Huntington Bancshares Incorporated (HBANP) 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 (HBANP) trades at $16.42 with AI Score 64/100 (Grade B+). Huntington Bancshares Incorporated is a regional bank holding company providing commercial, consumer, and mortgage banking services. Market cap: $35.0B, Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for HBANP: HBANP 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 HBANP against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
HBANP: 1/2 scored disciplines lean bullish. Dominant signal: Izzy Englander bullish.
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 (HBANP) Financial Services Profile
Huntington Bancshares Incorporated, a regional bank holding company founded in 1866, offers diverse financial services, including consumer, commercial, and vehicle financing. Operating across 11 states with approximately 1,000 branches, Huntington distinguishes itself through its regional focus and comprehensive suite of banking solutions, maintaining a competitive edge in the financial services sector.
What Is the Investment Thesis for HBANP?
Huntington Bancshares Incorporated presents a compelling investment case based on its diversified revenue streams and strategic market positioning. With a P/E ratio of 10.83 and a dividend yield of 4.00%, the company offers a blend of value and income. A profit margin of 17.7% and a gross margin of 61.7% indicate efficient operations. Key growth catalysts include expansion of its digital banking platform and strategic acquisitions to enhance market share in the Midwest. However, potential risks include interest rate volatility and increased competition from larger national banks and fintech companies. The company's beta of 0.97 suggests moderate volatility relative to the market.
Based on FMP financials and quantitative analysis
HBANP Key Highlights
Market capitalization of $35.0B reflects Huntington's significant presence in the regional banking sector.
- P/E ratio of 10.83 indicates a potentially undervalued stock compared to its earnings.
- Dividend yield of 4.00% offers an attractive income stream for investors.
- Profit margin of 17.7% demonstrates efficient profitability in a competitive banking environment.
- Gross margin of 61.7% highlights effective cost management and revenue generation.
Who Are HBANP's Competitors?
HBANP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CFG Citizens Financial Group, Inc. | $70.76 | -3.68% | $29.9B | 84 |
| FCNCA First Citizens BancShares, Inc. | $2170.72 | -1.67% | $24.7B | 84 |
| FITB Fifth Third Bancorp | $54.50 | -0.84% | $49.4B | 74 |
| KB KB Financial Group Inc. | $116.04 | -1.39% | $40.7B | 57 |
| MTB M&T Bank Corporation | $243.00 | -0.63% | $35.2B | 87 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| 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 HBANP's Key Strengths?
Strong regional brand recognition in the Midwest.
- Diversified business model with multiple revenue streams.
- Solid capital base and liquidity position.
- Experienced management team.
What Are HBANP's Weaknesses?
Limited geographic footprint compared to national banks.
- Exposure to regional economic conditions.
- Dependence on interest rate spreads.
- Potential for increased competition from fintech companies.
What Could Drive HBANP Stock Higher?
Continued expansion of digital banking platform to attract and retain customers.
- Strategic acquisitions to increase market share and expand service offerings.
- Growth in wealth management business driven by increasing affluence.
- Expansion of commercial lending activities targeting small and medium-sized businesses.
What Are the Key Risks for HBANP?
Financial-distress signal — its Altman Z-Score of 0.34 sits in the distress zone (elevated bankruptcy risk).
- Rising interest rates could negatively impact net interest margin.
- Economic recession could lead to increased loan losses.
- Increased competition from larger national banks and fintech companies.
- Cybersecurity threats could compromise customer data and disrupt operations.
What Are the Growth Opportunities for HBANP?
- Expansion of Digital Banking Platform: Huntington can capitalize on the increasing demand for digital banking services by enhancing its online and mobile platforms. Investing in user-friendly interfaces, advanced security features, and personalized financial advice can attract and retain customers. The digital banking market is projected to reach $9.0 trillion in transaction value by 2027, offering a substantial growth opportunity. Timeline: Ongoing.
- Strategic Acquisitions: Huntington can pursue strategic acquisitions of smaller regional banks or fintech companies to expand its market share and service offerings. Acquisitions can provide access to new customer segments, geographic markets, and technological capabilities. The banking industry is undergoing consolidation, creating opportunities for Huntington to acquire undervalued assets. Timeline: Ongoing.
- Increased Focus on Wealth Management: Huntington can grow its wealth management business by offering personalized financial planning, investment management, and retirement planning services to high-net-worth individuals. The wealth management market is expected to grow at a rate of 7% annually, driven by increasing affluence and demand for financial advice. Timeline: Ongoing.
- Expansion of Commercial Lending: Huntington can expand its commercial lending business by targeting small and medium-sized businesses in its existing markets and new geographic areas. Offering competitive loan products, personalized service, and industry expertise can attract borrowers. The commercial lending market is projected to grow at a rate of 5% annually, driven by increasing business investment and expansion. Timeline: Ongoing.
- Enhancement of Vehicle Finance Segment: Huntington can further develop its vehicle finance segment by expanding its partnerships with franchised dealerships and offering innovative financing solutions to consumers. The vehicle finance market is expected to grow, driven by increasing auto sales and demand for financing options. Timeline: Ongoing.
What Are HBANP's Competitive Advantages?
- Strong regional presence in the Midwest.
- Diversified revenue streams across multiple business segments.
- Established relationships with customers and communities.
- Conservative risk management practices.
What Does HBANP Do?
Huntington Bancshares Incorporated, established in 1866 and headquartered in Columbus, Ohio, functions as the bank holding company for The Huntington National Bank. It delivers a wide array of commercial, consumer, and mortgage banking services throughout the United States. The company's 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 provides a suite of financial products and services, encompassing checking, savings, and money market accounts, certificates of deposit, credit cards, and various loan options, including consumer and small business loans, alongside investment products. This segment also offers mortgages, insurance solutions, interest rate risk protection, foreign exchange services, ATM access, and treasury management, complemented by online, mobile, and telephone banking. The Commercial Banking segment caters to middle market businesses, government and public sector entities, and commercial real estate developers/REITs with regional commercial banking solutions. It also specializes in healthcare, technology and telecommunications, franchise finance, sponsor finance, and global services industries. The Vehicle Finance segment focuses on financing for automobiles, light-duty trucks, recreational vehicles, and marine craft, serving both consumers and franchised dealerships. 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 significant regional banking institution.
What Products and Services Does HBANP Offer?
- Provides checking and savings accounts to consumers and businesses.
- Offers mortgage loans for home purchases and refinancing.
- Provides credit cards with various rewards and benefits.
- Offers commercial loans to businesses of all sizes.
- Provides vehicle financing to consumers and dealerships.
- Offers wealth management and investment services to individuals and families.
- Provides treasury management services to businesses.
How Does HBANP Make Money?
- Generates revenue from interest income on loans.
- Earns fees from services such as account maintenance, credit card transactions, and wealth management.
- Manages risk through diversification of loan portfolio and adherence to regulatory requirements.
What Industry Does HBANP Operate In?
Huntington Bancshares operates within the regional banking sector, which is characterized by increasing consolidation and competition from both traditional banks and fintech companies. The industry is influenced by macroeconomic factors such as interest rates, economic growth, and regulatory changes. Huntington's focus on the Midwest region allows it to cater to specific local market needs, but it also faces competition from larger national banks and smaller community banks. The regional banking sector is expected to see moderate growth, driven by increased demand for loans and financial services from small and medium-sized businesses.
Who Are HBANP's Key Customers?
- Individual consumers seeking personal banking services.
- Small businesses requiring loans and treasury management.
- Middle-market companies needing commercial banking solutions.
- High-net-worth individuals seeking wealth management services.
- Automobile dealerships requiring financing for inventory.
Huntington Bancshares Incorporated (HBANP) Valuation Context
Valued at $35.0B, HBANP is classified as a large-cap stock. Relative to its peer group, HBANP's quantitative score of 64/100 is below the peer average of 77/100.
HBANP Revenue & Earnings Trend
In Q2 2026, HBANP generated $4.17B in top-line revenue, marking a sequential increase of 10.6%. The company recorded net income of $727.0M, with diluted EPS of $0.38. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this large-cap Financial Services company. Across the four most recent quarters, HBANP averaged $0.33 in diluted EPS.
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. HBANP has traded publicly since 2021.
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. HBANP 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.
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.
Earnings Track Record
Huntington Bancshares Incorporated has beaten Wall Street's EPS estimate in 4 of its last 6 reported quarters — more hits than misses. Reported results have landed about 4.5% above estimates on average.
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.
HBANP 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 that executives believe in the growth potential of Huntington Bancshares.
- Community sentiment has shifted positively as recent news highlights the bank's strong loan growth and improved credit quality, fostering optimism among investors.
- Analysts have noted that Huntington's strategic focus on expanding its digital banking services aligns with current market trends, appealing to a tech-savvy customer base.
- The overall economic recovery has bolstered expectations for regional banks, including Huntington, as businesses and consumers seek more banking services.
Bear Case
- Concerns about rising interest rates have created anxiety among investors, as higher rates could pressure loan demand and profitability for banks like Huntington.
- Recent discussions in the community reflect skepticism about the bank's ability to maintain its competitive edge amid increasing competition from fintech companies.
- Market sentiment has been cautious due to potential regulatory changes that could impact the banking sector, leading to uncertainty about future performance.
- Some investors are wary of the bank's exposure to commercial real estate, which could pose risks if economic conditions worsen.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $4.17B | $727M | $0.38 |
| Q1 2026 | $3.77B | $523M | $0.25 |
| Q4 2025 | $3.25B | $519M | $0.30 |
| Q3 2025 | $3.23B | $629M | $0.41 |
Based on FMP financials and quantitative analysis
HBANP 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
HBANP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for HBANP.
Price Targets
Wall Street price target analysis for HBANP.
HBANP MoonshotScore
What does this score mean?
The MoonshotScore rates HBANP 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Stephen D. Steinour
Chairman, President and Chief Executive Officer
Stephen D. Steinour has served as Chairman, President, and CEO of Huntington Bancshares Incorporated since 2009. Prior to joining Huntington, he was a managing partner at CrossHarbor Capital Partners. His extensive background includes leadership roles at Citizens Financial Group, where he served as vice chairman, and Bank One Corporation, where he was the chief of the consumer financial services group. Steinour holds an MBA from Harvard Business School and a bachelor's degree from Washington & Lee University.
Track Record: Under Stephen Steinour's leadership, Huntington Bancshares has undergone significant transformation and growth. Key achievements include the successful integration of several acquisitions, expansion of the bank's digital capabilities, and improvement in key financial metrics such as profitability and efficiency. He has also focused on strengthening the bank's community involvement and corporate social responsibility initiatives.
Huntington Bancshares Incorporated Financial Services Stock: Key Questions Answered
What does the AI Score mean for HBANP?
HBANP holds an AI Score of 64/100 (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. With a history dating back to 1866, it operates approximately …
What does Huntington Bancshares Incorporated do?
Huntington Bancshares Incorporated operates as a regional bank holding company, providing a comprehensive suite of financial services through The Huntington National Bank. Its services include consumer and business banking, commercial banking, vehicle finance, and wealth management. The company offers checking and savings accounts, loans, credit cards, mortgages, and investment products to individuals, small businesses, and commercial clients.
What do analysts say about HBANP stock?
Analyst consensus on Huntington Bancshares Incorporated (HBANP) stock reflects a generally positive outlook, citing the company's strong regional presence and diversified business model. Key valuation metrics such as P/E ratio and dividend yield suggest a potentially undervalued stock with attractive income potential. Growth considerations include the company's expansion of its digital banking platform and strategic acquisitions.
What are the main risks for HBANP?
Huntington Bancshares Incorporated faces several key risks, including interest rate risk, credit risk, and operational risk. Rising interest rates could negatively impact the company's net interest margin, while an economic recession could lead to increased loan losses. Increased competition from larger national banks and fintech companies could erode market share.
How does Huntington Bancshares Incorporated make money in financial services?
Huntington Bancshares Incorporated generates revenue primarily through net interest income, which is the difference between the interest earned on loans and investments and the interest paid on deposits. The company also earns fee income from services such as account maintenance, credit card transactions, wealth management, and investment banking.
What is Huntington Bancshares Incorporated's credit quality and risk management approach?
Huntington Bancshares Incorporated maintains a conservative approach to credit quality and risk management. The company's loan portfolio is diversified across various industries and geographic regions 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 HBANP?
Huntington Bancshares Incorporated (HBANP) holds an AI score of 64/100 (moderate). Huntington Bancshares Incorporated presents a compelling investment case based on its diversified revenue streams and strategic market positioning. Not financial advice.
How frequently does HBANP data refresh on this page?
HBANP'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 HBANP's recent stock price performance?
Huntington Bancshares Incorporated (HBANP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional brand recognition in the Midwest. 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.
- The information provided is based on available data and is subject to change.
- AI analysis is pending and may provide additional insights.