Huntington Bancshares Incorporated (HBANM) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Huntington Bancshares Incorporated (HBANM) trades at $20.31 with AI Score 60/100 (Grade B+). Huntington Bancshares Incorporated is a regional bank holding company providing commercial, consumer, and mortgage banking services. Market cap: $33.7B, Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for HBANM: HBANM does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates HBANM against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
HBANM: 1/3 scored disciplines lean bullish. Dominant signal: Ken Griffin bearish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Huntington Bancshares Incorporated (HBANM) Financial Services Profile
Huntington Bancshares Incorporated, founded in 1866, is a regional bank holding company providing diverse financial services through its four segments, including consumer, commercial, vehicle finance, and private client group, operating approximately 1,000 branches across 11 states and demonstrating a commitment to serving individuals and businesses.
What Is the Investment Thesis for HBANM?
Huntington Bancshares Incorporated presents a compelling investment case based on its diversified revenue streams and strong regional presence. With a market capitalization of $33.7B and a P/E ratio of 10.67, the company demonstrates financial stability. A dividend yield of 4.06% offers an attractive return for investors. Growth catalysts include expansion of its digital banking services and strategic acquisitions to increase market share. However, potential risks include interest rate fluctuations and increased competition from larger national banks and fintech companies. The company's ability to maintain its profit margin of 17.7% and capitalize on growth opportunities will be crucial for long-term value creation.
Based on FMP financials and quantitative analysis
HBANM Key Highlights
Market Cap of $33.7B indicates substantial size and investor confidence.
- P/E Ratio of 10.67 suggests the company is reasonably valued compared to its earnings.
- Profit Margin of 17.7% demonstrates efficient operations and profitability.
- Dividend Yield of 4.06% provides an attractive income stream for investors.
- Beta of 0.97 indicates the stock's volatility is similar to the overall market.
Who Are HBANM's Competitors?
HBANM is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BBD Banco Bradesco S.A. provides banking products and services to individuals, corporates, and businesses in Brazil and internationally. The company | $3.05 | +0.33% | $32.3B | 59 |
| BBDO Banco Bradesco S.A. provides banking products and services to individuals, corporates, and businesses in Brazil and internationally. The company | $2.96 | -1.66% | $32.2B | 55 |
| BSBR Banco Santander (Brasil) S.A. | $5.57 | -0.54% | $41.7B | 46 |
| FITB Fifth Third Bancorp | $54.96 | -4.07% | $49.8B | 74 |
| KB KB Financial Group Inc. | $116.04 | -1.39% | $40.7B | 57 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HBANM's Key Strengths?
Diversified business segments providing multiple revenue streams.
- Strong regional presence and brand recognition in the Midwest.
- Established relationships with commercial and retail customers.
- Solid capital base and financial stability.
What Are HBANM's Weaknesses?
Limited geographic diversification compared to national banks.
- Vulnerability to interest rate fluctuations.
- Exposure to regional economic downturns.
- Dependence on traditional banking services in a rapidly evolving digital landscape.
What Could Drive HBANM Stock Higher?
Expansion of digital banking platforms to enhance customer experience and attract new customers.
- Strategic partnerships with fintech companies to offer innovative financial solutions.
- Focus on improving efficiency and reducing operating expenses.
- Potential acquisitions of smaller regional banks to expand geographic footprint.
What Are the Key Risks for HBANM?
Financial-distress signal — its Altman Z-Score of 0.34 sits in the distress zone (elevated bankruptcy risk).
- Interest rate fluctuations impacting net interest margin.
- Economic downturn leading to increased loan defaults.
- Increased competition from larger national banks and fintech companies.
- Cybersecurity threats and data breaches compromising customer information.
- Regulatory changes impacting capital requirements and compliance costs.
What Are the Growth Opportunities for HBANM?
- Expansion of Digital Banking Services: Huntington can capitalize on the increasing adoption of digital banking by expanding its online and mobile platforms. This includes offering more sophisticated digital tools for consumers and businesses, such as AI-powered financial advice and automated loan applications. The digital banking market is projected to reach $9 trillion by 2028, providing a significant opportunity for Huntington to attract and retain customers through enhanced digital experiences.
- Strategic Acquisitions: Huntington can pursue strategic acquisitions of smaller regional banks or fintech companies to expand its geographic footprint and service offerings. Acquisitions can provide access to new markets, technologies, and customer segments. The market for bank acquisitions is expected to remain active, with opportunities for Huntington to consolidate its position in the Midwest and beyond. Successful integration of acquired entities will be critical for realizing synergies and maximizing returns.
- Increased Focus on Wealth Management: Huntington can grow its wealth management business by offering personalized financial planning and investment services to high-net-worth individuals. This includes expanding its team of financial advisors and developing new investment products tailored to the needs of affluent clients. The wealth management market is projected to grow at a rate of 7% annually, driven by increasing wealth creation and demand for sophisticated financial advice.
- Enhanced Commercial Banking Solutions: Huntington can strengthen its commercial banking business by offering specialized solutions for specific industries, such as healthcare, technology, and franchise finance. This includes providing customized loan products, treasury management services, and capital raising solutions. The market for commercial banking services is expected to grow, driven by increased investment and expansion by businesses in these sectors. Huntington's expertise in these industries provides a competitive advantage.
- Vehicle Finance Expansion: Huntington can further expand its vehicle finance segment by building stronger relationships with franchised dealerships and offering competitive financing options to consumers. This includes leveraging technology to streamline the loan application process and improve customer service. The vehicle finance market is expected to remain strong, driven by continued demand for automobiles and light-duty trucks. Huntington's established presence in this market provides a solid foundation for growth.
What Are HBANM's Competitive Advantages?
- Strong regional presence in the Midwest.
- Long-standing customer relationships.
- Diversified revenue streams across multiple business segments.
- Expertise in specific industries, such as healthcare and technology.
What Does HBANM Do?
Huntington Bancshares Incorporated, established in 1866 and headquartered in Columbus, Ohio, operates as the bank holding company for The Huntington National Bank. The company provides a comprehensive suite of commercial, consumer, and mortgage banking services across the United States. Its operations are divided into four key segments: Consumer and Business Banking, Commercial Banking, Vehicle Finance, and Regional Banking and The Huntington Private Client Group (RBHPCG). The Consumer and Business Banking segment offers a wide array of financial products, including checking, savings, and money market accounts, certificates of deposit, credit cards, and various loan options. The Commercial Banking segment focuses on providing solutions for middle market businesses, government entities, and commercial real estate developers, offering specialized services for sectors like healthcare, technology, and franchise finance. The Vehicle Finance segment caters to both consumers and dealerships, providing financing for vehicle purchases and inventory acquisition. The RBHPCG segment delivers private banking, wealth and investment management, and retirement plan services. As of March 18, 2022, Huntington operated approximately 1,000 branches across 11 states, solidifying its presence as a major regional banking player.
What Products and Services Does HBANM Offer?
- Provides commercial banking services to middle market businesses and government entities.
- Offers consumer banking services, including checking and savings accounts.
- Provides mortgage banking services for home purchases and refinancing.
- Offers vehicle financing to consumers and dealerships.
- Provides private banking, wealth management, and retirement plan services.
- Offers online, mobile, and telephone banking services.
How Does HBANM Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as wealth management and investment banking.
- Profits from the spread between deposit interest paid and loan interest earned.
- Provides treasury management services for businesses.
What Industry Does HBANM Operate In?
Huntington Bancshares operates within the regional banking sector, which is characterized by increasing competition from both larger national banks and fintech companies. The industry is also subject to evolving regulatory requirements and interest rate fluctuations. Huntington's focus on providing tailored services to specific industries, such as healthcare and technology, allows it to differentiate itself. The regional banking sector is expected to grow moderately, driven by increased demand for loans and financial services from small and medium-sized businesses.
Who Are HBANM's Key Customers?
- Individual consumers seeking banking and financial services.
- Small businesses requiring loans and treasury management.
- Middle market businesses needing commercial banking solutions.
- High-net-worth individuals seeking wealth management services.
Insider Activity
Over the past six months, Huntington Bancshares Incorporated insiders filed 15 SEC Form 4 transactions — 2 sales and 13 purchases. On net that is roughly 13K shares disposed (about $481K), a signal worth weighing alongside the fundamentals.
Forward Outlook
Wall Street analysts project Huntington Bancshares Incorporated revenue of about $11.26B for fiscal 2026, with EPS near $1.40. The estimate reflects 7 contributing analysts.
Financial Health
Huntington Bancshares Incorporated's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.34 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for Huntington Bancshares Incorporated stands at 8.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. HBANM trades at a trailing price-to-earnings ratio of 15.01, below the Financial Services sector average of ~18x. Its free cash flow yield is 6.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 20.08 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 6.7%, the inverse of the P/E and a quick read on earnings relative to price.
Huntington Bancshares Incorporated (HBANM) Valuation Context
Valued at $33.7B, HBANM is classified as a large-cap stock. Relative to its peer group, HBANM's quantitative score of 60/100 is roughly in line with the peer average of 58/100.
Company Profile
Huntington Bancshares Incorporated operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Columbus, US. The company is led by CEO Stephen D. Steinour. HBANM has traded publicly since 2021.
HBANM Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating belief in its growth potential.
- Community sentiment has shifted positively, with discussions highlighting Huntington's strong regional presence and customer loyalty.
- Analysts have noted improvements in operational efficiency, which could enhance profitability moving forward.
- The bank's strategic focus on digital transformation resonates well with investors, reflecting a commitment to innovation and customer service.
Bear Case
- Concerns about rising interest rates have led to skepticism about the bank's ability to maintain its margin, creating unease among investors.
- Social sentiment shows a growing number of discussions around potential regulatory challenges that could impact profitability.
- Some community members express doubts about the bank's ability to compete with larger financial institutions, fearing it may struggle to attract new customers.
- Recent market volatility has led to a cautious outlook, with investors wary of potential economic downturns affecting lending and consumer behavior.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
HBANM Latest News
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Street Calls of the Week
Investing.com · Aug 2, 2026
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Analyst Report: Huntington Bancshares Incorporated
Morningstar Research · Jul 23, 2026
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Stephens Restarts Coverage of Huntington Bancshares (HBAN) as Operating Leverage Improves
Yahoo! Finance: HBANM News · Jun 28, 2026
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Huntington Bancshares Incorporated Declares Cash Dividend On Its Series I Preferred Stock
prnewswire.com · Jun 25, 2026
HBANM Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for HBANM.
Price Targets
Wall Street price target analysis for HBANM.
HBANM MoonshotScore
What does this score mean?
The MoonshotScore rates HBANM 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Latest News
Street Calls of the Week
Analyst Report: Huntington Bancshares Incorporated
Stephens Restarts Coverage of Huntington Bancshares (HBAN) as Operating Leverage Improves
Huntington Bancshares Incorporated Declares Cash Dividend On Its Series I Preferred Stock
Leadership: Stephen D. Steinour
Chairman, President and Chief Executive Officer
Stephen D. Steinour has served as the Chairman, President, and CEO of Huntington Bancshares Incorporated since 2009. Prior to joining Huntington, he was a managing partner at CrossHarbor Capital Partners. Steinour also held executive positions at Citizens Financial Group and Bank of America. He holds a bachelor's degree in economics from Washington and Lee University and an MBA from Dartmouth College.
Track Record: Under Stephen Steinour's leadership, Huntington Bancshares has experienced significant growth and expansion. Key achievements include the acquisition of TCF Financial Corporation in 2021, which significantly expanded Huntington's presence in the Midwest. Steinour has also focused on enhancing Huntington's digital capabilities and improving customer experience, leading to increased customer satisfaction and loyalty.
HBANM Financial Services Stock FAQ
What does the AI Score mean for HBANM?
HBANM holds an AI Score of 60/100 (Grade: B+). This is an educational research signal, not a buy or sell recommendation. Huntington Bancshares Incorporated is a regional bank holding company providing commercial, consumer, and mortgage banking services. The company operates through four segments, offering a range …
What does Huntington Bancshares Incorporated do?
Huntington Bancshares Incorporated operates as a regional bank holding company, providing a wide range of financial services through its subsidiary, The Huntington National Bank. These services include consumer and business banking, commercial banking, vehicle finance, and private client group services.
What do analysts say about HBANM stock?
Analyst consensus on HBANM stock is mixed, with ratings ranging from hold to buy. Key valuation metrics, such as the P/E ratio of 10.67, suggest the company is reasonably valued. Growth considerations include the company's ability to expand its digital banking services, integrate acquisitions, and manage interest rate risk.
What are the main risks for HBANM?
Huntington Bancshares Incorporated faces several key risks, including interest rate risk, credit risk, and competition. Interest rate fluctuations can impact the company's net interest margin, while an economic downturn could lead to increased loan defaults. The company also faces intense competition from larger national banks and fintech companies, which could put pressure on its market share and profitability.
What regulatory challenges does Huntington Bancshares Incorporated face?
Huntington Bancshares Incorporated, like all banks, operates under a stringent regulatory environment governed by federal and state agencies. Key regulations include capital requirements, designed to ensure banks have sufficient capital to absorb losses; compliance with the Dodd-Frank Act, which mandates stress testing and enhanced risk management; and adherence to consumer protection laws, such as the Truth in Lending Act.
What is Huntington Bancshares Incorporated's credit quality and risk management approach?
Huntington Bancshares Incorporated maintains a disciplined approach to credit quality and risk management. The company's loan portfolio is diversified across various industries and geographies to mitigate concentration risk. Huntington employs rigorous underwriting standards and credit monitoring processes to assess and manage credit risk. The company also maintains adequate provision levels to cover potential loan losses.
What are the key factors to evaluate for HBANM?
Huntington Bancshares Incorporated (HBANM) holds an AI score of 60/100 (moderate). Huntington Bancshares Incorporated presents a compelling investment case based on its diversified revenue streams and strong regional presence. Not financial advice.
How frequently does HBANM data refresh on this page?
HBANM's price was last updated on Aug 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven HBANM's recent stock price performance?
Huntington Bancshares Incorporated (HBANM) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified business segments providing multiple revenue streams. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of March 17, 2026.
- AI analysis is pending and may provide further insights.