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Upturn AI SWOT - About
Huntington Bancshares Incorporated (HBANL)
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Upturn Advisory Summary
08/28/2025: 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 -2.18% | Avg. Invested days 62 | 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 08/28/2025 |
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 and headquartered in Columbus, Ohio. It has grown through acquisitions and organic expansion, evolving into a regional bank holding company providing a range of financial services.
Core Business Areas
- Commercial Banking: Offers lending, treasury management, and capital markets services to businesses.
- Consumer Banking: Provides checking, savings, mortgage, and credit card products to individuals.
- Wealth Management: Offers investment management, trust services, and financial planning.
Leadership and Structure
The leadership team is headed by Stephen D. Steinour as Chairman, President, and CEO. The organizational structure includes various departments such as Commercial Banking, Consumer Banking, and Wealth Management, each led by senior executives.
Top Products and Market Share
Key Offerings
- Commercial Loans: Includes various types of loans for businesses, such as term loans, lines of credit, and commercial real estate loans. Market share information is not available at this granular level. Competitors include regional and national banks like PNC, Fifth Third, and JPMorgan Chase.
- Mortgage Lending: Offers mortgage products for home purchases and refinances. Market share information is not available at this granular level. Competitors include Rocket Mortgage, Wells Fargo, and Chase.
- Checking Accounts: Provides various checking account options for consumers and businesses. Market share information is not available at this granular level. Competitors include Chase, Bank of America, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is undergoing digital transformation, increased regulatory scrutiny, and economic uncertainty. Competition is intense, with both traditional banks and fintech companies vying for market share.
Positioning
Huntington Bancshares Incorporated positions itself as a relationship-focused regional bank with a strong presence in the Midwest. It aims to provide personalized service and tailored financial solutions. Its competitive advantage lies in its regional focus and established customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is estimated at trillions of dollars. Huntington's market share in its core regions, while significant, represents a fraction of this total TAM, indicating substantial growth potential.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Midwest
- Established customer relationships
- Diversified revenue streams
- Solid credit quality
Weaknesses
- Geographic concentration limits growth opportunities
- Smaller scale compared to national banks
- Reliance on net interest income
- Potential exposure to regional economic downturns
Opportunities
- Expansion into new markets through acquisitions or organic growth
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Rising interest rates can increase net interest margin
Threats
- Increased competition from fintech companies
- Economic downturns can impact loan portfolio quality
- Regulatory changes can increase compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- FITB
- KEY
Competitive Landscape
Huntington Bancshares faces intense competition from larger national banks and regional peers. Its advantages include a strong regional presence and established customer relationships. Disadvantages include a smaller scale and geographic concentration.
Major Acquisitions
TCF Financial Corporation
- Year: 2021
- Acquisition Price (USD millions): 6000
- Strategic Rationale: Expanded Huntington's presence in the Midwest and increased its scale.
Growth Trajectory and Initiatives
Historical Growth: Huntington has grown steadily through acquisitions and organic expansion. Growth has been driven by increased lending activity and wealth management services.
Future Projections: Analyst projections vary, but generally anticipate continued growth in revenue and earnings, driven by a favorable economic environment and strategic initiatives.
Recent Initiatives: Recent initiatives include investments in digital banking technologies, expansion into new markets, and strategic acquisitions.
Summary
Huntington Bancshares Incorporated is a strong regional bank with solid financials and a well-defined strategy. Its strengths lie in its established customer base and strong regional presence. It needs to watch out for increased competition from fintech companies and potential economic downturns, as well as geographic limitations. Its recent acquisitions should benefit its growth trajectory.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Market Research Reports
- SEC.gov
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share estimates are based on available data and may not be exact.
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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