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Upturn AI SWOT - About
Huntington Bancshares Incorporated (HBANL)
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Upturn Advisory Summary
06/30/2025: HBANL (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $
1 Year Target Price $
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.71% | Avg. Invested days 67 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
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 savings and loan association to a full-service commercial bank, expanding through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers lending, treasury management, and capital markets solutions to businesses of all sizes.
- Consumer Banking: Provides retail banking services, including checking and savings accounts, mortgages, auto loans, and credit cards.
- Wealth and Investment Management: Offers financial planning, investment management, trust services, and insurance products to individuals and institutions.
Leadership and Structure
The company is led by its CEO, Steve Steinour. Huntington operates with a traditional hierarchical structure, organized into business lines and support functions.
Top Products and Market Share
Key Offerings
- Checking Accounts: Various checking account options tailored to different customer needs. Market share is regional, competing with national and regional banks. Competitors: Chase, Bank of America, PNC.
- Commercial Loans: Provides loans to businesses for working capital, expansion, and other purposes. Competitors include: JP Morgan, Wells Fargo, KeyCorp.
- Mortgages: Offers mortgage products for home purchases and refinancing. Competitors include Rocket Mortgage, Wells Fargo, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased competition from fintech companies, and evolving regulatory landscape.
Positioning
Huntington is a regional bank with a strong presence in the Midwest. Its competitive advantages include its customer service focus and deep understanding of local markets.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is estimated to be in the trillions of dollars. Huntington is positioned to capture a portion of this market through its regional focus and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong Regional Presence
- Customer-Focused Approach
- Diversified Product Offerings
- Sound Risk Management
Weaknesses
- Limited National Presence
- Dependence on Midwest Economy
- Lower Brand Recognition Compared to National Banks
- Slower Technology Adoption Compared to Fintechs
Opportunities
- Expansion into New Markets
- Increased Digital Banking Adoption
- Strategic Acquisitions
- Growth in Wealth Management Services
Threats
- Rising Interest Rates
- Increased Competition from Fintech Companies
- Economic Downturn
- Regulatory Changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- PNC
- KEY
Competitive Landscape
Huntington Bancshares faces strong competition from national banks with greater resources and brand recognition. Its advantage lies in its regional expertise and customer relationships.
Major Acquisitions
TCF Financial Corporation
- Year: 2021
- Acquisition Price (USD millions): 6000
- Strategic Rationale: Expanded Huntington's footprint into new markets and strengthened its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Data needs to be input from financial sources.
Future Projections: Data needs to be input from financial sources.
Recent Initiatives: Huntington has recently focused on expanding its digital banking capabilities and investing in technology to improve customer experience.
Summary
Huntington Bancshares is a regional bank with a strong presence in the Midwest. While it faces competition from larger national banks, its focus on customer service and regional expertise are key strengths. Challenges include navigating rising interest rates and adapting to the evolving fintech landscape. The acquisition of TCF Financial Corporation positions them for growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may vary.
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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