Huntington Bancshares Incorpora (HBAN) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Huntington Bancshares Incorpora

NasdaqGS•Financial Services•Banks - Regional

$15.83-0.06(<0.01%)Market open

Market Cap

$32.10B

P/E

13.4x

P/S

1.3x

P/B

1.0x

Huntington Bancshares Incorporated operates as the bank holding company for The Huntington National Bank that provides commercial, consumer, and mortgage banking services. It offers financial products and services to consumer and business customers, including deposits, lending, payments, mortgage banking, dealer financing, investment management, trust, brokerage, insurance, and other financial products and services. The company also provides 24-Hour Grace, Asterisk-Free Checking, Money Scout, $50 Safety Zone, Standby Cash, Early Pay, Instant Access, Savings Goal Getter, And Huntington Heads Up; digitally powered consumer and business financial solutions to consumer finance, regional banking, branch banking, and wealth management customers; direct and indirect consumer loans; dealer finance loans and deposits; and private banking, wealth management and legacy planning through investment and portfolio management, fiduciary administration and trust, institutional custody, and full-service retail brokerage investment services. In addition, it offers equipment financing, asset-based lending, distribution finance, structured lending, municipal financing solutions, and Huntington ChoicePay. Additionally, the company provides lending, liquidity, treasury management and other payment services, and capital markets; government and non-profits, healthcare, technology and telecommunications, franchises, financial sponsors, fund finance, Native American financial, and global services; and corporate risk management, institutional sales and trading, debt and equity issuance, and additional advisory services. The company offers its products through a network of channels, including branches and ATMs, online and mobile banking, and through customer call centers to customers in middle market banking, corporate, specialty, and government banking, asset finance, commercial real estate banking, and capital markets. The company was founded in 1866 and is headquartered in Columbus, Ohio.

How this company scores

WeakMetricSide Score: 71/100

Grade capped at D — Interest coverage below 1× (0.3x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (22/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability16/25

Growth20/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality22/25

Strengths

Growing revenueRising free cash flowImproving leverageConsistent growth

Grade capped at D

Interest coverage below 1× (0.3x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.4x5y range 6.4x – 18.9x

Currently near its 20-quarter median.

P/S · 1.3x5y range 0.9x – 2.5x

Currently near its 20-quarter median.

P/B · 1.0x5y range 0.8x – 1.2x

Currently near its 20-quarter median.

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Watch

Operating margins declined 5.9% — watch for continued compression, which may signal competitive or cost pressure.

Share Dilution

Red Flag

Shares outstanding increased 39.1% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $32.10B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $23.92B
Q. Revenue: $6.94B
TTM EBITDA: $2.93B
TTM Op. Income: $2.93B
Q. Op. Income: $896.00M
TTM Net Income: $2.40B
Q. Net Income: $727.00M
EPS: $0.34
Shares Out.: $2.02B

$23.92B in TTM revenue grew 20.5% YoY, reaching $6.94B last quarter. TTM EBITDA of $2.93B and TTM operating income of $2.93B show growth is flowing through to the bottom line. TTM net income of $2.40B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 61.7%
EBITDA Margin: 12.9%
Op. Margin: 12.9%
Net Margin: 10.5%

Op. margin of 12.9% is up 0.1% YoY — cost efficiency is improving. Net margin at 10.5% and gross margin of 61.7% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 1% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.4x
P/S Ratio: 1.3x
P/B Ratio: 1.0x

At 13.4x P/E, the stock trades below typical market levels. P/S of 1.3x and P/B of 1.0x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 3 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $283.98B
Cash: $3.33B
Long-Term Debt: $18.74B
Book Value: $32.62B
D/E Ratio: 0.6
Debt/EBITDA: 20.9

With $283.98B in assets and $18.74B in long-term debt, D/E is 0.6and book value is $32.62B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 5 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $1.12B
TTM Free Cash Flow: $2.68B
FCF Margin: 11.2%
FCF / Net Income: 1.1

TTM FCF of $2.68B on $1.12B in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 39% — an improving trend.