HBAN
Financial ServicesHuntington Bancshares Incorporated · Banks - Regional · $25B
What is Huntington Bancshares Incorporated?
Huntington Bancshares Incorporated is the holding company for The Huntington National Bank, a regional bank serving consumers, businesses, and commercial clients across the United States. Headquartered in Columbus, Ohio, the bank operates across a broad range of lending, deposit, and financial services.
Huntington generates revenue through four core segments: Consumer and Business Banking, Commercial Banking, Vehicle Finance, and Regional Banking with its Private Client Group. The bank earns income from interest on loans and deposits, fees on financial products, and treasury and capital markets services. It serves everyday consumers, small businesses, middle-market companies, government entities, and specialty industries including healthcare and franchise finance.
Huntington Bancshares was established in 1980 and is headquartered in Columbus, Ohio.
- Consumer checking, savings, and money market accounts
- Small business and commercial lending solutions
- Vehicle financing for consumers
- Mortgage and home lending services
- Private client and wealth management services
Is HBAN a Good Stock to Buy?
UQS Score rates HBAN as Below Average overall, reflecting a mixed profile across its five quality pillars.
The Quality pillar stands out as the relative bright spot, suggesting the bank maintains reasonable operational standards for its segment. Valuation is rated Attractive, meaning the stock may not be pricing in a premium relative to its fundamentals — a consideration for value-oriented investors.
The Moat and Risk pillars are both rated Weak, pointing to limited competitive differentiation and meaningful exposure to financial and credit risks typical of regional banking. Growth is rated Neutral, indicating no strong near-term expansion signal.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does HBAN pay dividends?
Yes — Huntington Bancshares Incorporated pays a dividend.
Huntington Bancshares pays a regular dividend, consistent with the income-oriented tradition of large regional banks. The dividend reflects the company's ability to return capital to shareholders while managing its lending and deposit operations. Income-focused investors often consider HBAN for its dividend cadence, though payout sustainability should be weighed against the bank's Risk pillar rating.
When does HBAN report earnings?
Huntington Bancshares reports earnings on a quarterly cadence, standard for US-listed bank holding companies.
As a regional bank, HBAN's quarterly results are shaped by net interest income trends, loan growth, credit quality, and fee revenue. The bank's performance tends to reflect broader interest rate conditions and regional economic activity across its core Midwest markets.
For the most recent quarter's results and guidance, visit Huntington Bancshares' investor relations page directly.
HBAN Price History
+33.6% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Huntington Bancshares Incorporated?
Based on Huntington Bancshares Incorporated's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
HBAN Long-term Outlook
With Growth rated Neutral and Risk rated Weak, HBAN's fundamental outlook suggests a bank navigating a challenging environment without a clear near-term catalyst for accelerated expansion. The Attractive Valuation label indicates the market may already be discounting some of these headwinds. Investors weighing the long-term picture should consider whether the bank's regional focus and vehicle finance exposure can drive durable earnings improvement.
Growth drivers
- Potential benefit from stabilizing or declining interest rates on loan demand
- Expansion of specialty commercial banking in healthcare and franchise finance
- Cross-selling wealth management and private client services to existing customers
Key risks
- Credit quality deterioration in consumer and vehicle finance portfolios
- Competitive pressure from larger national banks and fintech lenders
- Sensitivity to regional economic conditions across Midwest markets
HBAN vs Peers
Huntington Bancshares competes in the regional banking space alongside several large peers with overlapping geographic and product footprints.
Regions operates primarily across the South and Midwest, offering a similar mix of consumer and commercial banking with a distinct regional concentration.
First Citizens has grown significantly through acquisitions and brings a broader national footprint compared to Huntington's Midwest-focused model.
KeyCorp shares geographic overlap with Huntington in the Great Lakes region and competes directly in commercial lending and consumer banking.
Frequently Asked Questions
What does Huntington Bancshares do?
Huntington Bancshares is the holding company for The Huntington National Bank. It provides consumer banking, commercial lending, vehicle financing, mortgage services, and private wealth management. The bank serves individuals, small businesses, middle-market companies, and specialty industries primarily across the Midwest United States.
Does HBAN pay dividends?
Yes, Huntington Bancshares pays a regular dividend. This is consistent with the bank's history of returning capital to shareholders. Income-focused investors often consider HBAN for its dividend, though the bank's Risk pillar rating warrants attention when assessing payout durability.
When does HBAN report earnings?
Huntington Bancshares reports earnings quarterly, as is standard for US-listed bank holding companies. For the exact schedule and most recent results, check the investor relations section of the company's official website.
Is HBAN a good stock to buy?
UQS Score rates HBAN as Below Average overall. The Valuation pillar is Attractive and Quality is rated Good, but Moat and Risk are both Weak. Whether HBAN fits your portfolio depends on your risk tolerance and investment goals. The full pillar breakdown is available to UQS Pro members.
Is HBAN overvalued?
The UQS Valuation pillar for HBAN is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. For a regional bank with Weak Moat and Risk ratings, the valuation may reflect existing market caution rather than hidden upside.
How does HBAN compare to its competitors?
Huntington competes with regional peers like Regions Financial, First Citizens BancShares, and KeyCorp. Each operates in overlapping markets with similar product sets. HBAN's Midwest concentration and vehicle finance segment are distinguishing features. UQS Pro members can view side-by-side pillar comparisons.
What is HBAN's market cap bracket?
Huntington Bancshares is classified as a large-cap stock, placing it among the larger regional banks in the US financial sector. This size typically implies greater liquidity and analyst coverage compared to smaller regional peers.
Who founded Huntington Bancshares?
Huntington Bancshares was incorporated in 1980, though the bank's roots trace back to P.W. Huntington, who founded the original Huntington bank in the nineteenth century. Founding history is widely documented in the company's public filings and official history.
Is HBAN a long-term quality investment?
From a long-term quality standpoint, HBAN's UQS profile shows a mixed picture. Quality is rated Good, but Moat and Risk are Weak — factors that matter over longer holding periods. The Attractive Valuation may offer some margin of safety, but sustained quality improvement would strengthen the long-term case.
What is the main competitive advantage of Huntington Bancshares?
Huntington's regional depth in the Midwest, combined with specialty lending in areas like vehicle finance, healthcare, and franchise finance, provides some differentiation. However, the UQS Moat pillar is rated Weak, indicating these advantages may not yet translate into durable competitive barriers.
What sector does HBAN belong to?
HBAN belongs to the Financial Services sector, specifically operating as a regional bank holding company. Regional banks are sensitive to interest rate cycles, credit conditions, and local economic trends — all factors reflected in HBAN's UQS pillar profile.
Is HBAN a growth stock or value stock?
Based on its UQS profile, HBAN leans toward the value side. Growth is rated Neutral, suggesting limited near-term expansion momentum, while Valuation is rated Attractive. This combination is more characteristic of a value-oriented holding than a high-growth opportunity.
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Pro Analysis
HBAN — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 54.0 | 65.3 | 28.0 | 41.1 | 63.7 | 86.3 | -0.1 |
| May 14, 2026 | 54.1 | 65.3 | 28.0 | 41.1 | 63.7 | 86.4 | 0.0 |
| May 12, 2026 | 54.1 | 65.3 | 28.0 | 41.1 | 63.7 | 86.6 | +4.6 |
| May 3, 2026 | 49.5 | 68.7 | 28.0 | 41.1 | 26.5 | 87.7 | -0.1 |
| May 2, 2026 | 49.6 | 68.7 | 28.0 | 41.1 | 26.5 | 87.8 | 0.0 |
| Apr 26, 2026 | 49.6 | 68.7 | 28.0 | 41.2 | 26.5 | 87.8 | 0.0 |
| Apr 25, 2026 | 49.6 | 68.7 | 28.0 | 41.3 | 26.5 | 88.1 | -0.3 |
| Apr 21, 2026 | 49.9 | 68.7 | 28.0 | 41.3 | 26.5 | 89.8 | 0.0 |
| Apr 18, 2026 | 49.9 | 68.7 | 28.0 | 41.3 | 26.5 | 89.6 | -1.5 |
| Apr 12, 2026 | 51.4 | 68.7 | 28.0 | 41.3 | 26.5 | 99.6 | 0.0 |
HBAN — Pillar Breakdown
Quality
— 65.3/100 (25%)Huntington Bancshares Incorporated shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 41.1/100 (20%)Huntington Bancshares Incorporated shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 63.7/100 (15%)Huntington Bancshares Incorporated maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 86.3/100 (15%)Huntington Bancshares Incorporated appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 28/100 (25%)Huntington Bancshares Incorporated operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for HBAN.
Score Composition
Financial Data
More Stock Analysis
How is the HBAN UQS Score Calculated?
The UQS (Unified Quality Score) for Huntington Bancshares Incorporated is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Huntington Bancshares Incorporated's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Huntington Bancshares Incorporated is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.