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what it is
Huntington is a regional bank that takes deposits, makes loans, and sells investment, trust, brokerage, and insurance services.
how it gets paid
Last year Huntington Banc made $1.6B in revenue. Commercial loans was the main engine at $0.74B, or 46% of sales.
why it's growing
Revenue grew 6.4% last year. This growth was driven by disciplined pricing and a focus on growing primary banking relationships.
what just happened
Huntington posted $0.30 in quarterly profit per share, missing the $0.36 estimate by 16.67%.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
60/100 earnings predictability — reasonably predictable
13.7x trailing p/e — the market's not buying it — or you found a deal
3.4% dividend yield — cash in your pocket every quarter
xvary composite: 52/100 — below average
What they do
Huntington is a regional bank that takes deposits, makes loans, and sells investment, trust, brokerage, and insurance services.
Huntington wins by being sticky in boring places. It has more than 1,000 offices across 11 states, and that branch network still matters when you want your main checking account, mortgage, and business loan in one place. Deposits rose 8.6% vs. prior year, which means customers left more cash with Huntington even while banks fought hard on rates.
How they make money
$1.6B
annual revenue · their business grew +6.4% last year
Commercial loans
$0.74B
Commercial real estate loans
$0.16B
Residential loans
$0.38B
Consumer loans
$0.26B
Other lending and services
$0.06B
The products that matter
business loans and banking services
Commercial Banking
core profit engine
It drives much of the bank's $1.2B in net interest income. That matters because lending spreads still decide most of the earnings story.
$1.2B income pool
retail deposits and consumer loans
Consumer Banking
1,047 branches
It supports the 1,047-branch network and roughly $100B deposit base. In banking, low-cost deposits are inventory.
~$100B deposits
payments and treasury services
Treasury Management
fee contributor
It feeds the $400M fee and other income bucket. That bucket is only one-quarter of the mix, so growth here helps diversify the bank away from pure spread income.
$400M fees
Key numbers
8.6%
deposit growth
This is the whole story. More deposits mean more low-cost funding, which helps a bank earn more on the same loan book.
37%
debt capital
That is 37% of capital. Banks run on borrowed money, but this tells you how much cushion sits under the stock.
3.4%
dividend yield
You get paid 3.4% to wait, but projected dividend growth is just 1.5%, so this is income first, expansion later.
10%
return on equity
Return on equity → profit generated from shareholder money → so what: Huntington is profitable, but not at the elite level that forces a premium valuation.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 55 / 100
- long-term debt $17.2B (37% of capital)
- return on equity 10% — $0.10 profit for every $1 investors have put in
B++ — functional but not a standout on the balance sheet.
Total return vs. market
You invested $10,000 in HBAN 3 years ago → it's now worth $14,290.
The index would have given you $13,880.
source: institutional data · total return
What just happened
missed estimates
Huntington posted $0.30 in quarterly profit per share, missing the $0.36 estimate by 16.67%.
The bigger operating story was better than the headline. Deposits grew 5.1% quarter over quarter and 8.6% vs. prior year, while net interest income rose 5.6% quarter over quarter.
$1.2B
revenue
$0.30
eps
n/a
n/a
the number that mattered
The 8.6% deposit growth mattered more than the quarter's miss, because deposit growth is what funds future profit for a regional bank.
-
huntington bancshares looks poised to post solid results this year.the bank turned in an impressive performance to close out last year, and we expect this growth to continue in 2026.
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deposits increased 5.1%, quarter-over-quarter, and 8.6%, from a year ago.
-
this growth was driven by disciplined pricing and a focus on growing primary banking relationships.
-
net interest income rose 5.6%, quarterover-quarter.
-
fee income was strong across various areas, including payments, wealth management, and capital markets, with payments growing 5% and wealth management up 10% from a year ago.through strategic partnerships with veritex and cadence, huntington is increasing its presence in texas and the carolinas. these regions are projected to grow faster than the national average, which should help huntington gain access to new customer bases and enhance its market density. these partnerships are being integrated quickly and efficiently, with systems migrations well underway. these integrations ought to unlock substantial cost and revenue, which should further fuel growth.
source: company earnings report, 2026
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What could go wrong
The #1 risk is missing the 2027 earnings and return targets. At 13.7x earnings, you are already paying for better profitability than the bank produces today.
high
failure to hit 2027 EPS targets
Management's stated 2027 EPS range is $1.90–$1.93, with an 18–19% return on tangible common equity target. If those numbers drift, the premium setup in the stock gets harder to defend.
This is the valuation risk. The stock is at $19 now because the market assumes those future earnings show up.
med
deposit and margin pressure
About 75% of the revenue mix shown here is net interest income. If deposit costs rise faster than loan yields, the main earnings engine compresses.
When the spread business softens, a 25% fee mix is not big enough to fully offset it.
med
regional concentration
You own 1,047 branches across 11 states in the Midwest and South. A regional credit downturn would hit loans, deposits, and fee activity at the same time.
This is not a globally diversified bank. Geography matters here.
low
new-market execution risk
Texas and the Carolinas are part of the growth narrative, but this page does not show hard contribution numbers yet. Expansion stories are easy to tell before they are visible in the math.
If new markets do not add deposits and fee income quickly, the branch footprint just gets larger, not more profitable.
The stock can work if profitability rises from today's 10% return on equity toward management's 2027 goals. If it doesn't, you own an ordinary regional bank at a not-so-ordinary multiple.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
net interest income
It already makes up about 75% of the revenue mix shown here. If that line slows, the rest of the thesis starts doing cardio.
calendar
next earnings checkpoint
You want another clean read on deposits, expenses, and whether the EPS bridge to $1.90–$1.93 still looks credible.
trend
fee income mix
Fees grew 10% versus 5% for net interest income. If that gap holds, the business gets a little less rate-sensitive from here.
risk
proof from new markets
Texas and the Carolinas sound good on a slide. You need deposits, loans, and fee growth that show up in reported numbers.
Analyst rankings
earnings predictability
60 / 100
This is middle-of-the-road visibility. In human-speak, analysts think the bank is readable, but not enough to rule out surprises.
source: institutional data
Institutional activity
institutions have been net buying for 3 consecutive quarters — 468 buyers vs. 436 sellers in 3q2025. total institutional holdings: 1.3B shares. net buying for 3 quarters.
source: institutional data
Price targets
3-5 year target range
$15
$27
$19
current price
$21
target midpoint · +11% from current · 3-5yr high: $35 (+85% · 19% ann'l return)
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