Huntington Bancshares Incorporated (HBANZ) 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 (HBANZ) trades at $19.31 with AI Score 56/100 (Grade B). Huntington Bancshares Incorporated, founded in 1866, operates as the bank holding company for The Huntington National Bank, providing a range of… Market cap: $34.8B, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for HBANZ: HBANZ 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 HBANZ against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
HBANZ: the 3 scored disciplines are evenly split. Dominant signal: Valuation strong.
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 (HBANZ) Financial Services Profile
Huntington Bancshares Incorporated, a regional bank holding company, delivers commercial, consumer, and mortgage banking services. With a history dating back to 1866, Huntington offers diverse financial products and services through various channels, including digital platforms and a network of branches, serving middle market, corporate, and specialty banking clients.
What Is the Investment Thesis for HBANZ?
Huntington Bancshares, with a market capitalization of $34.8B, presents a compelling investment case based on its established regional presence and diverse service offerings. The company's profit margin of 28.7% and ROE of 10.1% indicate solid profitability and efficient capital utilization. Growth catalysts include the expansion of digital banking solutions and strategic initiatives targeting specific sectors like healthcare and technology. The company's beta of 0.97 suggests relatively stable performance compared to the broader market. Key value drivers include sustained growth in deposits and loans, effective cost management, and the ability to capitalize on regional economic expansion. However, investors should monitor potential risks such as interest rate fluctuations and increased competition from both traditional and fintech players.
Based on FMP financials and quantitative analysis
HBANZ Key Highlights
Market capitalization of $34.8B, reflecting significant investor confidence.
- Profit margin of 28.7%, indicating strong profitability compared to the industry average.
- Return on Equity (ROE) of 10.1%, showcasing efficient utilization of shareholder equity.
- Beta of 0.97, suggesting lower volatility compared to the broader market.
- Comprehensive suite of financial services, including commercial, consumer, and mortgage banking.
Who Are HBANZ's Competitors?
HBANZ is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AX Axos Financial, Inc. | $95.91 | -0.25% | $5.46B | 68 |
| BFCC BankFirst Capital Corporation | $63.27 | +0.00% | $336M | 53 |
| FITBO Fifth Third Bancorp | $18.03 | -0.06% | 55 | |
| 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 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
| UBSI United Bankshares, Inc. | $47.70 | +0.02% | $6.57B | 96 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HBANZ's Key Strengths?
Strong regional presence in the Midwest.
- Diverse range of financial products and services.
- Established customer relationships.
- Solid financial performance and profitability.
What Are HBANZ's Weaknesses?
Limited geographic diversification.
- Exposure to regional economic fluctuations.
- Dependence on interest rate environment.
- Competition from larger national banks and fintech companies.
What Could Drive HBANZ Stock Higher?
Expansion of digital banking platforms to attract new customers and enhance customer experience.
- Strategic partnerships with fintech companies to offer innovative products and services.
- Targeted expansion in high-growth sectors such as healthcare and technology.
- Enhancement of wealth management services to generate fee income and attract high-net-worth clients.
What Are the Key Risks for HBANZ?
Rising interest rates and inflation could negatively impact profitability and loan demand.
- Increased regulatory scrutiny could increase compliance costs and limit growth opportunities.
- Cybersecurity risks and data breaches could damage reputation and result in financial losses.
- Economic downturn and credit quality deterioration could lead to increased loan losses.
What Are the Growth Opportunities for HBANZ?
- Expansion of Digital Banking Platforms: Huntington can capitalize on the growing demand for digital banking services by further enhancing its online and mobile platforms. This includes expanding features like mobile check deposit, peer-to-peer payments, and personalized financial advice. The digital banking market is projected to reach $9 trillion in transaction value by 2028, presenting a significant growth opportunity for Huntington. Timeline: Ongoing.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can enable Huntington to offer innovative products and services, such as AI-powered financial planning tools and blockchain-based payment solutions. This can attract new customers and enhance the overall customer experience. Timeline: Ongoing.
- Targeted Expansion in High-Growth Sectors: Focusing on specific sectors like healthcare, technology, and government can drive loan growth and increase market share. These sectors are experiencing rapid growth and have significant demand for financial services. Huntington's expertise in these sectors provides a competitive advantage. The healthcare sector is projected to grow at an annual rate of 5% over the next five years. Timeline: Ongoing.
- Enhancement of Wealth Management Services: Expanding wealth management services, including investment management, trust, and brokerage, can generate fee income and attract high-net-worth clients. The wealth management market is growing rapidly, driven by increasing affluence and demand for financial planning services. Huntington's established trust and brokerage services provide a strong foundation for growth. Timeline: Ongoing.
- Increased Focus on Small Business Lending: Small businesses are a key driver of economic growth and represent a significant lending opportunity. Huntington can expand its small business lending portfolio by offering tailored loan products and personalized service. The small business lending market is projected to reach $1 trillion by 2027. Timeline: Ongoing.
What Are HBANZ's Competitive Advantages?
- Established regional presence and brand recognition.
- Diverse range of financial products and services.
- Strong customer relationships and loyalty.
- Experienced management team and skilled workforce.
What Does HBANZ Do?
Founded in 1866 and headquartered in Columbus, Ohio, Huntington Bancshares Incorporated has evolved into a prominent regional bank holding company. Operating through The Huntington National Bank, the company provides a comprehensive suite of financial products and services to consumer and business customers. These offerings include deposits, lending, payments, mortgage banking, dealer financing, investment management, trust, brokerage, and insurance. Huntington distinguishes itself with digitally powered solutions such as 24-Hour Grace, Asterisk-Free Checking, Money Scout, $50 Safety Zone, Standby Cash, Early Pay, Instant Access, Savings Goal Getter, and Huntington Heads Up. These innovations cater to consumer finance, regional banking, branch banking, and wealth management clients. The bank extends its services through direct and indirect consumer loans, dealer finance loans and deposits, and private banking, wealth management, and legacy planning. Huntington also provides specialized services like equipment financing, asset-based lending, distribution finance, structured lending, and municipal financing solutions, alongside Huntington ChoicePay. Furthermore, the company offers lending, liquidity, treasury management, and capital markets services, targeting sectors such as government, healthcare, technology, and franchises. Huntington serves clients through a multi-channel network encompassing branches, ATMs, online and mobile banking, and customer call centers, focusing on middle market, corporate, specialty, and government banking, asset finance, commercial real estate banking, and capital markets.
What Products and Services Does HBANZ Offer?
- Provides commercial banking services to businesses.
- Offers consumer banking services to individuals.
- Provides mortgage banking services.
- Offers dealer financing solutions.
- Provides investment management and trust services.
- Offers brokerage and insurance services.
How Does HBANZ Make Money?
- Generates revenue through interest income from loans.
- Earns fee income from services like investment management and brokerage.
- Manages risk through diversification of loan portfolio.
- Utilizes a network of branches, ATMs, and digital channels to serve customers.
What Industry Does HBANZ Operate In?
Huntington Bancshares operates within the regional banking sector, which is characterized by increasing competition from both traditional banks and fintech companies. The industry is experiencing a shift towards digital banking solutions and personalized customer experiences. Market trends include rising interest rates, which can impact profitability, and increasing regulatory scrutiny. Huntington's competitive positioning is strengthened by its diverse service offerings and established regional presence. The regional banking sector is projected to grow at a moderate pace, driven by economic expansion and increasing demand for financial services.
Who Are HBANZ's Key Customers?
- Individual consumers seeking banking services.
- Small businesses requiring loans and financial services.
- Middle market companies needing commercial banking solutions.
- Corporations seeking capital markets and treasury management services.
Earnings Track Record
Huntington Bancshares Incorporated has beaten Wall Street's EPS estimate in 6 of its last 8 reported quarters — a consistent record of delivering on expectations. Reported results have landed about 4.7% above estimates on average.
Quarterly Financial Performance: Huntington Bancshares Incorporated
Revenue for Huntington Bancshares Incorporated came in at $4.17B during Q2 2026, a 10.6% improvement versus the preceding quarter. 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, HBANZ averaged $0.33 in diluted EPS.
HBANZ Valuation & Market Position
With a $34.8B market cap, Huntington Bancshares Incorporated sits in the large-cap segment of the market. Relative to its peer group, HBANZ's quantitative score of 56/100 is below the peer average of 73/100.
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. HBANZ trades at a trailing price-to-earnings ratio of 14.24, below the Financial Services sector average of ~18x. Its free cash flow yield is 6.5%, 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 7.0%, the inverse of the P/E and a quick read on earnings relative to price.
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. HBANZ has traded publicly since 2026.
HBANZ Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong regional presence in the Midwest.
- Diverse range of financial products and services.
- Established customer relationships.
- Solid financial performance and profitability.
Bear Case
- Limited geographic diversification.
- Exposure to regional economic fluctuations.
- Dependence on interest rate environment.
- Competition from larger national banks and fintech companies.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 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
HBANZ 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
HBANZ Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for HBANZ.
Price Targets
Wall Street price target analysis for HBANZ.
HBANZ MoonshotScore
What does this score mean?
The MoonshotScore rates HBANZ 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 the 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 various financial institutions, including serving as the Chairman and CEO of Franklin Bank Corp. and as Vice Chairman and CFO of Bank One Corporation. Steinour holds an MBA from Harvard Business School and a bachelor's degree from Gettysburg College.
Track Record: Under Stephen Steinour's leadership, Huntington Bancshares has experienced significant growth and expansion. He has overseen strategic acquisitions and initiatives that have strengthened the company's market position and enhanced its financial performance. Key achievements include the successful integration of acquired banks and the implementation of innovative digital banking solutions. He manages 20424 employees.
What Investors Ask About Huntington Bancshares Incorporated (HBANZ) — Financial Services
What does the AI Score mean for HBANZ?
HBANZ holds an AI Score of 56/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Huntington Bancshares Incorporated, founded in 1866, operates as the bank holding company for The Huntington National Bank, providing a range of commercial, consumer, and mortgage banking services …
What does Huntington Bancshares Incorporated do?
Huntington Bancshares Incorporated operates as the bank holding company for The Huntington National Bank, providing a wide array of financial services. These services include commercial, consumer, and mortgage banking, catering to both individual and business clients. The company offers deposit accounts, loans, payment solutions, and investment management services.
What do analysts say about HBANZ stock?
Analyst consensus on Huntington Bancshares Incorporated (HBANZ) is currently neutral, reflecting a balanced view of the company's prospects. Key valuation metrics suggest that the stock is fairly valued compared to its peers. Growth considerations include the company's ability to expand its digital banking platform and capitalize on strategic partnerships.
What are the main risks for HBANZ?
Huntington Bancshares Incorporated faces several key risks, including interest rate risk, credit risk, and regulatory risk. Rising interest rates could negatively impact the company's net interest margin and loan demand. Credit risk arises from the potential for borrowers to default on their loans, particularly during an economic downturn.
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 geographic regions to mitigate concentration risk. Huntington employs rigorous underwriting standards and ongoing monitoring to assess and manage credit risk. The company also maintains adequate provision levels to cover potential loan losses.
What regulatory challenges does Huntington Bancshares Incorporated face?
Huntington Bancshares Incorporated operates in a highly regulated environment and faces numerous regulatory challenges. These challenges include compliance with capital requirements, consumer protection laws, and anti-money laundering regulations. The company is subject to oversight by various regulatory agencies, including the Federal Reserve, the FDIC, and the Consumer Financial Protection Bureau.
What are the key factors to evaluate for HBANZ?
Huntington Bancshares Incorporated (HBANZ) holds an AI score of 56/100 (moderate). Huntington Bancshares, with a market capitalization of $34.8B, presents a compelling investment case based on its established regional presence and diverse service offerings. Not financial advice.
How frequently does HBANZ data refresh on this page?
HBANZ's price was last updated on Aug 21, 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 HBANZ's recent stock price performance?
Huntington Bancshares Incorporated (HBANZ) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence 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.
- AI analysis pending for HBANZ. This dossier is based on publicly available information and should not be considered investment advice.