HBAN's total assets expanded roughly 47% to $287.8B by 2026Q3, driven by acquisition activity rather than organic growth, and net interest income grew 37.4% year over year, yet this has not translated into durable earnings momentum.
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Net interest income reaccelerated 37.4% year over year to $2.1B in 2026Q3 on volume rather than pricing, as the net interest margin held flat at 0.7% across all ten quarters while the efficiency ratio worsened to 63.5% from 60.3% in 2024Q4.
HBAN has seen positive growth in fee-based revenues, particularly in payments and capital markets, which have outperformed expectations. This trend is expected to continue, contributing significantly to overall revenue growth.
Recent acquisitions, including Vertex and Cadence, are anticipated to drive growth for HBAN. While there are integration risks, these strategic moves are expected to enhance the bank's market position and service offerings.
The company has demonstrated an improved adjusted efficiency ratio, indicating better management of operating expenses. This efficiency is crucial for maintaining profitability and supporting future growth initiatives.
Trailing total returns as of 11/7/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 22, 2026 | $0.38+9.1% vs $0.35 | $2.8B-1.0% vs $2.8B |
Q3 2026 Jul 23, 2026 | $0.33-8.0% vs $0.36 | $2.9B+0.6% vs $2.8B |
Q2 2026 Apr 23, 2026 | $0.25+9.6% vs $0.23 | $2.6B+1.0% vs $2.6B |
Q1 2026 Jan 22, 2026 | $0.31-6.3% vs $0.33 | $2.2B-0.5% vs $2.2B |
Net Interest Income: Approximately $2.1 billion, up $18 million (0.9%) quarter-over-quarter and 37% year-over-year.Net Interest Margin: 3.25%, up 4 basis points
COLUMBUS, Ohio, Oct. 22, 2026 /PRNewswire/ -- Huntington Bancshares Incorporated announced that the Board of Directors ("Board") declared a quarterly cash dividend on the company's common stock (Nasdaq: HBAN) of $0.155 per common share, unchanged from the prior quarter. The common stock cash dividend is payable January 4, 2027, to shareholders of record on December 18, 2026.
Huntington Bancshares Incorporated (HBAN) Q3 2026 Earnings Call Transcript
HBAN's Q3'26 earnings match estimates as higher NII and fee income drive revenue growth. However, rising expenses and worsening credit quality weigh on results.
Benchmark HBAN against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Huntington Bancshares Incorporated (HBAN)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $15.47 | $31.26B | 11.13 | 10.58% | 27.08% | 10.01% | 3.9% | |
| $28.31 | $24.16B | 12.36 | 6.25% | 29.85% | 12.23% | 3.66% | |
| $63.24 | $26.74B | 16.38 | -5.85% | 27.69% | 8.41% | 2.74% | |
| $53.04 | $48.07B | 14.98 | 8.37% | 22.43% | 8.75% | 3.28% | |
| $20.85 | $22.5B | 13.72 | 69.31% | 29.3% | 10.88% | 4.62% | |
| $217.75 | $31.56B | 12.81 | -4.98% | 23.71% | 10.25% | 2.64% |
Huntington Bancshares Incorporated (HBAN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Huntington Bancshares Incorporated (HBAN) SEC filings — annual & quarterly reports (10-K, 10-Q)
Oct 22, 2026·SEC
Oct 22, 2026·SEC
Jul 23, 2026·SEC
Feb 13, 2026·SEC
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Huntington Bancshares Incorporated (HBAN) stock FAQ — growth, dividends, profitability & financials explained
Huntington Bancshares Incorporated (HBAN) grew revenue by 10.6% in fiscal year 2025, compared with the prior fiscal year.
Yes. Huntington Bancshares Incorporated (HBAN) earned $2.49B in net income over the trailing twelve months (a 24.0% net margin).
Yes. Huntington Bancshares Incorporated (HBAN) pays a dividend that yields 3.90% at the current price, a moderate yield.
Huntington Bancshares Incorporated (HBAN) had a return on equity (ROE) of 10.0% in fiscal year 2025. That is in line with the market's typical 10-15%.
Huntington Bancshares Incorporated (HBAN) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.
Huntington Bancshares Incorporated (HBAN) has an efficiency ratio of 61.4%. This is reasonable for a bank.
