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HBAN logoHuntington Bancshares Incorporated(HBAN)Earnings, Financials & Key Ratios

HBAN•NASDAQ•Banking & Credit
$16.41
$25.97B mkt cap·11.8× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutHuntington 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 operates through four 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 financial products and services, such as checking accounts, savings accounts, money market accounts, certificates of deposit, credit cards, and consumer and small business loans, as well as investment products. This segment also provides mortgages, insurance, interest rate risk protection, foreign exchange, automated teller machine, and treasury management services, as well as online, mobile, and telephone banking services. It serves consumer and small business customers. The Commercial Banking segment offers regional commercial banking solutions for middle market businesses, government and public sector entities, and commercial real estate developers/REITs; and specialty banking solutions for healthcare, technology and telecommunications, franchise finance, sponsor finance, and global services industries. It also provides asset finance services; capital raising solutions, sales and trading, and corporate risk management products; institutional banking services; and treasury management services. The Vehicle Finance segment provides financing to consumers for the purchase of automobiles, light-duty trucks, recreational vehicles, and marine craft at franchised and other select dealerships, as well as to franchised dealerships for the acquisition of new and used inventory. The RBHPCG segment offers private banking, wealth and investment management, and retirement plan services. As of March 18, 2022, the company had approximately 1,000 branches in 11 states. Huntington Bancshares Incorporated was founded in 1866 and is headquartered in Columbus, Ohio.Show more
  • Net Interest Income$5.99B+12.1%
  • Total Revenue$12.48B+4.4%
  • Net Income$2.21B+14.0%
  • Return on Equity10.01%+1.1%
  • Net Interest Margin2.66%+1.7%
  • Efficiency Ratio40.17%+5.3%
  • ROA1.03%+4.5%
  • Equity / Assets10.83%+11.8%
  • Book Value per Share16.20+20.9%
  • Tangible BV/Share11.71+27.7%
  • Debt/Equity0.76-9.5%
Analysis→Technical→

HBAN Key Insights

Huntington Bancshares Incorporated (HBAN) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 22.0%
  • ✓Efficient operations: 40.2% efficiency ratio
  • ✓Well capitalized: 10.8% equity/assets
  • ✓Healthy dividend yield of 3.7%
  • ✓Trading at only 1.0x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

HBAN Price & Volume

Huntington Bancshares Incorporated (HBAN) stock price & volume — 10-year historical chart

Loading chart...

HBAN Growth Metrics

Huntington Bancshares Incorporated (HBAN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years14.76%
5 Years18.97%
3 Years16.24%
TTM-

Profit CAGR

10 Years12.3%
5 Years22.03%
3 Years-0.4%
TTM13.97%

EPS CAGR

10 Years5.55%
5 Years15.04%
3 Years-1.4%
TTM13.01%

Return on Capital

10 Years6.38%
5 Years6.38%
3 Years5.78%
Last Year4.5%

HBAN Recent Earnings

Huntington Bancshares Incorporated (HBAN) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 23, 2026
EPS
$0.26
Est $0.23
+13.9%
Revenue
$2.6B
Est $2.6B
+1.0%
Q1 2026
Jan 22, 2026
EPS
$0.31
Est $0.33
-6.3%
Revenue
$2.2B
Est $2.2B
-0.5%
Q4 2025
Oct 17, 2025
EPS
$0.40
Est $0.37
+6.8%
Revenue
$2.1B
Est $2.0B
+4.2%
Q3 2025
Jul 18, 2025
EPS
$0.38
Est $0.33
+13.7%
Revenue
$1.9B
Est $2.0B
-1.7%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.26vs $0.23+13.9%
$2.6Bvs $2.6B+1.0%
Q1 2026Jan 22, 2026
$0.31vs $0.33-6.3%
$2.2Bvs $2.2B-0.5%
Q4 2025Oct 17, 2025
$0.40vs $0.37+6.8%
$2.1Bvs $2.0B+4.2%
Q3 2025Jul 18, 2025
$0.38vs $0.33+13.7%
$1.9Bvs $2.0B-1.7%
Based on last 12 quarters of dataView full earnings history →

HBAN Peer Comparison

Huntington Bancshares Incorporated (HBAN) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
RF logoRFRegions Financial CorporationDirect Competitor24.34B28.0412.242.51%22.44%11.29%8.96%0.26
CFG logoCFGCitizens Financial Group, Inc.Direct Competitor27.77B64.3621.241.31%12.22%6.6%6.77%0.51
FITB logoFITBFifth Third BancorpDirect Competitor33.69B50.3016.025.62%17.73%11.43%7.15%0.97
KEY logoKEYKeyCorpDirect Competitor24.11B21.8714.3923.56%16.35%8.97%0.54
MTB logoMTBM&T Bank CorporationDirect Competitor33.12B215.4914.727.18%19.31%9.65%10.25%0.47
ZION logoZIONZions Bancorporation, National AssociationDirect Competitor9.34B63.1312.757.98%15.7%12.41%11.26%0.71
CMA logoCMAComerica IncorporatedDirect Competitor11.35B88.6716.76-3.91%15.07%9.38%0.70
USB logoUSBU.S. BancorpProduct Competitor86.46B55.6012.060.35%17.68%11.54%1.19

Compare HBAN vs Peers

Huntington Bancshares Incorporated (HBAN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs RF

Most directly comparable listed peer for HBAN.

Scale Benchmark

vs V

Larger-name benchmark to compare HBAN against a more recognizable public peer.

Peer Set

Compare Top 5

vs RF, CFG, FITB, KEY

HBAN Income Statement

Huntington Bancshares Incorporated (HBAN) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income3B3.19B3.21B3.22B4.1B5.27B5.44B5.34B5.99B
NII Growth %26.72%6.23%0.75%0.34%27.23%28.55%3.15%-1.73%12.09%
Net Interest Margin %2.88%2.93%2.95%2.62%2.36%2.88%2.87%2.62%2.66%
Interest Income3.43B3.95B4.2B3.65B4.19B5.97B8.92B9.92B10.31B
Interest Expense431M760M988M423M89M696M3.48B4.58B4.32B
Loan Loss Provision201M235M287M1.05B25M289M402M420M463M
Non-Interest Income1.3B1.32B1.45B1.59B1.89B1.98B1.86B2.04B2.17B
Non-Interest Income %27.54%25.07%25.71%30.37%31.07%24.92%17.29%17.06%17.42%
Total Revenue
4.74B▲ 0%
5.27B▲ 11.2%
5.66B▲ 7.3%
5.24B▼ 7.4%
6.08B▲ 16.1%
7.95B▲ 30.8%
10.78B▲ 35.6%
11.96B▲ 11.0%
12.48B▲ 4.4%
Revenue Growth %25.31%11.23%7.31%-7.37%16.07%30.76%35.6%10.96%4.38%
Non-Interest Expense2.71B2.65B2.72B2.79B4.38B4.2B4.52B4.56B5.01B
Efficiency Ratio57.24%50.23%48.12%53.36%71.96%52.84%41.9%38.14%40.17%
Operating Income
1.39B▲ 0%
1.63B▲ 16.8%
1.66B▲ 1.9%
972M▼ 41.4%
1.59B▲ 63.7%
2.76B▲ 73.7%
2.38B▼ 13.7%
2.4B▲ 0.8%
2.69B▲ 11.9%
Operating Margin %29.42%30.89%29.34%18.56%26.17%34.77%22.12%20.09%21.53%
Operating Income Growth %51.52%16.79%1.9%-41.41%63.68%73.73%-13.75%0.8%11.86%
Pretax Income
1.39B▲ 0%
1.63B▲ 16.8%
1.66B▲ 1.9%
972M▼ 41.4%
1.59B▲ 63.7%
2.76B▲ 73.7%
2.38B▼ 13.7%
2.4B▲ 0.8%
2.69B▲ 11.9%
Pretax Margin %29.42%30.89%29.34%18.56%26.17%34.77%22.12%20.09%21.53%
Income Tax208M235M248M155M294M515M413M443M459M
Effective Tax Rate %14.92%14.43%14.95%15.95%18.48%18.63%17.32%18.44%17.08%
Net Income
1.19B▲ 0%
1.39B▲ 17.5%
1.41B▲ 1.3%
817M▼ 42.1%
1.29B▲ 58.5%
2.24B▲ 72.8%
1.95B▼ 12.8%
1.94B▼ 0.6%
2.21B▲ 14.0%
Net Margin %25.03%26.43%24.95%15.6%21.3%28.15%18.1%16.22%17.71%
Net Income Growth %66.57%17.45%1.29%-42.1%58.51%72.82%-12.82%-0.56%13.97%
Net Income (Continuing)1.19B1.39B1.41B817M1.3B2.25B1.97B1.96B2.23B
EPS (Diluted)
1.00▲ 0%
1.20▲ 20.0%
1.27▲ 5.8%
0.69▼ 45.7%
0.90▲ 30.4%
1.45▲ 61.1%
1.24▼ 14.5%
1.22▼ 1.6%
1.39▲ 13.9%
EPS Growth %49.25%20%5.83%-45.67%30.43%61.11%-14.48%-1.61%13.93%
EPS (Basic)1.021.221.290.700.911.471.261.241.41
Diluted Shares Outstanding1.14B1.05B1.06B1.03B1.29B1.47B1.47B1.48B1.5B

HBAN Balance Sheet

Huntington Bancshares Incorporated (HBAN) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments16.44B2.91B1.5B7.02B6.29B7.43B13.7B17.21B27.91B
Cash & Due from Banks1.57B2.73B1.27B6.71B5.91B6.92B10.32B13.33B1.78B
Short Term Investments14.87B185M229M304M374M511M3.37B3.88B26.13B
Total Investments93.89B97.3B98.77B104.31B146.95B153.25B156.17B166.76B26.13B
Investments Growth %4.09%3.63%1.51%5.61%40.87%4.29%1.9%6.78%-84.33%
Long-Term Investments79.02B97.11B98.54B104.01B146.57B152.74B152.79B162.88B0
Accounts Receivables000000000
Goodwill & Intangibles2.58B2.52B2.46B2.42B5.96B6.28B6.23B6.24B6.75B
Goodwill1.99B1.99B1.99B1.99B5.35B5.57B5.56B5.56B6B
Intangible Assets584M535M475M428M611M712M672M677M752M
PP&E (Net)864M790M763M757M1.16B1.16B1.11B1.07B1.32B
Other Assets3.13B5.44B5.73B6.68B7.8B8.53B8.71B9.26B0
Total Current Assets18.67B2.91B1.5B9.18B12.61B14.22B20.52B24.84B27.91B
Total Non-Current Assets85.6B105.87B107.5B113.86B161.5B168.7B168.85B179.44B8.07B
Total Assets
104.19B▲ 0%
108.78B▲ 4.4%
109B▲ 0.2%
123.04B▲ 12.9%
174.06B▲ 41.5%
182.91B▲ 5.1%
189.37B▲ 3.5%
204.23B▲ 7.8%
225.11B▲ 10.2%
Asset Growth %4.48%4.41%0.2%12.88%41.47%5.08%3.53%7.85%10.22%
Return on Assets (ROA)1.16%1.31%1.3%0.7%0.87%1.25%1.05%0.99%1.03%
Accounts Payable000000000
Total Debt14.26B10.64B12.46B8.54B7.44B11.71B13.01B16.57B18.48B
Net Debt12.7B7.92B11.18B1.82B1.53B4.79B2.69B3.24B16.7B
Long-Term Debt9.21B8.63B9.85B8.35B7.11B9.69B12.39B16.37B17.22B
Short-Term Debt5.06B2.02B2.61B183M334M2.03B620M199M1.26B
Other Liabilities02.26B2.4B2.56B4.04B5.51B5.73B5.43B36.41B
Total Current Liabilities84.17B86.79B84.95B99.13B143.6B149.94B151.85B162.65B147.1B
Total Non-Current Liabilities9.21B10.89B12.25B10.91B11.15B15.2B18.12B21.8B53.63B
Total Liabilities93.37B97.68B97.21B110.05B154.75B165.14B169.97B184.45B200.73B
Total Equity
10.81B▲ 0%
11.1B▲ 2.7%
11.79B▲ 6.2%
12.99B▲ 10.2%
19.32B▲ 48.7%
17.77B▼ 8.0%
19.4B▲ 9.2%
19.78B▲ 2.0%
24.38B▲ 23.2%
Equity Growth %4.91%2.66%6.24%10.16%48.68%-8.02%9.17%1.98%23.24%
Equity / Assets (Capital Ratio)10.38%10.21%10.82%10.56%11.1%9.71%10.24%9.69%10.83%
Return on Equity (ROE)11.23%12.71%12.32%6.59%8.02%12.07%10.5%9.9%10.01%
Book Value per Share9.5210.6111.1712.5815.0112.1313.2113.4016.20
Tangible BV per Share7.258.198.8310.2410.387.848.979.1711.71
Common Stock11M11M10M10M14M14M15M15M16M
Additional Paid-in Capital9.71B9.18B8.81B8.78B15.22B15.31B15.39B15.48B17.24B
Retained Earnings588M1.36B2.09B1.88B2.2B3.42B4.32B5.2B6.35B
Accumulated OCI-528M-609M-256M192M-229M-3.1B-2.68B-2.87B-1.91B
Treasury Stock-35M-45M-56M-59M-79M-80M-91M-86M-92M
Preferred Stock1.07B1.2B1.2B2.19B2.17B2.17B2.39B1.99B2.73B

HBAN Cash Flow Statement

Huntington Bancshares Incorporated (HBAN) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations1.95B1.73B1.57B1.32B2.06B4.03B2.66B1.81B2.54B
Operating CF Growth %60.78%-11.67%-8.81%-15.95%55.86%95.3%-34.02%-31.69%40.22%
Net Income1.19B1.39B1.41B817M1.3B2.25B1.97B1.96B2.23B
Depreciation & Amortization413M493M386M367M391M484M798M622M762M
Deferred Taxes168M63M23M-93M-76M319M-302M-26M-403M
Other Non-Cash Items223M224M316M1.05B-16M300M432M413M510M
Working Capital Changes-128M-525M-645M-891M337M570M-339M-1.26B-666M
Cash from Investing-4.87B-3.66B-1.88B-8.64B-3.96B-11.61B-3B-12.12B-8.38B
Purchase of Investments-6.79B-2.82B-7.55B-11.17B-24.84B-11.42B-5.85B-16.23B-5.33B
Sale/Maturity of Investments5.54B4.27B7.05B9.13B17.42B7.73B5.74B13.45B7.14B
Net Investment Activity-1.25B1.45B-507M-2.04B-7.42B-3.69B-113M-2.79B1.81B
Acquisitions0-15M-548M0-152M-223M00864M
Other Investing-3.42B-4.99B-715M-6.48B3.86B-7.49B-2.74B-9.19B-11.06B
Cash from Financing3.05B3.09B-1.2B12.74B827M8.76B3.77B13.02B6.49B
Dividends Paid-425M-584M-671M-698M-888M-1.01B-1.03B-1.05B-1.02B
Share Repurchases-260M-939M-441M-92M-1.35B0-82M-410M0
Stock Issued0000486M0317M0741M
Net Stock Activity-260M-939M-441M-92M-864M0235M-410M741M
Debt Issuance (Net)1000K-1000K1000K-1000K-1000K1000K1000K1000K1000K
Other Financing1.42B7.71B-1.73B16.58B6.45B4.63B3.27B11.16B3.56B
Net Change in Cash
135M▲ 0%
1.15B▲ 753.3%
-1.5B▼ 230.4%
5.42B▲ 461.2%
-1.07B▼ 119.8%
1.18B▲ 210.2%
3.42B▲ 189.8%
2.72B▼ 20.6%
648M▼ 76.2%
Exchange Rate Effect000000000
Cash at Beginning1.39B1.52B2.67B1.17B6.59B5.52B6.7B10.13B12.85B
Cash at End1.52B2.67B1.17B6.59B5.52B6.7B10.13B12.85B13.49B
Interest Paid409M742M989M453M185M627M3.36B4.55B0
Income Taxes Paid84M0111M81M269M090M123M0
Free Cash Flow
1.76B▲ 0%
1.62B▼ 8.2%
1.47B▼ 9.2%
1.2B▼ 17.9%
1.81B▲ 50.7%
3.81B▲ 110.1%
2.52B▼ 34.0%
1.67B▼ 33.6%
2.28B▲ 36.2%
FCF Growth %60.73%-8.18%-9.22%-17.93%50.75%110.08%-33.99%-33.57%36.24%

HBAN Banking Ratios

Huntington Bancshares Incorporated (HBAN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)8.42%11.23%12.71%12.32%6.59%8.02%12.07%10.5%9.9%10.01%
Return on Assets (ROA)0.83%1.16%1.31%1.3%0.7%0.87%1.25%1.05%0.99%1.03%
Net Interest Margin2.38%2.88%2.93%2.95%2.62%2.36%2.88%2.87%2.62%2.66%
Efficiency Ratio63.66%57.24%50.23%48.12%53.36%71.96%52.84%41.9%38.14%40.17%
Equity / Assets10.34%10.38%10.21%10.82%10.56%11.1%9.71%10.24%9.69%10.83%
Book Value / Share11.229.5210.6111.1712.5815.0112.1313.2113.416.2
NII Growth21.42%26.72%6.23%0.75%0.34%27.23%28.55%3.15%-1.73%12.09%
Dividend Payout34.41%29.43%36.9%42.31%75.15%57.92%40.08%46.13%46.55%41.07%

HBAN SEC Filings & Documents

Huntington Bancshares Incorporated (HBAN) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 24, 2026·SEC

Material company update

Apr 23, 2026·SEC

Material company update

Apr 23, 2026·SEC

10-K Annual Reports

1
FY 2026

Feb 13, 2026·SEC

10-Q Quarterly Reports

1
FY 2025

Oct 28, 2025·SEC

HBAN Frequently Asked Questions

Huntington Bancshares Incorporated (HBAN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Huntington Bancshares Incorporated (HBAN) grew revenue by 4.4% over the past year. Growth has been modest.

Yes, Huntington Bancshares Incorporated (HBAN) is profitable, generating $2.21B in net income for fiscal year 2025 (17.7% net margin).

Dividend & Returns

Yes, Huntington Bancshares Incorporated (HBAN) pays a dividend with a yield of 3.68%. This makes it attractive for income-focused investors.

Huntington Bancshares Incorporated (HBAN) has a return on equity (ROE) of 10.0%. This is reasonable for most industries.

Industry Metrics

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 40.2%. This is excellent, indicating strong cost control.

Explore More HBAN

Huntington Bancshares Incorporated (HBAN) financial analysis — history, returns, DCA and operating performance tools

Full HBAN Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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