HBAN
NEUTRAL
$16.38
Live
Huntington Bancshares Incorporated · NASDAQ
Target $19.73
(+20.4%)
$12.96
52W Range
$19.46
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 11, 2026
Market cap
$33.37B
P/E
11.78
ROE
10.1%
Profit margin
28.7%
Debt/Equity
N/A
Dividend yield
3.79%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
HBAN presents a mixed profile with a stable Piotroski F-Score of 4/9 and a Graham Number of $20.76 suggesting significant defensive undervaluation relative to its current price of $16.38. While the bank maintains a healthy dividend payout ratio and consistent historical earnings beats, there is a concerning divergence between revenue growth (+10.30%) and earnings growth (-10.90%). The technical trend is currently bearish (0/100), and the intrinsic growth-based value ($9.73) suggests the market is pricing in premiums that the current earnings trajectory does not fully support.
Key Strengths
Attractive valuation with a P/E of 11.78 and Forward P/E of 8.56
Trading significantly below its Graham Number of $20.76
Sustainable dividend profile with a 44.60% payout ratio
Strong historical track record of beating quarterly earnings estimates
Positive top-line revenue growth of 10.30% YoY
Key Risks
Negative earnings growth (-10.90% YoY) indicating margin compression
Bearish technical trend (0/100 score)
Piotroski F-Score of 4/9 indicates only stable, not strong, financial health
Divergence between revenue growth and net income growth
Regional bank sector exposure to interest rate volatility
AI Fair Value Estimate
Based on comprehensive analysis
$18.25
+11.4% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
65
Strong
85
45
70
50
75
AI Verdict
Hold/Value Play
Key drivers: Low valuation multiples, Negative earnings growth, Stable health metrics, Strong dividend sustainability
Confidence
85%
Value
85/100
Ref P/E 11.78, Graham Number $20.76
Positives
- P/E well below sector average
- Price/Book of 1.19 is reasonable
- Current price is ~21% below Graham Number
Watchpoints
- Intrinsic growth value is significantly lower than current price
Future
45/100
Ref Revenue Growth 10.30% vs Earnings Growth -10.90%
Positives
- Consistent revenue growth
Watchpoints
- Negative YoY earnings growth
- Negative Q/Q earnings growth
Past
70/100
Ref 25-quarter earnings track record
Positives
- Long-term earnings beat consistency
- Positive 1Y and 3Y price performance
Watchpoints
- Recent quarterly earnings progression showing slight decline
Health
50/100
Ref Piotroski F-Score 4/9
Positives
- Piotroski score in the 'Stable' range
Watchpoints
- F-Score of 4/9 is mediocre
- Lack of Altman Z-Score data for definitive distress analysis
Dividend
75/100
Ref Yield 3.79%, Payout 44.60%
Positives
- Healthy 3.79% yield
- Conservative payout ratio (44.6%)
Watchpoints
- Dividend strength score is only 50/100
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$16.38
Analyst Target
$19.73
Upside/Downside
+20.4%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for HBAN and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
HBAN
Huntington Bancshares Incorporated
Primary
|
+24.2% | +64.2% | +32.0% | +7.0% | +5.8% | +3.7% |
|
ACGL
Arch Capital Group Ltd.
Peer
|
+158.1% | +46.0% | +3.4% | +1.3% | -5.2% | -3.9% |
|
PRU
Prudential Financial, Inc.
Peer
|
+34.8% | +38.6% | -7.3% | -2.0% | -1.7% | +3.2% |
|
BBDO
Banco Bradesco S.A.
Peer
|
+15.8% | +72.0% | +93.0% | +43.2% | +18.3% | +14.4% |
|
BAP
Credicorp Ltd.
Peer
|
+143.6% | +167.7% | +99.6% | +46.0% | +19.0% | +7.0% |
HBA
Huntington Bancshares Incorporated
Primary
5Y
+24.2%
3Y
+64.2%
1Y
+32.0%
6M
+7.0%
1M
+5.8%
1W
+3.7%
ACG
Arch Capital Group Ltd.
Peer
5Y
+158.1%
3Y
+46.0%
1Y
+3.4%
6M
+1.3%
1M
-5.2%
1W
-3.9%
PRU
Prudential Financial, Inc.
Peer
5Y
+34.8%
3Y
+38.6%
1Y
-7.3%
6M
-2.0%
1M
-1.7%
1W
+3.2%
BBD
Banco Bradesco S.A.
Peer
5Y
+15.8%
3Y
+72.0%
1Y
+93.0%
6M
+43.2%
1M
+18.3%
1W
+14.4%
BAP
Credicorp Ltd.
Peer
5Y
+143.6%
3Y
+167.7%
1Y
+99.6%
6M
+46.0%
1M
+19.0%
1W
+7.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
11.78
Forward P/E
8.56
PEG Ratio
N/A
P/B Ratio
1.19
P/S Ratio
4.34
EV/Revenue
5.32
EV/EBITDA
N/A
Market Cap
$33.37B
Profitability
Profit margins and return metrics
Profit Margin
28.74%
Operating Margin
39.78%
Gross Margin
N/A
ROE
10.1%
ROA
1.04%
Growth
Revenue and earnings growth rates
Revenue Growth
+10.3%
Earnings Growth
-10.9%
Q/Q Revenue Growth
+9.47%
Q/Q Earnings Growth
-2.1%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$7.09
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$2.1B
Net Margin
24.3%
Total Assets
$225.1B
Liabilities
$200.7B
Equity
$24.3B
Debt/Equity
8.25x
Operating CF
$0.9B
CapEx
$-0.1B
Free Cash Flow
$0.8B
FCF Yield
87%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-23
$N/A
2026-01-22
$0.37
-1.3% surprise
2025-10-17
$0.4
+7.1% surprise
2025-07-18
$0.35
+1.2% surprise
Financial Services Sector Comparison
Comparing HBAN against 341 companies in the Financial Services sector
(60 bullish, 147 neutral, 134 bearish)
P/E Ratio
11.78
This Stock
vs
54.09
Sector Avg
-78.2%
(Discount)
Return on Equity (ROE)
10.1%
This Stock
vs
-0.66%
Sector Avg
-1626.4%
(Below Avg)
Profit Margin
28.74%
This Stock
vs
63.27%
Sector Avg
-54.6%
(Weaker)
Revenue Growth
10.3%
This Stock
vs
44.9%
Sector Avg
-77.1%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
HBAN
Huntington Bancshares Incorporated
|
NEUTRAL | $33.37B | 11.78 | 10.1% | 28.7% | $16.38 | |
|
ACGL
Arch Capital Group Ltd.
|
NEUTRAL | $33.89B | 8.06 | 19.5% | 22.1% | $93.47 | Compare |
|
PRU
Prudential Financial, Inc.
|
NEUTRAL | $34.2B | 9.84 | 11.4% | 5.8% | $98.28 | Compare |
|
BBDO
Banco Bradesco S.A.
|
BEARISH | $38.99B | 9.18 | 12.6% | 24.2% | $3.49 | Compare |
|
BAP
Credicorp Ltd.
|
NEUTRAL | $27.33B | 14.35 | 18.5% | 31.6% | $344.33 | Compare |
HBAN
Huntington...
NEUTRAL
Mkt Cap
$33.4B
P/E
11.8
ROE
10.1%
Price
$16.38
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-01 | DIAZ-GRANADOS RAFAEL ANDRES | Director | Stock Award | 648 | - |
| 2026-04-01 | SHEA TERESA H | Director | Stock Award | 295 | - |
| 2026-04-01 | HINGST MARCY C | General Counsel | Stock Award | 2,120 | - |
| 2026-04-01 | LAWLOR BRENDAN A | Officer | Stock Award | 427 | - |
| 2026-04-01 | KOWALSKI KENDALL A | Chief Technology Officer | Stock Award | 737 | - |
| 2026-04-01 | DHINGRA AMIT | Officer | Stock Award | 746 | - |
| 2026-04-01 | NATERI PRASHANT | Chief Operating Officer | Stock Award | 536 | - |
| 2026-04-01 | POHMER SARAH E | Officer | Stock Award | 1,814 | - |
| 2026-04-01 | MILLER TIMOTHY W | Officer | Stock Award | 722 | - |
| 2026-04-01 | TATE JEFFREY L. | Director | Stock Award | 553 | - |
| 2026-04-01 | KLINE KATHERINE M. A. | Director | Stock Award | 922 | - |
| 2026-04-01 | SANTHANAKRISHNAN SENTHILKUMAR | Officer | Stock Award | 800 | - |
| 2026-04-01 | STEINOUR STEPHEN D | Chief Executive Officer | Stock Award | 7,351 | - |
| 2026-04-01 | WASSERMAN ZACHARY JACOB | Chief Financial Officer | Stock Award | 2,535 | - |
| 2026-04-01 | WHITE DONNELL R | Officer | Stock Award | 193 | - |
DIAZ-GRANADOS RAFAEL ANDRES
Director
2026-04-01
648 shares
SHEA TERESA H
Director
2026-04-01
295 shares
HINGST MARCY C
General Counsel
2026-04-01
2,120 shares
LAWLOR BRENDAN A
Officer
2026-04-01
427 shares
KOWALSKI KENDALL A
Chief Technology Officer
2026-04-01
737 shares
DHINGRA AMIT
Officer
2026-04-01
746 shares
NATERI PRASHANT
Chief Operating Officer
2026-04-01
536 shares
POHMER SARAH E
Officer
2026-04-01
1,814 shares
MILLER TIMOTHY W
Officer
2026-04-01
722 shares
TATE JEFFREY L.
Director
2026-04-01
553 shares
KLINE KATHERINE M. A.
Director
2026-04-01
922 shares
SANTHANAKRISHNAN SENTHILKUMAR
Officer
2026-04-01
800 shares
STEINOUR STEPHEN D
Chief Executive Officer
2026-04-01
7,351 shares
WASSERMAN ZACHARY JACOB
Chief Financial Officer
2026-04-01
2,535 shares
WHITE DONNELL R
Officer
2026-04-01
193 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
20 analysts
JP Morgan
2026-04-07
Overweight
Overweight
Evercore ISI Group
2026-04-06
Outperform
Outperform
Morgan Stanley
2026-03-31
Overweight
Overweight
DA Davidson
2026-03-16
Buy
Buy
Truist Securities
2026-03-13
Buy
Buy
Morgan Stanley
2026-03-02
Overweight
Overweight
JP Morgan
2026-02-09
Overweight
Overweight
Truist Securities
2026-01-26
Buy
Buy
Morgan Stanley
2026-01-23
Overweight
Overweight
Keefe, Bruyette & Woods
2026-01-23
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning HBAN from our newsroom.
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