company operates under a traditional corporate structure with a board of directors and executive management team overseeing its various business segments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Huntington offers a variety of commercial loans, including term loans, lines of credit, and real estate financing. Market share data is proprietary but Huntington is a key lender in its geographic footprint. Competitors include JPMorgan Chase, Bank of America, and regional banks.
- Mortgages: Offers fixed-rate, adjustable-rate, and government-insured mortgages. Huntington's mortgage origination volume places them as a major player in the Midwest market. Competitors include Wells Fargo, Rocket Mortgage, and other regional and national mortgage lenders.
- Checking Accounts: Provides a variety of checking account options. Huntington is known for its '24-Hour Grace' service. Competitors include Chase, PNC, and other local banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive, with increasing regulation and evolving customer expectations. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
Huntington is positioned as a regional bank focused on the Midwest, emphasizing customer service and community involvement. Its competitive advantages include its strong regional presence and focus on relationship banking.
Total Addressable Market (TAM)
The TAM for banking services is trillions of dollars. Huntington is positioned to capture a share of the Midwest market, estimated to be in the billions, by offering personalized service and local expertise.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Midwest
- Customer-focused approach
- Diverse product and service offerings
- Sound financial management
Weaknesses
- Limited geographic diversification
- Reliance on interest rate environment
- Vulnerability to regional economic downturns
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Strategic acquisitions
Threats
- Increased competition from national banks and fintech companies
- Regulatory changes
- Economic downturns
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- PNC
- USB
Competitive Landscape
Huntington's advantages include its regional focus and customer service. Disadvantages include its smaller scale compared to national banks and limited geographic diversification.
Major Acquisitions
TCF Financial Corporation
- Year: 2021
- Acquisition Price (USD millions): 6000
- Strategic Rationale: Expanded Huntington's footprint into new markets in the Midwest and provided significant cost synergies.
Growth Trajectory and Initiatives
Historical Growth: Huntington's historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Future growth projections depend on various factors, including economic conditions and management strategy. Analyst estimates are available from financial data providers.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of wealth management services, and cost optimization programs.
Summary
Huntington Bancshares is a regional bank with a strong presence in the Midwest. Its customer-focused approach and diverse service offerings are strengths. However, its geographic concentration and reliance on the interest rate environment pose challenges. Huntington needs to look out for increasing competition and regulatory changes.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Huntington Bancshares Investor Relations
- SEC Filings
- Financial Data Providers (e.g., Yahoo Finance, Bloomberg)
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share figures are estimates and may vary depending on the source. Investment decisions should be based on independent research and consultation with a qualified financial advisor.
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 2023-03-06 | 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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