8-K Announcements
6Apr 24, 2026·SEC
Apr 23, 2026·SEC
Apr 23, 2026·SEC
Huntington Bancshares Incorporated (HBAN) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Huntington Bancshares Incorporated (HBAN) stock price & volume — 10-year historical chart
Huntington Bancshares Incorporated (HBAN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Huntington Bancshares Incorporated (HBAN) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.26vs $0.23+13.9% | $2.6Bvs $2.6B+1.0% |
| Q1 2026 | Jan 22, 2026 | $0.31vs $0.33-6.3% | $2.2Bvs $2.2B-0.5% |
| Q4 2025 | Oct 17, 2025 | $0.40vs $0.37+6.8% | $2.1Bvs $2.0B+4.2% |
| Q3 2025 | Jul 18, 2025 | $0.38vs $0.33+13.7% | $1.9Bvs $2.0B-1.7% |
Huntington Bancshares Incorporated (HBAN) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
Huntington Bancshares Incorporated (HBAN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Huntington Bancshares Incorporated (HBAN) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 3B | 3.19B | 3.21B | 3.22B | 4.1B | 5.27B | 5.44B | 5.34B | 5.99B |
| 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 Income | 3.43B | 3.95B | 4.2B | 3.65B | 4.19B | 5.97B | 8.92B | 9.92B | 10.31B |
| Interest Expense | 431M | 760M | 988M | 423M | 89M | 696M | 3.48B | 4.58B | 4.32B |
| Loan Loss Provision | 201M | 235M | 287M | 1.05B | 25M | 289M | 402M | 420M | 463M |
| Non-Interest Income | 1.3B | 1.32B | 1.45B | 1.59B | 1.89B | 1.98B | 1.86B | 2.04B | 2.17B |
| 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 Expense | 2.71B | 2.65B | 2.72B | 2.79B | 4.38B | 4.2B | 4.52B | 4.56B | 5.01B |
| Efficiency Ratio | 57.24% | 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 Tax | 208M | 235M | 248M | 155M | 294M | 515M | 413M | 443M | 459M |
| 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) | 1.19B | 1.39B | 1.41B | 817M | 1.3B | 2.25B | 1.97B | 1.96B | 2.23B |
| 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) | 1.02 | 1.22 | 1.29 | 0.70 | 0.91 | 1.47 | 1.26 | 1.24 | 1.41 |
| Diluted Shares Outstanding | 1.14B | 1.05B | 1.06B | 1.03B | 1.29B | 1.47B | 1.47B | 1.48B | 1.5B |
Huntington Bancshares Incorporated (HBAN) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 16.44B | 2.91B | 1.5B | 7.02B | 6.29B | 7.43B | 13.7B | 17.21B | 27.91B |
| Cash & Due from Banks | 1.57B | 2.73B | 1.27B | 6.71B | 5.91B | 6.92B | 10.32B | 13.33B | 1.78B |
| Short Term Investments | 14.87B | 185M | 229M | 304M | 374M | 511M | 3.37B | 3.88B | 26.13B |
| Total Investments | 93.89B | 97.3B | 98.77B | 104.31B | 146.95B | 153.25B | 156.17B | 166.76B | 26.13B |
| Investments Growth % | 4.09% | 3.63% | 1.51% | 5.61% | 40.87% | 4.29% | 1.9% | 6.78% | -84.33% |
| Long-Term Investments | 79.02B | 97.11B | 98.54B | 104.01B | 146.57B | 152.74B | 152.79B | 162.88B | 0 |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 2.58B | 2.52B | 2.46B | 2.42B | 5.96B | 6.28B | 6.23B | 6.24B | 6.75B |
| Goodwill | 1.99B | 1.99B | 1.99B | 1.99B | 5.35B | 5.57B | 5.56B | 5.56B | 6B |
| Intangible Assets | 584M | 535M | 475M | 428M | 611M | 712M | 672M | 677M | 752M |
| PP&E (Net) | 864M | 790M | 763M | 757M | 1.16B | 1.16B | 1.11B | 1.07B | 1.32B |
| Other Assets | 3.13B | 5.44B | 5.73B | 6.68B | 7.8B | 8.53B | 8.71B | 9.26B | 0 |
| Total Current Assets | 18.67B | 2.91B | 1.5B | 9.18B | 12.61B | 14.22B | 20.52B | 24.84B | 27.91B |
| Total Non-Current Assets | 85.6B | 105.87B | 107.5B | 113.86B | 161.5B | 168.7B | 168.85B | 179.44B | 8.07B |
| 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 Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 14.26B | 10.64B | 12.46B | 8.54B | 7.44B | 11.71B | 13.01B | 16.57B | 18.48B |
| Net Debt | 12.7B | 7.92B | 11.18B | 1.82B | 1.53B | 4.79B | 2.69B | 3.24B | 16.7B |
| Long-Term Debt | 9.21B | 8.63B | 9.85B | 8.35B | 7.11B | 9.69B | 12.39B | 16.37B | 17.22B |
| Short-Term Debt | 5.06B | 2.02B | 2.61B | 183M | 334M | 2.03B | 620M | 199M | 1.26B |
| Other Liabilities | 0 | 2.26B | 2.4B | 2.56B | 4.04B | 5.51B | 5.73B | 5.43B | 36.41B |
| Total Current Liabilities | 84.17B | 86.79B | 84.95B | 99.13B | 143.6B | 149.94B | 151.85B | 162.65B | 147.1B |
| Total Non-Current Liabilities | 9.21B | 10.89B | 12.25B | 10.91B | 11.15B | 15.2B | 18.12B | 21.8B | 53.63B |
| Total Liabilities | 93.37B | 97.68B | 97.21B | 110.05B | 154.75B | 165.14B | 169.97B | 184.45B | 200.73B |
| 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 Share | 9.52 | 10.61 | 11.17 | 12.58 | 15.01 | 12.13 | 13.21 | 13.40 | 16.20 |
| Tangible BV per Share | 7.25 | 8.19 | 8.83 | 10.24 | 10.38 | 7.84 | 8.97 | 9.17 | 11.71 |
| Common Stock | 11M | 11M | 10M | 10M | 14M | 14M | 15M | 15M | 16M |
| Additional Paid-in Capital | 9.71B | 9.18B | 8.81B | 8.78B | 15.22B | 15.31B | 15.39B | 15.48B | 17.24B |
| Retained Earnings | 588M | 1.36B | 2.09B | 1.88B | 2.2B | 3.42B | 4.32B | 5.2B | 6.35B |
| Accumulated OCI | -528M | -609M | -256M | 192M | -229M | -3.1B | -2.68B | -2.87B | -1.91B |
| Treasury Stock | -35M | -45M | -56M | -59M | -79M | -80M | -91M | -86M | -92M |
| Preferred Stock | 1.07B | 1.2B | 1.2B | 2.19B | 2.17B | 2.17B | 2.39B | 1.99B | 2.73B |
Huntington Bancshares Incorporated (HBAN) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.95B | 1.73B | 1.57B | 1.32B | 2.06B | 4.03B | 2.66B | 1.81B | 2.54B |
| Operating CF Growth % | 60.78% | -11.67% | -8.81% | -15.95% | 55.86% | 95.3% | -34.02% | -31.69% | 40.22% |
| Net Income | 1.19B | 1.39B | 1.41B | 817M | 1.3B | 2.25B | 1.97B | 1.96B | 2.23B |
| Depreciation & Amortization | 413M | 493M | 386M | 367M | 391M | 484M | 798M | 622M | 762M |
| Deferred Taxes | 168M | 63M | 23M | -93M | -76M | 319M | -302M | -26M | -403M |
| Other Non-Cash Items | 223M | 224M | 316M | 1.05B | -16M | 300M | 432M | 413M | 510M |
| Working Capital Changes | -128M | -525M | -645M | -891M | 337M | 570M | -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 Investments | 5.54B | 4.27B | 7.05B | 9.13B | 17.42B | 7.73B | 5.74B | 13.45B | 7.14B |
| Net Investment Activity | -1.25B | 1.45B | -507M | -2.04B | -7.42B | -3.69B | -113M | -2.79B | 1.81B |
| Acquisitions | 0 | -15M | -548M | 0 | -152M | -223M | 0 | 0 | 864M |
| Other Investing | -3.42B | -4.99B | -715M | -6.48B | 3.86B | -7.49B | -2.74B | -9.19B | -11.06B |
| Cash from Financing | 3.05B | 3.09B | -1.2B | 12.74B | 827M | 8.76B | 3.77B | 13.02B | 6.49B |
| Dividends Paid | -425M | -584M | -671M | -698M | -888M | -1.01B | -1.03B | -1.05B | -1.02B |
| Share Repurchases | -260M | -939M | -441M | -92M | -1.35B | 0 | -82M | -410M | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 486M | 0 | 317M | 0 | 741M |
| Net Stock Activity | -260M | -939M | -441M | -92M | -864M | 0 | 235M | -410M | 741M |
| Debt Issuance (Net) | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | 1000K |
| Other Financing | 1.42B | 7.71B | -1.73B | 16.58B | 6.45B | 4.63B | 3.27B | 11.16B | 3.56B |
| 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 Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 1.39B | 1.52B | 2.67B | 1.17B | 6.59B | 5.52B | 6.7B | 10.13B | 12.85B |
| Cash at End | 1.52B | 2.67B | 1.17B | 6.59B | 5.52B | 6.7B | 10.13B | 12.85B | 13.49B |
| Interest Paid | 409M | 742M | 989M | 453M | 185M | 627M | 3.36B | 4.55B | 0 |
| Income Taxes Paid | 84M | 0 | 111M | 81M | 269M | 0 | 90M | 123M | 0 |
| 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% |
Huntington Bancshares Incorporated (HBAN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.38% | 2.88% | 2.93% | 2.95% | 2.62% | 2.36% | 2.88% | 2.87% | 2.62% | 2.66% |
| Efficiency Ratio | 63.66% | 57.24% | 50.23% | 48.12% | 53.36% | 71.96% | 52.84% | 41.9% | 38.14% | 40.17% |
| Equity / Assets | 10.34% | 10.38% | 10.21% | 10.82% | 10.56% | 11.1% | 9.71% | 10.24% | 9.69% | 10.83% |
| Book Value / Share | 11.22 | 9.52 | 10.61 | 11.17 | 12.58 | 15.01 | 12.13 | 13.21 | 13.4 | 16.2 |
| NII Growth | 21.42% | 26.72% | 6.23% | 0.75% | 0.34% | 27.23% | 28.55% | 3.15% | -1.73% | 12.09% |
| Dividend Payout | 34.41% | 29.43% | 36.9% | 42.31% | 75.15% | 57.92% | 40.08% | 46.13% | 46.55% | 41.07% |
Huntington Bancshares Incorporated (HBAN) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 24, 2026·SEC
Apr 23, 2026·SEC
Apr 23, 2026·SEC
Feb 13, 2026·SEC
Oct 28, 2025·SEC
Huntington Bancshares Incorporated (HBAN) stock FAQ — growth, dividends, profitability & financials explained
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).
Yes, Huntington Bancshares Incorporated (HBAN) pays a dividend with a yield of 3.63%. 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.
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.
Huntington Bancshares Incorporated (HBAN) financial analysis — history, returns, DCA and operating performance tools
Analyst verdict, bull/bear case, risk factors and peer comparison
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates