HBAN
Huntington Bancshares
$17.46
▲ 0.6%Updated Aug 7, 11:30 AM ET
HBAN at a glance — five pillars scored 0–100 from real filed financials.
Overall: Strong · 77/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 7.2% over the last 12 months
Market Cap
$36.20B
P/E
16.04x
Forward P/E (est.)
15.97x
ROE
8.8%
Revenue Growth
59.0%
EPS Growth
0.5%
Profit Margin
31.2%
FCF Yield
11.5%
Debt / Equity
0.53x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
3.6%
Implied Growth (rev. DCF)
2.7%
Rating Score
77/100
Huntington Bancshares (HBAN) is a large-cap company in the Regional Banks industry, part of the Financials sector of the S&P 500, with a market value around $36.20B.
In its latest reported year it generated about $1.56B in revenue and $2.21B in net profit.
Our model rates HBAN Strong (77/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what HBAN's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. HBAN trades near $17.46, above its 50-day average ($16.58) and 200-day average ($16.72). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 60 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. HBAN's is $0.42 (~2.4% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month HBAN found buyers near $16.12 (support) and sellers near $18.32 (resistance); its 52-week range is $14.89–$19.46. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.7× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
8.8%
Revenue moved from $881.00M in 2018 to $1.56B in 2025, a 8.5% compound annual growth rate. The most recent year grew a strong 59.0% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
38.6%
Net Margin
141.5%
ROE
8.8%
Huntington Bancshares keeps about 31.2% of each sales dollar as net profit. Return on equity is 8.8%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$21.59B
Net Debt
$19.96B
Net Debt / EBITDA
—
Debt / Equity
0.53x
Leverage: debt-to-equity is 0.5x. That is a moderate, manageable debt load for most businesses. It carries roughly $21.59B of total debt against $1.64B of cash.
Operating CF
$2.48B
Free Cash Flow
$2.21B
FCF Margin
141.8%
In the latest year Huntington Bancshares produced about $2.48B of operating cash flow and $2.21B of free cash flow after capital spending. That is a free-cash-flow yield of about 11.5% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Dividend yield
3.6%
Per share (latest FY)
$0.62
Total paid (latest FY)
$908.00M
History on record
8 years
dividend uses 41% of free cash flow
41% of net income paid out
total dividends increased 7 years in a row
no cuts in the last 8 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
16.04x
P/S
2.17x
P/B
1.13x
EV / EBITDA
—
HBAN trades at 16.0x trailing earnings (about 16.0x on estimated forward earnings), 2.2x sales, and 1.1x book value. Reverse-engineering today's price implies the market expects roughly 2.7% long-term free-cash-flow growth. That is a fairly typical valuation for a profitable company.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$45.25
Current price
$17.46
Starting FCF (latest 10-K)
$2.21B
Growth, years 1–5
20.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where HBAN sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How HBAN stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), HBAN ranks #16 of 289 by our overall rating. It trades at roughly in line versus the sector on earnings (16x P/E vs. 15.8x median) with a lower return on equity (8.8% vs. 13.6%) and faster revenue growth (59.0% vs. 15.9%).
P/E vs sector
16x
median 15.8x
ROE vs sector
8.8%
median 13.6%
Growth vs sector
59.0%
median 15.9%
Sector rank
#16
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $17.46 today · expected CAGR 7% – 17%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $2.26B | $3.28B | $4.76B | $6.90B | $10.01B |
| Net income | $1.13B | $1.64B | $2.38B | $3.45B | $5.01B |
| EPS | $0.55 | $0.79 | $1.15 | $1.66 | $2.41 |
| Share price (low) | $5.46 | $7.92 | $11.48 | $16.65 | $24.14 |
| Share price (high) | $8.74 | $12.67 | $18.37 | $26.64 | $38.63 |
| CAGR (low–high) | -69% / -50% | -33% / -15% | -13% / 2% | -1% / 11% | 7% / 17% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for HBAN:
- Revenue is growing 59.0% a year, a sign of real demand.
- High net margins (31.2%) point to pricing power or efficiency.
- Healthy free-cash-flow yield (~11.5%) funds buybacks and dividends.
- Pays a 3.6% dividend on top of any price gains.
- Our model's overall read is Strong (77/100).
The case against HBAN:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Huntington Bancshares is a large-cap financials business still growing nicely, with solid profitability, and a sound balance sheet. It trades at 16.0x earnings, which our model scores Strong (77/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 25 Wall Street analysts covering HBAN recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-12 pts of buy ratings).
Latest SEC Filings
HBAN's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
HBAN — frequently asked questions
Is HBAN a good stock to buy?
We don't give buy or sell advice. Our model rates Huntington Bancshares Strong (77/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is HBAN's rating on The Stocks School?
Huntington Bancshares currently scores 77/100 (Strong) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does HBAN's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Huntington Bancshares's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for HBAN calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this HBAN analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell HBAN. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.