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⚠️ Not investment advice. Past performance does not guarantee future results.
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Huntington Bancshares HBAN

United States Financial Services
6.1/10
AI Analyst score
15.64 USD
Last price at analysis date · analyst target 19.75 (+26.3%)
🛒 Where to buy HBANPartner brokers · US (NYSE/Nasdaq) · sample 200.00 € orderUS (NYSE/Nasdaq)
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🟡 HOLD — Hold positions; margin and loan growth pressures are partially priced in, but the dividend is sustainable and valuation is reasonable.

Huntington Bancshares is a US regional bank offering commercial and consumer banking services, wealth management, and financing solutions to individuals and businesses in the Midwest of the United States. Huntington Bancshares maintains solid business quality with operating margins of 41.93%, but faces margin and loan growth pressures that have led to a 2027 outlook cut.

Financial health
3.5
Quality / Moat
8.9
Valuation
6.0
Growth
6.6
Dividend
8.1
Momentum
2.6
Risk & Context
6.1

Detailed metrics

Market and fundamental data as of the analysis date.

💵 Valuation
P/E12.03
Fwd P/E8.81
EV/EBITDAN/D
P/B1.06
P/S3.44
PEG1.87
Market cap31.60 B USD
Enterprise value40.52 B USD
🏰 Quality and moat
ROIC (approx.)7.3%
Gross margin0.00%
FCF conversionN/D
Operating margin41.93%
📈 Profitability and margins
ROE9.00%
ROA0.98%
Net margin26.13%
FCFN/D
FCF yieldN/D
🏦 Solvency and liquidity
Total debt22.61 B USD
Net debt6.00 B USD
Cash16.61 B USD
EBITDAN/D
Net debt / EBITDAN/D
D/EN/D
Current ratioN/D
Quick ratioN/D
🚀 Growth
Revenue growth47.60%
Earnings growth-2.90%
EPS (TTM)1.30 USD
EPS (Fwd)1.77 USD
💰 Dividend and risk
Dividend yield3.96%
Payout47.7%
Beta0.94
Analyst consensusBuy (19)
Target price19.75 USD
52-week range14.89 USD – 19.46 USD
⚠️ Main risk: Continued pressure on net interest margin and loan growth, which has already led to a 2027 outlook cut, is the biggest risk for HBAN.
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Full AI report

Generated automatically from the metrics, the macro context and the company's news.

Huntington Bancshares is a US regional bank offering commercial and consumer banking services, wealth management, and financing solutions to individuals and businesses in the Midwest of the United States. Huntington Bancshares maintains solid business quality with operating margins of 41.93%, but faces margin and loan growth pressures that have led to a 2027 outlook cut.

Score by category

CategoryScore
Financial health3.5
Quality / Moat8.9
Valuation6.0
Growth6.6
Dividend8.1
Momentum2.6
Risk & Context6.1

OVERALL SCORE: 6.1/10

Context and risks

The ECB's rate hike and the Fed's easing bias create a mixed margin environment for HBAN. Pressure on net interest margin is a material risk, but it is already partially priced in after the outlook cut and recent share decline.

News considered in the analysis

  • Huntington Cut Its Outlook Right as the Fed Hiked. First Crack in Regional-Bank Margins? — La rebaja de perspectivas por presión en márgenes y préstamos es un hecho material ya ocurrido, parcialmente descontado por la caída reciente de la acción.
  • Huntington Bancshares Cuts 2027 Outlook as Margin, Loan Growth Pressures Mount — La rebaja de perspectivas para 2027 por presión en márgenes y crecimiento de préstamos es un hecho material ya ocurrido, parcialmente descontado por la caída reciente de la acción.
  • Huntington Rewards Shareholders With Higher 2027 Buyback Plan — El aumento del plan de recompra es positivo pero ya anunciado y parcialmente descontado; refuerza la confianza de la dirección en el capital.
  • 3 Regional Bank Stocks Retail Investors Are Watching As Higher Rates Lift Margins — Listículo genérico sin información específica sobre HBAN.
  • These 3 Stocks Under $20 Have Wall Street Looking Past the Share Price — Listículo sin información nueva sobre HBAN.

Verdict: Hold positions; margin and loan growth pressures are partially priced in, but the dividend is sustainable and valuation is reasonable.

Main risk: Continued pressure on net interest margin and loan growth, which has already led to a 2027 outlook cut, is the biggest risk for HBAN.

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Automatically generated analysis from fundamental, market and news data. Not personalised financial advice — a research tool, not an individual recommendation. Past performance does not guarantee future results. Last update of this analysis: 2026-09-28. Legal notice, privacy & cookies.