Stock Analysis
Huntington Bancshares IncHBAN
P/E 12.87×· 5Y range 5.70–18.75×· 63th percentile of history
Sector: Financial Services · Industry: National Commercial Banks
AnalystsStrong Buy26 analystsP/E 12.9× sits at the 63rd percentile of its 5.089664613278576-year history.
Cash covers 69% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Growth77
Risks
- Financial Health26
- Quality40
Mixed picture — no clear quality or value edge.
Bull Case
- ✓Revenue CAGR 19.7% — durable top-line growth
What's happening with HBAN
Profile
Strong growth; financial health and earnings quality lag behind.
How is each axis scored?
- Valuation70/100 · Moderate
- P/E vs own history (63th pct)5/25
- FCF yield (8.7%)25/25
- P/S (2.1x)20/25
- EV/EBIT (14.1x)20/25
- Growth77/100 · Strong
- Revenue CAGR (19.7%)20/25
- Net income CAGR (14.3%)20/25
- EPS CAGR 5Y (9.9%)12/25
- Fwd implied growth (44.3%)25/25
- Profitability50/100 · Moderate
- ROIC (5.4%)5/25
- ROE (7.3%)5/25
- Net margin (16.6%)20/25
- Operating margin (18.7%)20/25
- Financial Health26/100 · Weak
- Altman Z (0.06)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.5x)3/25
- Net cash / debt (D/A 2%)20/25
- Quality40/100 · Weak
- Piotroski F (5/9)15/25
- Beneish M (4.35)0/25
- FCF conversion (112%)25/25
- Margin stability (σ 55.5%)0/25
- Moat50/100 · Moderate
- ROIC >12% years (0/5 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 15.6%)25/25
Risk Flags
- ⚠Altman Z 0.1 — distress-zone balance sheet
- ⚠Beneish M 4.35 — earnings-manipulation flag
- ⚠Interest coverage 0.5× — thin debt cushion
About Huntington Bancshares Inc
Huntington is a regional US bank with over $285 billion in assets. Show more
It offers a full suite of consumer deposit and lending services, along with commercial services focused on payments, investment management, capital markets, equipment financing, treasury management, and other common banking services.
Headquarters: COLUMBUS, OH · Employees: 26,407 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
70B+P/E (TTM)12.9xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 5.7x–18.7x · 63rd pct
P/FCF11.6xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield8.7%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 3.9%–23.5% · 40th pct
P/S (TTM)2.15xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.3x–16.0x · 26th pct
EV/EBIT14.1xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 5.4x–37.9x · 59th pct
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E8.9xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio0.95xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.92A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield3.73%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio48.3%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
50CROIC5.4%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE7.3%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA0.9%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin16.6%A
Grade A: HighNet Income / Revenue
Operating Margin18.7%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin18.6%A
Grade A: HighFCF / Revenue
True FCF Margin17.5%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
77B+Revenue CAGR19.7%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR14.3%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)9.9%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth44.3%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)+84.6%D
Grade D: DilutiveShare count change over 5Y
SBC / Net Income6.5%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue1.1%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
26EAltman Z-Score0.06D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.5xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment2.6yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT2.6xC
Grade C: MedLeverage. <2x Low, >4x High
Debt/Equity0.69xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.69xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
40D+Piotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score4.35D
Grade D: RiskyEarnings manipulation risk. < -2.22 Safe
FCF Conversion111.9%A
Grade A: StrongFCF / Net Income
Margin Stability55.5%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue2.6%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Rodriguez Alice L Filed | Rodriguez Alice L | Grant / award | +96 | |
Miller Timothy W Filed | Miller Timothy W | Grant / award | +681 | |
Pohmer Sarah E Filed | Pohmer Sarah E | Grant / award | +1.7K | |
Kowalski Kendall A Filed | Kowalski Kendall A | Grant / award | +72 | |
Kowalski Kendall A Filed | Kowalski Kendall A | Grant / award | +715 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Nateri Prashant Filed | Nateri Prashant | Grant / award | +571 | |
Dhingra Amit Filed | Dhingra Amit | Grant / award | +75 | |
Dhingra Amit Filed | Dhingra Amit | Grant / award | +722 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
50CROIC >12% Years0/5 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor15.6%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$1.19
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$1.11
Cash & short-term investments per share (Finnhub)
Book Value / Share$16.15
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$22.61B
Total debt obligations (short + long term)
Cash & Equiv.$15.60B
Cash and short-term investments
Net Debt$7.01B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$32.66B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$30.91B
Current Market Capitalization
Beta1.01B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Huntington Bancshares Inc (HBAN)
HBAN is down 0.52% at the last close. Piotroski F-Score of 5/9 indicates mixed fundamentals for Huntington Bancshares Inc. Altman Z-Score of 0.06 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of 4.35 is above the −1.78 flag threshold, a signal that reported earnings warrant closer scrutiny. Revenue has compounded at roughly 20% annually, with net income growing about 14% per year — a strong growth profile.
- Huntington Bancshares Inc converts about 19% of revenue into free cash flow — strong cash generation.
- Takes ~2.6 years to repay net debt from free cash flow.
- Interest coverage of 0.5× leaves little room for earnings shocks.
- At a valuation score of 70/100, HBAN trades near the cheapest end of its own historical range (P/E 12.9).
- The stock currently yields 3.7% in dividends.
See how HBAN ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all HBAN moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | After-hours | 15.44 | +2.25% | 2.19 |
Frequently Asked Questions about HBAN
What is the current Huntington Bancshares Inc (HBAN) stock price?
HBAN is trading at $15.27 at the last market close, down 0.52% on the session. PreMarketPrice tracks HBAN pre-market, intraday and after-hours prices.
Is HBAN stock a buy right now?
PreMarketPrice's quantitative model rates Huntington Bancshares Inc's financial health at 26/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is HBAN stock overvalued?
Huntington Bancshares Inc trades at a trailing P/E of 12.9 and our valuation score rates it 70/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Huntington Bancshares Inc report earnings?
No confirmed earnings date is currently scheduled for HBAN. The Earnings section lists recent reports and updates as dates are announced.
What sector does Huntington Bancshares Inc operate in?
Huntington Bancshares Inc operates in the Financial Services sector, within the National Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does Huntington Bancshares Inc do?
Huntington is a regional US bank with over $285 billion in assets.
About Huntington Bancshares Inc (HBAN) Stock
Huntington Bancshares Inc (HBAN) is a US-listed stock operating in the Financial Services sector, specifically the National Commercial Banks industry. As of the latest update, Huntington Bancshares Inc is trading at $15.27, down 0.52% on the day with a market capitalization of $30.9 billion. The financial health score for HBAN is 26/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for HBAN stock.
HBAN Stock Analysis & Key Metrics
On PreMarketPrice, you can track Huntington Bancshares Inc (HBAN) across multiple dimensions:
- Pre-market price & movement: Real-time HBAN stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for HBAN with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Huntington Bancshares Inc across multiple reporting periods.
- Financial health score: A composite score of 26/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for HBAN.
- Sector peers: Compare HBAN against 6 other financial services stocks on key financial metrics.
Is HBAN a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Huntington Bancshares Inc (HBAN) as an investment. The financial health score of 26/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Huntington Bancshares Inc (HBAN) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.