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Huntington Bancshares Incorporated (HBAN) Stock

Huntington Bancshares Incorporated Stock Details, Movements and Public Alerts

Huntington Bancshares (HBAN): A Midwest Bank Building a National Footprint Through Acquisitions

Huntington Bancshares started as a Midwest regional bank headquartered in Columbus, Ohio. Under CEO Steve Steinour, the company has pursued an aggressive acquisition strategy that reshaped its footprint and scale. The TCF Financial merger in 2021 created a top-25 bank. The Veritex Holdings deal closed in October 2025, adding Texas commercial banking. The Cadence Bank merger completed in February 2026, pushing into Atlanta, Nashville, Orlando, and Tampa. With $279 billion in assets and net interest income growing 14% year-over-year, Huntington now ranks among the ten largest U.S. regional banks. The stock trades around $17.75 with a 3.5% dividend yield, appealing to income investors who want exposure to a bank with clear geographic growth catalysts.

52-Week Range

$19.45 - $11.59

-21.44% from high · +31.84% from low

Avg Daily Volume

38,505,370

Latest volume

Fundamentals

Valuation Metrics

P/E Ratio (TTM)

10.94

Below market average

Forward P/E

9.55

Earnings expected to grow

PEG Ratio

1.74

Reasonably valued

Price to Book

1.45

EPS (TTM)

$1.39

Price to Sales

4.01

Beta

0.97

Less volatile than market

Q:How is HBAN valued relative to its earnings and growth?
Huntington Bancshares Incorporated trades at a P/E ratio of 10.94, which is below the market average of approximately 20. This lower valuation could indicate the market has modest growth expectations, or it might represent an undervalued opportunity if the fundamentals are strong. Looking ahead, the forward P/E of 9.55 is lower than the current P/E, indicating analysts expect earnings to grow over the next year. The PEG ratio of 1.74 indicates reasonable value when growth is considered.
Q:What is HBAN's risk profile compared to the market?
With a beta of 0.97, Huntington Bancshares Incorporated is less volatile than the overall market. This means when the market moves up or down by 10%, this stock typically moves less than 10% in the same direction. Lower beta stocks are often preferred by conservative investors seeking stability. The price-to-book ratio of 1.45 shows investors value the company above its book value, which often reflects intangible assets or growth prospects.

Performance & Growth

Profit Margin

28.70%

Operating Margin

39.80%

Return on Equity

10.10%

Return on Assets

1.04%

Revenue Growth (YoY)

10.30%

Earnings Growth (YoY)

-10.90%

Q:How profitable and efficient is HBAN's business model?
Huntington Bancshares Incorporated achieves a profit margin of 28.70%, meaning it retains $28.70 from every $100 in revenue after all expenses. This is an impressive margin, indicating strong pricing power and efficient cost management that allows the company to generate substantial profits. The operating margin of 39.80% reveals how efficiently the company runs its core business operations before interest and taxes. With ROE at 10.10% and ROA at 1.04%, the company achieves moderate returns on invested capital.
Q:What are HBAN's recent growth trends?
Huntington Bancshares Incorporated's revenue grew by 10.30% year-over-year, showing steady progress in growing the business. This positive trajectory indicates the company maintains competitive positioning in its markets. Earnings decreased by 10.90% year-over-year, reflecting the bottom-line impact of business performance. These growth metrics should be evaluated against BANKS - REGIONAL industry averages for proper context.

Dividend Information

Dividend Per Share

$0.62

Dividend Yield

4.01%

Ex-Dividend Date

Mar 18, 2026

Dividend Date

Apr 1, 2026

Q:What dividend income can investors expect from HBAN?
Huntington Bancshares Incorporated offers a dividend yield of 4.01%, paying $0.62 per share annually. This high yield exceeds 4%, significantly outperforming the S&P 500 average of 1.5-2% and most investment-grade bonds. For income-focused investors, this represents an attractive cash flow opportunity, though high yields sometimes signal market concerns about sustainability. To receive the next dividend, shares must be purchased before the ex-dividend date of Mar 18, 2026.
Q:How reliable is HBAN's dividend for long-term investors?
The dividend sustainability can be assessed through the payout ratio - Huntington Bancshares Incorporated pays $0.62 per share in dividends against earnings of $1.39 per share, resulting in a payout ratio of 44.60%. This balanced payout between 30-60% suggests a sustainable dividend policy that allows both shareholder returns and business reinvestment. The dividend appears well-covered by earnings. The next dividend payment is scheduled for Apr 1, 2026.

Company Size & Market

Market Cap

$30.9B

Revenue (TTM)

$7.69B

Revenue/Share (TTM)

$5.20

Shares Outstanding

2.03B

Book Value/Share

$13.79

Asset Type

Common Stock

Q:What is HBAN's market capitalization and position?
Huntington Bancshares Incorporated has a market capitalization of $30.9B, classifying it as a large-cap stock ($10B-$200B). Large-caps are typically industry leaders with established business models, offering a balance of stability and growth potential. They often provide dividend income and are core holdings in institutional portfolios. With 2.03B shares outstanding, the company's ownership is widely distributed. As a participant in the BANKS - REGIONAL industry, it competes with other firms in this sector.
Q:How does HBAN's price compare to its book value?
Huntington Bancshares Incorporated's book value per share is $13.79, while the current stock price is $15.28, resulting in a price-to-book (P/B) ratio of 1.11. This reasonable premium to book value suggests the market values the company's earnings power and intangible assets appropriately. Most profitable companies trade between 1-3x book value. As a common stock, this represents equity ownership with voting rights.

Analyst Ratings

Analyst Target Price

$20.64

35.08% upside potential

Analyst Recommendations

Strong Buy

3

Buy

14

Hold

4

Sell

0

Strong Sell

1

Q:How reliable are analyst predictions for HBAN?
22 analysts cover HBAN with 77% recommending buy/strong buy ratings. Analyst predictions have mixed reliability - studies show consensus rarely beats market returns consistently. The strong bullish consensus may already be priced in. The consensus target of $20.64 implies 35.1% upside, but targets are often adjusted to follow price moves rather than predict them.
Q:What is the Wall Street consensus on HBAN?
Current analyst recommendations:3 Strong Buy, 14 Buy, 4 Hold, 01 Strong Sell. The bullish tilt suggests optimism about future prospects, though investors should conduct independent research.Remember that analyst opinions often lag price movements and can be influenced by investment banking relationships.

Fundamentals last updated: Mar 15, 2026, 02:37 AM

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Huntington Bancshares (HBAN) Stock Analysis 2025: Complete Investment Guide

From Regional Player to Top-10 U.S. Bank

Huntington Bancshares has operated from Columbus, Ohio since 1866. For most of its history, the bank served customers across the Midwest without ambitions beyond its home territory. That changed under CEO Steve Steinour, who took over in 2009 during the financial crisis and rebuilt the bank into an acquisition machine. The TCF Financial merger in 2021 was the first major move, creating a top-25 U.S. bank and adding significant presence in Minnesota, Michigan, and Colorado.

Steinour accelerated the strategy in 2025. Huntington closed its acquisition of Veritex Holdings in October 2025, bringing $12 billion in assets and a strong commercial banking operation across Texas. Before that deal was even fully integrated, the company announced the Cadence Bank merger, which closed in February 2026. Cadence added branches across Texas, Georgia, Tennessee, Florida, and Alabama. The combined entity now manages $279 billion in assets with a branch network spanning from the upper Midwest to the Gulf Coast.

Financial Performance

  • •FY2025 Net Income: Approximately $2.2 billion across four quarters (Q1: $527M, Q2: $536M, Q3: $629M, Q4: $519M)
  • •Net Interest Income: Up 14% year-over-year in Q4 2025; up 11% in Q3; raised full-year guidance to 10-11% growth
  • •Revenue Growth: 14% year-over-year, driven by loan growth and higher net interest margin post-Veritex
  • •Earnings Per Share: Q3 2025 was the strongest quarter at $0.41/share; Q4 dropped to $0.30/share due to merger-related expenses
  • •Asset Base: $279 billion following Cadence Bank completion, ranking among the top 10 U.S. regional banks
  • •Dividend: $0.62 per share annually (3.5% yield), paid quarterly

The Acquisition Strategy

Steinour's playbook follows a clear pattern: acquire banks in faster-growing markets, extract cost synergies from consolidation, and reinvest savings into digital capabilities. The TCF merger generated $490 million in annual cost savings from branch closures, vendor rationalization, and back-office consolidation. Huntington closed approximately 198 overlapping branches while retaining TCF's customer base through targeted retention programs.

The Veritex acquisition brought something TCF did not: exposure to Texas, the fastest-growing large state economy in the U.S. Veritex operated primarily in Dallas-Fort Worth and Houston, two metropolitan areas adding hundreds of thousands of residents per year. Cadence Bank extended the geographic push further, adding branches in Austin, Atlanta, Nashville, Orlando, and Tampa. These are among the highest-growth metro areas in the country for both population and business formation. For a bank that historically relied on slower-growing Midwest markets, the geographic shift is significant.

Growth Catalysts

  • •Geographic Expansion: Texas and Southeast U.S. markets grow faster than Midwest legacy markets; population inflows and business relocations drive loan demand and deposit growth
  • •Net Interest Income Momentum: NII grew 14% in Q4 2025; Cadence Bank integration adds another layer of earning asset growth in 2026
  • •Cost Synergies: TCF merger realized $490M in annual savings; Veritex and Cadence should produce similar efficiencies from branch and back-office consolidation
  • •Digital Banking Investment: Award-winning digital platform serves as competitive advantage in newly entered markets; digital-first customers reduce branch dependency
  • •Commercial Banking Scale: Larger balance sheet enables participation in bigger loan syndications and treasury management mandates previously out of reach

Risks and Challenges

  • •Integration Execution: Three major acquisitions in five years strains management bandwidth; Cadence Bank integration is underway while Veritex integration is still being completed
  • •Credit Quality Uncertainty: Rapid loan book growth through acquisitions introduces portfolios that Huntington's underwriting team did not originate; inherited credit risk may surface in a downturn
  • •Interest Rate Sensitivity: NII growth has been a tailwind, but a falling rate environment would compress margins; the bank's asset sensitivity means lower rates directly reduce earnings
  • •Competition in New Markets: Texas and Southeast banking markets are crowded with strong incumbents (JPMorgan Chase, Bank of America, Regions Financial); winning market share requires sustained investment
  • •Regulatory Scrutiny: Rapid growth through M&A attracts closer regulatory attention; any compliance issues could slow future acquisition approvals

Competitive Landscape

Huntington competes with other super-regional banks including U.S. Bancorp, PNC Financial, KeyCorp, and Regions Financial. In the Midwest, PNC and KeyCorp are the closest competitors with overlapping branch networks. In Texas, Huntington now faces JPMorgan Chase, Bank of America, and Texas Capital Bancshares. The Cadence Bank merger puts Huntington into direct competition with Regions Financial and Truist across the Southeast.

Huntington's differentiator is its digital-first approach combined with community banking relationships. The bank has won J.D. Power awards for customer satisfaction and emphasizes what it calls a 'people-first, digitally powered' strategy. Whether that translates into market share gains in new geographies remains to be proven. The bank will need to compete not just with traditional rivals but also with fintech lenders and digital-only banks that target the same growth-market demographics.

Who Is This Stock Suitable For?

Perfect For

  • ✓Income investors seeking a 3.5% dividend yield from a bank with earnings growth to support future increases
  • ✓Regional bank investors who want exposure to high-growth Sun Belt markets through a proven acquirer
  • ✓Value-oriented investors comfortable buying a bank stock trading at moderate multiples during an integration phase
  • ✓Those who believe U.S. regional bank consolidation will continue and that scale advantages will compound over time

Less Suitable For

  • ✗Risk-averse investors concerned about integration risk from three simultaneous merger integrations
  • ✗Those worried about credit quality in an economic slowdown, especially in acquired loan portfolios
  • ✗Growth investors seeking faster EPS growth (merger costs depress near-term earnings)
  • ✗Investors who prefer banks focused on fee income and capital-light business models over traditional lending

Investment Thesis

Huntington Bancshares has executed a transformation from Midwest regional bank to top-10 national player through three acquisitions in five years. CEO Steve Steinour has a track record of extracting cost synergies (TCF's $490 million annual savings) while maintaining customer satisfaction. The geographic pivot toward Texas and the Southeast positions the bank in faster-growing markets where loan demand and deposit growth should outpace legacy Midwest operations.

The risk is execution. Integrating three banks simultaneously is operationally demanding, and any stumble in credit quality or customer retention could offset the strategic benefits. The Q4 2025 earnings decline to $0.30 per share (from $0.41 in Q3) illustrates how merger costs can temporarily weigh on results. For investors willing to look through the integration period, Huntington offers a compelling combination of geographic diversification, earnings growth potential, and a 3.5% dividend yield. The stock rewards patience, not momentum.

Conclusion

Huntington Bancshares is a regional bank in transformation mode, executing an acquisition-driven strategy that has expanded its footprint from the Midwest into Texas and the Southeast. The stock suits income-oriented investors who believe in the long-term value of geographic diversification and are willing to accept near-term integration volatility. The 3.5% dividend yield provides a floor while the growth thesis plays out.
Bull Case
$23 (30% upside) - Cadence and Veritex integrations deliver ahead of schedule, NII growth sustains above 10%, dividend increases resume
Base Case
$20 (13% upside) - Integrations proceed on plan, modest NII growth in 2026 as rate environment normalizes, dividend maintained
Bear Case
$13 (27% downside) - Credit quality deteriorates in acquired portfolios, integration costs exceed estimates, margin compression from rate cuts

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